American Express is making a major change to its popular Resy dining credits: starting immediately, only select restaurants will qualify for the statement credits on the Amex Platinum and Gold cards. This move significantly reduces the flexibility and value of these credits for many cardholders.
What Changed
- Resy dining credit eligibility: Previously, the monthly/annual Resy dining credits on Amex Platinum ($15/month) and Amex Gold ($10/month) could be used at any Resy-partnered restaurant in the U.S.
- New restriction: Now, only a list of 'select' restaurants will qualify for the credit. The full list is available on the Amex or Resy website and is subject to change.
- Effective date: The change is already reflected in recent statements (June 2026).
Who Benefits Most
- Urban foodies in major cities: If you live in New York, LA, Chicago, or San Francisco, most of your favorite trendy spots may still be on the 'select' list. For example, using the $15/month Platinum credit at a participating NYC restaurant still yields $180/year in value.
- Existing fans of Resy-partnered chains: If you regularly dine at chains like Shake Shack or Sweetgreen (if included), you can still max out the credit without changing habits.
- Platinum or Gold cardholders who already frequent select restaurants: If your go-to spots remain eligible, your annual savings ($120 for Gold, $180 for Platinum) are unaffected.
Who Should Be Cautious
- Cardholders in smaller cities or rural areas: If no 'select' restaurants are nearby, your credits may go unused, effectively reducing your card's value by $120–$180/year.
- Travelers who used the credit flexibly: If you relied on the credit during trips or at a wide variety of places, your redemption options are now much narrower.
- Anyone who valued the credit for takeout/delivery at non-participating spots: You'll lose out if your favorite local or delivery-only restaurants aren't on the new list.
What To Do Right Now
- Check the new 'select' restaurant list: Visit the Amex or Resy website to see which locations are still eligible for the credit.
- Plan your dining accordingly: If your usual spots are no longer included, consider shifting your dining to eligible restaurants to maximize the credit.
- Evaluate your card's value: If you can't use the credit, reconsider whether the annual fee is still worth it for you.
- Redeem any unused credits ASAP: If you have unused credits from previous months, use them at eligible restaurants before they expire.
