How long does it take to receive statement credits from Amex, Capital One, Chase and Citi?
There’s a good chance that you have a credit card with monthly perks. Other credit cards have 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. Your mileage may vary depending on the time the credits are posted to your account. All the days we have listed below are the average of when our staffers have seen the credits posted to their accounts.
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, Capital One, Chase and Citi.
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.
American Express® Business Gold Card
To learn more, read our full review of the Amex Business Gold Card.
American Express® Gold Card
To learn more, read our full review of the Amex Gold Card.
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American Express® Green Card
To learn more, read 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.
Delta SkyMiles cards
To learn more, check out our full list of Delta SkyMiles cards.
Hilton Honors American Express Aspire Card
To learn more, read 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
To learn more, read our full review of the Hilton Surpass card.
The Business Platinum Card® from American Express
To learn more, read our full review of the Amex Business Platinum Card.
The Platinum Card® from American Express
To learn more, read our full review of the Amex Platinum Card.
How long does it take to receive Capital One statement credits?
Capital One Venture X Rewards Credit Card and Capital One Venture X Business
Both the personal and business versions of the Venture X card come with an annual $300 travel credit for bookings made with Capital One Travel.
To learn more, read our full reviews of the Venture X and the Venture X Business.
How long does it take to receive Chase statement credits?
Chase Sapphire Preferred Card
To learn more, read 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.
The information for the Freedom Rise 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.
To learn more, read our full review of the Sapphire Reserve card.
How long does it take to receive Citi statement credits?
Citi® / AAdvantage® Executive World Elite Mastercard®
The Citi / AAdvantage Executive Mastercard is American Airlines’ premier travel card.
To learn more, read 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 using your bank’s online chat or secure messaging function.
