Use or Lose These Annual Credit Card Credits and Perks [2025]

Updated 12/04/25 by Harrison Pierce

This is an annual post, updated each year with all the changes since the previous year. 

As credit card issuers have moved more and more toward premium and ultra-premium cards, we have more and more annual credits to keep track of using.

To make it more confusing, some cards have credits you get on an annual basis and others that you get every “cardmember year.” For the perks you get every cardmember year, you’ll need to pay attention to your annual fee billing date to make sure you’ve used your credits. But when the credit is “annual” (i.e. per calendar year), you have a unique opportunity to get the credits in two consecutive years, even before the second annual fee rolls around.  That means this is also an excellent time to apply for the cards with “annual” credits.

I’m not going to list out every card that has a “once every five years” credit for PreCheck/Global Entry since they are so common and not annual. All other “use or lose” perks should be here.

Credit cards with “annual” credits that you must use or lose by the time your December statement closes:

American Express Credit Cards

The Amex cards have a ton of great benefits, but they require activation and use in the defined period or you lose them.

The Platinum Card from American Express ($895 annual fee)

• $200 annual airline credit. Airline must be chosen once per year, though they will usually let you change it one additional time by contacting a representative.

This credit is intended to be used for incidental airline fees. This means it won’t work for airfare itself or upgrades, but it will work for lounge access, seat selection fees, baggage fees, award redeposit fees and the like. We discuss some creative options in the MilesTalk Facebook group. You can also look on Flyertalk, where you just need to find the thread for your preferred airline.

• $300 semi-annual FHR / Hotel Collection credit. Must be booked via AmexTravel and only on prepaid FHR (one night minimum) or Hotel Collection (two night minimum). 
• Uber benefits. Don’t forget to activate and use your monthly Uber credits ($35 in December!). Also receive a statement credit for an auto-renewing Uber One membership. Card must be in your Uber account and must be the method of payment on the transaction that uses the credit. Terms apply.
• $209 CLEAR membership reimbursement. (Enrollment Required)
• $100 quarterly Resy credit. Get up to $100 each quarter when you make eligible purchases with Resy, including dining at more than 10,000 U.S. Resy restaurants. (Enrollment Required)
• $25 monthly entertainment credit. Get up to $25 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. (Enrollment Required)
• $75 quarterly Lululemon credit. Get u pto $75 each quarter when you use your card for purchases at U.S. Lululemon stores or online. (Enrollment Required)
• $12.95 monthly Walmart+. Reimburse that monthly $12.95+ fee. (Enrollment Required)
• $50 semi-annual Saks credit. Use that July – Dec credit. (Don’t forget your Rakuten cash back.)  (Enrollment Required)
• $200 Oura Ring credit. Buy an Oura Ring and receive up to $200 in statement credits each year. (Enrollment Required)
• $300 Equinox credit. Physical locations are around $300/mo with a 12-month commitment, so if you use it in December and again in January you could get the first 2 months free. The digital membership can be purchased annually for $300 so this would be free. You MUST enroll through https://platinum.equinox.com. Separately, there is a $300 SoulCycle At-Home Bike credit.

American Express Gold Card ($325 annual fee)

• $10 Monthly dining credits. Don’t forget to activate and use your $10 monthly dining credit, useable at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and at Five Guys. 
• $7 monthly Dunkin’ credit. Make sure you are enrolled and spend your $7 for December. Reloading $7 on your app works fine.
• $50 semi-annual Resy credit. First, be sure you’ve enrolled online. Then make sure you have used your card to pay at a Resy participating restaurant for at least $50 to use this benefit if you haven’t already since July 1. You don’t need to reserve the restaurant via Resy, but they must accept reservations via Resy to qualify.
• $10 monthly Uber Cash. Your last $10 Uber Cash credit is auto-loaded to your Uber account. Must use your Gold Card as payment method.

American Express Green Card ($150 annual fee)

• $209 annual Clear credit. (Enrollment Required)

Blue Cash Preferred Card from American Express ($95 annual fee)

• $10 monthly Disney streaming credit. When you purchase a subscription on DisneyPlus.com, Hulu.com, or Plus.espn.com U.S. websites, you can get $10 back per month. 

The Business Platinum Card from American Express ($895 annual fee)

• $200 annual airline credit. Airline must be chosen once per year, though they will usually let you change it one additional time by contacting a representative.

