When Do Credit Card Credits Reset? Complete Calendar for 2026 (Amex, Chase, Capital One)

Statement credits are only valuable if you use them before they reset. And every credit card issuer handles reset schedules differently — some reset monthly on the 1st, some quarterly, some semiannually, and some on your cardmember anniversary (which is different for every cardholder).

This is the complete 2026 reset calendar for credits across Amex, Chase, Capital One, Citi, and Bilt. Bookmark it. Or better yet, let CardStack track it all for you automatically.

TL;DR

• Monthly credits (Uber Cash, streaming, CLEAR, Walmart+) reset on the 1st of each month — use them or lose them
• Quarterly credits (Resy, Lululemon) reset every three months — do not let a quarter slip
• Semiannual credits (Hotel) split Jan–Jun and Jul–Dec — “semiannual” does not mean “six months from signup”. Saks follows the same calendar halves but ends July 1, 2026
• Annual credits vary: some follow the calendar year, some follow your cardmember anniversary
• Chase credits mix cardmember-anniversary, calendar-year, monthly, and semiannual resets — more complex than it used to be

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Quick Reference: All Major Credits by Reset Schedule

Monthly (resets on the 1st of each month)

Card	Credit	Amount
Amex Platinum	Digital Entertainment	$25/month
Amex Platinum	Uber Cash	$15/month ($20 in Dec)
Amex Platinum	CLEAR Plus	~$17.42/month
Amex Platinum	Walmart+	~$12.95/month
Amex Gold	Uber Cash	$10/month
Amex Gold	Dining Credit	$10/month
Amex Gold	Dunkin’ Credit	$7/month
Chase Sapphire Reserve	DoorDash	$25/month
Chase Sapphire Reserve	Lyft	$10/month
Chase Sapphire Reserve	Peloton	$10/month

Quarterly (resets every 3 months: Jan, Apr, Jul, Oct)

Card	Credit	Amount
Amex Platinum	Resy Dining	$100/quarter
Amex Platinum	Lululemon	$75/quarter

Semiannual (resets Jan–Jun and Jul–Dec)

Card	Credit	Amount
Amex Platinum	Hotel Credit (FHR/THC)	$300/half
Amex Platinum	Saks Fifth Avenue	$50/half (ends July 1, 2026)
Amex Gold	Resy Dining	$50/half
Chase Sapphire Reserve	The Edit Hotels	$250/half
Chase Sapphire Reserve	Dining	$150/half
Chase Sapphire Reserve	Entertainment	$150/half

Annual (calendar year or cardmember anniversary)

Card	Credit	Amount	Reset Basis
Amex Platinum	Airline Fee	$200	Calendar year
Amex Platinum	Equinox	$300	Calendar year
Amex Platinum	Oura Ring	$200	Cardmember year
Amex Platinum	Uber One	$120	Cardmember year
Amex Gold	Hotel Collection Credit	$100	Cardmember year
Chase Sapphire Reserve	Travel Credit	$300	Cardmember year
Chase Sapphire Reserve	Select Hotels	$250	Calendar year 2026 (through Dec 31, 2026)
Chase Sapphire Reserve	Apple TV + Apple Music	$288	One-time activation
Capital One Venture X	Travel Credit	$300	Cardmember year
Capital One Venture X	Anniversary Miles (10K)	~$100	Cardmember year

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Amex Reset Schedules Explained

Amex is by far the most complex issuer when it comes to credit resets. The Platinum alone has credits resetting on four different schedules.

Monthly Credits

Monthly credits reset on the 1st of each calendar month. If you do not use your $25 streaming credit or $15 Uber Cash by the last day of the month, that month’s credit is gone. It does not roll over.

Deadlines that matter: The last day of every month. For Uber Cash specifically, the credit is added to your Uber account on the 1st, so check your Uber app to confirm it has been loaded.

Quarterly Credits

Quarterly credits follow calendar quarters, not your signup date:

• Q1: January 1 – March 31
• Q2: April 1 – June 30
• Q3: July 1 – September 30
• Q4: October 1 – December 31

The Resy dining credit ($100 per quarter) and Lululemon credit ($75 per quarter) both follow this schedule. If you do not use your Q1 Resy credit by March 31, it does not carry into Q2.

Deadlines that matter: March 31, June 30, September 30, December 31.

Semiannual Credits

This is where people get tripped up. “Semiannual” on Amex credits means the year is split into two fixed halves:

• First half: January 1 – June 30
• Second half: July 1 – December 31

It does not mean “every six months from your signup date.” If you opened your card in April, you still have only until June 30 to use the first-half credit.

The Hotel Credit ($300 per half) and Saks Credit ($50 per half) both follow this schedule. Note: the Saks benefit ends July 1, 2026 — June 30 is the last day to use the first-half credit, and there is no Jul–Dec window after that.

Deadlines that matter: June 30 and December 31 for hotel and most semiannual credits. For Saks in 2026, June 30 only.

