Great news for Amex Platinum cardholders: you've got a quarterly $100 Resy credit to spend on dining! Amex added this perk to help offset the annual fee, and it's pretty straightforward to use. Each quarter (Jan-Mar, Apr-Jun, Jul-Sept, Oct-Dec), you can get up to $100 back on eligible restaurant purchases. The best part? You don't even need to book through Resy or have a Resy account. Just find a restaurant listed on Resy.com, dine in, and pay with your Platinum card. Make sure you enroll in the Resy credit via your Amex account first!

This is where it gets interesting. While the official terms exclude gift cards, reports suggest that physical gift cards purchased in-restaurant at Resy locations are triggering the credit. This is huge because it allows you to frontload your credits and dine whenever you want, not just when the quarter dictates. Online gift cards and delivery orders are a bit trickier since it depends on how the restaurant processes the transaction. If the checkout uses the "Toast" system, you're likely in the clear. Keep an eye on your Amex account's benefit tracker to see how your spending is counting towards the credit. Taxes, tips, and even using Apple Pay are all fine, just make sure your Amex Platinum is the card used for the transaction!