Last updated: December 19, 2025
This is a straight, card‑by‑card breakdown of the statement credits on Amex’s four core Membership Rewards cards—what each credit is worth, how it resets, and the cleanest ways to use it without creating spend you don’t actually want.
1) The Platinum Card® from American Express (Personal)
The personal Platinum is the biggest collection of credits. The key is remembering which ones are quarterly or semi‑annual (easy to lose at year‑end) versus true calendar‑year credits that reset on January 1.
| Credit | Value | Reset timing | Enrollment? | What triggers it | Best practical use |
| $600 Hotel Credit (FHR/THC) | Up to $300 semi‑annually (up to $600/yr) | Semi‑annual (Jan–Jun / Jul–Dec) | No (booking rules apply) | Prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through Amex Travel (THC requires 2‑night minimum) | Use for a prepaid hotel you actually plan to stay at—even if the stay is in 2026, the credit is based on when the prepaid charge hits. |
| $400 Resy Dining Credit | Up to $100 per quarter (up to $400/yr) | Quarterly | Yes | Eligible purchases with Resy (including dining at U.S. Resy restaurants) | Best as a normal restaurant bill at a Resy restaurant—keep the charge clean on the Platinum Card. |
| $300 lululemon Credit | Up to $75 per quarter (up to $300/yr) | Quarterly | Yes | Eligible purchases at U.S. lululemon stores (excluding outlets) or lululemon.com | Great as a built‑in discount if you already shop lululemon; otherwise don’t force it. |
| $300 Digital Entertainment Credit | Up to $25/month (up to $300/yr) | Monthly | Yes | Select eligible subscriptions charged to the Platinum Card | Put one eligible subscription on autopay so you don’t miss months. |
| $200 Uber Cash | $15/month + $20 bonus in December (up to $200/yr) | Monthly (expires monthly) | No | Add the card to Uber; Uber Cash drops monthly when an Amex card is selected for the transaction | Use Uber Eats pickup if you just want to burn the monthly balance cheaply. |
| $120 Uber One Membership Credit | Up to $120 per calendar year | Calendar year | No | Auto‑renewing Uber One membership in the U.S. purchased with the Platinum Card | If you already keep Uber One, switch billing to Platinum and let the credit offset it. |
| $200 Airline Fee Credit | Up to $200 per calendar year | Calendar year | Yes | Baggage fees and other eligible airline incidentals with your selected airline | Use for real airline fees you already pay (bags, seats, onboard fees). |
| $209 CLEAR® Plus Credit | Up to $209 per calendar year (taxes excluded) | Calendar year | Yes | CLEAR+ membership charged to the Platinum Card (auto‑renewal) | Most useful if you fly a few times a year; easy win if you already pay for CLEAR. |
| $100 Saks Fifth Avenue Credit | Up to $50 semi‑annually (up to $100/yr) | Semi‑annual (Jan–Jun / Jul–Dec) | Yes | Purchases at Saks Fifth Avenue or saks.com | Simple household items or gifts are the lowest‑drama way to use it. |
| $300 Equinox Credit | Up to $300 per calendar year | Calendar year | Yes | Equinox+ digital membership or Equinox club membership charged to the Platinum Card | Only count this if you genuinely use Equinox; otherwise it’s easy to waste. |
| $200 ŌURA Ring Credit | Up to $200 per calendar year | Calendar year | Yes | Eligible ŌURA Ring purchases at ouraring.com | Best used as a straight discount if you already planned to buy an ŌURA. |
| Walmart+ Monthly Membership Credit | Up to $12.95 + taxes per month | Monthly | No | Monthly Walmart+ membership fee charged to the Platinum Card | Use monthly Walmart+ (not annual) so the credit can offset it month by month. |
| Global Entry / TSA PreCheck® Fee Credit | Up to $120 (GE) every 4 years or up to $85 (TSA) every 4.5 years | Multi‑year | No | Application fee charged to the Platinum Card | Use it on whoever needs renewal next—easy value, not really a year‑end item. |
How to use the Personal Platinum credits efficiently
Hotel Credit (FHR/THC prepaid)
This is one of the most valuable credits and it’s split into two semi‑annual buckets. It only applies to prepaid bookings through Amex Travel for Fine Hotels + Resorts® or The Hotel Collection (2‑night minimum for THC). The cleanest use is a prepaid booking you actually intend to take—credits aren’t worth it if they push you into a hotel you wouldn’t otherwise book.
Resy + lululemon (quarterly credits)
Quarterly credits are the ones people miss at year‑end. The easiest approach is tying each one to a real purchase you already make: one Resy restaurant meal per quarter, and lululemon purchases only if you actually want the merch.
Digital Entertainment (monthly)
This works best when it’s automatic. Pick an eligible subscription you already pay for and let it bill monthly to the Platinum Card.
Uber Cash + Uber One
Uber Cash is a monthly drop and it expires if unused—Uber Eats pickup is the cheapest, easiest way to use it. Uber One is a separate calendar‑year statement credit for an auto‑renewing membership, so it’s best if you’re a year‑round Uber user.
