By reset cadence
Credit cards with annual credits
Credits that reset once a calendar year on January 1. The biggest individual values, and the ones most often left to a December scramble. We track 36 on 20 cards from American Express, Chase, Bank of America, Citi and Capital One, listed most valuable first.
| Card | Benefit | Value | Resets | Per year |
|---|---|---|---|---|
| American Express Business Platinum Card | Dell Spend Bonus Spend $5,000 or more on eligible U.S. purchases directly with Dell Technologies in a calendar year and receive an additional $1,000 statement credit. | $1,000 per year | Annually | $1,000 |
| Chase Sapphire Reserve | The Edit Hotel Credit Book a prepaid 2+ night stay through The Edit Hotel Collection and get $250 back, per booking. | $500 per year | Annually | $500 |
| Chase British Airways Visa Signature | Travel Together Ticket Spend $30,000 in a card year and get a Travel Together ticket. This can be used to halve the Avios booking cost for either 1 or 2 people. | ~$500 per year | Annually | ~$500 |
| American Express Hilton Honors Aspire | Additional Free Night Reward Spend $30,000 on eligible purchases in a calendar year and earn an additional Hilton Free Night Reward. | ~$300 per year | Annually | ~$300 |
| Bank of America Premium Rewards Elite | Airline Incidental Credit Use your Bank of America Premium Rewards Elite Card for eligible airline incidental purchases and get up to $300 back each year. | $300 per year | Annually | $300 |
| Citi Strata Elite | Annual Hotel Benefit Book an eligible hotel stay of at least two nights through Citi Travel and get up to $300 off each calendar year. | $300 per year | Annually | $300 |
| Capital One Venture X Rewards | Capital One Travel Credit Book eligible travel through Capital One Travel and get up to $300 in annual travel credit. | $300 per year | Annually | $300 |
| American Express Business Platinum Card | ChatGPT Business Credit Use your Business Platinum Card for eligible U.S. ChatGPT Business purchases and get up to $300 back each year. | $300 per year | Annually | $300 |
| American Express Platinum Card | Equinox Credit Pay with your Platinum Card for an Equinox+ gym membership and get $300 back. | $300 per year | Annually | $300 |
| American Express Hilton Honors Surpass | Free Night Reward Spend $15,000 on eligible purchases in a calendar year and earn one Hilton Free Night Reward. | ~$300 per year | Annually | ~$300 |
| American Express Hilton Honors Aspire | Second Additional Free Night Reward Reach $60,000 in eligible purchases in the same calendar year and earn another Hilton Free Night Reward. | ~$300 per year | Annually | ~$300 |
| Chase Sapphire Reserve | Travel Credit Pay for almost any eligible travel purchase with your Sapphire Reserve and Chase will credit back up to $300. | $300 per year | Annually | $300 |
| American Express Business Platinum Card | Adobe Credit Spend $600 or more on eligible U.S. purchases directly with Adobe in a calendar year and receive a $250 statement credit. | $250 per year | Annually | $250 |
| American Express Green Card | CLEAR+ Credit Pay for a CLEAR+ membership with your Amex Green Card and get up to $219 back each year. | $219 per year | Annually | $219 |
| American Express Platinum Card | CLEAR+ Credit Use your Platinum Card for a CLEAR+ membership and get $219 back. | $219 per year | Annually | $219 |
| American Express Hilton Honors Aspire | CLEAR+ Credit Pay for a CLEAR+ membership with your Hilton Aspire Card and get up to $219 back each year. | $219 per year | Annually | $219 |
| American Express Business Platinum Card | CLEAR+ Credit Pay for an eligible CLEAR+ membership with your Business Platinum Card and get up to $219 back each year. | $219 per year | Annually | $219 |
| Chase World of Hyatt | Additional Free Night Award Spend $15,000 in a calendar year and earn an additional Category 1–4 Hyatt Free Night Award. | ~$200 per year | Annually | ~$200 |
| American Express Platinum Card | Airline Fee Credit Select an airline with Amex and get $200 back for incidental purchases such as seat selection and extra bags. | $200 per year | Annually | $200 |
| American Express Business Platinum Card | Airline Fee Credit Select a qualifying airline and get up to $200 back each year on eligible incidental fees with your Business Platinum Card. | $200 per year | Annually | $200 |
| American Express Delta SkyMiles Gold | Delta Flight Credit Spend $10,000 on eligible purchases in a calendar year and earn a $200 Delta Flight Credit. | $200 per year | Annually | $200 |
