How to Redeem Airline, Travel, Dining Credits Before 2020 Ends

Premium credit cards often come with a suite of benefits that include money-saving statement credits on travel and dining purchases that can be worth up to $300 annually. But there’s a catch — these credits often expire at the end of each calendar year.

If you have select American Express or Citi cards, time is running out for you to take full advantage of these credits before the new year. Chase cardholders may have more time since the credit resets every 12 months from the first statement date after your account opening anniversary.

While many of these statement credit offers are traditionally for travel-related expenses, some card issuers have temporarily adjusted the list of eligible purchases to include gas stations, supermarkets and/or restaurants.

Here’s a comprehensive list of credit card statement credit offers that are expiring soon, plus how you can use them before you lose them.

• Wireless phone service credit: Up to $10 on wireless phone service charges made directly with U.S. wireless telephone service providers (valid through 12/31/20).
• See rates and fees.

• Airline fee credit: Up to $100 annually. (This benefit will be ending on 12/31/2021.)
• Dining credit: Up to $10 per month toward eligible dining at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations.
• See rates and fees.

• Airline fee credit: Up to $200 annually.
• Uber credit: Up to $20 Uber Cash credit for Uber rides or eats orders ($20 only applies in December, otherwise it’s $15 per month).
• Streaming credit: Up to $20 per month on select U.S. streaming subscriptions (valid through 12/31/20).
• Wireless phone service credit: Up to $20 per month on wireless phone service charges made directly with U.S. wireless telephone service providers (valid through 12/31/20).
• Saks Fifth Avenue credit: Up to $50 toward purchases from July to December.
• See rates and fees.

• Airline fee credit: Up to $200 annually.
• Dell credit: Up to $100 from July to December.
• Shipping credit: Up to $20 per month on U.S. shipping purchases (valid through 12/31/20).
• Wireless phone service credit: Up to $20 per month on wireless telephone services purchased directly from U.S. service providers (valid through 12/31/20).
• See rates and fees.

• Airline fee credit: Up to $250 annually.
• Hilton Resort credit: Up to $250 annually for eligible purchases made directly with participating Hilton Resorts.
• See rates and fees.

• Marriott Bonvoy hotel credit: Up to $300 annually for eligible purchases made directly with participating Marriott Bonvoy hotels.
• See rates and fees.

The Chase Sapphire Reserve® offers a massive $300 travel credit that can be applied to a wide variety of expenses including airfare, hotel stays, tolls, campgrounds and much more. Check out the full list of eligible travel purchases.

Chase even expanded the eligible categories to include gas station and grocery store purchases through June 30, 2021.

This credit doesn’t expire every calendar year, but instead every 12 months from the first statement date after your account opening anniversary.

Citi Prestige® Card members receive up to a $250 statement credit toward eligible travel purchases, such as airfare, hotels, car rentals and tolls, every calendar year. And now through the end of 2020, supermarket and restaurant purchases count toward the travel credit.

The additional categories give you the flexibility to either use your credit for food or to book future travel with the credit now. Check out the full list of eligible travel purchases.

Information about the Bank of America® Premium Rewards® credit card, American Express® Green Card, and Citi Prestige® Card has been collected independently by CNBC and has not been reviewed or provided by the issuers of the cards prior to publication.