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Amex Schwab Platinum $400 Resy Credit: How It Works and When It Resets (2026)

From the MaxWorth card database, the same rows the app uses; refreshed October 3, 2026

Quick answer: The Amex Schwab Platinum $400 Resy Credit is worth up to $400 a year. It resets every quarter, on January 1, April 1, July 1 and October 1, up to $100 per quarter; an unused quarter is gone when the next one starts. Enrollment is required on the issuer's site or app before the credit pays out.

At a glance

CardAmex Schwab Platinum · American Express · annual fee $895
Value per year$400
Per-cycle cap$100
CycleQuarterly
ResetsQuarterly
EnrollmentRequired
TypeAccumulates up to the cap

The terms, as catalogued

Get up to $100 in statement credits each quarter when you use your Platinum Card at U.S. Resy restaurants and for other eligible purchases through Resy. That's up to $400 annually. Enrollment required.

How not to lose it

Add the Amex Schwab Platinum to MaxWorth and this credit appears with its quarterly cycle already set; you get a push before it expires, tap it when you use it, and the card's annual-fee ROI updates. No bank account is ever connected.

Frequently asked questions

When does the $400 Resy Credit reset?

It resets every quarter, on January 1, April 1, July 1 and October 1, up to $100 per quarter; an unused quarter is gone when the next one starts.

Do I need to enroll?

Enrollment is required on the issuer's site or app before the credit pays out.

Does unused credit roll over?

No. Like every quarterly credit, any unused amount expires when the cycle ends.

Other credits on the Amex Schwab Platinum

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; methodology. Spotted an outdated term? Tell us through the app.