Important Changes to Resy Credit for Amex Gold & Platinum Cards: What You Need to Know

Key Information About Changes to Resy Credit

American Express has announced upcoming changes regarding Resy credit that will take effect on August 1, 2026. Both the Amex Platinum and Amex Gold cards offer Resy credit perks, allowing cardholders to utilize credits at most participating Resy restaurants across the U.S.

If you're considering applying for either of these cards, the Resy credit is definitely a benefit worth weighing. Interestingly, this credit is treated like cash, and you can directly offset it against the annual fee when evaluating the card's value.

Upcoming Changes

However, a significant change is on the horizon. According to recent information from Doctor Of Credit, recent announcements regarding Amex cards specify: "Updates on Resy Credit benefits will take effect on August 1, 2026. Restaurants and food establishments in the U.S. must be designated as eligible to receive Resy credit on the Resy website or app at the time of purchase."

This means that not every restaurant participating in Resy will qualify for the credit; only those designated as eligible will. Consequently, you'll need to check if your chosen restaurant is marked as eligible to take advantage of this benefit.

Impact on Users

Amex card users should note that when accessing the Resy website while logged into their Amex account, a note will indicate, "this location is currently eligible for Resy credit." The keyword "currently" prompts you to consider the possibility that some restaurants may not retain this designation in the future.

This raises the question of whether this change represents a significant depreciation in value. However, it's essential to recognize that this is a common practice among credit card companies when announcing changes to terms of service.

Possible Reasons for the Change

There are two potential reasons behind this change. First, Amex may be seeking to clarify the terms for Resy credit without making a significant reduction in value. Second, Amex might be trying to enhance the economics of this benefit by only including a select few restaurants as eligible for credit in the future.

Amex’s ownership of Resy could facilitate this adjustment. It's also worth noting that Tock is being integrated into Resy, and Amex may simply want to focus on maintaining “classic” restaurants without incorporating newer establishments added from Tock.

Challenges in Tracking Benefits

While premium credit cards today can easily justify their annual fees if used diligently, one major frustration is the frequent changes in benefits. This not only makes it hard for users to keep track but also leads to fatigue with credit cards.

Amex has announced that from August 1, 2026, changes to Resy credit will occur on premium cards like Amex Gold and Amex Platinum. It’s worth considering how restricted the list of eligible restaurants will become.

Conclusion

Is this a strategy merely to exclude certain restaurants as Tock integrates into Resy, or is Amex attempting to limit eligible restaurants, requiring them to participate and contribute to the credit fund? We will likely learn more in the coming weeks.

For those interested in the Amex cards or who already own one, pay close attention to these changes and carefully consider your options before deciding to utilize and take advantage of Resy credit benefits in the near future.

Article referenced and edited from: One Mile at a Time