This credit is intended to be used for incidental airline fees. This means it won’t work for airfare itself or upgrades, but it will work for lounge access, seat selection fees, baggage fees, award redeposit fees and the like. We discuss some creative options in the MilesTalk Facebook group. You can also look on Flyertalk, where you just need to find the thread for your preferred airline.

• $300 semi-annual FHR / Hotel Collection credit. Must be booked via AmexTravel and only on prepaid FHR (one night minimum) or Hotel Collection (two night minimum). 
• $50 quarterly Hilton credit. Hilton for Business members can get $50 each quarter on purchases made directly with Hilton. Make sure to use your Q4 credit! (Enrollment Required)
• Up to $1,150 annual Dell credit. Receive a statement credit up to $150 on purchases with Dell. And you can even stack with a shopping portal like Rakuten for even more cash back. (Yes, make a profit off buying $200 worth of Dell products). Plus earn an additional $1,000 credit after spending a $5,000 or more on purchases. (Enrollment Required)
• $250 annual Adobe credit. When you spend $600 or more on Adobe purchases, get a $250 statement credit. (Enrollment Required)
• $90 quarterly Indeed.com credit. Get up to $90 per quarter on purchases made with Indeed. (Enrollment Required)
• $10 monthly Cellular credit. Get $10 back in December when you pay for a wireless phone plan with a U.S. provider. (Enrollment Required)
• $209 annual CLEAR credit. (Enrollment Required)

American Express Business Gold Card ($375 annual fee)

• $20 monthly flexible business credit. Earn up to $20 in statement credits each month after you use your card for eligible purchases at FedEx, Grubhub, and Office Supply Stores. (Enrollment Required)
• $12.95 monthly Walmart+. Reimburse that monthly $12.95+ fee. (Enrollment Required)

Hilton Honors American Express Aspire Card ($550 annual fee)

• $200 semi-annual resort credit. Get up to $200 back for purchases made directly with Hilton Resorts. Eligible resorts can be found here: www.hilton.com/resorts. (Enrollment Required)
• $50 quarterly flight credit. Valid on airfare purchased directly with an airline or through amextravel.com. (Enrollment Required)
• $209 annual CLEAR credit. (Enrollment Required)

Hilton Honors American Express Surpass Card ($150 annual fee)

• $50 quarterly Hilton credit. Get up to $200 back per year in $50 quarterly increments at Hilton properties. Make sure you have used your credit for the fourth quarter.

Hilton Honors Business Card ($195 annual fee)

• $60 quarterly Hilton credit. Get up to $240 back per year in $60 quarterly increments at Hilton properties. Make sure you have used your credit for the fourth quarter.

Marriott Bonvoy Brilliant American Express Card ($650 annual fee)

• $25 monthly dining credit. Get up to $300 back per year in $25 monthly credits made at restaurants worldwide. 

Delta SkyMiles Credit Card Credits

The co-branded Delta SkyMiles cards offers similar statement credits on both the personal and business cards. The only thing that differs is the amount. 

• Delta SkyMiles® Gold American Express Card ($150 annual fee)
• Delta SkyMiles® Gold Business American Express Card ($150 annual fee)
• Delta SkyMiles® Platinum American Express Card ($350 annual fee)
• Delta SkyMiles® Platinum Business American Express Card ($350 annual fee)
• Delta SkyMiles® Reserve American Express Card ($650 annual fee)
• Delta SkyMiles® Reserve Business American Express Card ($650 annual fee)

Earn a statement credit on eligible prepaid Delta Stays bookings:

• Delta SkyMiles Gold: $100 credit
• Delta SkyMiles Gold Business: $150 credit
• Delta SkyMiles Platinum: $150 credit
• Delta SkyMiles Platinum Business: $200 credit
• Delta SkyMiles Reserve: $200 credit
• Delta SkyMiles Reserve Business: $250 credit

Use your card to dine at U.S. Resy restaurants or make other eligible Resy purchases. (Enrollemnt required):

• Delta SkyMiles Platinum: $10/month
• Delta SkyMiles Platinum Business: $10/month
• Delta SkyMiles Reserve: $20/month
• Delta SkyMiles Reserve Business: $20/month

Earn statement credits on U.S. rideshare purchases with select providers. (Enrollment Required):

• Delta SkyMiles Platinum: $10/month
• Delta SkyMiles Platinum Business: $10/month
• Delta SkyMiles Reserve: $10/month
• Delta SkyMiles Reserve Business: $10/month

Bank of America Credit Cards

Bank of America Premium Rewards Credit Card ($95 annual fee)

• $100 annual airline incidental fee credit. Get up to $100 in Airline Incidental Statement Credits annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees – automatically applied to your card statement. 

