American Express is making a major change to its popular Resy dining credits for Platinum and Gold cardholders. Beginning August 1, 2026, only restaurants marked as eligible on Resy at the time of purchase will qualify for the monthly dining credits—potentially limiting where you can use up to $360 in annual statement credits.
What Changed
- Eligibility restriction: Starting August 1, 2026, only restaurants labeled as eligible on Resy at the time of purchase will trigger the Amex Platinum and Gold Resy dining credits
- Previous rule: Credits applied at a broader range of Resy-booked restaurants, even if not specifically marked eligible
- Cards affected: Amex Platinum ($15/month, $35 in December) and Amex Gold ($10/month) Resy dining credits
Who Benefits Most
- Urban foodies who frequent top Resy-partnered restaurants: If you regularly dine at high-end or popular spots that remain eligible, you’ll still easily use your monthly credits—e.g., $180/year on Gold or $360/year on Platinum
- Platinum and Gold cardholders in major cities: Cities like New York, LA, and Chicago have a dense network of Resy-eligible restaurants, making it easier to maximize credits
- Planners who book in advance: If you check Resy eligibility before dining, you can still capture the full value—$10/month on Gold = $120/year, $15/month on Platinum = $200/year, plus $35 in December
- Existing Resy power users: If you already use Resy exclusively, your redemption experience may not change at all
Who Should Be Cautious
- Cardholders in smaller cities or suburbs: If your area has few or no Resy-eligible restaurants, you may struggle to use the credits—potentially losing $120–$360 in annual value
- Last-minute diners: If you don’t check Resy eligibility before paying, you risk missing out on the credits
- Travelers relying on credits abroad: Resy’s international footprint is limited, so using credits while traveling outside the US may be difficult
What To Do Right Now
- Check your local Resy listings: Search for eligible restaurants in your city—filter for those marked as eligible for Amex credits
- Plan your July dining: Use any remaining credits under the old rules before August 1, 2026
- Bookmark your favorites: Make a list of Resy-eligible spots you enjoy to avoid scrambling each month
- Set a calendar reminder: Mark August 1 as the date the new restriction starts so you don’t miss out
- Consider card value: If you can’t reliably use the credits, evaluate whether the annual fee on your Amex Platinum or Gold still makes sense