| American Express Delta SkyMiles Reserve | Delta Stays Credit Book an eligible prepaid hotel or vacation rental through Delta Stays and get up to $200 back each year. | $200 per year | Annually | $200 |
| American Express Platinum Card | Oura Ring Credit Buy an eligible Oura Ring directly from Oura with your Platinum Card and get up to $200 back. | $200 per year | Annually | $200 |
| Citi Strata Elite | Splurge Credit Choose up to two eligible brands and get up to $200 in statement credits across them each calendar year. | $200 per year | Annually | $200 |
| American Express Business Platinum Card | Dell Credit Use your Business Platinum Card for eligible U.S. purchases directly with Dell Technologies and get up to $150 back each year. | $150 per year | Annually | $150 |
| American Express Delta SkyMiles Platinum | Delta Stays Credit Book a prepaid hotel or vacation rental through Delta Stays and get up to $150 back. | $150 per year | Annually | $150 |
| Bank of America Premium Rewards Elite | Lifestyle Credit Use your Premium Rewards Elite Card for eligible rideshare, food delivery, video streaming or fitness purchases and get up to $150 back each year. | $150 per year | Annually | $150 |
| Citi AAdvantage Executive | Avis/Budget Credit Use your Citi AAdvantage Executive Card for eligible prepaid Avis or Budget rentals and get up to $120 back each year. | $120 per year | Annually | $120 |
| American Express Platinum Card | Uber One Credit Use your Platinum Card for an Uber One membership (monthly or annual) and get $120 back. | $120 per year | Annually | $120 |
| Chase IHG One Rewards Premier | $100 Statement Credit Spend $20,000 in a calendar year and earn a $100 statement credit plus 10,000 bonus IHG points. | $100 per year | Annually | $100 |
| Bank of America Premium Rewards | Airline Incidental Credit Use your Bank of America Premium Rewards Card for eligible airline incidental purchases and get up to $100 back each year. | $100 per year | Annually | $100 |
| Citi Strata Premier | Annual Hotel Benefit Book an eligible hotel stay of $500 or more through Citi Travel and get $100 off once each calendar year. | $100 per year | Annually | $100 |
| American Express Delta SkyMiles Gold | Delta Stays Credit Book an eligible prepaid hotel or vacation rental through Delta Stays and get up to $100 back each year. | $100 per year | Annually | $100 |
| Citi AAdvantage Executive | Inflight & Admirals Club Credit Use your Citi AAdvantage Executive Card for eligible inflight and Admirals Club purchases and get up to $100 back each year. | $100 per year | Annually | $100 |
| Chase United Explorer | United TravelBank Credit Spend $10,000 in a calendar year and earn $100 in United TravelBank cash. | $100 per year | Annually | $100 |
| Chase United Club | Award Flight Discount Spend $20,000 in a calendar year and earn a 10,000-mile award flight discount, up to twice per year. | Spend $20,000 to unlock | Annually | — |
Annual credits at a glance
- 20 cards offer annual credits, from American Express, Chase, Bank of America, Citi and Capital One.
- Most valuable: Dell Spend Bonus on the Amex Business Platinum Card, up to $1,000 a year.
- Of the 36 we track, 36 reset each calendar year.
- Values are the issuer's published maximums if the benefit is fully used every period; actual value depends on what you use.
Annual credits FAQs
Which card offers the most value from Annual credits?
The Amex Business Platinum Card: Dell Spend Bonus is worth $1,000 per year.
How many cards have annual credits?
20 of the cards we track: Amex Business Platinum Card, Chase Sapphire Reserve, Chase British Airways Visa Signature, Amex Hilton Honors Aspire, BofA Premium Rewards Elite and Citi Strata Elite, and 14 more.
Does unused value from Annual credits roll over?
No. Each year is tracked separately, so anything left when it ends is forfeited rather than added to the next one.
Last updated . Benefit values and terms are set by card issuers and can change.
Track every one of these before it resets.
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More benefit types
- 9 cardsSpend-to-unlock benefits
- 15 cardsHotel credits
- 14 cardsAirline credits
- 11 cardsTravel credits
- 4 cardsCLEAR+ credits
- 3 cardsFree night rewards
- 2 cardsShopping credits
- 2 cardsFitness credits
- 4 cardsResy credits
- 11 cardsDining credits
- 9 cardsRideshare credits
- 5 cardsDelivery credits
- 13 cardsMonthly credits
- 4 cardsQuarterly credits
- 9 cardsTwice-yearly credits