Bank of America Premium Rewards Elite Credit Card ($550 annual fee)

• $300 annual airline incidental fee credit. If you’re taking any holiday trips, you can get up to $300 back for airline incidental fees like seat upgrades, baggage fees, inflight services, and airline lounge fees. 
• $150 annual lifestyle credit. Get up to $150 back for lifestyle conveniences like video streaming services, food delivery, fitness subscriptions, and rideshare services. 

Chase Credit Cards

Chase Sapphire Reserve ($795 annual fee)

• $250 semi-annual credit with The Edit. Get $250 twice per year on prepaid bookings of at least two nights with The Edit. 
• $150 semi-annual dining credit. When you dine at restaurants part of the Sapphire Exclusive Tables program on OpenTable, you can get up to $150 twice per year. Use your July to December credit on a holiday meal. 
• $150 StubHub credit. Earn up to $300 in annual statement credits split into two credits of $150 for StubHub and viagogo purchases through 12/31/2027.
• $10 monthly Lyft credits. Get up to $10 in monthly in-app credits to use on rides through 9/30/2027.
• DoorDash benefits. Get complimentary DashPass, plus a $5 monthly promo to use on restaurant orders and two $10 monthly promos to use on non-restaurant orders through 12/31/2027. 
• $10 monthly Peloton credit. Get $10 in statement credits each month on eligible Peloton memberships through 12/31/2027. 

Also, if you opened your Sapphire Reserve card before May 21, 2017, your annual $300 travel credit is not exactly by calendar year but rather resets after your December statement close date.

Chase Sapphire Preferred ($95 annual fee)

• DoorDash benefits. Get complimentary DashPass, plus a $10 promo to save on groceries, retail orders, and more through 12/31/2027. 

Chase Sapphire Reserve for Business ($795 annual fee)

• $250 semi-annual credit with The Edit. Get $250 twice per year on prepaid bookings of at least two nights with The Edit. 
• $200 annual Google Workspace credit. Get up to $200 per year in statement credits when you use your card for a Google Workspace membership. 
• $200 semi-annual ZipRecruiter credit. If you need to do some last minute hiring in 2025, use your $200 semi-annual statement credit on ZipRecruiter purchases. 
• $10 monthly Lyft credits. Get up to $10 in monthly in-app credits to use on rides through 9/30/2027.
• DoorDash benefits. Get complimentary DashPass, plus a $5 monthly promo to use on restaurant orders and two $10 monthly promos to use on non-restaurant orders through 12/31/2027. 
• $50 semi-annual curated gift card credit. When you purchase gift cards from giftcards.com/reservebusiness, you’ll earn up to $50 in statement credits twice per year. Perfect for a holiday gift for an employee or colleague. 

Ritz Carlton Credit Card ($450 annual fee – no longer open to new applicants)

• $300 annual travel credit. This card is no longer available to new applicants, but if you have one already, note that your $300 annual travel credit must be used by Dec 31st. Here are some tips from Doctor of Credit on what triggers the credit.

United Explorer Card ($150 annual fee)

• $5 monthly rideshare credit. Enroll to receive up to $5 per month on rideshare purchases when you pay with your card. Don’t forget to earn your December credit. 
• $10 monthly Instacart credit. Receive a $10 monthly Instacart credit for purchases made directly through Instacart through 12/31/2027. 

United Quest Card ($350 annual fee)

• Monthly rideshare credit. You get $12 a month as a statement credit on rideshares from January to November, but December offers an elevated $18 credit. Make sure to use it. 
• $20 monthly Instacart credits. Receive two $10 Instacart credits for purchases made directly through Instacart through 12/31/2027. 

United Club Card ($695 annual fee)

• Monthly rideshare credit. You get $8 a month as a statement credit on rideshares from January to November, but December offers an elevated $12 credit. Make sure to use it. 
• $15 monthly Instacart credit. Receive a $10 and a $5 monthly Instacart credit for purchases made directly through Instacart through 12/31/2027. 

United Business Card ($150 annual fee)

• Monthly rideshare credit. You get $8 a month as a statement credit on rideshares from January to November, but December offers an elevated $12 credit. Make sure to use it. 
• $10 monthly Instacart credit. Receive a $10 monthly Instacart credit for purchases made directly through Instacart through 12/31/2027. 

