10 Best Credit Cards for Resy of October 2026
Top picks for Resy from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Resy, after spend caps. Order can differ from that column because ranking adds the adjustments above.
American Express Gold Card earns the top spot for Resy purchases at 6.0¢ per dollar on dining — a $325 annual fee. We ranked every card in our database against Resy purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
American Express Gold Card
American Express
- +4x on Dining — points worth 1.5¢ each
- +Est. $50/yr value — $100 Resy Credit
- +Est. $60/yr value — $120 Dining Credit
Bilt Obsidian Card
Cardless
- +3x on Dining — points worth 2.2¢ each. 3X applies only while dining is the elected 3X category (dining or grocery). Dining is the default at account opening; grocery can be chosen within 30 days of opening or each January.
- +$200 in rewards bonus (~$200 value)
- +Est. $10/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Chase Sapphire Preferred Card
Chase
- +3x on Dining — points worth 1.8¢ each
- +75,000 points bonus (~$1,350 value)
- +Est. $13/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Why American Express Gold Card wins for Resy
American Express Gold Card earns 6.0¢ per dollar on dining when you shop at Resy, the highest marginal rate in our list for this brand. At 6.0¢ per dollar, rewards cover the $325 fee after about $5,420 a year in Resy spending. To come out ahead of The Key Rewards Visa (4.0¢), you'd need about $16,250 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| American Express Gold CardAmerican Express | 4x Membership Rewards | 6.0¢/$ | $325 | $36 | amex |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.6¢/$ | $95 | $10 | mastercard |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | $13 | visa |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 4.8¢/$ | $595 | $333 | mastercard |
| The Key Rewards VisaCapital One | 4% in Williams Sonoma family of brands reward certificate value | 4.0¢/$ | $0 | — | visa |
| BMO EscapeBMO | 4x points | 4.0¢/$ | $150 | $36.50 | mastercard |
| Chase Sapphire ReserveChase | 3x Ultimate Rewards | 5.4¢/$ | $795 | $155 | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | $10 | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $40 | mastercard |
More Options
How to maximize value at Resy
- Use American Express Gold Card for Resy purchases — it earns 6.0¢ per dollar on dining at Resy in our scoring.
- Shopping portals sometimes offer extra rewards at Resy; check current portal rates before you buy.
- Pair American Express Gold Card with Bilt Obsidian Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Cards with credits at Resy
Statement credits or cash applied to your bill at Resy, separate from earn rate.
- The Platinum Card from American ExpressResy Restaurant Credit$400
- The Platinum Card from American Express Exclusively for Morgan Stanley$400 Resy Credit$400
- American Express Gold Card$100 Resy Credit$50
- Delta SkyMiles Platinum Business American Express Card$120 Resy Credit$10
- Delta SkyMiles Platinum American Express Card$120 Resy Credit$10
Cards with memberships at Resy
Similar Brands
Other brands in Quick Service Restaurants where the top picks above also earn well.
Frequently asked
- What credit card earns the most at Resy?
- American Express Gold Card ranks #1 for Resy in our list at 6.0¢ per dollar on dining (including Resy) — $325 annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at Resy?
- Shopping portals sometimes offer extra rewards at Resy; check current portal rates before you buy.
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