Key Points:

• Starting September 15, 2026, hundreds of restaurants on the Tock reservation platform will accept the Amex Resy dining credit, giving cardholders far more places to use it.
• The Amex Platinum, Amex Gold, and Delta co-branded Amex cards all include Resy credits ranging from $100 to $400 per year, but the benefit only works at restaurants marked "Resy Credit Eligible."
• Cardholders should enroll in the benefit ahead of time and confirm eligibility before booking, since unused credits don't roll over to the next period.

If you've got an Amex card with a Resy credit sitting unused because you can't find a restaurant near you that actually takes it, that's about to change. Starting September 15, 2026, hundreds of restaurants on Tock, a reservation platform Amex now owns alongside Resy, will become eligible for the Resy credit. It's a meaningful expansion for anyone who has opened the Resy app, found a short list of options, and given up. Here's what's actually changing, which cards benefit, and how to make sure your next reservation actually earns you the credit.

Why the Resy Credit Has Been Hard to Use

The Amex Resy credit has always had one obvious flaw: it's only as good as the restaurants that accept it. Amex owns Resy, which purchased Tock from Squarespace for $400 million in 2024, but until now, that acquisition hadn't translated into more dining options for cardholders. If you live outside a major metro or just don't love the handful of Resy-affiliated spots nearby, the credit was easy to leave on the table. upgradedpoints

That's changing because Tock is now folding into the Resy network, which should give eligible cardholders many more options for using their credit. Tock tends to skew toward fine dining, tasting menus, and prepaid dining experiences, so this isn't just more restaurants. It's often a better caliber of restaurant, particularly if you're the type of points enthusiast who plans a special dinner around a trip. upgradedpointsupgradedpoints

One important caveat: not every Tock restaurant will automatically qualify. You'll want to confirm a restaurant is listed as Resy Credit Eligible before you dine if you're counting on the statement credit. upgradedpoints

Which Amex Cards Come With a Resy Credit

Here's the breakdown of which cards get this perk and how much it's worth:

• The Platinum Card from American Express: up to $400 per year, split into quarterly credits of up to $100. upgradedpoints
• The American Express Gold Card: up to $100 per year, split into two semiannual credits of up to $50. upgradedpoints
• Delta SkyMiles Platinum Amex and Delta Platinum Business: up to $120 per year, issued as up to $10 per month. upgradedpoints
• Delta SkyMiles Reserve Amex and Delta Reserve Business: up to $240 per year, issued as up to $20 per month. upgradedpoints

Notice the pattern: the more premium the card, the bigger the credit, but also the more restrictive the redemption window. You'll need to enroll before you can use any of these, and none of them roll over. Miss a quarter or a month, and that money is just gone.

Why This Actually Matters for Your Wallet

If you're weighing whether an Amex Platinum's annual fee pencils out, credits you can't use don't count for much. This update directly addresses one of the most common complaints about the Amex Gold's dining credit and the Platinum's Resy perk: limited redemption options. More Tock restaurants means better odds you'll find something worth booking near home, and a genuinely useful backup option when you're traveling somewhere without a deep Resy presence.

For families or couples who eat out regularly, this is the difference between a credit you remember to use every quarter and one you write off as a sunk cost. It's also a good nudge to revisit your Amex Membership Rewards strategy generally, since a card's real value often comes down to how many of its stated perks you actually redeem.

Frequently Asked Questions

Do I need to enroll to use the Amex Resy credit?
Yes. Enrollment is required before the credit will apply, and you'll need to pay with the eligible card to trigger the statement credit.

Will every Tock restaurant accept the Amex Resy credit?
No. Only restaurants specifically marked "Resy Credit Eligible" will trigger the benefit, so check before you book if the credit matters to your decision.

What happens if I don't use my Resy credit in time?
It disappears. None of these credits roll over, whether your card issues them monthly, quarterly, or semiannually.

The Bottom Line

Amex just made one of its most underused card perks noticeably easier to actually use. If your Resy credit has been going to waste, mark September 15 on your calendar and start browsing Tock's restaurant list in your area. Between the Amex Platinum's $400 annual credit and the Amex Gold's $100 version, this is free money that just got a lot easier to spend. This article contains affiliate links. If you apply through our links, we may earn a commission at no cost to you, which helps us continue sharing points and miles strategies with the community.