Your Q2 Resy credit expires June 30. That’s 9 days from now. And on July 1, a fresh $100 resets for Q3. Here’s exactly what you need to know to use every dollar of both credits.
How the Resy Credit Works
The Amex Platinum Card includes a $100 Resy dining credit every quarter, totaling $400 per year. The quarters follow the calendar year:
- Q1: January 1 through March 31
- Q2: April 1 through June 30
- Q3: July 1 through September 30
- Q4: October 1 through December 31
The credit applies at any U.S. restaurant on the Resy platform. You don’t need to book through Resy to get the credit: walk-ins and phone reservations both qualify. What matters is that you pay with your Amex Platinum Card. The credit can be split across multiple visits, so two $50 dinners across the quarter count exactly the same as one $100 meal.
One requirement that trips up new cardholders: you must enroll once through the Amex benefits portal before the credit activates. If you have never done this, log in at americanexpress.com/benefits, find the Resy credit, and click Enroll. You only do this once, and it stays active going forward.
Q3 2026 Timing: What to Do Right Now
If you have any Q2 credit remaining, use it before June 30. Unused credit does not roll over.
Starting July 1, your Q3 $100 resets. You have until September 30 to spend it. That sounds like plenty of time, but most people hit October and realize they left money unused. Booking something specific in early July is the most reliable way to actually use the credit.
The Q3 window matters more than usual this year because of a rule change taking effect August 1.
The August 1 Restriction: What’s Changing
Starting August 1, 2026, Amex is narrowing which restaurants qualify for the Resy credit. Only restaurants explicitly flagged as eligible inside the Resy app will trigger the statement credit going forward.
During July 1 through July 31, the current rules still apply: any restaurant bookable on the Resy platform qualifies. That’s a 31-day window with the broadest possible eligibility.
After August 1, check the Resy app before you dine. The eligibility indicator appears on each restaurant’s listing. Restaurants without the flag won’t trigger the credit even if they’re bookable on Resy.
Practically speaking, July is the ideal month to use the credit at a restaurant you’ve been considering, especially if you’re unsure whether it will carry the eligible flag come August.
Step-by-Step: How to Use the Credit
- Enroll (once): Go to americanexpress.com/benefits and activate the Resy dining benefit. Skip this step if you’ve already enrolled.
- Find a qualifying restaurant: Open the Resy app and search for restaurants near you. Any U.S. restaurant bookable on Resy qualifies through July 31. Starting August 1, look for the eligibility flag on each listing.
- Reserve or walk in: Book through Resy, call the restaurant, or walk in. The reservation method doesn’t affect the credit.
- Pay with your Amex Platinum: This is the only hard requirement. The credit won’t apply if you use another card or a digital wallet linked to a different card.
- Check your statement: The statement credit typically appears within 1 to 5 business days, labeled as a Resy credit on your Amex account.
You can split the $100 across as many visits as you like within the quarter. There is no minimum transaction size.
The Gift Card Strategy
One popular approach: buy a $100 gift card at a Resy-eligible restaurant on July 1. This lets you bank the full Q3 credit immediately, then use the gift card at your leisure throughout the quarter.
This has worked for many cardholders because you’re charging $100 to your Amex Platinum at a qualifying restaurant. That said, gift card eligibility for statement credits can change. Before doing this, check the current Amex terms or call the number on the back of your card to confirm gift card purchases will trigger the credit for your account.
If confirmed, this approach is clean: spend $100 on July 1, get $100 back on your statement, and redeem the gift card whenever you actually want to dine there.
Amex Gold Resy Credit: A Different Benefit on a Different Card
The Amex Gold Card also has a Resy credit, but it’s structured differently. The Gold’s Resy benefit is $100 per semi-annual period, not per quarter, and it applies to a different card entirely.
If you carry both cards, don’t conflate the two. The Platinum’s $100 quarterly credit and the Gold’s $100 semi-annual credit are separate benefits on separate cards, each with their own enrollment, tracking, and statement credits. Paying with your Gold Card won’t trigger the Platinum credit, and vice versa.
Is the $895 Annual Fee Worth It?
The Platinum’s annual fee rose to $895 at renewal on or after January 2, 2026. The Resy credit alone covers $400 of it if you use all four quarterly credits. Stack in the $600 Fine Hotels + Resorts credit, $300 Equinox, $300 Lululemon, $200 Oura Ring, $200 airline fee credit, $189 CLEAR Plus, $120 Uber One, 5x on flights booked directly with airlines or through Amex Travel (up to $500K/year), and Global Lounge Collection access, and the math can work out well for frequent travelers.
Whether it works for your situation depends on how many of those credits you’ll realistically use. For a deeper breakdown, see our full Amex Platinum worth-it analysis for 2026.
Bottom Line
Use any remaining Q2 credit before June 30, then start fresh with $100 on July 1. July is the best month to use Q3 credit while the eligibility rules are still broad. After August 1, check the Resy app to confirm a restaurant carries the eligible flag before dining.
Frequently Asked Questions
Q: Do I need to book through Resy to get the credit?
A: No. Walk-ins and phone reservations both qualify. The only requirement is that the restaurant is on the Resy platform and you pay with your Amex Platinum Card.
Q: What happens if I don’t use the $100 in Q3?
A: It disappears. Unused quarterly credit resets to $0 on October 1. There’s no carryover between quarters, and no way to recover unused credit after the quarter ends.
Q: Can I use the Resy credit for takeout?
A: The credit is designed for in-restaurant dining. Takeout orders placed directly with a Resy-listed restaurant and paid with your Amex Platinum have triggered the credit for some cardholders, but Amex’s stated terms focus on dining purchases. When in doubt, call the number on the back of your card to confirm.
Q: How is this different from other dining credits on the Amex Platinum?
A: The Resy credit ($100/quarter, $400/year) is a standalone dining benefit applying specifically to eligible U.S. restaurants on the Resy platform. Always confirm current benefits at americanexpress.com, since the Platinum’s benefit suite changes periodically.