Amex Platinum extends £400 dining credit

Get money back to your card when you eat out

The American Express Platinum card comes with a host of extras, including travel insurance, money to spend at restaurants and airport lounge access. It all sounds pretty good and no other card offers as much.

But those perks need to be weighed against an annual charge of £650. That’s huge. As a result, I’ve not been convinced the perks are worth the fee.

The good news is that the dining credit will no longer end this year. Will this make it more worthwhile? Here’s how the Amex Platinum Dining credit works.

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What is the American Express Platinum dining credit offer?

There are two parts of the offer we’ll need to cover.

UK Amex dining credit: £100 every six months

You can get up to £200 credit on restaurant dining between now and the end of December 2026. The £200 is split into £100 every six months. However, it is only at participating restaurants.

You don’t need to spend the £100 in one go. You get the credit on each eligible payment you made up to that cap of £100.

So spend £55, and you got £55 back. But if the next spend was for £60, you only got £45 credited to your account.

Overseas Amex dining credit: £100 every six months

The same offer applies abroad, though once again it’s at selected restaurants, and in my view this will be a lot harder to use.

Also, for overseas spending you still have to pay the transaction charges for using the card abroad.

What restaurants are included in the offer?

There’s a big list of participating restaurants on the Amex website. The UK list seems quite good. Though it’s London centric, there are multiple options in big cities and The Ivy Cafes and Brasseries popping up in regional towns. Hopefully you’ll come across at least one location you regularly attend.

The overseas one is more limited. For example if you’re on holiday in France, then there are plenty to choose from – but nothing in Ireland or Portugal. Likewise New York is really well covered, but there’s nothing in San Francisco.

Just be aware that this list can change, and probably will. So always check. It might be worth taking a quick screenshot before spending too, in case you need to claim at a later date.

Double check too for specific locations that are part of a chain. In the latest offer, only one Hawksmoor location is included, which nearly caught us out a few years ago.

How to get the dining credits

You obviously need to have the American Express Platinum card first. If you don’t already have one I’d probably wait to see if there’s a boosted welcome bonus available (the latest is running 27 August to 14 October 2025). This might be available to existing American Express cardholders too – it depends on which cards you have had in the last two years).

You’ll also get free travel insurance with the card, but remember it isn’t cheap. As mentioned there’s an annual £650 fee. You can read my full Amex Platinum review here.

Once you have the card, to get the both offers, you’ll first need to activate them in your Amex account.

Then, just use your main Platinum credit card to pay for the meal. It won’t work on supplementary cards.

It’s worth noting that third party payment systems, which can include some card readers used by restaurants, might mean the credit is rejected. There’s nothing you can do about this, except hope that won’t be the case when you pay.

When will you get the Amex dining credit?

In my experience, the credit for similar offers is usually applied to your American Express account within a few days.

But it can take longer. And the terms and conditions for the offer say it’ll be within 30 days in most cases, but could take up to 150 days.

This means that you might not get the money taken off the credit card bill before you need to pay it – so make sure you have enough cash available to cover it.

Also, I’d make a note in your diary to check the credit does come through. Sometimes something goes wrong and you’ll need to chase it.

Is the offer any good?