Amex Platinum Resy Credit: The $100-a-Quarter Playbook
The Resy credit is up to $100 per quarter, $400 a year, no rollover. Quarters end March 31, June 30, September 30 and December 31 — and enrollment is required first.
Strategy · 6 min read · 2026-07-25
Amex Platinum Resy Credit: The $100-a-Quarter Playbook
The Amex Platinum Resy Credit pays out $100 every quarter — $400 a year — for dining at U.S. Resy partner restaurants. Each quarter's $100 expires when the quarter ends and, unlike most Amex offers, does not roll over — so if you haven't booked a Resy reservation on your Platinum this quarter, that money is sitting unused with a hard cutoff coming.
This is the play: how the credit works, the 60-second enrollment most cardholders never see, the post-purchase verification trick, and what to do if a past quarter already slipped by. See the live countdown to the next reset →
The Q2 window: $100, U.S. Resy restaurants, enrollment required
The Amex Platinum Resy Credit structure:
- $400 per year, paid out as 4 × $100 quarterly statement credits
- Q1: January 1 – March 31. Q2: April 1 – June 30. Q3: July 1 – September 30. Q4: October 1 – December 31.
- Enrollment required (one-time, takes about 60 seconds — see below)
- Posts as a statement credit against any settled Resy charge in the quarter, up to $100
- Works at U.S. Resy partner restaurants — thousands nationwide, in every major metro and most secondary cities
The credit is paid up to $100 in dining charges that bill through Resy. It does not apply to:
- Resy reservations at restaurants that take payment in person (you charge your Platinum at the table, not through Resy)
- Resy Global Dining Access bookings outside the U.S.
- Resy gift cards
- Tickets to Resy-hosted events (some are eligible, some aren't — verify the merchant code before relying on it)
The cleanest path is a Resy-billed reservation: pre-paid prix-fixe, deposit-required tasting menu, ticketed dinner event, or any restaurant that runs payment through the Resy platform itself rather than a swipe at the table.
What happens to Q1 if you missed it
Q1's $100 does not roll over. If you didn't trigger Q1 by March 31, that credit is gone — you've already forfeited $100 of the $895 annual fee. Q2 starts fresh at $100; it does not inherit anything from Q1. The practical effect: cardholders who use the credit every quarter recoup $400 of the fee. Cardholders who miss one quarter recoup $300. Don't let June 30 be your second missed quarter of 2026.
How to enroll in 60 seconds
Most Platinum cardholders assume the credit is automatic. It isn't — you enroll once per card, then it stays active. The path:
- Sign in to your American Express account (app or americanexpress.com)
- Open Account → Benefits (or Membership Benefits on web)
- Find the Resy Credit card under "Dining"
- Tap Add to Card
You'll get a confirmation screen and email. Enrollment carries forward — no need to re-enroll each quarter. Multiple Platinums (personal + business, or two consumer Platinums) each enroll separately and each get their own $100 quarterly credit — see the FAQ below.
How to verify the credit fires
Statement credits can post anywhere from same-day to two billing cycles after the purchase. The fastest verification path: make a Resy-billed reservation, complete the dinner (the charge settles on Resy in 1-3 days), open the Amex app → Transactions, find the Resy charge, and look for a matching negative-dollar transaction labeled "RESY CREDIT" — same amount as the original or up to $100 if higher.
If 14 days have passed with no credit, the usual culprits are:
- Enrollment: you weren't enrolled when the charge posted. Enroll now; the credit doesn't backfill.
- Merchant code: the restaurant settled directly with your card rather than billing through Resy. Look for "RESY*" in the merchant name.
- Quarter boundary: a charge that settles April 2 but was authorized March 30 sometimes counts against Q1. Statement credits go off settlement date, not authorization date.
For Q2 specifically: book by June 23 or earlier to be safe. That gives the charge a week to settle before the quarter rolls.
Restaurant ideas: where the $100 actually goes
Resy partners run from neighborhood wine bars to multi-Michelin tasting menus. The credit triggers the same way on any of them, but the per-dollar math is best when you pick one of these categories:
- Tasting menus and prix-fixe restaurants — most run $80-$200 per person and bill through Resy as a deposit at booking. One seat covers your $100.
- Omakase counters — Japanese omakase rooms bill the full ticket price through Resy at reservation. $100-$300 per seat.
- Wine bars with reservation deposits — increasingly common in NYC, LA, SF, Chicago, DC. The deposit alone triggers the credit even when the rest of the dinner runs at the table.
- Restaurant weeks and Resy-curated events — Resy Sessions, chef collaborations, themed series — all platform-billed.
A Resy-partner restaurant you already frequent that takes payment in person won't help — that booking doesn't bill through Resy. Use Q2 to try something new that does.
