The Amex Platinum card includes a $400 annual Resy dining credit ($100 per quarter) plus personalized Amex Offers at fine dining, delivery, and fast-casual restaurants nationwide. Stack both to maximize your dining dollar.
$400
Annual Resy Credit
$100
Per Quarter Credit
12+
Active Dining Offers
1,000s
Resy Restaurants
MC
mycarddeals Editorial Team
Credit Card Offers Specialists
Last Updated: June 2026Verified: americanexpress.comActive Offers: 12+
The Amex Platinum dining credit puts $400 per year back in your pocket, paid out as $100 every quarter, when you dine at thousands of restaurants on the Resy platform. On top of that standing credit, Amex regularly loads your account with personalized dining offers worth $10-$50 at fine dining, delivery, and fast-casual merchants. Enroll the benefit once and let it work automatically every time you pay with your Platinum card at a qualifying Resy restaurant.
How the Amex Platinum $400 Resy Dining Credit Works
Quick Answer
The Amex Platinum dining credit is worth $400 per year, paid out as $100 per quarter in statement credits at Resy restaurant partners. Credits are distributed quarterly: $100 in January-March, $100 in April-June, $100 in July-September, and $100 in October-December. Each quarter’s credit is use-it-or-lose-it and does not carry over into the next quarter. To earn it, dine at a restaurant that accepts Resy reservations and pay with your enrolled Amex Platinum card.
🍽️
Standing Annual Credit
$400 Resy Dining Credit
$100 per quarter · enrollment required · auto-applied at checkout
Non-Resy restaurantsTakeout from non-Resy appsRestaurant gift cardsAlcohol-only purchasesUnused quarterly balance
💡 Pro Tip:Enroll the Resy benefit in your Amex account before your first qualifying dinner. It takes 30 seconds, and the credit only applies to enrolled cards. Use the Resy app to filter “Amex Partner” restaurants near you to guarantee your bill qualifies. Each $100 quarterly credit resets Jan 1, Apr 1, Jul 1, and Oct 1, so aim to use it before the end of each quarter.
📢 Coming August 1, 2026:Amex is tightening which Resy restaurants qualify for this credit. Going forward, only restaurants specifically marked eligible for the Resy Credit on the Resy app or website will count, rather than every restaurant that simply takes Resy reservations. Amex has confirmed that all currently eligible restaurants remain eligible after the change, with more venues added over time as Tock restaurants join Resy.
📅 Quarterly Credit Calendar
Q1
Jan-Mar
$100
Expires Mar 31
Q2
Apr-Jun
$100
Expires Jun 30
Q3
Jul-Sep
$100
Expires Sep 30
Q4
Oct-Dec
$100
Expires Dec 31
Dining Credit vs. Uber Cash: What’s the Difference?
The Amex Platinum card includes two separate credits that cardholders frequently mix up. The $400 dining credit ($100 per quarter) applies only to sit-down restaurants that participate in Resy, and it requires paying with the enrolled Platinum card at the restaurant itself. The $200 Uber Cash benefit ($15 per month, plus a $20 bonus in December for $35 total) works differently: it loads automatically into the Uber app and covers Uber Eats food delivery orders as well as Uber rides, with no restaurant or Resy requirement at all. Because the two credits draw from different merchant categories and different apps, using one does not reduce or affect the balance of the other. A cardholder who dines at a Resy restaurant and also orders delivery through Uber Eats in the same month can use both credits in full. The practical distinction: use the dining credit for restaurant meals you pay for in person, and use Uber Cash for delivery orders or rideshare trips, since Uber Cash is the only one of the two that works for transportation.
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Amex Platinum Earning Rates on Dining Purchases
The Amex Platinum earns 1x point per dollar on dining. Its 5x earning is reserved for flights and prepaid hotels. The dining value comes from the $400 Resy credit and stacked Amex Offers, not from elevated point multipliers at restaurants.
5x
Flights (Direct & Amex Travel)
Book directly with airlines or through Amex Travel to earn 5x Membership Rewards points, the highest rate on the Platinum card.
5x
Prepaid Hotels via Amex Travel
Earn 5x on prepaid hotel bookings made through amextravel.com, including Fine Hotels + Resorts properties with added perks.