Common mistake: People think they have six months from when they got the card. They do not. If you get the Platinum in May, you have roughly six weeks to use the first-half hotel credit before it expires on June 30.

Annual Credits

Annual credits are split between two systems:

• Calendar year (January 1 – December 31): The Airline Fee Credit resets on January 1 each year. You select one airline for the year and cannot change it.
• Cardmember year (anniversary to anniversary): The Oura Ring Credit and Uber One Credit reset on your cardmember anniversary. Your anniversary date is the month and day you originally got the card.

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Chase Reset Schedules

Chase is simpler than Amex, but the Sapphire Reserve refresh added enough credits that you cannot treat it as a single annual travel credit anymore.

Chase Sapphire Reserve

Monthly (resets on the 1st of each month):

• $25 DoorDash Credit — promos plus complimentary DashPass (through December 2027)
• $10 Lyft Credit — through September 2027
• $10 Peloton Credit

Semiannual (resets Jan–Jun and Jul–Dec):

• $250 The Edit Hotel Credit — 2-night minimum
• $150 Dining Credit — Sapphire Reserve Exclusive Tables
• $150 Entertainment Credit — StubHub and viagogo

Annual (cardmember anniversary unless noted):

• $300 Travel Credit — automatic on any travel MCC
• $250 Select Hotels Credit — 2-night minimum; available through December 31, 2026
• $288 Apple TV + Apple Music — one-time activation

Spend-unlock credits (calendar year, after $75,000 in card spend):

• $250 The Shops Credit
• $500 Southwest Airlines Credit

No reset: Priority Pass and Chase Sapphire Lounge access stay active as long as the card is open.

Chase Sapphire Preferred

• $50 Hotel Credit: Annual, resets on cardmember anniversary. Applies to hotels booked through Chase Travel.
• 10% Anniversary Points Bonus: Points bonus on your anniversary based on total spending for the year.

The Preferred is still dramatically simpler than the Reserve. One hotel credit, broad transfer partners, and no monthly deadlines.

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Capital One Reset Schedules

Capital One Venture X

• $300 Travel Credit: Resets on your cardmember anniversary. Covers travel booked through Capital One Travel. The definition is narrower than Chase’s — it needs to be booked through the Capital One portal.
• 10,000 Anniversary Miles: Deposited on your cardmember anniversary each year. Worth approximately $100 in travel redemptions. These do not expire as long as your account is open.

Capital One Venture

• No statement credits. The Venture is a straightforward 2x miles card with no credit management needed.

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Citi Reset Schedules

Citi Strata Premier (formerly Premier)

• $100 Hotel Credit: Annual, resets on cardmember anniversary. For hotels booked through the Citi Travel portal.

Citi Custom Cash

• 5x Bonus Category: Not a credit, but worth noting — the top category each billing cycle automatically earns 5x (up to $500 in spending). This resets every billing cycle, not calendar month.

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Bilt Reset Schedules

Bilt Mastercard / Bilt Palladium

Bilt does not have traditional statement credits. The primary benefit is earning points on rent, which has no credit to manage. However:

• Rent Day (1st of each month): Bilt runs special promotions on the 1st of each month with bonus earning opportunities. These are not credits but are calendar-sensitive.
• Bilt Palladium hotel credit ($200 semiannual, $400/year): Resets Jan–Jun and Jul–Dec for Bilt Travel hotel bookings (2-night minimum).

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Common Gotchas

”Semiannual” does not mean “six months from signup”

This catches new Amex cardmembers every year. If you open the Platinum in May, your first-half hotel credit expires June 30 — not November. You may have as little as a few weeks to use a $300 credit.

Calendar year vs. cardmember year

The Amex Airline Fee Credit resets January 1. The Oura Ring and Uber One credits reset on your anniversary. These are different dates, and confusing them means missing credits.

Monthly credits do not roll over

$15 in unused Uber Cash on January 31 becomes $0 on February 1. This is true for all monthly credits — entertainment, CLEAR, Walmart+. There is no accumulation.

Quarterly credits are calendar quarters, not rolling

“Quarterly” means Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec. If you spent $200 at Resy in Q1 hoping to bank $100 into Q2, it does not work that way. Each quarter is independent.

Transaction posting date matters, not purchase date

A dinner on March 31 that does not post until April 2 counts toward Q2, not Q1. If you are cutting it close to a deadline, make purchases a few days early to account for processing time.

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Never Miss a Reset

The number of deadlines across a multi-card wallet adds up quickly. A Platinum alone has deadlines on the last day of every month, the last day of every quarter, June 30, and December 31. Add a Gold and a Chase card and you are tracking a dozen different dates.

CardStack tracks every credit, every reset date, and every deadline across all your cards in one place. It shows what you have used, what is still available, and what is about to expire. You get notifications before deadlines so you can use credits while they are still active.

The alternative is a spreadsheet and a calendar full of reminders. That works too — but if you are managing three or more premium cards, automation saves real money.