31 credit windows close on 31 December
Earn rates and annual fees for every US rewards card, plus the part most sites skip: each recurring statement credit with its cap, how many windows it gives you a year, and which clock it runs on.
Card terms last verified against issuer pages on 2026-09-20.
Credit windows closing in each month, counting only the 31 credits that run on the calendar year. Credits on the cardmember year close on your own anniversary instead, so they cannot be placed on a shared calendar. Nothing much happens for eleven months, and then everything happens at once.
162 US rewards cards from 19 issuers. For 72 of them, every recurring statement credit is listed with its per-cycle cap and reset date — 235 credits, of which 60 are capped monthly and 69 need enrolment before they pay out. Earn rates are the multipliers the issuer advertises; there are no percentage returns here, because working one out means putting a price on the rewards currency and that price depends on how you redeem.
Premium cards, by credits you can actually use
Ranked by recurring credits that carry a corroborated dollar amount and no large spending requirement, rather than by the totals in the marketing. See the full ranking.
Amex Business Platinum
Amex Morgan Stanley Platinum
Chase Sapphire Reserve
Chase Sapphire Reserve Business
Start from what you spend on
Rankings are grouped by rewards currency rather than merged, because a multiplier in hotel points and a multiplier in transferable points are not the same thing.
Dining
3x cash back, Barclays View Mastercard
4x transferable, Amex Gold
Travel
5x cash back, Discover it
5x transferable, Chase Freedom Flex
Groceries
6x cash back, Amex Blue Cash Preferred
4x transferable, Amex Gold
Gas & EV
5x cash back, Citi Dividend
5x transferable, Chase Freedom Flex
Streaming
6x cash back, Amex Blue Cash Preferred
3x transferable, Chase Sapphire Preferred
No annual fee
5x base, Chase Prime Visa
Premium
$4,819 in credits, Amex Business Platinum
No FX fee
12x base, Citi Strata Elite
No annual fee
Guides
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Eight apps that track card benefits and offers, scored against a published rubric. Only four of them compete for the same job.
The credit finder
Search all 235 recurring statement credits by merchant, frequency or reset date.
Questions people ask
When do credit card statement credits expire?
It depends on the credit, and the two answers behave completely differently. Of the 235 recurring credits we track, 31 run on the calendar year and expire on 31 December no matter when you opened the account — 31 separate credit windows close on that one date. The rest reset on your cardmember year, meaning your own account anniversary. Cards routinely use both at once, which is why the distinction is worth checking per credit rather than per card.
Which credit card has the most annual statement credits?
Amex Business Platinum, with $4,819 a year across 11 recurring credits against a $895 annual fee. That figure is the sum of the caps, not what a typical cardholder captures: 60 of the credits we track across all cards are capped monthly, so an unused month is simply gone.
Do credit card credits need to be activated?
69 of the 235 recurring credits we track require enrolment before use, and enrolment is not retroactive at most issuers — a qualifying purchase made before you enrol usually will not be credited. Enrolment is normally one click in the issuer's app, which is what makes it so easy to lose money to.
How many US rewards credit cards are there?
We publish structured data on 162 US rewards cards from 19 issuers. That is not the whole market: we hold back cards where our data is too thin to publish responsibly, currently around three dozen.