United Club Business ($695 annual fee)

• Monthly rideshare credit. You get $12 a month as a statement credit on rideshares from January to November, but December offers an elevated $18 credit. Make sure to use it. 
• $20 monthly Instacart credits. Receive two $10 Instacart credits for purchases made directly through Instacart through 12/31/2027. 

Citi Credit Cards

Citi Prestige ($495 annual fee – no longer open to new applicants)

• $250 annual travel credit. This card also isn’t available to new applicants, but those with an existing card must use their $250 annual travel credit by the end of the year. It’s valid on any travel purchases. 
• 4th hotel night Free. You can receive a credit for one night of the average nightly rate when you stay four consecutive nights or more, up to twice per year. The stay must be booked online in the ThankYou portal.

Citi Strata Premier ($95 annual fee)

• $100 annual hotel credit. Get $100 off a single hotel stay of $500 or more (excluding taxes and fees) when you book through cititravel.com and use your annual hotel savings benefit. You can receive this benefit once each calendar year. Just note that if you have elite status with the hotel chain you book, these are prepaid rates and therefore do not earn points or status benefits.

Citi Strata Elite ($550 annual fee)

• $300 annual hotel benefit. Receive up to $300 off a hotel stay of two nights or more when you book through cititravel.com.
• $200 Splurge Credit. Earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation. Perfect for a holiday trip or present.
• $100 semi-annual Blacklane credit. Get up to $100 in statement credits twice per year when you book a chauffeur through Blacklane. Keep in mind that the ride isn’t charged until after it’s complete, so you need to take a trip before the end of the year to earn the credit. 
• 4 Admirals Club passes. Receive four passes to Admirals Club locations each calendar year. 

Citi / AAdvantage Executive World Elite Mastercard ($595 annual fee)

• $120 annual car rental credit. Earn up to $120 in statement credits for prepaid Avis and Budget car rentals. 
• $10 monthly GrubHub credit. Get up to $10 in statement credits per monthly billing statement for eligible GrubHub purchases. 

Citi® / AAdvantage® Globe Mastercard ($350 annual fee)

• $100 Splurge Credit. Earn up to $100 in statement credits on your choice of up to 2 of the following brands: 1stDibs, eligible AAdvantage Hotels bookings, Future Personal Training, and Live Nation.
• 4 Admirals Club passes. Receive four passes to Admirals Club locations each calendar year. 
• Up to $240 Turo credit. Earn $30 per completed Turo trip after linking your card at Turo.com/Globe. Earn up to $240 per year. If you have any last-minute rentals, use up as many credits as you can. 

Credit cards with “cardmember year” credits that you must use or lose by your cardmember anniversary date:

Capital One Venture X ($395 annual fee)

• $300 annual travel credit. Your $300 travel credit for use on bookings through Capital One Travel actually resets each cardmember year, so you aren’t in a rush to use this one. 

Capital One Venture X Business ($395 annual fee)

• $300 annual travel credit. Your $300 travel credit for use on bookings through Capital One Travel actually resets each cardmember year, so you aren’t in a rush to use this one. 

Chase Sapphire Preferred ($95 annual fee)

• $50 annual hotel credit. You can earn up to $50 in statement credits on hotel stays through Chase Travel each account anniversary year. 

Southwest Rapid Rewards Priority Credit Card ($229 annual fee)

• $75 Southwest travel credit. You have until 12/31/2025 to use this benefit before it goes away, so make sure to book a flight if you haven’t already. 
• 4 upgraded boardings. This benefit ends on 12/31/2025, so use it while you can. 

Southwest Rapid Rewards Premier ($149 annual fee)

• Two Early Bird check-ins. Make use of this benefit while you can as it ends after 12/31/2025. 
• 15% flight discount. Receive a 15% promo code each year on your account anniversary (excludes Basic fares). 

Southwest Rapid Rewards Plus ($99 annual fee)

• Two Early Bird check-ins. Make use of this benefit while you can as it ends after 12/31/2025. 
• 10% flight discount. Receive a 10% promo code each year on your account anniversary (excludes Basic fares). 

Southwest Performance Business Credit Card ($299 annual fee)

• $500 fee credit. Receive up to $500 in fee credits for Rapid Rewards transfers through December 31, 2025. Benefit removed for 2026. 
• 4 Upgraded Boardings. If you have any last-minute flights in 2025, enjoy up to 4 upgraded boardings. This benefit is removed in 2026. 
• Up to 365 in-flight Wi-Fi credits. Earn up to 365 $8 in-flight Wi-Fi credits. This benefit is removed for 2026. 

