If you have a premium rewards card, you’re likely familiar with its statement credits. When cards charge high annual fees, much of that cost is often offset by these perks.

Many benefits reset on a biannual or quarterly basis, which means you either use them or lose them. As June 30 approaches, it’s worth taking stock of which statement credits you still have left to redeem.

Here’s a card-by-card breakdown of the benefits you’ll want to use before July 1.

American Express

Some Membership Rewards-earning cards, as well as a few of Amex’s Hilton cobranded cards, have statement credits that will expire at the end of June.

The Business Platinum Card from American Express

The Business Platinum Card® from American Express has three statement credits that fit into this category in exchange for its $895 annual fee (see rates and fees).

• Up to $300 statement credit biannually (up to $600 per calendar year) on prepaid American Express Fine Hotels + Resorts or The Hotel Collection bookings: This statement credit applies when you book FHR or THC through Amex Travel and pay with your Amex Business Platinum. (Hotel Collection stays require a two-night minimum.) This benefit is divided into two up to $300 biannual statement credits, one for use from January to June and another for use from July to December.
• Up to $90 statement credit per quarter (up to $360 per calendar year) for eligible Indeed purchases in the U.S.: Business owners can use this statement credit toward subscription plans, sponsored job posts, advertisements on the platform and more.
• Up to $50 statement credit per quarter (up to $200 per calendar year) for eligible Hilton purchases: This statement credit can be used for any eligible purchase at a property in the Hilton portfolio. Note that you must be registered in the Hilton for Business program to participate.

Enrollment is required for select benefits.

To learn more, read our full review of the Amex Business Platinum.

American Express Platinum Card

Here’s what American Express Platinum Card® members need to keep in mind to help offset its $895 annual fee (see rates and fees).

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• Up to $300 statement credit biannually (up to $600 per calendar year) on prepaid American Express Fine Hotels + Resorts or The Hotel Collection bookings: This statement credit applies when you book FHR or THC through American Express Travel® when you pay with your Amex Platinum. (Hotel Collection stays require a two-night minimum.) This benefit is divided into two up to $300 biannual statement credits, one for use from January to June and another for use from July to December.
• Up to $100 statement credit per quarter (up to $400 per calendar year) for Resy: Pay with your Amex Platinum at an eligible U.S. Resy restaurant. No reservation is required.
• Up to $75 statement credit per quarter (up to $300 per calendar year) for Lululemon: Pay with your Amex Platinum and receive the statement credit for purchases made at U.S. stores (excluding outlets) and online.

Enrollment is required for select benefits.

One additional note: If you have the Amex Platinum or Amex Business Platinum and haven’t used any of your airline fee statement credit (worth up to $200 per calendar year), datapoints suggest you may be able to contact Amex before June 30 to change your designated airline selection. This statement credit can be used all at once or across multiple transactions.

To learn more, read our full review of the Amex Platinum.

American Express Gold Card

If you have the American Express® Gold Card, there’s one expiring statement credit to be aware of.

• Up to $50 statement credit biannually (up to $100 per calendar year) for Resy: Pay with your Amex Gold at an eligible U.S. Resy restaurant. No reservation is required. This benefit is divided into two up to $50 biannual statement credits, one for use from January to June and another for use from July to December.

Enrollment is required.

To learn more, read our full review of the Amex Gold.

Hilton Honors American Express Aspire Card

A premium card for Hilton loyalists, the Hilton Honors American Express Aspire Card has two expiring benefits.

• Up to $200 Hilton Resorts statement credit biannually (up to $400 per calendar year): Use your Hilton Aspire at participating Hilton Resorts to pay for eligible purchases, such as room charges and incidentals. This benefit is divided into two biannual statement credits, up to $200 each, one for use from January to June and another for use from July to December.
• Up to $50 in flight statement credits per quarter (up to $200 per calendar year): Pay for a flight directly with an airline, through AmexTravel.com or the Amex Travel App™ and receive up to $50 in statement credits each quarter.

To learn more, read our full review of the Hilton Aspire.

The Hilton Honors American Express Business Card

There’s a quarterly statement credit on the The Hilton Honors American Express Business Card you’ll want to redeem.

• Up to $60 Hilton statement credit per quarter (up to $240 per calendar year): Receive up to $60 in statement credits each quarter on purchases charged directly with the Hilton Business Amex toward a property within the Hilton portfolio, including bookings and incidental charges, such as dining and spa services.

