Dining credits, explained
Several premium cards now bundle an annual dining credit that rebates spending at participating restaurants. They're some of the easiest credits to use — everyone eats out — but they expire in increments, so an unused month is money lost. The catch is knowing which restaurants qualify, which our Resy & OpenTable directory and restaurant finder solve.
The Amex Platinum $400 Resy credit
The Amex Platinum carries up to $400 per year in Resy statement credits — historically split into semi-annual $100 increments (January–June and July–December). It applies at U.S. restaurants that accept reservations or payment through Resy, plus Resy's own events.
Because Resy powers thousands of restaurants, the credit is easy to trigger: book and pay at any qualifying spot. The hard part is remembering to use each increment before it expires — browse your city on the dining directory to line up reservations.
The Amex Gold $100 Resy credit (and $120 dining credit)
The Amex Gold pairs a $100 annual Resy credit (in $50 semi-annual increments) with a separate $120 dining credit at select partners like Grubhub, The Cheesecake Factory, Goldbelly and more. The Gold is built around eating out — it also earns 4x Membership Rewards at restaurants worldwide.
The Chase Sapphire Reserve dining credit
The Sapphire Reserve includes an annual dining credit usable through its OpenTable-powered Sapphire Reserve Dining collection — a curated set of restaurants (a smaller network than Resy, but with standout spots). Reserve holders also get complimentary OpenTable VIP status.
Our restaurant finder tags OpenTable restaurants for the Sapphire Reserve credit and Resy restaurants for the Amex credits, so you always know which card to pay with.
How to never waste a dining credit
- Know your increments. Most credits reset monthly or semi-annually and don't roll over. Set a calendar reminder for each window.
- Match the restaurant to the card. Pay Amex at Resy spots, Chase at OpenTable spots. Our finder colour-codes both.
- Plan around travel. Heading out of town? Search your destination city in advance and book dining-credit restaurants there.
- Track it. Add your cards to the free Card Tracker and see every dining credit you hold in one place.
Ready to put this to work?
Find dining-credit restaurants near youFrequently asked questions
Do Amex dining credits roll over if I don’t use them?
No. The Platinum and Gold Resy credits post in semi-annual increments that expire — an unused period is gone. Plan a meal in each window so none goes to waste.
Which restaurants take the Amex Platinum Resy credit?
Any U.S. restaurant that books or takes payment through Resy qualifies. Browse participating restaurants by city in our Resy directory, or search near you on the restaurant finder.
Can I use the Sapphire Reserve dining credit anywhere?
The Sapphire Reserve dining credit works through its OpenTable-powered Sapphire Reserve Dining collection — a curated list rather than all restaurants. We tag those restaurants so you can find them by city.
Can I stack multiple dining credits?
You generally use one card per transaction, so you trigger one credit at a time. But holding multiple cards means multiple credit pools to work through each period — which is exactly why tracking them matters.