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Amex Platinum Resy Credit: How It Works, Coverage & $400 Annual Value

Get up to $100 per quarter (up to $400/year) when you book and dine at U.S. restaurants live on Resy via Resy.com, the Resy app, or Resy Pay. Enrollment required.

Written by: Sebastian FungLast updated: October 02, 2025
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As part of the September 2025 refresh, American Express Platinum Card® added a $400 annual Resy dining credit, issued as up to $100 in statement credits per quarter.

  • Enrollment required: Activate the Resy benefit through your Amex account
  • Eligible purchases: Reservations and dining spend made directly on Resy.com, the Resy app, or via Resy Pay at restaurants that partner with Resy.
  • Exclusions: Gift cards, Resy OS software, and third-party processed transactions.
  • Cap: Up to $100 per quarter, $400 annually, per account (not per card).
     

If you already book restaurants through Resy, this credit is a straightforward way to offset part of the high annual fee. Rates and fees.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

What Is Resy?


Resy is a restaurant reservation platform that Amex acquired in 2019. Think of it as a premium alternative to OpenTable, with more focus on curated restaurants, hard-to-get tables, and exclusive dining events.

Unlike broader platforms, Resy leans into scarcity and exclusivity. The restaurants on Resy are often in high demand, from Michelin-starred spots to buzzy new openings. For Platinum cardholders, that makes the new dining credit more aligned with the card’s lifestyle positioning.

Where the Resy Credit Works Best


Resy has its strongest coverage in major U.S. dining cities like New York, Los Angeles, San Francisco, Miami, and Chicago. These markets tend to have the largest number of restaurants “live on Resy,” including both high-end fine dining and trendy neighborhood spots. Travelers visiting these cities will find it easy to apply the Amex Platinum Resy credit toward popular restaurants, since reservations and payments flow directly through Resy.com or the Resy app.
 

Outside of big metro areas, coverage can be thinner, so it’s worth checking the Resy app ahead of time. To make sure the transaction qualifies for the quarterly $100 statement credit, always confirm that the restaurant is listed and book directly through Resy.

💎 Major Refresh
card art for the American Express Platinum Card® cardAmerican Express Platinum Card®
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Annual fee: $895

Terms apply | Rates & Fees

Sebby's take: Despite a hefty annual fee, you get up to $3,500 in credits that help offset this. The card is great for people who benefit from lounge access, travel protections, and access to programs like Fine Hotels & Resorts.

Why the Resy Credit Matters


Dining is a category most cardholders will actually use. By tying the benefit to Resy, Amex creates an ecosystem play: it drives bookings through its owned platform while giving Platinum cardholders a tangible perk.

  • Predictable cadence:  Up to $100 statement credit each quarter ensures consistent usage, unlike a one lump-sum credit that’s easy to forget.
  • Dining as a lifestyle spend: Unlike travel credits, this one works year-round, even if you’re not flying or booking hotels.
  • Stacked value: When combined with other lifestyle statement credits, lululemon (up to $300), Walmart+ (up to $155), Oura Ring (up to $200), Hotel (up to $600), the annual fee offset math gets much easier.

Annual Value Math


  • Up to $100 per quarter = up to $400 annually
  • Dining is one of the easiest categories to maximize.
  • If you eat out just once per quarter at a Resy-partnered restaurant, you’re covered.

Stacked with other credits, the Resy credit helps cover almost half of the Platinum’s annual fee by itself. Rates and fees.

Trade-Offs


  • Resy coverage is city-centric. If you live outside a major metro, you may not find as many options.
  • You must book through Resy. Paying directly at a restaurant without a Resy link or Resy Pay may not trigger the credit.
  • Quarterly expiration. If you skip a quarter, unused credits do not roll over.

Bottom Line


The Resy credit on the American Express Platinum Card® is one of the most practical additions in the 2025 refresh. At up to $400 per year, it’s a meaningful offset that ties into how most cardholders already spend.

For urban diners or travelers who use Resy regularly, this credit is nearly guaranteed value. For those in smaller markets, its usefulness depends on Resy’s local presence.

Amex Platinum Resy Credit FAQ


How much is the Resy credit worth annually?

Up to $400 per account, split into $100 per quarter, and issued as a statement credit.

Do I need to enroll before using the Resy credit?

Yes. Enrollment is required through your Amex account.

What purchases qualify?

Reservations and dining spend made directly on Resy.com, the Resy app, or via Resy Pay at participating restaurants.

Do international Resy restaurants qualify?
No, only U.S. Resy restaurants qualify for the Amex Platinum Resy credit. 

What doesn’t qualify?

Gift cards, Resy OS software, Resy-branded gift cards, and transactions processed by third parties.

Can additional cardholders use the credit?

Yes, but the cap remains $100 per quarter, $400 annually, per account.

How long until the credit posts?

Statement credits usually appear within a few days, though Amex may take up to 8 weeks.

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American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Terms apply | Rates & Fees