How Does the American Express Platinum Card $200 Annual Dining Credit Work?

One of the new features recently introduced on the Canadian-issued American Express Platinum Card is the $200 annual dining credit.

This benefit was added to help offset the increased annual fee, which rose from $699 (all figures in CAD) to $799 on September 26, 2023.

The $200 annual dining credit is now available to current and future cardholders, and the list of restaurants at which it can be used ‌is also live.

What Is the American Express Platinum Card $200 Annual Dining Credit?

The American Express Platinum Card‘s $200 annual dining credit was introduced in September 2023, when major changes hit the American Express Platinum Card.

Part of the changes included increasing the card’s annual fee from $699 to $799, and the dining credit was introduced to help offset the annual fee increase.

Each calendar year, cardholders are eligible for a $200 statement credit upon making a qualifying purchase of at least $200 at a participating restaurant in Canada.

It’s important to note that the dining credit will only kick in on a transaction of at least $200. The dining credit isn’t cumulative, which means you won’t be able to make a few smaller purchases and have it triggered.

Furthermore, the $200 annual dining credit is only available to the primary cardholder, and isn’t available on supplementary accounts.

The $200 annual dining credit on the Canadian-issued American Express Platinum Card is only valid for dine-in services at participating establishments in Canada. Restaurants outside Canada won’t trigger the credit, even if they’re valid for dining credits with Platinum Cards issued by other countries.

There are currently 171 eligible restaurants in Canada, which are mostly concentrated in major city centres. However, there are participating restaurants in smaller cities as well, such as Cambridge, Rimouski, and Tofino, to name a few.

The full list of restaurants can be found on the American Express website.

Since the $200 dining credit runs on the calendar year and not the cardholder year, if you currently hold a Platinum Card or if you’re approved for one before the end of 2023, you’ll enjoy a $200 dining credit this year, and another one as of January 1, 2024.

Therefore, if you have the Platinum Card by the end of 2023, you’ll enjoy three $200 credits over the first year as a cardholder, or by your next cardholder anniversary date if you already have the card:

  • One $200 dining credit to be used by December 31, 2023
  • Another $200 dining credit to be used on or after January 1, 2024
  • One $200 annual travel credit to be used before your anniversary date (if not already used)

If the current welcome bonus on the card interests you, be sure to leave enough time to use up the first dining credit by the end of 2023.

How to Use the American Express Platinum Card’s $200 Annual Dining Credit

Initially, cardholders must manually register for the $200 annual dining credit on the Amex Offers section of their account.

Registration can either be completed within the American Express mobile app, or on the American Express website.

Simply login to your American Express account, select your Platinum Card if you have more than one Amex card, and then navigate to the Amex Offers section.

Once here, look for the $200 annual dining credit, and hit “Register your card”.

After you’ve registered, all you need to do is pay for a bill totalling at least $200 at any of the participating restaurants in Canada using your Amex Platinum Card. Once the transaction posts to your account, you’ll receive a $200 statement credit.

Keep in mind that the statement credits can take five business days to appear, but it can take up to 150 days from the offer end date, as per the terms and conditions.

However, if the $200 statement credit for dining is akin to statement credits from many other Amex Offers, it should appear on your account within a few days.

After the initial enrolment, cardholders won’t have to manually add the offer each year from the Amex Offers page. Rather, you’ll be automatically re-enrolled, and the statement credit will be applied to your account on any eligible transaction above $200 at one of the eligible venues.


American Express recently increased the annual fee on the Canadian-issued American Express Platinum Card from $699 to $799. To help offset the increased cost, cardholders now have a $200 annual dining credit to use at a participating restaurant in Canada.

Current cardholders, and those who are approved before December 31, 2023, will enjoy a dining credit valid until the end of 2023, and another $200 credit at the start of 2024.

The $200 annual dining credit joins the $200 annual travel credit as one of the mainstay features on the American Express Platinum Card. If you’re able to take advantage of the dining credit, be sure to take a look at the list of restaurants, and then pay with your Platinum Card for a significantly reduced bill.

  1. NJK

    I just received my AmEx Platinum card. I was unable to register for the AmEx Platinum $200 annual dining credit offer; AmEx advised me that it takes about ten days for the offer to appear on new accounts.
    The “curated” list of participating restaurants includes about 170 establishments, about 100 of which are in Vancouver, Toronto and Montreal. Good luck using the $200 credit if you live in southwestern Ontario. Nothing in Windsor, London or Stratford, in fact no participating restaurants west of Cambridge.

  2. Hannah

    I’m really glad I read this because I didn’t realize it was per calendar year! I was saving mine for something in the new year, so I would have lost the benefit.

  3. BL

    Is there anything similar for the Amex Busines Platinum?

    1. christopher

      Hi, may I know in what regard? Lounge access or dining credit? Or is it something else?
      Amex Business Platinum is similar to the Personal Platinum in many ways. I’m not sure if that is what you are looking for though.

      1. BL

        I ment for the dinning credit. Is there any new benefits that were added with the increase in cost and spending?

        1. christopher

          Yes, indeed there are several changes to both of these cards.
          For the personal platinum, the main changes would be the dining credit and the reform of spending multipliers.
          For the business platinum, the main changes would be the travel credit and the wireless credits.

          If you would like to know more details and other changes, we have written an article to address them, feel free to have a read:

          Hope you find this useful


  4. Patrick

    While the terms state dine in only, any thoughts on whether this could be used when buying a gift card or for take out? I assume they wouldnt know what we actually bought or if we took it home.

    1. christopher

      should work also, make sure u bought the GC from those listed restaurants themselves

      1. Rick

        I’m thinking to buy in one restaurant from this list and use it in others since I can see restaurants owned by one restaurant group.

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