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After the recent Chase Sapphire Reserve® overhaul, you might be wondering how to make the most of the card’s brand-new statement credits and perks. One of the newest benefits is dining credits, worth up to $300 each year.
So, how do they work, and where can you use them? Here's everything you need to know about the Sapphire Reserve dining credits.
What is the Sapphire Reserve Dining Credit?
As you probably know, the revamped Sapphire Reserve now comes with a higher annual fee, along with several new coupon-like credits that can help offset the cost.
One of the biggest additions is up to $300 in annual dining credits at select restaurants — split into a $150 credit from January through June and another $150 from July through December. These restaurants are mostly located in major metro areas across the United States.
It’s worth noting that while new cardholders can use this benefit right away, existing members who applied before June 23, 2025, won’t get access until October 26, 2025.
How Does the Sapphire Reserve Dining Credit Work?
The dining credit is fairly simple to use, as long as you’re near one of the participating restaurants or plan to visit one during your travels.
You can apply the credit across multiple purchases, giving you flexibility to reach the $150 cap. There’s no need to enroll or register; credits will automatically post to your account after dining at a participating restaurant and paying with your Sapphire Reserve.
Although this benefit is offered in partnership with OpenTable, you don’t need to book through OpenTable to qualify. Just use your Sapphire Reserve to pay the bill, and it should trigger the credit.
That said, not all transactions will qualify. Delivery, takeout, merchandise, gift cards, and some digital wallet payments may not be recognized as eligible dining purchases. It can also take six to eight weeks for the credit to appear on your statement.
This is a use-it-or-lose-it benefit. If you don’t use the first $150 by the end of June/December, it won’t roll over.
Where Can You Use the Sapphire Reserve Dining Credit?
Only restaurants that are part of the Sapphire Reserve Exclusive Tables program are eligible for the dining credit.
If you don’t live in a major city, you may not find any qualifying spots nearby. In that case, your best bet is to use the credits while traveling. That said, based on the restaurants I recognize from the list, the selection is genuinely impressive. Many are top dining destinations in their cities, including Michelin-starred spots and well-regarded local favorites.
It’s also worth clarifying that the full list of restaurants offering priority reservations through the Sapphire Reserve Exclusive Tables portal is not the same as the list of restaurants eligible for the $300 dining credit.
Only certain restaurants qualify for the credit, and using your Sapphire Reserve to pay at one of those specific locations is what triggers the benefit. Here are the eligible restaurants as of publication:
| City/Location | Eligible Restaurants |
|---|---|
| Atlanta | Canoe Little Sparrow Mujo Ray's On The River The Alden The Garden Room The Optimist Yebo Beach Haus |
| Austin | Clark’s Oyster Bar Comedor dipdipdip Tatsu-ya Emmer & Rye Este Hestia Kemuri Tatsu-ya La Condesa OKO Perla's Seafood and Oyster Bar Red Ash Italia Suerte |
| Boston | Bistro du Midi Celeste Grill 23 & Bar La Royal Mahaniyom The Banks Seafood and Steak Toro Uni |
| Charleston | Ma'am Saab Oak Steakhouse Southbound Tempest |
| Chicago | Akahoshi Ramen Alla Vita Anelya Asador Bastian avec River North avec West Loop Boka Brasero Bronzeville Winery Cariño Chicago Cut Steakhouse Daisies Fioretta Hawksmoor Chicago Khmai Kumiko Mariscos San Pedro Mirra Momotaro Moody Tongue Mott St PERILLA steakhouse ROOP Chicago Sepia Thattu The Publican Valhalla |
| Dallas | El Carlos Elegante José Mister Charles Nick & Sam's Steakhouse Sister Restaurant Tei-An Town Hearth |
| Denver | A5 Steakhouse Alma Fonda Fina Ash'Kara BRUTØ Cozobi Fonda Fina Frasca Food and Wine Kumoya Restaurant Olivia Rioja Sunday Vinyl Tavernetta |
| Detroit | Baobab Fare Bar Pigalle BARDA Oak & Reel |
| Hawaii | Hau Tree Kaimuki Shokudo Lineage Maui MW Restaurant Nami Kaze Senia The Pig and The Lady |