Southwest Rapid Rewards Premier Business Credit Card ($149 annual fee)

• 15% flight discount. Receive a 15% promo code each year on your account anniversary (excludes Basic fares). 
• $500 fee credit. Receive up to $500 in fee credits for Rapid Rewards transfers through December 31, 2025. Benefit removed for 2026. 
• Two Early Bird check-ins. Make use of this benefit while you can as it ends after 12/31/2025. 

United Explorer Card ($150 annual fee)

• Up to $100 United Hotels credit. You can earn up to $50 on both your first and second prepaid hotel stay purchased directly through United Hotels per anniversary year. 
• Up to $50 rental car credit. Receive $25 in United TravelBank Cash on each of your first two Avis or Budget car rentals booked through cars.united.com each anniversary year. 
• $100 JSX flight credit. Earn up to $100 in credits each anniversary year when you book flights directly with JSX. 
• 2 United Club passes. Receive 2 passes to the United Club each anniversary year. 

United Quest Card ($350 annual fee)

• 10,000-mile award discount. Beginning your first anniversary year, you’ll get a 10,000-mile discount to use on an eligible award flight. 
• $200 annual United purchase credit. This is a statement credit against UA purchases like airfare as well as things you can buy that are related to a flight, like checked bag fees, upgrades, seats, and Wi-Fi.
• $150 Renowned Hotels and Resorts credit. Receive up to $150 back each anniversary year on prepaid hotels booked through Renowned Hotels and Resorts. 
• Up to $80 rental car credit. Receive $40 in United TravelBank Cash on each of your first two Avis or Budget car rentals booked through cars.united.com each anniversary year. 
• $150 JSX flight credit. Earn up to $150 in credits each anniversary year when you book flights directly with JSX. 

United Club Card ($695 annual fee)

• $200 Renowned Hotels and Resorts credit. Receive up to $200 back each anniversary year on prepaid hotels booked through Renowned Hotels and Resorts. 
• Up to $100 rental car credit. Receive $50 in United TravelBank Cash on each of your first two Avis or Budget car rentals booked through cars.united.com each anniversary year. 
• $200 JSX flight credit. Earn up to $200 in credits each anniversary year when you book flights directly with JSX. 

United Business Card ($150 annual fee)

• Up to $100 United Hotels credit. You can earn up to $50 on both your first and second prepaid hotel stay purchased directly through United Hotels per anniversary year. 
• Up to $50 rental car credit. Receive $25 in United TravelBank Cash on each of your first two Avis or Budget car rentals booked through cars.united.com each anniversary year. 
• $100 JSX flight credit. Earn up to $100 in credits each anniversary year when you book flights directly with JSX. 
• 2 United Club passes. Receive 2 passes to the United Club each anniversary year. 
• $25 FareLock credit. When you buy FareLock on a United-operated flight, receive up to $25 back each anniversary year. 

United Club Business ($695 annual fee)

• $200 Renowned Hotels and Resorts credit. Receive up to $200 back each anniversary year on prepaid hotels booked through Renowned Hotels and Resorts. 
• Up to $100 rental car credit. Receive $50 in United TravelBank Cash on each of your first two Avis or Budget car rentals booked through cars.united.com each anniversary year. 
• $200 JSX flight credit. Earn up to $200 in credits each anniversary year when you book flights directly with JSX. 
• $50 FareLock credit. When you buy FareLock on a United-operated flight, receive up to $50 back each anniversary year. 

Korean Air SKYPASS Select Visa Signature Card ($450 annual fee)

• $200 annual travel credit. Valid on purchaess made directly from airlines, hotels, or car rental companies every account anniversary year. 
• Up to $50 in Duty Free coupons. Receive two $25 coupons for Duty Free purchases on Korean Air flights each anniversary year. 
• 5% flight discount. Get a 5% flight discount up to two times per anniversary year for yourself and a companion. 
• 2 KAL lounge vouchers. Get two coupons to KAL Lounges each year. 

Summary

If we missed anything, please let me know in the comments. Please note we purposely omitted things like the annual free nights awarded with certain cards simply because they are not “use or lose” on the same defined schedule, although they will tend to expire a year from when you receive them.

Thoughts?

Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group. And don't forget to follow me on Instagram for all sorts of tips on miles, points, credit cards, and travel.

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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. 

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

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