1x
Dining & Restaurants
Restaurant purchases earn 1x. The real dining value is the $400 Resy credit plus targeted Amex Offers, not points multipliers.
1x
All Other Purchases
Everything outside flights and Amex Travel hotels earns 1x. Consider pairing with the Amex Gold (4x dining) for maximum rewards on restaurant spend.
💡 Amex Platinum + Amex Gold Duo: Many cardholders pair these two cards, using Platinum for lounge access and credits, and Gold for 4x on restaurants and US supermarkets. Amex Membership Rewards points transfer 1:1 between cards. Points are worth approximately $0.02 each when transferred to airline partners like Delta SkyMiles, Air Canada Aeroplan, or British Airways Avios.
How to Activate Your Amex Platinum Dining Benefits
1
Log In to Amex
Visit americanexpress.com or open the Amex app. Navigate to “Benefits” then find the Resy dining credit. Click “Enroll”: this one-time step activates the quarterly $100 credit on your Platinum card.
2
Find Resy Restaurants
Download the Resy app or visit resy.com. Search for restaurants near you and filter by “Amex Partner” to see which locations qualify. Make a reservation or note the qualifying spots for walk-in visits.
3
Add Amex Dining Offers
Back in your Amex account, go to “Amex Offers” and add any dining offers that match your restaurants. These stack on top of the Resy credit: a $30 Nobu offer plus the $100 quarterly Resy credit means even more off your bill.
4
Pay & Earn Credits
Pay your restaurant bill with your enrolled Amex Platinum card. Both the Resy quarterly credit and any Amex Offer credits post as statement credits within 3-5 business days. No codes or coupons needed.
FAQ
Amex Platinum Dining Credit: Common Questions
The Amex Platinum dining credit is worth $400 per year, paid out as $100 every quarter (January-March, April-June, July-September, October-December) when you dine at Resy-partner restaurants and pay with your enrolled Amex Platinum card. The credit posts automatically as a statement credit within a few business days, with no code or coupon required. Each $100 quarterly allotment is use-it-or-lose-it: unused balances do not roll over into the next quarter.
Restaurants that participate in the Resy reservation platform and are marked as eligible for the credit qualify for the Amex Platinum dining benefit. This includes thousands of restaurants nationwide, from fine dining spots like Nobu and The Capital Grille to casual neighborhood favorites. Use the Resy app or website to confirm which restaurants near you currently qualify, since Amex periodically updates the eligible list.
No, the Amex Platinum dining credit does not roll over. Each $100 quarterly credit must be used within its own quarter (January-March, April-June, July-September, or October-December) or it expires permanently. Amex resets the credit at the start of the next quarter regardless of how much of the previous quarter’s credit went unused.
Enroll the Resy benefit once through your Amex account or app, then simply pay your restaurant bill with your enrolled Amex Platinum card at any qualifying Resy-partner restaurant. You do not need to book your reservation through the Resy app to use the credit; you only need to dine at a restaurant that participates in the program and charge the bill to your Platinum card. The statement credit applies automatically, typically within a few business days.
Not automatically. Any restaurant that uses Resy as its reservation platform has historically qualified for the Amex Platinum dining credit as long as you pay with your Platinum card, but starting August 1, 2026, Amex is narrowing this rule. Going forward, only restaurants specifically marked eligible for the Resy Credit on the Resy app or website will count, rather than every restaurant that simply takes Resy reservations. Amex has confirmed all currently eligible restaurants stay eligible after the change, with more added over time. Check the Resy app for the current list of qualifying restaurants in your city, updated as of June 2026.
The Amex Platinum card has two separate dining-related credits that are often confused. The $400 dining credit ($100 per quarter) applies only to sit-down restaurants that use Resy. The $200 Uber Cash ($15 per month, plus $35 in December) can be used for Uber Eats delivery or Uber rides, and is not limited to dining at all. These are separate credits with separate qualifying merchants, so using one does not reduce or affect the other.
Limited Time Offer
Get up to 175,000 Membership Rewards® Points
New Amex Platinum cardholders earn 175,000 points after $12,000 spend in 6 months, plus the $400 Resy dining credit and $2,900+ in total annual credits from day one.
