Almost every weekday morning for the past year, I’ve been tapping my credit card for my morning coffee without thinking twice.
What I didn’t realize was that I was throwing money away. My card offers up to $84 a year in statement credits for purchases at one of my regular coffee spots — but only if I enrolled first. I hadn’t, because I didn’t know the credit existed.
Statement credits are cash back on certain purchases — typically with specific brands or retailers — that are applied to your credit card balance. They’re essentially free money for things you might already be buying.
Because these offers change often and require enrollment, they’re easy to overlook. It took me more than a year to notice the coffee credit, which was added to my card in July 2024.
Like many statement credits, it only activates after you log into your card issuer’s website or app and manually opt in. I found the option in the “benefits” tab.
