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Several credit cards feature statement credits for restaurant reservations and payment platform Resy — and the perk is easier to use than you might imagine.
(Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.)
American Express Resy Credits
Five American Express cards offer members statement credit when they use their eligible card to pay their checks at U.S. restaurants participating in the Resy program or make other Resy purchases. (Enrollment is required and terms apply.)
- American Express® Gold Card:
- Up to $100 Resy Credit each year: Earn up to $50 in statement credit from January through June and up to $50 from July through December
- Delta SkyMiles® Reserve American Express Card
- Earn up to $240 each calendar year (up to $20 per calendar month)
- Delta SkyMiles® Platinum American Express Card
- Earn up to $120 each calendar year (up to $10 per calendar month)
- Delta SkyMiles® Reserve Business American Express Card
- Earn up to $240 each calendar year (up to $20 per calendar month)
- Delta SkyMiles® Platinum Business American Express Card
- Earn up to $120 each calendar year (up to $10 per calendar month)
How to Use the Amex Resy Credits
Unlike platforms such as InKind (which we still like and use), you don’t need to pay with the Resy app. All you have to do is make sure to activate the feature in your Amex card’s account and use that card to pay your tab.
Visit Resy’s website or use their mobile app to find participating restaurants nearby.
I took my wife and daughter to Marmalade Cafe in Calabasas, California. That’s a participating Resy restaurant. I split the bill using my Delta Reserve Business Amex‘s monthly $20 credit and my Amex Gold Card‘s semi-annual $50 credit.
Our total (including tax and gratuity) came to $98.21. We normally don’t splurge like that. But we decided to treat ourselves because we had Resy credits to burn. (Though we didn’t need to spend all $20 and $50, respectively in one shot.)
Paying $28.21 out of pocket for a big lunch was certainly worth it! I also earned 312 Membership Rewards points on my Amex Gold because that awards 4X points at restaurants worldwide (on up to $50,000 per calendar year in purchases, then 1X. Includes takeout and delivery in the U.S.)! And I earned 21 SkyMiles. Yay.
The statement credits usually take several days to show up on your account but will post for the date you made the purchase. (Keep that in mind if you’re chasing minimum spending requirements for a welcome offer, earning MQD, etc.)
Thoughts on the Resy Credit Feature
I like that there aren’t many hoops to jump through if you want to use the Resy credits. You simply pay with your enrolled card. You can also split a check across multiple cards that feature Resy credits.
But as I’ve written before, Resy’s footprint isn’t exactly impressive. My parents live in Fargo, North Dakota, and the closest Resy restaurant is probably in Minneapolis — 225 miles away. Even the Twin Cities aren’t exactly flourishing with Resy places throughout the metro area.
Some major cities have Resy restaurants scattered throughout — and that means a drive just to use the credit. But depending on your taste and budget, it might be worth it.
What do you think about the Amex Resy credits? Have you used them?
For rates and fees of the American Express® Gold Card, please visit this link.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, please visit this link.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this link.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, please visit this link.
For rates and fees of Delta SkyMiles® Platinum Business American Express Card, please visit this link.
Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc., is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of the links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases or successful applications made during shopping sessions or signups initiated from clicking those links.
Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Amex Gold is already my go-to for restaurant spend, and I live outside of a big city with lots of Resy restaurants. I can just organically spend money at restaurants and eventually one of them will be a Resy one.
I get it every month! One of the easiest credits to get for me.
We don’t have many Resy-participating restaurants in our town but I buy a gift card each month (online) to one of them. I plan to redeem them all for a special dinner.
We have 5 cards that get the Resy credit for a total of $80 a month. Rather than dining and splitting the ticket we take all 5 to a particpating restraunt and buy 1 $80 gift card and split the payment. We can then dine when we want or we have also given the cards away as employee incentives. It is easy at these resturants to spend the entire amount for 2-3 people so it has worked great. We have had no issues getting the credit even though we are buying gift cards.
Did you make a Resy reservation at the restaurant to purchase gift cards so that the Resy credits were applied? How does Delta know to apply the credits if not?
Thanks
No, just walked in and bought the card. Amex dosen’t care if you have a reservation or not, just that they are on the Resy list.
Thanks. My wife and I have 3 cards between us so we have been making 2 reservations for the same time and then canceling one when we get to the restaurant. We then split the bill between the cards to get credit.
Gift cards are a lot easier and can then maximize one visit to cover multiple months credits to cover the whole charge.
Amex Gold Resy credit was pretty easy to use.
I just moved to western NY and been taking day trips to museums and other places of interest. Found a Resy restaurant nearby the Erie Naval Park had had a pretty big lunch and just put the rest down as a tip so it would equal $50.
There seems to be plenty of restaurants in the area and apparently it works with takeout too, so I’ll have to try that once the credit resets in January.
This is a useless perk for (observant) Jewish customers that don’t live in New York. There are no restaurants in the program that I can eat in (ie kosher} anywhere close to Washington DC. For a year they used to give a monthly credit for any restaurant spending up to a limit. That was a worthwhile perk.
Many of these credit card perks, like Uber and Resy, are only applicable to those who live in big cities. People in small towns don’t use or even have Uber, and restaurants don’t participate in programs like Resy.
Like Christine, I have just two local, but upscale, restaurants that participate. I just by a gift card each month and then dine at our convenience. I don’t worry about the gold card benefit because it is my go to card for dining and I like the random email telling me I earned Resy credit while traveling.
To use Resy, do you have to make a reservation using the app in Internet? Or can you just walk in, eat, and pay with the “Resy” Delta card?
Just use the Resy card. Make sure to activate the benefit in your Amex account.
I live in the Midwest so very few options for me to use this credit, even if I bought a gift card. Those restaurants are several hundred miles away from me. I try to seek out those restaurants when I travel but I have not been able to use this benefit to date.
This benefit is for big cities. One town I live in has 4 restaurants. The other has 0.