American Express has announced a significant change to its popular Resy dining credits for Platinum and Gold cardholders: going forward, these credits will only be valid at select restaurants, rather than any Resy-partnered venue. This move sharply reduces the flexibility and value of the benefit for many users, especially those in smaller cities or with specific dining preferences.
Our Take
Bad news for urban foodies and travelers. Restricting the Resy credit to select restaurants is a clear devaluation for Amex Platinum and Gold cardholders who previously enjoyed broad dining flexibility. This change especially hurts those who valued the credit for spontaneous dining or for supporting local favorites not on the new list.
What Changed
- Resy dining credits on Amex Platinum and Gold cards are now restricted to select restaurants (previously usable at any Resy-partnered venue).
- Applies to both new and existing cardholders.
- Effective immediately, according to statements appearing on cardholder accounts.
Who Benefits Most
- Cardholders in major cities with a high concentration of 'select' restaurants: If you live in New York, LA, or Chicago, you may still have plenty of eligible options.
- Frequent diners at high-end or flagship Resy partners: If your favorites made the cut, your routine may be unaffected.
- Travelers who plan ahead: If you can check the eligible list before booking, you can still maximize the credit.
- Platinum and Gold cardholders who already focus on top-tier restaurants: If you use the credit for special occasions at select venues, the impact is less severe.
Who Should Be Cautious
- Cardholders in smaller cities or rural areas: If your local favorites are no longer eligible, your annual credit value could drop to zero.
- Spontaneous diners: The need to check eligibility before every meal adds friction and reduces the appeal of the benefit.
- Travelers who relied on the credit for flexibility: If you used the Resy credit as a backup for last-minute plans, this change is a downgrade.
What To Do Right Now
- Check the new list of eligible restaurants for your city or travel destinations before making reservations.
- Adjust your dining plans to ensure you can still use the credit—otherwise, consider reallocating spend to other cards.
- Track your monthly credits to avoid missing out due to the new restrictions.
- Evaluate the ongoing value of your Amex Platinum or Gold card in light of this change—if the credit was a major reason for keeping the card, reconsider your strategy.
