Statement credits
Credit card statement credits, explained.
A statement credit is money the issuer posts back to your account after a qualifying purchase — a yearly airline-fee credit, a monthly dining credit, a hotel credit that books through the issuer's portal. They are how an annual-fee card pays you back, and almost all of them expire on a schedule. Our catalog tracks 288 recurring credits across 102 cards.
How they work
Three things decide whether you collect one.
The clock. Each credit resets monthly, quarterly, twice a year, yearly, or on your cardmember anniversary. An unused window is forfeited, not rolled over. The gate. 118 of the credits we track need a one-time enrollment before the first dollar posts; others only count at named merchants or through the issuer's own booking portal. The posting. A credit arrives as a reimbursement after the charge, sometimes weeks later — and it does not count as a payment toward your bill.
Face value is what the issuer advertises. Our modeled recoverable value is lower under our assumptions, because monthly windows may be missed and enrollments get skipped — the discount is published on the methodology page and applied on every card's score page.
Free, no account
The pages that answer each question.
When does each credit reset?
Included recurring credits and promos by card and cadence, with the calendar-vs- cardmember-year basis, enrollment flags, and the date each card's terms were last checked.
Is my annual fee worth it?
Tap the credits you actually use and see the net for the year, with real amounts pre-loaded from the card's terms.
What credits does my card have?
Every card we score, credits first: the full ledger at face and typical value against the fee, grouped by issuer.
How do I keep track of them?
What a tracking spreadsheet has to carry, and what MoneyRoom does instead — free, unlimited cards, no bank connection required.
How are the scores built?
The published rubric: usable value against the fee, upkeep effort, real earn rates — every factor in the open.
What does a bank connection allow?
Optional, read-only, through Plaid — and never required. The boundary, drawn in full.
Your wallet
Every credit on its own clock, in one place.
Add the cards you carry and MoneyRoom keeps each credit's used, left, and reset date beside the annual fee — free by hand. Pro detects supported credits from a linked card; some need confirmation and others stay manual. No affiliate links, no application buttons: the math has no reason to flatter a card.