Statement credits
Credit card statement credits, explained.
A statement credit is money your card's issuer (the bank behind the card) puts back on your bill after a purchase that qualifies — a yearly airline-fee credit, a monthly dining credit, or a hotel credit when you book through the card's travel site. They are how a card with an annual fee pays you back, and almost all of them expire on a schedule. Our catalog tracks 304 recurring credits across 104 cards.
How they work
Three things decide whether you collect one.
When it resets. Each credit resets monthly, quarterly, twice a year, yearly, or on your card anniversary (the date you opened the card). If you don't use it in time, you lose it; it doesn't roll over. What you must do first. 112 of the credits we track need enrollment (switching the credit on once) before the first dollar arrives; others only count at certain stores or through the issuer's own travel site. When the money arrives. The credit shows up after the charge, sometimes weeks later — and it does not count as a payment toward your bill.
Face value is the full amount the issuer advertises. What a typical cardholder actually gets back is lower, because monthly deadlines get missed and enrollments get skipped. Our estimate of that gap is on the methodology page and used on every card's score page.
Free, no account
The pages that answer each question.
When does each credit reset?
Every included credit and promo by card and by how often it resets, whether it follows the calendar year or your card year, which need enrollment, and each card's catalog date.
Which credits expire December 31?
Credits that run on the calendar year and end at midnight on December 31, card by card, with the ones you must enroll in first.
Is my annual fee worth it?
Tap the credits you actually use and see if you come out ahead for the year, with real amounts from the card's terms.
What credits does my card have?
Every card we score, credits first: each credit at face value and at typical use, 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?
How Card Score, our 0–10 rating, works: usable value against the fee, how much work a card takes, and real earn rates — every factor published.
What does a bank connection allow?
Optional, read-only, through Plaid — and never required. Every step, explained.
Your wallet
Every credit and its reset date, in one place.
Add the cards you carry and MoneyRoom shows what you've used of each credit, what's left and when it resets, next to the annual fee — free when you track by hand. Pro can spot supported credits from a linked card; some need confirmation and others stay manual. No affiliate links, no apply buttons: the math has no reason to flatter a card.