To learn more, read our full review of the Hilton Business Amex.

Hilton Honors American Express Surpass Card

The Hilton Honors American Express Surpass® Card has its own quarterly statement credit to maximize before July 1.

• Up to $50 Hilton statement credit per quarter (up to $200 per calendar year): Receive up to $50 in statement credits each quarter on purchases charged directly with the Hilton Surpass card toward a property within the Hilton portfolio. This statement credit is similar to the one on the Hilton Business Amex.

To learn more, read our full review of the Hilton Surpass.

Related: 7 cards that can replace your Amex Platinum

Bilt

Two Bilt cards offer a biannual statement credit that you must use by the end of June.

Bilt Palladium Card

The Bilt Palladium Card (see rates and fees) has one benefit expiring at the end of June.

• Up to $200 Bilt Travel hotel statement credit biannually (up to $400 per calendar year): Receive up to $200 in statement credits for hotel bookings made through the Bilt Travel portal. You must book a minimum stay of two nights. You’ll receive $200 to use from January to June, and another $200 to use from July to December.

To learn more, read our full review of the Bilt Palladium.

Bilt Obsidian Card

The Bilt Obsidian Card (see rates and fees) also has a biannual benefit to redeem by the end of the month.

• Up to $50 Bilt Travel hotel statement credit biannually (up to $100 per calendar year): Receive up to $50 in statement credits for hotel bookings made through the Bilt Travel portal. You must book a minimum stay of two nights. You’ll receive $50 to use from January to June, and another $50 to use from July to December.

To learn more, read our full review of the Bilt Obsidian.

Related: Your complete guide to travel and purchase protections on Bilt cards

Chase

There are two Ultimate Rewards-earning cards with statement credits that will expire at the end of the month.

Chase Sapphire Reserve

There are two Chase Sapphire Reserve® (see rates and fees) statement credits that will reset on July 1.

• Up to $150 StubHub and Viagogo statement credit biannually (up to $300 per calendar year): Up to $150 in biannual credits to use on event tickets at StubHub and Viagogo for purchases through Dec. 31, 2027 (one-time activation required).
• Up to $150 statement credit for dining at Sapphire Reserve Exclusive Tables via OpenTable biannually (up to $300 per calendar year): Up to $150 in biannual credits for prime-time reservations at Sapphire Reserve Exclusive Tables. No prepayment or payment through OpenTable is required.

A quick reminder: The $500 statement credit for purchases made through The Edit is not biannually restricted. Cardholders receive two statement credits of up to $250 for prepaid stays of two nights or more. These credits can be used at any time of the year, but they cannot be combined.

To learn more, read our full review of the Sapphire Reserve.

Chase Sapphire Reserve for Business

The Chase Sapphire Reserve for Business℠ (see rates and fees) also has a pair of statement credits resetting soon.

• Up to $200 ZipRecruiter statement credit biannually (up to $400 per calendar year): Up to $200 in ZipRecruiter statement credits. You’ll receive the benefit from January through June and again from July through December for purchases made through ZipRecruiter (through Dec. 31, 2027).
• Up to $50 Giftcards.com statement credit biannually (up to $100 per calendar year): Up to $50 in biannual credits (up to $100 per calendar year). (Make your purchase via giftcards.com/reservebusiness; through Oct. 31, 2028.)

To learn more, read our full review of the Sapphire Reserve for Business.

Related: Chase Sapphire Reserve statement credits: What they are and how to use them

Citi

There’s one premium Citi card with a credit that you’ll need to use before June ends.

Citi Strata Elite Card

The Citi Strata Elite℠ Card (see rates and fees) is a premium option with one benefit you’ll need to track.

• Up to $100 Blacklane statement credit biannually (up to $200 per calendar year): Up to $100 in biannual credits for Blacklane chauffeur bookings, one to use from January to June and another to use from July to December.

To learn more, read our full review of the Citi Strata Elite.

Related: Is the Citi Strata Elite worth the annual fee?

Bottom line

Maximizing your statement credits is one of the best ways to offset a high annual fee. If you have not yet redeemed the statement credits on this list, remember they expire at the end of the month. So, don’t wait.

Bookmark this article to revisit as deadlines approach, and periodically take stock of the cards in your wallet to make sure they’re still working for your lifestyle.

Related: I asked TPG staffers how they manage credit card statement credits — here are 4 tips

For rates and fees of the Amex Business Platinum, click here.
For rates and fees of the Amex Platinum, click here.