How I get this monthly credit on my Delta Amex without even trying
Editor’s note: This is a recurring post, regularly updated with new information and offers.
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.
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:
| Card | Delta Stays credit | Resy credit | Ride-hailing credit |
|---|---|---|---|
Up to $150 per calendar year | Up to $10 per month (up to $120 per calendar year) | Up to $10 per month (up to $120 per calendar year) | |
Up to $200 per calendar year | Up to $10 per month (up to $120 per calendar year) | Up to $10 per month (up to $120 per calendar year) | |
Up to $200 per calendar year | Up to $20 per month (up to $240 per calendar year) | Up to $10 per month (up to $120 per calendar year) | |
Up to $250 per calendar year | Up to $20 per month (up to $240 per calendar year) | Up to $10 per month (up to $120 per calendar year) | |
Not eligible, but the Amex Gold does have other dining and hotel credits | Up to $50 biannually (up to $100 per year) | Up to $10 in Uber Cash per month (up to $120 per year in the U.S. You must add the card as a payment method in Uber app and can redeem with any Amex card) |
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.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.