How long does it take to receive statement credits from Amex, Capital One, Chase and Citi? – The Points Guy
There’s a good chance that you have a credit card with monthly perks. Other credit cards have annual credits, provided as rebates or statement credits after you spend money with predefined merchants.
However, there’s one thing the banks don’t make clear: how long it really takes to receive these credits.
You may see terms like “allow up to 12 weeks to receive credit” and think that sounds unreasonable. Does it really take 12 weeks to receive credit for using the perks built into your credit card? Luckily, it doesn’t.
We polled readers and TPG staff to see when they normally receive their credits (on average). Here’s a look at how long it takes to get statement credits from American Express, Chase and Capital One.
How long does it take to receive Amex statement credits?
Amex statement credits tend to post within two to three days on average, though it varies depending on the specific card and statement credit. Enrollment is required in advance for select benefits.
The Platinum Card® from American Express
Click here for our full review of the Amex Platinum Card.
The Business Platinum Card® from American Express
Click here for our full review of the Amex Business Platinum Card.
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The American Express® Business Gold Card
Click here for our full review of the Amex Business Gold Card.
Hilton Honors American Express Aspire Card
Click here for our full review of the Hilton Aspire card.
The information for the Hilton Aspire card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Hilton Honors American Express Surpass® Card
Click here for our full review of the Hilton Surpass card.
American Express® Gold Card
Click here for our full review of the Amex Gold Card.
American Express® Green Card
Click here for our full review of the Amex Green Card.
The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
How long does it take to receive Capital One statement credits?
Capital One Venture X Rewards Credit Card
The Venture X is the only card from Captial One with annual credits. This comes in the form of an annual $300 travel credits for bookings made with Capital One Travel.
Click here for our full review of the Venture X card.
Capital One Venture X Business Credit Card
The Venture X Business card has the same $300 travel credits for bookings made with Capital One Travel as the consumer version.
Click here for our full review of the Venture X Business card.
How long does it take to receive Chase statement credits?
Chase Sapphire Preferred Card
The Sapphire Preferred has a $50 annual hotel credit when booking a hotel through Chase Travel.
*The GoPuff credit is available to all Chase and cobranded consumer and business cards except the Amazon family of cards. The GoPuff credit will end at the end of December 2023.
Click here for our full review of the Sapphire Preferred card.
Chase Sapphire Reserve
The Sapphire Reserve has a broad travel category in terms of what you earn bonus points for and what counts for the card’s annual travel credit.
*The Instacart credit amount varies depending on which Chase card you have. If you hold a Freedom Unlimited, Freedom Flex or Freedom Rise card, you will get a $10 quarterly Instacart credit, which posts in three days on average.
Click here for our full review of the Sapphire Reserve card.
How long does it take to receive Citi statement credits?
Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees)
The Citi / AAdvantage Executive Mastercard is American Airline’s premier travel card.
Click here for our full review of the Citi / AAdvantage Executive World Elite Mastercard.
Bottom line
Using your credit card’s perks is key. These benefits unlock the card’s value and can offset the annual fee you pay to keep the card year after year. However, banks typically don’t make it clear how long it takes to receive your statement credits.
If you’ve been waiting longer than the average on this page, contact your credit card issuer to inquire about missing statement credits. The quickest and most effective way is probably by using your bank’s online chat or secure messaging function.