Stacking with Platinum's points earning rate
The $100 statement credit is the visible win, but you also earn Membership Rewards points on the full pre-credit charge. Amex Platinum earning rates at restaurants vary by program and have shifted over the years — your current rate depends on the specific Platinum variant, your enrollment in Amex Offers, and whether the charge codes as standard restaurant or routed via Amex Travel. Open your Amex app, tap on a recent Resy transaction, and check the points earned detail to see your actual multiplier.
The play is the same regardless of the rate: pay with Platinum for the full bill, then claim the $100 credit on top. Even at the floor 1x earn rate, a $100 credit on a $150 dinner is effectively a 67% discount plus points on the full amount.
How this fits the rest of your June 30 cliff
The Q2 Resy credit isn't the only Amex Platinum credit expiring June 30 — the Q2 Lululemon Credit ($75) closes the same day, and CSR and Hilton Aspire holders have a whole separate stack of semi-annual credits resetting July 1.
For the full audit across all four premium cards expiring June 30, see our Q2 Credit Card Checklist — it covers $925 of expiring credits with the same line-by-line treatment.
For the urgency-paired CSR play, see Chase Sapphire Reserve StubHub Credit: Use Your $150 Before June 30 — same cliff, different card, similar 3-step play.
For the Hilton Aspire angle — eligible-resort rules, flexible-rate-only requirement, and the "charge to room" trick that trips up first-time users — see Hilton Aspire Resort Credit: Eligible Hotels, Rules, and How to Actually Use It.
For the perennial deep-dive on the Resy credit itself — including enrollment troubleshooting, full restaurant strategy, and historical context — see our earlier guide: How to actually use the Amex Platinum Resy Credit (April 2026 deep-dive).
Bottom Line
$100 in dining money is sitting on your Amex Platinum right now. It vanishes June 30 if you don't book a Resy-billed reservation before then. The whole play takes about ten minutes including enrollment: confirm enrollment in the Amex app, find a Resy partner with a deposit-required reservation, book it, pay with Platinum, verify the credit posts within two weeks.
Open the benefits dashboard and mark the credit off as soon as the charge posts — your year-to-date redemption ticks up against the $895 annual fee in real time.
Frequently asked questions
What if I have multiple Platinum cards — do I get a separate $100 each?
Yes. Each Amex Platinum card enrolls independently. Consumer Platinum + Business Platinum on the same account = $800/year combined. The enrollment is per-card (not per-account), so confirm both cards have the Resy credit toggled on in Account → Benefits. Heavy-Resy households can compound further with a P2's own Platinum — fully stackable, no per-household cap.
Do delivery orders via Resy count?
No. Resy is primarily a reservation platform; the credit is structured around dining-in charges that bill through Resy. Delivery via Caviar, DoorDash, Grubhub, or any other delivery platform — even if the restaurant is also on Resy — won't trigger this credit. For delivery credits on Amex Platinum, the $20/month Uber Cash credit is the right tool. For dining-in, the Resy credit is the play.
Does the credit work on prix-fixe menus or tasting menus?
Yes, and these are arguably the best use of the credit. Prix-fixe and tasting menus typically require a deposit or full pre-payment through Resy at the time of booking — which is exactly the charge type the credit was designed for. The booking deposit settles through Resy, gets the "RESY*" merchant code, and triggers the credit within one to two weeks. Many cardholders use the Q1/Q2/Q3/Q4 credits to fund a quarterly tasting menu they wouldn't otherwise book.
When does the credit post to my statement?
Anywhere from same-day to two billing cycles after the Resy charge settles — most users report one to two weeks. The credit shows as a separate negative-dollar transaction labeled "RESY CREDIT" — it doesn't reduce the original charge; it sits beside it. If 14+ days pass with no credit, the usual culprits are: enrollment wasn't active when the charge settled, the merchant code didn't include "Resy," or you've already hit the $100 cap on an earlier reservation.
Can I split the $100 across multiple Resy reservations?
Yes. The $100 accumulates across qualifying Resy charges within the quarter — there's no "use it all in one shot" requirement. Four $25 Resy-billed bookings trigger four separate credits totalling $100. One $300 dinner triggers a $100 credit (the cap kicks in). Most cardholders find one substantial reservation per quarter is the easiest path, but splitting works if your dining cadence favors smaller checks.
What happens to the Q2 $100 if I cancel the card on July 1?
Already-posted credits stay; canceling doesn't claw them back. But Resy charges that haven't yet triggered the credit when you close the card may never post — Amex's general posture is "benefits require an active card at the time of credit posting." If you're considering closure around the quarter boundary, make the Resy reservation early, confirm the credit posted, and only then close.
You have 37 days. Open the Amex app, confirm Resy enrollment, book a deposit-required reservation. Then open the benefits dashboard and toggle the Q2 period pill green.
Updated 2026-07-31