Increasingly, more and more cards are offering monthly statement credits. Here’s our overview of cards offering monthly statement credits and our advice on how to get the most out of these credits.
You’re most likely to get the most value out of your monthly statement credits if you have a plan to use them at the start of the month. That said, now is a great time to make a plan to use these credits.
Cards that offer monthly statement credits
Here are the cards that offer monthly statement credits of some sort. Click on a card name to jump to that section and see our tips for using your statement credits.
- American Express® Business Gold Card
- American Express® Gold Card
- Blue Cash Everyday® Card from American Express
- Blue Cash Preferred® Card from American Express
- The Platinum Card® from American Express
- Delta Air Lines credit cards
Why do credit card issues offer so many monthly statement credits?
Credit card issuers love monthly statement credit offers because most people include the total amount of statement credits in their value calculation, but never end up using the credits.
When it comes to a buying decision, people value credits. Amex touts “over $1,500 in value” in its statement credits on the Platinum Card®. If you’re getting $1,500 in value, getting a card with a $695 annual fee doesn’t sound so bad.
But most people don’t use most of their credits. Most monthly credits require you to make a purchase at a certain set of merchants every month. And most credits require you to actively do something in order to get the credit. The upshot is that most credits simply don’t get used.
How to win the statement credit game
To get the most value out your statement credits, you must use them. Our biggest piece of advice here is to track your monthly statement credits and be sure you’re using them. Beyond that, here are a few additional tips:
- Gift cards. Where the terms and conditions do not prohibit it, purchasing gift cards is often your best bet. If your card offers an office supply store credit and you don’t have, purchase a gift card during the month to bank your credit for later use.
- Small take-out orders. Cards offering credits for dining are trying to incentivize you to take your family to a restaurant and sit down for a large dinner. But in most cases, you can use your credit for a take-out order of a sandwich for lunch. Don’t let a statement credit cause you to spend money you would otherwise not spend.
- Set up auto-payment for recurring subscriptions. Most subscription services require auto-payment. offering a Disney+ credit or a Walmart+ credit. Many cards offering statement credits on subscription services require enrollment. Don’t forget to enroll, or you won’t get your credits.
- Consider Walmart+ as an alternative to Amazon Prime. There are plenty of Amex cards offering a monthly credit for a Walmart+ subscription. But if you replace your Amazon Prime subscription with Walmart+ and can get a statement credit from your card, you’re saving monehy.
Details on credit card statement credits
Here are the details on the credit card statement credits offered on popular cards.
American Express® Business Gold Card
The American Express® Business Gold Card offers a $240 flexible business credit and a $155 Walmart+ Monthly membership credit. The flexible business credit can be used for U.S. purchases at FedEx, Grubhub, and office supply stores and the Walmart+ credit can be used for a monthly Walmart+ membership.
| Credit | How to use | Enrollment required? |
|---|---|---|
| $240 Flexible Business Credit ($20 monthly) | Eligible purchases: U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Use for a $20 gift card at an office supply store. | Yes |
| $155 Walmart+ Membership Credit ($12.95/month, plus applicable taxes) | Eligible purchases: Monthly Walmart+ Membership. Set up this card as your recurring payment for a Walmart+ monthly membership to get this credit every month. |
American Express® Gold Card
The American Express® Gold Card offers a $120 dining credit, good toward purchases at a handful of select restaurants, plus a $120 Uber Cash credit. Both can be used for pick-up orders at fast food and fast casual restaurants. Use the dining credit through Grubhub for a pick-up order to expand the options available to you and get the most value from this credit.
| Credit | How to use | Enrollment required? |
|---|---|---|
| $120 Dining Credit ($10 monthly) | Eligible purchases: Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations Use the Grubhub credit to pay for a “pick-up” order at a fast-casual restaurant. At many places, you can eat in, even if you place your order through Grubhub. | Yes |
| $120 Uber Cash ($10 monthly) | Eligible purchases: Uber rides or Uber Eats Use Uber Eats to place a pick-up order at a fast-casual restaurant to use your credit. | Must add card to Uber. |
The Platinum Card® from American Express
The Platinum Card® from American Express offers a dizzying number of statement credits and merchant offers. This includes monthly statement credits for digital entertainment and Walmart+, as well as a monthly Uber Cash credit. Fortunately, digital entertainment and Walmart+ are subscription services—just set them up and forget about them to take advantage of the credit monthly. Even if you don’t take Uber rides each month, you can still get plenty of value out of the Amex Uber credit by using it for take-out at a fast-casual place like Chipotle.
| Credit | How to use | Enrollment required? |
|---|---|---|
| $240 Digital Entertainment Credit ($20 monthly) | Eligible purchases: Direct purchases of subscriptions to Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. You must purchase directly from the providers and enrollment is required. This credit is easy to use. If you subscribe to one of the above services, make\The Platinum Card® from American Express your card to auto-pay your monthly subscription. If you pay yearly, consider changing to a monthly subscription to take advantage of the credit. | Yes |
| $200 Uber Cash ($15 monthly, extra $20 in December) | Eligible purchases: Uber rides or Uber Eats Use Uber Eats to place a pick-up order at a fast-casual restaurant to use your credit. | Must add card to Uber. |
| $155 Walmart+ Credit ($12.95 plus taxes each month) | Eligible purchases: A Walmart+ monthly membership. If you have The Platinum Card® from American Express, subscribe to Walmart+ and charge your monthly subscription to the card to get the credit. I’ve found that Walmart+ can be a better choice than Amazon for bulky household staples like paper towels and toilet paper. | Must subscribe to Walmart+ |
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express offers monthly credits for The Disney Bundle and Equinox+. Both of these are subscription services, so if you subscribe, you can simply enroll in these benefits, set up your card as your credit card for auto-paying your monthly subscription and enjoy your credits.
