Credit Card Statement Credits Explained

Many premium cards offer statement credits—$200 for travel, $100 for dining, etc. Here’s how they actually work.

Types of Credits

Travel credits: Apply to flights, hotels, rental cars, sometimes rideshare Dining credits: Restaurants, delivery services Streaming credits: Netflix, Spotify, etc. Airline fee credits: Incidentals like checked bags Retailer credits: Saks, Dell, etc.

Maximizing Credit Value

• Know your credits and their terms
• Set reminders before expiration
• Don’t buy things you wouldn’t otherwise buy
• Factor unused credits into annual fee calculations

Last updated: January 2026 Affiliate disclosure: ShortcutBest may earn a commission when you apply through our links.