New beginnings and new opportunities are what a new year has to offer. New beginnings for your American Express shopping credits and new opportunities for purchases with no out-of-pocket costs are included.

I'm referring to the annual shopping credits on The Business Platinum Card from American Express as well as the annual shopping credits on The Platinum Card from American Express. In order to use these benefits, you need to enroll.

Saks shopping credits on the Amex Platinum

Up to $100 in annual statement credits is offered by the Amex Platinum Card. You can get up to $50 in credits from January to June and up to $50 in credits from July to December every year. You have to enroll your card in advance in order to use it.

There are nine things you can buy with the Amex Platinum.

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If you stack this credit with online shopping portals, you'll get bonus cash back or miles. Amex offers, along with any sales or coupons, should be watched out for.

This statement credit will be useful if you shop frequently at the store. You can find items that cost no more than $50 if you don't. You can find items that are less than $50 in the sale section.

Dell shopping credits on the Amex Business Platinum

You can get up to $400 in statement credits for Dell purchases if you have the Business Platinum card. You must enroll for the benefit in advance through the "benefits" section of your Amex online profile if you want to qualify.

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It is possible to get up to $200 in statement credits from January to June and up to $200 in statement credits from July to December. It does not have to be a computer. Dell credits can be used for a new bag, speakers, or gift cards.

There are 10 items you can buy with the Amex Business Platinum.

Adding extra points, miles or cash back on top of your purchase is a great way to maximize this purchase.

Bottom line

Your credit card's annual credits may have changed. Dell and Saks Fifth Avenue credits from American Express are among the more popular and easy to use options.

If you don't use your statement credits, your benefits won't roll over to the second half of the year.

The additional reporting was done by Ryan Smith