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Once you’ve earned rewards points, you may be wondering “should you get cash back as a statement credit or use points?” the answer to this depends entirely on which credit card you hold. What is the advantage of, or why do cardholders redeem for specific charges instead of a general statement credit? A lot of travel credit cards have the option to use your points for paying towards a new booking or getting a statement credit Let's use the venturex, which unlike the csr as far as i can tell doesn't give you any bonus redeeming for booking through their portal. Have you recently received a statement credit on your credit card Learn more about what it means, why you may have gotten it and how to use it. If you want more flexibility in redeeming your rewards, you’ll have to pick a credit card that offers redemption options outside of a statement credit For example, you may be able to apply rewards directly toward purchases or redeem for gift cards, travel, or merchandise. The statement credit will be reflected on your upcoming statement Please note that using points for your charges will not count toward your minimum payment due, and a minimum payment due will still be required for that billing cycle. You might receive statement credits after returning credit card purchases or redeem your credit card rewards as statement credits Statement credits could reduce your credit card balance or cover some fees. Many credit cards offer rewards like cash back or points And those rewards can often be redeemed in the form of statement credits Credit card issuers often offer statement credits that come with certain qualifying purchases. Each rewards program handles statement credits a little differently Here’s what to consider when deciding if they’re the best way to redeem your rewards. Statement credits reduce your credit card balance, but don't replace your minimum monthly payment You can get a statement credit from credit card rewards, refunds or disputed charges.