By reset cadence
Credit cards with twice-yearly credits
Credits split into two halves of the calendar year, resetting January 1 and July 1. The first half is the one people miss. We track 10 on 9 cards from American Express, Citi and Chase, listed most valuable first.
| Card | Benefit | Value | Resets | Per year |
|---|---|---|---|---|
| American Express Platinum Card | FHR Hotel Credit Book a 2+ night stay at an FHR or THC hotel with your Platinum Card and get $300 back. | $300 per half-year | Twice yearly | $600 |
| American Express Business Platinum Card | Hotel Credit Prepay an eligible Fine Hotels + Resorts or The Hotel Collection booking through Amex Travel and get up to $300 back every six months. | $300 per half-year | Twice yearly | $600 |
| Citi AAdvantage Executive | American Airlines Vacations Credit Use your Citi AAdvantage Executive Card on eligible American Airlines Vacations purchases and get up to $250 back in each half of the year. | $250 per half-year | Twice yearly | $500 |
| American Express Hilton Honors Aspire | Hilton Resort Credit Use your Aspire card to pay for room rate or incidentals at any included Hilton Resort and get $200 back. | $200 per half-year | Twice yearly | $400 |
| Chase Sapphire Reserve | Exclusive Tables Dining Credit Connect your Sapphire Reserve to your OpenTable account and make a reservation at a participating Tables restaurant. Pay with the same card and get $150 back. | $150 per half-year | Twice yearly | $300 |
| Chase Sapphire Reserve | StubHub Credit $150 back Jan–Jun and another $150 Jul–Dec on eligible StubHub and viagogo purchases. | $150 per half-year | Twice yearly | $300 |
| Citi Strata Elite | Blacklane Credit Use your Citi Strata Elite on eligible Blacklane purchases and get up to $100 back in each half of the year. | $100 per half-year | Twice yearly | $200 |
| Chase Marriott Bonvoy Boundless | Airline Credit Spend $250 on eligible airline purchases during a promotional earning window and get a $50 statement credit. | $50 per half-year | Twice yearly | $100 |
| American Express Gold Card | Resy Credit Book a restaurant reservation on Resy.com, pay with your Gold Card and get $50 back. | $50 per half-year | Twice yearly | $100 |
| Chase IHG One Rewards Premier | United TravelBank Credit Register and receive $25 in United TravelBank cash around January 5 and another $25 around July 5 each year. | $50 per half-year | Twice yearly | $100 |
Twice-yearly credits at a glance
- 9 cards offer twice-yearly credits, from American Express, Citi and Chase.
- Most valuable: FHR Hotel Credit on the Amex Platinum Card, up to $600 a year.
- Of the 10 we track, 10 reset twice a year.
- Values are the issuer's published maximums if the benefit is fully used every period; actual value depends on what you use.
Twice-yearly credits FAQs
Which card offers the most value from Twice-yearly credits?
The Amex Platinum Card: FHR Hotel Credit is worth $300 per half-year, up to $600 a year.
How many cards have twice-yearly credits?
9 of the cards we track: Amex Platinum Card, Amex Business Platinum Card, Citi AAdvantage Executive, Amex Hilton Honors Aspire, Chase Sapphire Reserve and Citi Strata Elite, and 3 more.
Does unused value from Twice-yearly credits roll over?
No. Each half-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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