A Deep Dive into the American Express Resy Credit

American Express has significantly enhanced its dining perks across several of its premium and co-branded credit cards, primarily through the introduction and expansion of the Resy Credit.¹ This benefit, which provides cardholders with statement credits for eligible purchases at U.S. Resy restaurants, is a valuable way to offset annual fees and enjoy some of the country’s most sought-after dining experiences.

Here is a breakdown of the Resy Credit benefit on the key American Express cards:

American Express Card	Annual Resy Credit Value	Credit Cadence	Key Additional Dining Perks
The Platinum Card®	Up to $400	Up to $100 per calendar quarter	Global Dining Access by Resy (exclusive reservations, priority notify, early access to special events) and Platinum Nights by Resy (access to dedicated reservation slots at coveted restaurants).
American Express® Gold Card	Up to $100	Up to $50 semi-annually (Jan-Jun, Jul-Dec)	4X Membership Rewards® points on eligible dining (including takeout/delivery in the U.S.).
Delta SkyMiles® Reserve Card	Up to $240	Up to $20 per month	Global Dining Access by Resy.
Delta SkyMiles® Platinum Card	Up to $120	Up to $10 per month	Global Dining Access by Resy.

Note: Enrollment is required for all Resy Credit benefits, and terms apply.

How the Resy Credit Works

The process for utilizing the Resy Credit is straightforward across all eligible cards:

1. Enroll: The basic card member must enroll the card in the benefit through their Amex online account or by calling the number on the back of the card.
2. Dine: Use your enrolled American Express Card to make an eligible purchase at a U.S. restaurant that is live on the Resy reservation platform
3. Pay: The payment must be made directly with the restaurant (in-person, takeout, or pre-paid booking through Resy/Resy Pay). Payments made through third-party delivery apps (like Uber Eats or DoorDash) are generally not eligible.
4. Credit Posts: A statement credit will automatically be applied to your account, typically within a few days but possibly up to eight weeks, up to the maximum limit for that period (quarterly, semi-annually, or monthly).⁸

Crucially, you do not need to book your reservation through Resy to trigger the credit.As long as the restaurant is a participating U.S. establishment on the Resy network and you pay with your enrolled card, the charge should qualify.

Maximizing Your Credit: Platinum vs. Gold

The difference in value and structure between The Platinum Card and the Gold Card is significant:

• The Platinum Card ($400 Annual Value): This is the highest Resy Credit offered by Amex. The quarterly cadence ($100 max per quarter) requires active management to this structure rewards regular, planned dining. The added benefit of Platinum Nights by Resy offers access to highly exclusive, reserved seating, making the card a key for serious foodies.
• American Express Gold Card ($100 Annual Value): With a semi-annual cadence ($50 max every six months), this credit is easier to earn. It’s a great bonus on a card already built for dining, which earns a generous 4X Membership Rewards points per dollar spent at restaurants (and U.S. supermarkets).For many, the Gold Card’s point earning power on dining may be more valuable than the Platinum Card’s higher dollar credit, as the Platinum Card earns only 1X point on Resy purchases.

Delta SkyMiles Co-Branded Cards

The Delta cards also feature a Resy credit, but on a more frequent, smaller scale:

• The Delta SkyMiles® Reserve Card offers up to $20 per month (totaling $240 annually).
• The Delta SkyMiles® Platinum Card offers up to $10 per month (totaling $120 annually).

This monthly cadence makes the credit easy to use on a single meal each month, ensuring the full value is captured with minimal effort.

Strategic Use of the Credit

To ensure you get the full value from your Resy Credit, keep the following tips in mind:

1. Enroll Immediately: Activate the benefit on your Amex account as soon as possible.
2. Mind the Deadlines: Pay close attention to the reset dates. The Platinum Card is quarterly, the Gold Card is semi-annually, and the Delta cards are monthly. Unused credits do not roll over.
3. Check Eligibility: Confirm the restaurant is listed as a participating venue on Resy.
4. Consider Gift Cards: While not universally guaranteed, some cardholders report success using the credit to purchase gift cards directly from participating restaurants, effectively “banking” the credit for future use.

The Amex Resy Credit solidifies the issuer’s commitment to premium dining experiences, offering tangible savings that can significantly offset the cost of their high-end credit cards.