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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Don’t overlook Resy: How to maximize dining experiences and save money with this Amex benefit
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
May 21, 2026 • 7 min read
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Quick summary
Resy is a dining reservation platform that partners with over 25,000 restaurants across the U.S., making it widely accessible in both large and smaller cities.
Certain premium cards offer statement credits for purchases at U.S. Resy-affiliated restaurants, which can be used for dining in, takeout or even gift cards, with enrollment required.
The Resy statement credit is straightforward to use, requiring only enrollment and eligible purchases at participating restaurants, with credits typically posting within days.
No reservation or Resy profile is needed to qualify for the credit, and there is no minimum purchase amount to trigger the benefit.
What to consider
Enrollment is required to activate the Resy statement credit benefit on eligible cards.
Credits are only available for purchases at U.S. restaurants that partner with Resy; international locations and non-partner venues do not qualify.
Tracking usage is simple through the card account's benefits section, helping cardholders avoid missing out on available credits.
What you'll miss from the article
Detailed examples and tips on maximizing the Resy statement credit, including how to use it for gift cards and takeout, and how TPG staffers leverage the benefit in different cities.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
I'll be the first to admit that many premium cards have gone overboard with the statement credits. Paying a sky-high annual fee to save money on certain purchases hasn't always made sense to me. You have to stay organized, or you may wind up losing out on value.
It can be a lot for busy folks to manage.
However, one benefit of many American Express cards has completely won me over since its rollout: the easy-to-use and supremely valuable Resy statement credit.
I've sung Resy's praises since statement credits of up to $100 each calendar year at U.S. Resy restaurants (up to $50 biannually; enrollment required) were added to my American Express® Gold Card in 2024.
With a statement credit this simple and valuable, it's worth taking a deeper look. Here's what you need to know to save money on your next meal out.
What is Resy?
Resy is a dining reservation platform owned by American Express. It functions similarly to OpenTable, allowing users to make reservations at various popular dining spots.
Resy flashed onto the radar of many Amex cardmembers when statement credits for purchases at Resy restaurants were added as a benefit to certain cards in the Delta Amex suite.
THOMAS BARWICK/GETTY IMAGES
Resy partners with over 25,000 venues. Anecdotally, I've found Resy restaurants are easy to find in multiple areas of the country, so I think it's worth searching Resy's website or app for your city (or a nearby one) to see what's available near you.
As a resident of Greenville, South Carolina, I was impressed by the number of options in my medium-size city. This extends to other smaller cities as well, such as Jacksonville, Florida, and Rochester, New York.
The Resy statement credit truly couldn't be much easier to use.
All you have to do is log into your American Express account, navigate to your benefits page and enroll in the Resy statement credit.
Here's an example of how I navigated to the statement credit for my Amex Platinum.
AMERICAN EXPRESS
After selecting "Enroll in Benefits" on the front page, I found the $400 Resy credit and enrolled.
AMERICAN EXPRESS
Once you're enrolled, you'll receive a statement credit any time you make a purchase on your eligible card at a U.S. restaurant affiliated with Resy. Many TPG staffers report that the statement credit appears on their statements within days of purchase.
I received my Amex Platinum just days before my quarterly statement credits reset, which meant I had only a few days to spend $100 to maximize this benefit.
I searched the Resy platform to find a restaurant my parents would enjoy for a night out in Chattanooga, Tennessee, near my hometown. I found a restaurant they love and bought an online gift card for them.
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The statement credit was processed as soon as the charge was posted to my account. I didn't even set foot in the restaurant.
I'll dive into some frequently asked questions soon, but for a quick rundown:
You don't have to make a reservation at the restaurant.
You don't need a Resy profile.
There isn't any minimum spending requirement to trigger the statement credit.
You can use the statement credit for gift cards or takeout orders made directly with the restaurant.
How our team maximizes Resy statement credits
I'm not the only TPG staffer who loves to use this statement credit to save money while dining out. Here are some examples of how our team has maximized the Resy statement credit on their American Express cards:
Tentpoles managing editor Madison Blancaflor said she uses Resy to book probably half of her dinner reservations across New York City; since she has her Amex Gold set as her default payment method in her Resy account, she doesn't even have to think about using her Resy statement credit** regularly throughout the year.
Partnerships director Sophia Fen used her Amex Platinum's Resy statement credit** at Qi Austin to celebrate the Lunar New Year in February.
Email marketing director Zach Goldman used his Resy statement credit** on a gift card for Rubirosa, a pizza restaurant in New York City.
Credit cards managing editor Giselle Gomez used her Amex Platinum's Resy statement credit** at RPM Italian in Washington, D.C. last April.
Credit cards editor Olivia Mittak used her Amex Platinum's Resy statement credit** to cover 80% of the cost for dinner for herself and two friends at Mother's Bistro in Portland, Oregon.
**Statement credits are available when you use your card for Resy purchases in the U.S. Enrollment is required.
It's easy to track your progress with the Resy statement credit to ensure you aren't forgetting to use it.
Visit your Amex account and navigate to the "Rewards & Benefits" tab. From there, scroll to "View All Benefit Activity" and find your Resy statement credit.
AMERICAN EXPRESS
As you can see, I earned $100 last quarter, and I have $100 left to earn in the second quarter of 2026.
With premium cards constantly adding more statement credits, it can be overwhelming to maximize them all. I'm particularly fond of the Resy statement credit on eligible American Express cards because it's simple and easy to use amid a sea of complex benefits.
With so many ways to use it, the Resy statement credit should be at the forefront of cardmembers' minds. It's certainly at the center of mine.
