The common cycles
Credits come in monthly, quarterly, twice-a-year or yearly amounts. Each period starts fresh, and unused credit is usually lost.
Some credits show up on your statement only after a delay, so don't leave a purchase to the last day.
Calendar year or cardmember year
A calendar-year credit resets on January 1, no matter when you opened the card.
A cardmember-year credit resets on your card anniversary instead, counted from the month you opened the card. That is why two people with the same card can have different reset dates, and why you can sometimes use a credit twice around your first year.
The same card can change
Issuers can change the schedule. A credit that used to follow the calendar year can later move to the cardmember year. Check the current terms of each credit rather than relying on memory.
How to find out which one your card uses
Open the card's benefits page or terms and look for phrases like “per calendar year”, “per cardmember year”, “each membership year” or a reset date.
If it isn't clear, ask the issuer.
Don't lose the credits
Write down each credit, how much it is and when its period ends, and tick it off when you use it.
In Rune, the Reminders tab shows credits that reset soon and what is still unused. Tick the ones you've used; family members share the ticks, so a credit isn't used twice. To see if a card's fee is worth it, see Is a credit card annual fee worth it? How to work it out.
Track your credits in Rune
Based on public sources as of 2026-11. Reset rules differ by card and can change; check the card's terms.