By How it works
Enroll in your Amex account first (it can take up to 24 hours). Then pay at a U.S. restaurant or other food and drink spot marked as eligible on Resy.
You don't have to book through Resy. Paying the restaurant directly counts, and so do purchases on Resy, Resy Pay and, since September 15, 2026, prepaid reservations and deposits on Tock for U.S. venues.
Amounts differ by card: $100 a quarter on the Platinum, $50 each half-year on the Gold, $20 a month on the Delta Reserve cards and $10 a month on the Delta Platinum cards.
Charges on additional cards count, but each account has one limit per period.
What it looks like when it works
- The restaurant's charge, then a separate statement credit from Amex, up to your card's limit for the period.
- Before you go: an eligible venue's page on Resy says "Qualifies for Resy Credit".
How long it takes
Usually within a few days of the charge. Amex allows up to 8 weeks.
Why it didn’t post
A venue must show as eligible on its Resy or Tock page at the time you pay, and that can change. Look for "Qualifies for Resy Credit" on its Resy page before you go.
Enrollment is required and can take up to 24 hours. Enroll in the Benefits section of your Amex account, then wait a day before you dine.
Restaurants inside a hotel, department store or food hall may not be recognized, even when they're on Resy.
Delivery services, third-party payment apps or websites, loyalty programs, and restaurants that use an outside processor or handheld card reader may not trigger the credit.
Gift cards, Resy-branded merchandise, catering and delivery orders don't count, or may not.
The limit is per account, so a meal on an additional card counts against it.
Amex uses the date the restaurant processes the charge. A meal at the end of a month, quarter or half-year can count toward the next one.
Only U.S. venues that accept American Express qualify.
What doesn’t count
- Restaurants not marked eligible on Resy or Tock when you pay
- Restaurants outside the U.S.
- Gift cards, including Resy-branded Amex gift cards
- Resy-branded merchandise and Resy's restaurant software
- Delivery and catering orders
- Purchases through third-party apps, websites, payment platforms or loyalty programs
- Restaurants inside hotels, department stores or food halls (often not recognized)
Still missing? Do this
- Check the Benefits section of your Amex account to confirm you're enrolled.
- Open the restaurant on Resy and check that it says "Qualifies for Resy Credit".
- Check that you paid the restaurant directly with a card on the enrolled account, not through a delivery or payment app.
- Wait a few days. Amex allows up to 8 weeks.
- After that, call the number on the back of your card or chat with Amex. Name the Resy Credit and give the restaurant, date and amount.
Cards with this credit
- Amex Platinum American Express
Up to $100 a quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), $400 a year. - Amex Gold American Express
Up to $50 from January to June and $50 from July to December. Classic, Traditional and Senior Gold cards aren't eligible. - Delta SkyMiles Reserve Delta · American Express
Up to $20 a month, $240 a year. - Delta SkyMiles Platinum Delta · American Express
Up to $10 a month, $120 a year. - Platinum for Charles Schwab Charles Schwab · American Express
Same as the Platinum: up to $100 a quarter. - Platinum for Morgan Stanley Morgan Stanley · American Express
Same as the Platinum: up to $100 a quarter. - Delta SkyMiles Reserve Business Delta · American Express
Up to $20 a month, $240 a year. - Delta SkyMiles Platinum Business Delta · American Express
Up to $10 a month, $120 a year.
Questions people ask
Do I have to book on Resy?
No. Paying an eligible restaurant directly with your card counts, even without a reservation.
Do Tock reservations count?
Since September 15, 2026, prepaid reservations and deposits made on Tock for U.S. venues count.
Is the Resy credit the same on every card?
No. Platinum: $100 a quarter. Gold: $50 from January to June and $50 from July to December. Delta Reserve and Reserve Business: $20 a month. Delta Platinum and Platinum Business: $10 a month.
Do my authorized users' meals count?
Yes. Purchases on additional cards count toward the same limit for the account.
Check a whole statement at once. Premium Finance, our free app, reads the statement PDF or CSV you download from your bank (on your phone, nothing is uploaded) and shows which credits posted, then reminds you before the rest run out. Open the app or try it with a sample wallet.
From the bank’s and partner’s own terms and help pages, checked Oct 25, 2026. Benefits change; the bank’s current terms decide. Spot something out of date? Tell us.