| Houston | Agnes and Sherman BCN Taste & Tradition Brasserie 19 ChopnBlok Kiran's Lees Den March Maximo Októ Rosie Cannonball Street To Kitchen Turner's Cut |
| Las Vegas | Esther's Kitchen Harlo Steakhouse & Bar Hell's Kitchen - Caesars Palace Las Vegas La Strega Momofuku Nobu - Caesars Palace Las Vegas Top of the World Restaurant - The STRAT Hotel Vanderpump à Paris |
| Los Angeles | Amiga Amore Camélia chi SPACCA Delilah DiDi Dunsmoor Gjelina Gjusta Gwen Harriet's Loreto Majordomo Mélisse Meteora Pasjoli Petit Trois Le Valley Ronan Somni Steak 48 Stella Super Peach The Nice Guy Vespertine Xuntos |
| Miami | Ariete Blue Collar Delilah Doya EntreNos Eva Ghee - Downtown Dadeland Krus Kitchen L’Atelier de Joël Robuchon Los Felix Luca Osteria Nami Nori Design District Phuc Yea Stubborn Seed The Den Zitz Sum |
| Milwaukee | Bavette La Boucherie DanDan EsterEv |
| Minneapolis | Baldamar Manny's Steakhouse P.S. Steak |
| Nashville | Bad Idea Bastion Choy Harriet's Henrietta Red International Market Locust Pelato Yolan |
| New Orleans | Brennan's GW Fins Jewel of the South La Petite Grocery Muriel's Jackson Square Restaurant August San Lorenzo at Hotel Saint Vincent Shaya Tableau The Bower |
| New York | Altro Paradiso Aska Bar Kabawa Bar Miller Brass Casa Mono Chez Fifi Demo Di An Di Estela Falansai Gjelina - New York Hawksmoor IRIS Kabawa Koloman l'abeille Le B. Lodi Momofuku Noodle Bar Downtown Momofuku Noodle Bar Uptown Moody Tongue Sushi Noz Market Odo Phoenix Palace Pig and Khao Potluck Club Roscioli Sappe Scarr's Pizza Strange Delight Sushi Ichimura Sushi Noz The Golden Swan The North Fork Table & Inn |
| Philadelphia | a.kitchen High Street Honeysuckle Provisions Jean-Georges Mawn Ogawa Sushi & Kappo Omakase SkyHigh Tabachoy Vernick Fish Vetri Cucina |
| Phoenix | Chilte Christopher's at Wrigley Mansion Course Fat Ox Geordie's at Wrigley Mansion Latha the larder and the delta The Mission – Old Town Scottsdale Lom Wong |
| Portland | Arden Canard – Burnside De Noche Dolly Olive Han Oak Hayward Jeju L'Orange Nodoguro Oma's Hideaway Shalom Y'all |
| San Antonio | Clementine |
| San Diego | Animae Casa Gabriela C-Level Coasterra Herb & Sea Herb & Wood Ironside Fish & Oyster Island Prime Jeune et Jolie Juniper and Ivy Kettner Exchange KINDRED Marisi Paradisaea Solare Ristorante Lounge The Marine Room The Whaling Bar Vintana Wine & Dine |
| San Francisco | Angler Aziza Bodega SF Burdell Che Fico Ciccino Gary Danko Little Shucker Niku Steakhouse Nisei O' by Claude Le Tohic Popoca Saison Saison Cellar & Wine Bar Selby's SingleThread Farms The Progress |
| Seattle | Atoma Cafe Juanita Lark Takai by Kashiba Tomo Westward |
| Washington DC | Amazonia Bresca Causa Dauphine’s El Taller del Xiquet Service Bar The Duck and the Peach Thip Khao Xiquet by Danny Lledó |
Related: The Best Credit Cards for Dining and Restaurants: Maximize Rewards on Every Bite
Is the Dining Credit Worth Face Value?
The value of this credit really depends on your dining habits and where you live. I’m in a city with plenty of participating restaurants, and we enjoy elevated dining experiences. So, for me, this credit is worth the full $300. I’d likely eat at these spots anyway, with or without the benefit.
But if you’re in a smaller city, the value might be harder to capture. If you have to go out of your way or change your habits just to use the credit, it may feel more like a coupon than actual savings.
There’s also the added task of keeping track of one more benefit. If you forget to use it, you could miss out on the value altogether.
Bottom Line
The dining credits probably aren’t a strong reason to open the Sapphire Reserve unless you’re confident you’ll actually use them. Even then, they are less of a bonus and more of a way to chip away at that hefty annual fee.
For cardholders who live near participating restaurants and already enjoy elevated dining, the credit can offer real value. But if you need to change your habits or go out of your way just to use it, this perk is more of a nice-to-have than a game-changer. As with many premium card benefits, the real value depends on how well it fits your lifestyle.
- Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Reserve® (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
