How To Use and Maximize the Resy Credit on Select American Express Credit Cards

American Express is known for offering a ton of different statement credits on its cards. Some are popular and easy to use, like the airline incidentals fee credit offered by the The Platinum Card® from American Express. Others are less popular, which means you might not even realize you have them available to you.

One such credit is the Resy credit, which is available on several credit cards issued by American Express. Unfortunately, this is one credit that I forget about year after year. I’ve left hundreds of dollars on the table, all because it slips my mind as I’m not a frequent Resy user.

Here’s everything you need to know about the Resy credit offered by select American Express cards, including how to maximize it (and not forget about it).

What Is Resy?

Resy is a platform that allows you to make restaurant reservations, similar to OpenTable. It was acquired by American Express in 2019, which is likely why several American Express cards offer Resy statement credits.

However, it’s more than just a booking platform. Resy has made a name for itself in the culinary industry, offering insights into the best restaurants in cities throughout the U.S. with The Hit List, and even helps diners gain access to hard-to-get reservations.

What Is the Amex Resy Credit?

Several American Express-issued credit cards offer a statement credit on Resy purchases. Just like any other credit, when you meet the minimum spending and purchase requirements, you’ll receive a statement credit on your account.

American Express® Gold Resy Credit

As a cardholder of the American Express® Gold Card, you can get up to $100 in statement credits each calendar year at U.S. Resy restaurants. It’s split into two semi-annual statement credits: $50 January through June and another $50 July through December.

Plus, you’ll earn 4X points per $1 spent at restaurants worldwide, up to $50,000 in purchases each calendar year.

American Express® Gold Card

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American Express® Gold Card

(4.48) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:

$325 (Rates and fees)

☝ Increased Offer

You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 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. Find out your offer. Terms apply.

• You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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.
• New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
• Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
• Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
• Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
• Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
• Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
• $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
• $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
• New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
• Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
• Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

• You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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.
• New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
• Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
• Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
• Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
• Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
• Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
• $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
• $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
• New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
• Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
• Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Pros

• For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
• Although the annual fee seems high, you can actually come out ahead by using available monthly statement credits
• Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service

Cons

• The annual fee of $325, despite the statement credits that can offset it, is steep for some
• Bonus categories are limited to just three
• Car rental CDW coverage is secondary to your own auto insurance

Annual Fee: $325 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren’t ideal, they can transfer to Marriott and Hilton as well. 

ANA provides almost unbeatable value for booking a Round the World flight all in Business Class.

The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents.

We’ve also created a Guide to American Express Membership Rewards.

Point Value:

$0.017

• 4x

  Supermarkets

  
  4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)
• 4x

  Dining Out / Food Delivery

  
  At restaurants worldwide (up to $50,000 a year; 1X thereafter)
• 3x

  Airfare

  
  Booked directly with the airline or via AmexTravel.com
• 1x-5x

  Hotels

  
  5X Membership Rewards® points only on prepaid hotels booked through AmexTravel.com or Amex Travel App™
• 1x-2x

  Car Rentals

  
  2X Membership Rewards® points only on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
• 1x-2x

  Cruises

  
  2X Membership Rewards® points only on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
• 1x

  All Other Eligible Purchases

Delta Resy Credit

With the Delta SkyMiles® Platinum American Express Card, you can earn up to $120 in Resy statement credits each year, split into $10 monthly credits. The Delta SkyMiles® Reserve American Express Card doubles this — up to $240 in annual Resy credits, split into $20 monthly increments.

Luckily, you can also earn Resy credits on the business versions of these two cards. That isn’t the case for the Membership Rewards-earning cards.

The Delta credits are a bit more challenging to use than the ones offered by other Amex cards, as you have to maximize it each month to earn your credits. Plus, since you can only get $10 to $20 per month, odds are you will spend more out of pocket on your meal.

Delta SkyMiles® Reserve American Express Card

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Delta SkyMiles® Reserve American Express Card

(3.68) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:

$650 (Rates and fees)

⌛ Limited Time Offer

Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 07/15/2026. Terms apply.

• Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 07/15/2026.
• Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
• Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
• Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• $240 Resy Credit: Earn up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
• Global Dining Access by Resy gives you special access to participating U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
• $120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
• Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
• Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $650 Annual Fee.
• Terms Apply.

• Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 07/15/2026.
• Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
• Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
• Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
• Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
• $240 Resy Credit: Earn up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
• Global Dining Access by Resy gives you special access to participating U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
• $120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
• Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
• Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $650 Annual Fee.
• Terms Apply.

Pros

• Enter the Delta Sky Club® before or after your Delta flights
• Earn $1 MQD for every $10 spent on the card (eligible purchases)
• Advantageous perks for Delta frequent flyers, such as a free checked bag (two if traveling domestically) and upgrade priority

Cons

• $650 annual fee is steep, no matter how you slice or dice it
• Earning rate is limited to 3x miles on Delta purchases and 1x miles on all other eligible purchases
• Requires a significant amount of annual card spend to reach significant MQDs

Annual Fee: $650 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

Point Value:

$0.012

APR: 19.49%-28.49% (Variable)

• 1x-3x

  Airfare

  
  3X only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar
• 1x

  All Other Eligible Purchases

Amex Platinum Resy Credit

The American Express Platinum Card® offers the most lucrative Resy credit of any other Amex card. You can earn up to $100 in statement credits each quarter, totaling $400 annually.

In addition, Platinum Card holders receive Global Dining Access by Resy. With this, you can receive exclusive reservations, priority notifications when a table becomes available, early access to special experiences, and universal status within Amex and Resy partner restaurants.

The Platinum Card® from American Express

How to apply Card Details

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The Platinum Card® from American Express

(4.33) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:

$895 (Rates and fees)

🎁 Bonus offer

As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 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. Terms apply.

• You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 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.
• Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
• $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

• You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 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.
• Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
• $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Pros

• A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
• There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
• One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).

Cons

• High annual fee that will require a bit of work to fully maximize.
• Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
• Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.

Annual Fee: $895 (Rates and fees)

Foreign Transaction Fee: 0%

Min Credit Score: Good *

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren’t ideal, they can transfer to Marriott and Hilton as well. 

ANA provides almost unbeatable value for booking a Round the World flight all in Business Class.

The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents.

We’ve also created a Guide to American Express Membership Rewards.

Point Value:

$0.017

• 5x

  Airfare

  
  Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
• 1x-5x

  Hotels

  
  Earn 5X only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent
• 1x

  All Other Eligible Purchases

How To Use the Amex Resy Credit

If you’re a full-time traveler like me, the Resy credit is a bit difficult to maximize. You can’t use your credit to buy a Resy gift card, so you have to use it at a U.S. Resy restaurant. This is incredibly easy for most people, assuming you live in a city that offers a wide selection of Resy restaurants. Unfortunately for me, it can’t be used outside of the U.S.

However, it’s generally very easy to use your Amex Resy credit. First, you’ll need to enroll in the benefit by logging into your credit card account and following the instructions on your benefit dashboard. Then, you’ll pay for your meal at a U.S. Resy restaurant or make other eligible purchases to receive the credit. It will post to your account within 8 weeks from the purchase, but it will likely post much faster.

According to Resy:

“Eligible Resy purchases include purchases at U.S. restaurants that accept American Express and offer reservations on Resy.com and the Resy app, purchases made directly on Resy and purchases made via Resy Pay.

Keep in mind: Restaurants must be live on Resy.com or the Resy app at time of purchase to qualify for the statement credit. This status is subject to change at any time.”

How to find a Resy restaurant

To find a Resy restaurant, simply go to Resy.com and enter your city. Then, you can filter through available Resy restaurants for your desired dates. You can make a reservation, but this isn’t required to get the credit. As long as your restaurant is on Resy and you pay for your meal with your card, you are eligible to receive the credit.

Smaller cities, like where I’m from, might not have a ton of different options. However, you can likely find at least one or two restaurants you’re interested in dining at to redeem your credit.

Bottom Line

If you want to go out to eat but you also want to save money, the opportunity to earn a statement credit on dining purchases is fantastic. Depending on your card, you can get up to $400 per year back on Resy purchases. At some restaurants, you could cover the cost of your entire meal with your credit.

Just make sure the restaurant is live on Resy whenever you make your purchase. And if you’re like me and you have a hard time keeping track of your credits, make your restaurant reservations well in advance and add them to your calendar. And confirm whether the credit is offered monthly, quaterly, or semi-annually.

Harrison Pierce

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