Many premium credit cards offer annual statement credits. These credits are a fantastic way to offset the overall cost of your card. Whether you’re a seasoned credit card user or just starting out, understanding these credits can help you make the most of your card’s benefits.

The list of credit cards with annual statement credit for long-term keeping.

Credit Card	Annual Fee	Annual Statement Credit
Chase Sapphire Preferred	$95	$50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel
Citi Premier Card	$95	$100 in statement credits for a single hotel booking of $500+
Capital One Venture X Rewards	$395	$300 in annual credits for flights, hotels, or rental cars booked through the Capital One Travel portal 10,000 reward points (worth $100) every card anniversary
U.S. Bank Altitude Reserve Visa Infinite Card	$400	$325 in annual credits for eligible travel purchases and dining, takeout and restaurant delivery purchases
Citi Prestige Card	$495	$250 annual statement credit for any travel purchases
Chase Sapphire Reserve	$550	$300 in statement credit reimbursements each anniversary year for any travel purchases

In addition, there are travel credit cards that come with airline incidentals statement credits and hotel credit cards that come with free night certificates or hotel purchase statement credits when booking at specific hotels. These cards are not listed here because the statement credits are not flexible to use.