Airline Fee + CLEAR + Saks
These are classic credits where merchant processing matters. If you’re trying to hit a year‑end cutoff, it’s best to keep charges simple and direct (airline incidental fees, CLEAR membership, and a normal Saks purchase).
Equinox + ŌURA
These are great when they match your life, and a waste when they don’t. If you’re not truly using the service/product, it’s usually smarter to skip the credit than to buy something you won’t keep.
2) The Business Platinum Card® from American Express
Business Platinum keeps the travel‑core credits, then adds high‑value business credits (Dell, Adobe, Indeed) and a high‑spend unlock. It’s also the card where timing matters most—especially with retailers like Dell, where the transaction can post when items ship.
| Credit | Value | Reset timing | Enrollment? | What triggers it | Best practical use |
| $600 Hotel Credit (FHR/THC) | Up to $300 semi‑annually (up to $600/yr) | Semi‑annual (Jan–Jun / Jul–Dec) | No (booking rules apply) | Prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through Amex Travel (THC requires 2‑night minimum) | Same play as personal Platinum: use it for a prepaid stay you truly want. |
| $1,150 Dell Technologies Credit | Up to $150 + additional $1,000 after $5,000 spend (per calendar year) | Calendar year (special 2025 window begins 7/1/25) | Yes | U.S. purchases directly with Dell Technologies (Dell as merchant of record) | Best used for real hardware you actually need; avoid backorders near deadlines because posting can slide. |
| $250 Adobe Credit | $250 statement credit after $600+ spend (per calendar year) | Calendar year (special 2025 window begins 7/1/25) | Yes | U.S. purchases directly with Adobe | If you already pay Adobe subscriptions, put them here and let spend build naturally. |
| $360 Indeed Credit | Up to $90/quarter (up to $360/yr) | Quarterly | Yes | Indeed purchases charged to the Business Platinum Card | Perfect for businesses that actually hire; not worth inventing spend. |
| $120 Wireless Credit | Up to $10/month (up to $120/yr) | Monthly | Yes | Wireless phone service charged directly with a U.S. wireless provider | Set your wireless autopay to Business Platinum and forget it. |
| $200 Hilton Credit | Up to $50/quarter (up to $200/yr) | Quarterly | Yes | Eligible purchases directly with a property in the Hilton portfolio (Hilton for Business membership required) | Most useful if you already have Hilton stays; think room charges and on‑property spend billed by the hotel. |
| $209 CLEAR® Plus Credit | Up to $209 per calendar year (taxes excluded) | Calendar year | Yes | CLEAR+ membership charged to Business Platinum (auto‑renewal) | If personal Platinum already covers CLEAR for you, don’t double‑pay. |
| $200 Airline Fee Credit | Up to $200 per calendar year | Calendar year | No (airline selection required) | Baggage fees and other eligible airline incidentals | Use for real airline fees; keep it simple near year‑end. |
| Global Entry / TSA PreCheck® Fee Credit | Up to $120 (GE) every 4 years or up to $85 (TSA) every 4.5 years | Multi‑year | No | Application fee charged to Business Platinum | Easy value; not tied to year‑end. |
| High‑spend unlock (after $250k eligible spend) | Up to $3,600 in statement credits the following calendar year | Earn in one calendar year; use in the next | N/A | After $250,000 in eligible purchases in a calendar year | Includes a $1,200 Amex Travel™ Online Flight Credit plus up to $2,400 in statement credits for One AP monthly fees (for businesses that use it). |
How to use the Business Platinum credits efficiently
Dell credit timing (the part people mess up)
Dell credits can be extremely valuable, but posting timing matters. The safest approach is ordering items that are in stock and ship promptly—especially if you’re trying to use a benefit-year window before it ends.
Adobe credit (threshold style)
This is a threshold credit: you need $600+ in eligible Adobe spend to trigger the $250 statement credit. If you use Adobe anyway, it’s an easy win. If you don’t, it’s usually a skip.
Indeed + Wireless (quarterly/monthly)
Indeed is best when you’re already hiring. Wireless is easiest when it’s automated: set a qualifying wireless bill to autopay on the card and you naturally capture the monthly credit.
Hilton credit on Business Platinum
Even though this isn’t a Hilton card, the quarterly Hilton credit can be useful if you already stay with Hilton. Just make sure the charges are billed by the Hilton property directly (room charges and incidentals billed to the room tend to be the cleanest).
High‑spend unlock credits
These are only relevant if your business naturally spends $250,000+ a year on the card. If that isn’t you, ignore this and focus on the everyday credits above.
