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Unlock $400 in Free Dining: Your Complete AmEx Platinum Resy Credit Guide (2025)
July 1, 2025
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If you're carrying The Platinum Card® from American Express, you're sitting on one of the most flexible dining benefits in the credit card world: $400 in annual Resy credits. Unlike restrictive dining programs that force you to book through a platform, the Resy credit is refreshingly simple to use, and there are dozens of ways to maximize every dollar.
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Here's everything you need to know to squeeze maximum value from this premium perk.
Understanding the Resy Credit Structure
The Resy benefit breaks down to $100 per calendar quarter:
- Q1: January - March
- Q2: April - June
- Q3: July - September
- Q4: October - December
This quarterly structure means you can't roll over unused credits, making it essential to plan your dining strategy each quarter.
The Basics: How to Use Your Resy Credit
Step 1: Enroll Your Card (One Time Only)
Before your first use, enroll your Platinum card in the Resy benefit. This one-time enrollment covers you for all future quarters on that card.
Step 2: Find Eligible Restaurants
Here's where the Resy credit shines: you don't need to book anything through Resy or even have a Resy account. Simply:
- Visit Resy.com and search by your city
- Browse the 10,000+ eligible restaurants across 1,600+ US cities
Step 3: Dine and Pay
Walk into any Resy restaurant and pay with your enrolled Platinum card. That's it. The credit triggers automatically based on the merchant, not your reservation method.
Important details:
- ✅ Tips and taxes count toward the $100 threshold
- ✅ Apple Pay and other mobile payments work
- ✅ You can split bills between multiple cards
- ✅ Multiple visits per quarter are fine (e.g., $50 twice)
- ✅ US restaurants only
Step 4: Track Your Resy Credit
Monitor your progress through the AmEx app or online account. Credits typically post within a few days, though AmEx officially allows up to 8 weeks.
Better yet, never miss a credit again. Use Kudos' Hidden Perks feature to automatically track your Resy credit usage across all quarters. Kudos sends notifications when credits are about to expire and shows you exactly how much you've used, so you'll never leave money on the table.
AmEx Gold Card: $100 Annual Resy Credit
Don't have the Platinum? The American Express® Business Gold Card (See Rates & Fees) also includes a Resy benefit with a simpler structure:
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- $50 credit: January - June
- $50 credit: July - December
- Total annual value: $100
The mechanics work identically. Enroll once, dine at Resy restaurants, and the credit posts automatically. All the strategies below apply to both cards. The Gold card has a $325 annual fee versus the Platinum's $895, making it a solid option if you want Resy credits without premium travel perks. And if you hold both cards? That's $500 in combined annual Resy credits.
The Bottom Line
The Resy $400 credit is one of the most flexible dining benefits available, especially since you're not forced to use a booking platform or limited to expensive fine dining. With 10,000+ restaurants spanning everything from neighborhood bistros to Michelin-starred establishments, most cardholders can easily extract full value.
Whether you're a foodie who was dining out anyway or someone looking to offset the Platinum's $895 annual fee, the Resy credit is one of the easiest ways to recoup $400 of real value each year.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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