When credit card statement credits reset.

Two kinds of reset

Calendar year or cardmember year — the issuer decides.

Most credits reset on a calendar boundary: the first of the month, the first of the quarter, January 1 and July 1, or January 1 alone. Some reset on the anniversary of the date you opened the card instead (the cardmember year). Cards in the same wallet can follow different schedules, and only the issuer's own wording says which applies:

“The credit renews on the account anniversary date each year.”Chase, on the Sapphire Reserve annual travel credit — chase.com, read September 4, 2026

“Up to $100 in statement credits each calendar year.”American Express, on the Gold Card Resy credit — americanexpress.com, read September 4, 2026

The table marks which kind each credit is. A cardmember-year credit can't be dated for you here — it depends on the date you opened your card, which is why MoneyRoom asks for that date when you add a card with an annual fee.

Year end

What resets on January 1.

78 of the credits above reset once a year on the calendar, so anything unused is gone at midnight on December 31 — and every quarterly and twice-a-year credit starts a new period the same day. Filter the table to “Yearly” and “Calendar only” for the full list, and check enrollment first: a credit you haven't enrolled in doesn't reset, because it never started.

Credits that reset on your card anniversary aren't on that list. Their deadline depends on the date you opened the card, so a December reminder won't help with them.