How I get this monthly credit on my Delta Amex without even trying

I'm an unabashed fan of the Delta SkyMiles® Reserve American Express Card (so much so that I wrote a whole story touting my love for this card).

The Delta Amex Reserve has gotten me into many a Delta Sky Club airport lounge, awarded me with an annual companion certificate so I can bring a friend or family member along when I fly, helped me score first-class and Comfort upgrades and so much more.

Right now, there's one more reason to love the Delta Amex Reserve.

New cardmembers can earn 70,000 bonus miles after spending $5,000 on purchases in their first six months of card membership. TPG's October 2025 valuations peg that bonus at $840.

One of the easiest ways to take advantage of the Delta Amex Reserve's many perks is to use the monthly Resy statement credit. Cardholders can receive a statement credit of up to $240 annually (up to $20 monthly) on U.S. purchases made with Resy. This benefit has been surprisingly simple to earn — so simple, in fact, that I sometimes earn the statement credit without even realizing it.

Here's how.

Related: Do you have a Delta Amex card? Here are 9 things you need to do

Cards that earn Resy statement credits

It's not often that a card makes it this easy to use its perks, but that's exactly what happened to me recently. Before I explain exactly how this happened, let's look at the list of statement credits for cards that earn a Resy credit.

The full lineup of Delta and Amex cobranded cards received annual fee bumps and altered perks in 2024, as did the American Express® Gold Card. I will only focus on the cards with the same statement credits as my Delta Reserve Amex.

Daily Newsletter

Reward your inbox with the TPG Daily newsletter

Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts

Email address

Sign up

By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.

Here's a closer look at the annual and monthly statement credits:

• Delta Stays (Delta's hotel travel portal) for prepaid hotels and vacation rentals
• Resy for eligible purchases at Resy restaurants in the U.S.*
• Select U.S. ride-hailing services like Uber, Lyft, Revel, Curb and Alto*

*Enrollment is required for select benefits; terms apply.

The amount that you can receive for these statement credits varies by card. These are the cards that are eligible to receive all three of these statement credits:

If you have one of these five cards, you can use the listed statement credits to offset the annual fee, if you know how to use them. TPG has a must-read guide to help you maximize these credits, so I won't repeat that here. Instead, let's get back to my surprise credit.

Earning the monthly Resy statement credit

With my Delta SkyMiles® Reserve American Express Card, I get up to $240 annually (up to $20 monthly) in statement credits when I dine at an eligible restaurant in the U.S. that participates in the Resy reservations system and pay with my Delta Reserve Amex. You may be wondering how a perk that involves dining at specific restaurants was able to surprise me, but it did.

That's because you don't have to make a reservation through Resy to earn the credit; you only have to pay your bill at a restaurant listed on Resy using an eligible card. I received an email alerting me that I had earned a $20 Resy statement credit, though I had no recollection of dining at a participating restaurant. My husband was out of town then, so the only dining out I had been doing was visiting the McDonald's drive-thru to get Happy Meals for the kids. As much as my kids love a quick and cheap meal from McDonald's, I knew that couldn't have triggered the credit. (McDonald's has its own awesome rewards program, though.)

Luckily, Amex makes determining which charge triggered the Resy credit easy. I logged in to my account and found the restaurant's name was listed in the $20 credit transaction. The surprise meal was one my husband had eaten while he was in New York City. Mystery solved!

New York has a long list of Resy-affiliated restaurants. If you dine in New York or another metropolitan area, you could also receive a surprise statement credit using your eligible Amex card to pay for your meal.

We don't have as many participating restaurants in my hometown, so I have to plan more carefully to use my monthly Resy credit. My strategy so far involves reviewing the list of restaurants at the beginning of the month as a reminder to stop by one for dinner or drinks at some point. Or, if I have a trip coming up, I'll look at restaurants at my destination and add one to the itinerary.

Finding Resy-affiliated restaurants is easy. You can use the Resy website or app to search for nearby restaurants and either make a reservation or visit as a walk-in. Just remember to pay the bill with your eligible Amex card.

Related: Why the Delta SkyMiles Reserve card is the best card I've added to my wallet in the past year

Other real-world examples

TPG senior editorial director Nick Ewen also has the Delta Reserve Amex, and he's been able to use the Resy credit in a few ways. He recently enjoyed a $20 statement credit at a restaurant on Restaurant Row in New York City, and he also used it to offset part of a brunch in South Florida with his family.

He even purchased a physical gift card at a local Resy establishment for a friend's birthday, triggering the $20 statement credit. We've seen other anecdotal evidence that a gift card purchase will typically trigger the statement credit, but your mileage may vary based on how the restaurant charges your card.

Bottom line

Used every month, the Resy statement credit can be worth up to $240 per year. Combined with up to $120 in annual ride-hailing statement credits and the Delta Stays statement credit worth up to $200, that's $560 per year in savings, which falls only $90 short of my Delta Reserve Amex's $650 annual fee. Enrollment required for select benefits.

When I factor in the card's other benefits, like an annual companion certificate, 15 Delta Sky Club visits per year and free checked bags, I can easily squeeze $650 in value from this card. If you are considering adding a Delta Amex to your wallet, you can get even more value in the first year when you earn the introductory welcome offer.

To learn more, read our full review of the Delta Reserve Amex.

Apply here: Delta SkyMiles Reserve American Express Card

Related: Is the Delta Reserve Amex worth the annual fee?

For rates and fees of the Delta Reserve Amex, click here.
For rates and fees of the Delta Platinum Amex, click here.
For rates and fees of the Delta Platinum Business Amex, click here.
For rates and fees of the Delta Reserve Business Amex, click here.