The Amex Platinum Card — How To Use the Annual $400 Resy Dining Credit and Benefits

The Platinum Card^® from American Express just got a major refresh for 2025, and the new benefits are exciting. All of the card’s iconic premium benefits remain intact, but American Express has added several new lifestyle-focused features designed to deliver even more value.

That includes the new Resy statement credit, worth up to $400 annually, that cardholders are eligible for upon enrollment. In true American Express fashion, there are some rules to remember, as the benefit is structured as up to $100 in credits per quarter and for U.S. Resy restaurants only.

Let’s take a look at what exactly Resy is and how you can make the most of this valuable dining perk.

What Is Resy?

Resy is one of the largest dining reservation platforms, connecting diners with thousands of restaurants, bars, and cafés worldwide. In the U.S. alone, more than 10,000 restaurants can be booked on Resy.

For guests, it makes finding new dining spots and securing a table simple and convenient, and offers additional tools to optimize seating and streamline operations for restaurant owners.

American Express acquired Resy in May 2019 as part of its push to deepen its lifestyle offerings for cardmembers. Since then, the issuer has steadily expanded its dining benefits — particularly for those who hold its top-tier cards.

Signing up for an account is completely free, and you can make a reservation using the Resy website or the Resy mobile app (iOS, Android).

How To Enroll in the Resy Statement Credit

Like many Amex Platinum card benefits, the new Resy credit requires prior enrollment. To activate it (or any of your other card perks), log in to your account, head to the Rewards & Benefits tab, hit Benefits, and scroll through the list to find the benefit you’d like to enroll in.

Alternatively, you can call the customer service number on the back of your card for help. You’ll only ever have to enroll in this benefit once.

How To Add Your Amex Card to Resy

You’ll also want to have your card information loaded onto the app, as some restaurants may require you to keep a card on file when booking. In some instances, they may place a refundable deposit to hold your reservation.

To add your Amex Platinum card to your account, open the Resy app, and upon logging in, visit the Account tab. Click Payment Methods to enter the card details.

How the Amex Platinum Card’s Resy Credit Works

As an Amex Platinum cardmember, you’ll receive up to $100 back each quarter when you pay for eligible purchases at U.S. Resy restaurants — for a total value of up to $400 per calendar year. The quarters are as follows:

• Q1: January 1 to March 31
• Q2: April 1 to June 30
• Q3: July 1 to September 30
• Q4: October 1 to December 31

At the start of each quarter, you’ll be eligible to use the credit of up to $100. Note that the amounts do not roll over and are strictly a use-it-or-lose-it benefit by the end of each quarter.

You don’t need to book through Resy for the credit to apply: Any eligible purchase (excluding merchandise and gift cards) at a U.S. restaurant partnered with Resy will trigger the statement credit. Through the Resy website or mobile app, you can easily search for local restaurants near you or even explore dining options in other cities when planning a trip.

I’ve experienced this firsthand with other Amex cards that offer a Resy credit upon enrollment. I’ve dined at nearby restaurants without realizing they participated with Resy, only to later notice a statement credit appear on my account after paying with my Amex.

Officially, Amex says receiving the statement credit may take up to 8 weeks. In practice, however, it usually doesn’t take this long. For example, I recently ate at a café I didn’t realize was part of the Resy network. After paying with my card, the statement credit showed up the next day.

You can combine multiple purchases to reach the $100 quarterly limit, so you don’t have to use it all in a single visit. Again, unused credits don’t roll over, so take advantage of this benefit before each quarter ends.

Other Amex Cards With Resy Credits

The Amex Platinum card is the newest card to feature Resy credits, and it has the most generous credit amounts among Amex’s lineup. In case you’re curious, here are other Amex cards that offer a Resy credit, though in much lower amounts (enrollment required):

• American Express^® Gold Card: Up to $50 semi-annually, for a total of up to $100 back per year
• Delta SkyMiles^® Platinum American Express Card — Up to $10 Resy credit per month, for a total of up to $120 back per year
• Delta SkyMiles^® Platinum Business American Express Card — Up to $10 Resy credit per month, for a total of up to $120 back per year
• Delta SkyMiles^® Reserve American Express Card — Up to $20 Resy credit per month, for a total of up to $240 back per year
• Delta SkyMiles^® Reserve Business American Express Card — Up to $20 Resy credit per month, for a total of up to $240 back per year

The Amex Gold card is the best card for dining and food-related purchases, as you’ll earn up to 4x points per dollar at restaurants worldwide (up to $50,000 per calendar year, then 1x) and 4x points per dollar at U.S. supermarkets (up to $25,000 per calendar year, then 1x). It pairs well with the Amex Platinum card as it earns valuable Membership Rewards points, which can be transferred to 20+ airline and hotel transfer partners.

