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 in 2026.
$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: May 2026Verified: Amex.comActive Offers: 12+
The Amex Platinum dining credit puts $400 per year back in your pocket — $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
🍽️
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.
Showing 12 of 12 offers⚠️ Offers are personalized — log in to amex.com to see your exact offers
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 + $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 the $400 annual Resy credit, issued as $100 per quarter. It automatically applies when you use your Amex Platinum card at Resy-partner restaurants after enrolling the benefit through your Amex account. The credit resets every January, April, July, and October. Any unused quarterly balance does not roll over, so use it before each quarter ends.
After enrollment, you receive $100 in dining credit every quarter (January–March, April–June, July–September, October–December) at Resy-partner restaurants. Simply use your enrolled Amex Platinum card when paying the bill. The credit posts as a statement credit within 3–5 business days — no coupon or app code needed. Credits expire at the end of each quarter if unused.
Any restaurant listed on the Resy platform and marked as a partner qualifies for the $100 quarterly credit. This includes thousands of restaurants nationwide from fine dining spots like Nobu and The Capital Grille to casual neighborhood favorites. You can search participating restaurants on resy.com or the Resy app. Non-Resy restaurants, takeout orders placed elsewhere, and alcohol-only tabs do not qualify.
No — the Amex Platinum card earns only 1x Membership Rewards point per dollar on dining purchases. The card’s 5x earning is reserved for flights booked directly with airlines or through Amex Travel, and prepaid hotels booked through Amex Travel. For cardholders who spend heavily on dining, pairing the Platinum’s $400 Resy credit with the Amex Gold card (4x on restaurants worldwide) is a popular strategy.
Amex Platinum dining offers are targeted, merchant-specific promotions available through the Amex Offers program. After logging into americanexpress.com, navigate to Amex Offers, find dining offers, and click ‘Add to Card.’ Once added, simply pay with your Platinum card at the qualifying merchant and the statement credit posts automatically within a few billing cycles. These offers are separate from and stackable with the $400 Resy credit.
Yes — primarily through the $400 Resy dining credit, which alone covers nearly half the card’s $895 annual fee when fully utilized. Add in personalized Amex dining Offers worth $20–$50 per merchant, and the card delivers strong dining value despite earning only 1x on restaurant spend. Cardholders who eat out regularly at Resy-listed restaurants and stack the quarterly credit with targeted Amex Offers will see the most value.
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.
