Credit card benefit guide
How to use Resy credits
Updated July 13, 2026
Quick answer: To use a Resy credit, enroll if required, choose a participating U.S. Resy restaurant, and pay directly with the card that carries the benefit. Confirm the statement credit before that card's period resets. This guide covers 4 cards with a dedicated Resy credit.
Two cards can both advertise a Resy credit and still follow different rules. Check the amount, reset schedule, enrollment requirement, and qualifying restaurants for the card you plan to use.
How to use Resy credits
- 1
Confirm the card and reset schedule
Check the benefit amount and whether it resets monthly, semiannually, or quarterly. Treat each period as use-it-or-lose-it unless the issuer terms say otherwise.
- 2
Enroll when the issuer requires it
Open the card issuer benefit page and enroll before spending if enrollment appears in the current terms.
- 3
Choose a participating U.S. Resy restaurant
Use Resy or RewardSensei TripScope to find a participating restaurant. Some card terms do not require a reservation. The restaurant and payment still need to qualify.
- 4
Pay directly with the eligible card
Use the enrolled card at the restaurant. Third-party delivery, marketplace, and gift-card transactions may code differently and may not trigger a credit.
- 5
Verify the statement credit
Watch the card account for the credit, keep the receipt until it posts, and track the benefit as used before the current period ends.
Which cards include Resy credits?
This guide covers 4 cards with Resy credits.
American Express
Delta SkyMiles Reserve Business Card
$650 annual fee
Resy Credit
Up to $20Up to $20 per month in statement credits for dining at Resy restaurants ($240/year).
American Express
Delta SkyMiles Reserve Card
$650 annual fee
Resy Credit
Up to $20Up to $20 per month in statement credits for dining at Resy restaurants ($240/year).
American Express
American Express Gold Card
$325 annual fee
Resy Credit
Up to $50$50 semi-annually in statement credits at Resy restaurants ($100/year).
American Express
Platinum Card
$895 annual fee
Resy Credit
Up to $100Up to $100 per quarter in statement credits for dining at Resy restaurants ($400/year).
What should you watch for?
Payment path matters
Paying the restaurant directly is safer than relying on a third-party checkout that may not carry an eligible merchant code.
Track every reset separately
A quarterly Platinum credit and a semiannual Gold credit do not share a balance or deadline.
Do not assume gift cards qualify
Gift-card treatment varies by restaurant and issuer. Use that route only when the current card terms explicitly support it.
Frequently asked questions
How do you use a Resy credit?
Enroll when required, make an eligible purchase at a participating U.S. Resy restaurant, and pay directly with the card that includes the benefit. Confirm the statement credit posts before the current benefit period ends.
Which credit cards have Resy credits?
This guide covers 4 cards with a dedicated Resy credit, including American Express Delta SkyMiles Reserve Business Card, American Express Delta SkyMiles Reserve Card, American Express Gold Card, and American Express Platinum Card. Check the issuer terms for the card you hold because enrollment, purchase, and reset rules differ.
Do you need to book through Resy to use a Resy credit?
Some card terms allow an eligible purchase without a Resy reservation. The restaurant and transaction still need to qualify, so check the current issuer terms before paying.
Do unused Resy credits roll over?
They generally do not roll into the next benefit period. Track the exact monthly, semiannual, or quarterly deadline for each card.
Benefit information is educational and may change. Enrollment, merchant coding, purchase eligibility, and reset rules are controlled by the issuer. Verify current terms before relying on a credit.
Keep the next deadline visible
Add your cards and record benefit usage manually on Free. With Pro, the browser extension can import issuer-reported activity for supported cards after you sign in on the issuer website and remind you before eligible benefits reset.
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