NEW OFFER

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American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 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.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

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Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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American Express Membership Rewards

Additional Amex Platinum Card Resy Benefits

Platinum Nights by Resy

As of September 2025, the Amex Platinum card now comes with another perk: Platinum Nights by Resy. As a cardholder, you’ll get exclusive access to select Resy restaurants in New York, Los Angeles, and Miami on designated nights of the week. Add your Amex Platinum card to your Resy profile to unlock this benefit, and your account will be upgraded with this special access.

Global Dining Access by Resy

While you can receive up to $400 annually in Resy statement credits, your Amex Platinum card now offers much more. For long, the Amex Platinum card (and a few other top-tier Amex cards) has provided access to Global Dining Access by Resy, an exclusive program designed to allow members to access some of the most sought-after restaurants and enjoy other benefits like:

• Exclusive reservation availability at restaurants around the world
• Priority notifications for reservation slots at over 9,000 restaurants
• Access to member-only events
• VIP Diner badge

Using your benefits is super easy:

1. Download the Resy app or go to Resy.com and create an account
2. Add your Amex Platinum card to your Resy wallet. After doing that, you’ll unlock your Global Dining Access benefits.
3. Browse and use the Resy app or website as usual.

Some of the most popular restaurants include Carbone (NYC), Le Bernardin (NYC), Jon & Vinny’s (LA), and COTE Miami.

In addition to the Amex Platinum card, the Amex Business Platinum card, Delta Reserve card, and Delta Reserve Business card are eligible for Global Dining Access by Resy.

Amex Platinum Card Overview

The Amex Platinum card comes at a steep cost — with a higher $895 annual fee (rates & fees) for 2025. However, the card shines in premium travel and lifestyle benefits — especially after its recent updates.

+ NEW BENEFITS

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

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.

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
• More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

A goldmine of perks is available on the Amex Platinum card, and you don’t necessarily need to maximize every single one to find lasting value. Besides the annual Resy credit, heavy-hitter benefits include:

• Access to 1,550 lounges worldwide: Receive access to Centurion Lounges (U.S. and international locations), Priority Pass upon enrollment, Escape Lounges – The Centurion Studio Partner, Plaza Premium Lounges, select Virgin Clubhouses, select Lufthansa Lounges when flying with Lufthansa Group the same day, and 10 visits to Delta Sky Clubs (when flying Delta same-day) with the ability to unlock unlimited visits through spend.
• Up to $600 prepaid hotel credit (enhanced): Get up to $300 back in statement credits semi-annually (for a total of up to $600 per year) on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through AmexTravel.com when you pay with your card. The Hotel Collection requires a minimum 2-night stay.
• Up to $300 digital entertainment credit (enhanced): Get up to $25 back each month on eligible purchases made with your card on one or more of the following: Disney+, The Disney+ Bundle, ESPN+, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube TV, and YouTube Premium. Enrollment required.
• Up to $300 lululemon credit (new): Get up to $75 per quarter for eligible purchases at U.S. lululemon stores (excluding outlets) and lululemon.com, for up to $300 in statement credits per calendar year. Enrollment required.
• Up to $120 Uber One credit (new): Get up to $120 in statement credits annually for a monthly, auto-renewing Uber One membership charged to your Amex Platinum card for discounts on Uber rides, Uber Eats orders, and more perks. Terms apply.
• Up to $200 Oura Ring credit (new): Get up to $200 in statement credits when purchasing an Oura Ring at Ouraring.com each calendar year with the Amex Platinum card. Enrollment required.
• $209 CLEAR Plus Credit: Use your card and get up to $209 back per year on your CLEAR Plus membership (subject to auto-renewal).
• Up to $155 Walmart+ Credit: Receive a $12.95 monthly credit toward a Walmart+ membership.
• Up to $200 Uber Cash: Receive $15 each month, plus a bonus of $20 in December after adding the Amex Platinum card to your Uber account. Use your Uber Cash on Uber rides and orders in the U.S. when you select an Amex card for your transaction.

Final Thoughts

The Amex Platinum card just got more rewarding with an easy-to-use Resy credit. The up to $100 allotment is quite generous and can cover a meal (or even a few) each quarter, with a total potential value of up to $400 back each calendar year.

Although the Amex Platinum card has a high $895 annual fee (rates & fees), the Resy credit alone can provide tremendous value. That’s before you factor in the other excellent travel, entertainment, and lifestyle perks on this premium card.