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.
Later on, the American Express Platinum Card® tacked up to $400 each calendar year (up to $100 quarterly; enrollment required) in statement credits at U.S. Resy restaurants onto its list of benefits, which helped persuade me to open the card myself.
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.
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.
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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.
Related: How I get this monthly credit on my Delta Amex without even trying
Which cards have Resy statement credits?
Whether you’re considering a card with Resy statement credits or already have a card that includes the benefit, here’s the full list:
*Statement credits are available when you use your card for Resy purchases in the U.S. Enrollment is required.
Related: Credit cards that can get you $1,000 or more in first-year value
How to use the Resy credit on Amex cards
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.
After selecting “Enroll in Benefits” on the front page, I found the $400 Resy credit and enrolled.
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.
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.
As you can see, I earned $100 last quarter, and I have $100 left to earn in the second quarter of 2026.
Related: Best dining credit cards
Bottom line
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.
Apply here: American Express Gold Card
Apply here: American Express Platinum Card
Apply here: Delta SkyMiles Platinum American Express Card
Apply here: Delta SkyMiles Platinum Business American Express Card
Apply here: Delta SkyMiles Reserve American Express Card
Apply here: Delta SkyMiles Reserve Business American Express Card
Stacie Harris is a local resident and reporter of the Maple Grove area. Stacie reports on medicine and science for the Maple Grove Report.