The Blue Cash Preferred® Card from American Express carries an annual fee, but the $84 credit for The Disney Bundle, plus the card’s 6% cash back on the first $6,000 you spend on groceries each year make the card well worth it for almost anyone who subscribes to The Disney Bundle anyway.
| Credit | How to use | Enrollment required? |
|---|---|---|
| $84 Disney Bundle Credit ($7 monthly) | Eligible purchases: Monthly subscriptions of $9.99 or more to The Disney Bundle and other streaming subscription purchases at DisneyPlus.com, Hulu.com, or plus.espn.com. Enrollment is required. This is an easy-to-use set-it-and-forget it credit. Enroll and change your monthly subscription to your card to take advantage of the statement credit. If you subscribe annually, it may make sense to change your subscription to a monthly plan if the total price after the credit is lower. | Yes |
| $120 Equinox+ Credit ($10 monthly) | Eligible purchases: Auto-renewing subscriptions oof Equinox+ purchased at equinoxplus.com. Enrollment required. Set up auto-pay to pay your recurring Equinox+ subscription to the card to take advantage of this credit. | Yes. |
Blue Cash Everyday® Card from American Express
The no-annual-fee Blue Cash Everyday® Card from American Express offers more in total statement credit opportunities than the Blue Cash Preferred® Card from American Express. You can get monthly statement credits for The Disney Bundle and Home Chef subscriptions.
If you subscribe to one or both of these services, simply enroll your card and use it as the auto-payment card for your monthly subscription service to take advantage of these credits.
| Credit | How to use | Enrollment required? |
|---|---|---|
| $84 Disney Bundle Credit ($7 monthly) | Eligible purchases: Monthly subscriptions of $9.99 or more to The Disney Bundle and other streaming subscription purchases at DisneyPlus.com, Hulu.com, or plus.espn.com. Enrollment is required. This is an easy-to-use set-it-and-forget it credit. Enroll and change your monthly subscription to your card to take advantage of the statement credit. If you subscribe annually, it may make sense to change your subscription to a monthly plan if the total price after the credit is lower. | Yes |
| $180 Home Chef Credit ($15 monthly) | Eligible purchases: Auto-renewing subscriptions to Home Chef. Enrollment is required. Set up auto-pay to pay your recurring Home Chef subscription to the card to take advantage of this credit. | Yes. |
Delta Air Lines credit cards
All of the Platinum and Reserve variants of the Delta Air Lines credit cards that offer monthly rideshare credits and a monthly Resy restaurant credit. The amount of each credit varies by card. Details on the credits and our recommendations for using the credits are below.
Statement credits on Delta personal credit cards
| Delta SkyMiles® Blue American Express Card | Delta SkyMiles® Gold American Express Card | Delta SkyMiles® Platinum American Express Card | Delta SkyMiles® Reserve American Express Card | |
|---|---|---|---|---|
 |  |  |  | |
| Annual fee | Annual fee: $0 (See Rates and Fees) | Annual fee: $0 intro annual fee for the first year, then $150 (See Rates and Fees) | Annual fee: $350 (See Rates and Fees) | Annual fee: $650 (See Rates and Fees) |
| Delta Stays credit | – | $100 | $150 | $200 |
| Resy credit Enrollment required. | – | – | $120 ($10 per month) | $240 ($20 per month) |
| Rideshare credit Enrollment required. | – | – | $120 ($10 per month) | $120 ($10 per month) |
Statement credits on Delta small business credit cards
| Delta SkyMiles® Gold Business American Express Card | Delta SkyMiles® Platinum Business American Express Card | Delta SkyMiles® Reserve Business American Express Card | |
|---|---|---|---|
 |  |  | |
| Annual fee | Annual fee: $0 intro annual fee for the first year, then $150 (See Rates and Fees) | Annual fee: $350 (See Rates and Fees) | Annual fee: $650 (See Rates and Fees) |
| Delta Stays credit | $150 | $200 | $250 |
| Resy credit (Enrollment required.) | – | $120 ($10 per month) | $240 ($20 per month) |
| Rideshare credit (Enrollment required.) | – | $120 ($10 per month) | $120 ($10 per month) |
Our tips on using the Delta statement credits
Here are our tips on using the Resy and ridesshare statement credits offered on select Delta credit cards:
Resy credit. You can make sure that you’re using your Resy credit by putting a dinner date on the calendar this month. If you have multiple cards with a Resy credit, you can ask your server to split the payment amount so you can run multiple cards and get multiple credits in one go.
Maybe you don’t dine out often and it doesn’t make sense to make purchases that you would otherwise not make just to use a credit. You can probably still get value out of the Resy credit by playing a small take-our order at a fast-casual Resy restaurant and using your eligible card to pay. Additionally, some reddit users have reported being able to use the credit for gift cards at Resy restaurants. If you’re going to do this, just purchase your gift cards on the first day of the month
Rideshare credit. Unlike the Uber Cash credits offered by The Platinum Card® from American Express and the American Express® Gold Card, you can only use the Rideshare credit for rideshare, not Uber Eats. Our best tip is to add this card to your rideshare apps. If you only infrequently use rideshare services, set your card as the default payment method. If your weekly travel patterns have you hopping into Ubers and Lyfts often, add the card and then change the payment method to your eligible Delta card on your first rideshare ride of the month every month.