3) American Express® Gold Card (Personal)
Gold is simpler than Platinum, but it’s easy to miss value because most benefits are monthly. When you use them consistently, Gold turns into a steady stream of food‑focused credits.
| Credit | Value | Reset timing | Enrollment? | What triggers it | Best practical use |
| $100 Resy Credit | Up to $100/year (up to $50 Jan–Jun + up to $50 Jul–Dec) | Semi‑annual buckets | Yes | Dining at U.S. Resy restaurants or other eligible Resy purchases | Use for one real Resy dinner per half-year and you’re done. |
| $120 Dining Credit | Up to $10/month (up to $120/yr) | Monthly | Yes | Eligible purchases at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys | Grubhub pickup is often the cleanest way to use it without delivery fees. |
| $84 Dunkin’ Credit | Up to $7/month (up to $84/yr) | Monthly | Yes | U.S. Dunkin’ purchases charged to the Gold Card | One coffee run covers it; the only mistake is forgetting to enroll. |
| $120 Uber Cash | $10/month (up to $120/yr) | Monthly (expires monthly) | No | Add card to Uber; Uber Cash drops monthly when an Amex card is selected for the transaction | Use Uber Eats pickup if you want the lowest cost way to use it. |
| The Hotel Collection (experience credit) | $100 credit per stay (not a statement credit) | Per booking (2-night minimum) | No | Prepaid The Hotel Collection booking through Amex Travel (2‑night minimum) | Treat it as an on‑property perk (food/spa/etc.) on trips you’d take anyway. |
How to use the Personal Gold credits efficiently
Resy Credit (semi‑annual buckets)
Because it’s split into two half‑year buckets, it’s easy to forget until late June or late December. One normal meal at a U.S. Resy restaurant per half-year is usually the cleanest way to use it.
Dining Credit (monthly)
If you already use Grubhub, set it as your default monthly use. If you don’t, the next cleanest method is a pickup order so the credit goes toward food—not delivery fees.
Dunkin’ Credit (monthly)
This is simple: enroll, then make a small Dunkin purchase each month. The credit doesn’t roll over.
Uber Cash (monthly)
Think of this as a monthly allowance that expires. Uber Eats pickup is a very common low-cost use.
4) American Express® Business Gold Card
Business Gold has fewer credits than Platinum, but they’re practical and easy to use if you already run routine business expenses through the card—shipping, office supplies, and web presence.
| Credit | Value | Reset timing | Enrollment? | What triggers it | Best practical use |
| $240 Flexible Business Credit | Up to $20/month (up to $240/yr) | Monthly | Yes | Eligible U.S. purchases at FedEx, Grubhub, and U.S. office supply stores | The smoothest approach is normal supplies/shipping. If your business already shops Staples/Office Depot, this can be automatic. |
| $155 Walmart+ Credit | Up to $12.95 + taxes per month (up to $155/yr) | Monthly | No | Monthly Walmart+ membership fee charged to the Business Gold Card (Plus Ups not eligible) | Works best if you already use Walmart+ for shipping or fuel discounts. |
| $150 Squarespace Credit | Up to $150 per calendar year | Calendar year | Yes | Eligible U.S. purchases made directly with Squarespace at squarespace.com | If you already pay Squarespace, this is a clean discount. If your plan renews near year‑end, you can time payments to use the current year’s credit before Jan 1. |
How to use the Business Gold credits efficiently
Flexible Business Credit ($20/month)
This credit is at its best when it’s boring: FedEx shipping, office supply orders, printing, paper, ink, cables, packing supplies, and similar expenses. Because eligibility relies on merchant category coding, the most reliable results tend to come from straightforward purchases directly with qualifying merchants.
A lot of people also try to make this credit more flexible by buying third‑party gift cards at office supply stores. That can work for some cardmembers depending on how the store processes the transaction, but it’s not the most reliable approach—gift cards can be excluded by terms, processed by third parties, or coded differently. If you want consistency, normal office supply purchases are the safer play.
Walmart+ Credit
This is a membership-fee credit. If Walmart+ is useful for your business (shipping, fuel savings, and convenience), paying the monthly membership with the card can let the credit offset it each month. Plus Ups aren’t eligible, so keep expectations realistic.
Squarespace Credit ($150/year)
This is a straightforward calendar‑year statement credit when you pay Squarespace directly. If you already have a Squarespace plan, it’s basically a discount on something you already need. And because it resets January 1, businesses with renewals near year‑end often use the credit before the reset and then again after Jan 1, depending on billing timing.
Quick year‑end summary
If you’re doing this in December, prioritize credits that expire on a schedule: quarterly and semi‑annual Platinum credits, plus the monthly Gold and Business Gold credits that don’t roll over. Then knock out the calendar‑year credits before January 1 if they’re still unused (airline fee credits, CLEAR, Uber One, and Squarespace).
FAQs
Do these credits go by purchase date or posting date?
In most cases, it comes down to when the charge is processed and posted with the correct merchant data. With online orders, that can be the shipping/processing date—so last‑minute orders can slide into January.
Do unused monthly credits roll over?
Generally, no. Monthly statement credits and Uber Cash typically expire at the end of each month and reset on the first day of the next month.
Are gift cards a safe way to trigger credits?
Sometimes they work in practice, but they’re not the most reliable method. Terms can exclude gift cards, and coding can vary—so the safest approach is always an eligible purchase for the intended category.
How long do credits take to post?
It varies. Some appear in days, others can take several weeks depending on the benefit and merchant. Keep receipts and screenshots until the credit posts.
If I have both personal and business versions, do I get credits twice?
Yes. Each card account has its own set of credits, with its own enrollments and reset schedules.
