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Chase Sapphire Reserve® (Rates & Fees) offers up to $300 in dining statement credits each calendar year at select restaurants participating in Sapphire Reserve Exclusive Tables. But unlike a general dining credit, this benefit only works at qualifying restaurants, and there are a few important restrictions to know.
So, how does the credit work, and where can you use it? Here's everything you need to know about the Sapphire Reserve dining credits.
What Is the Sapphire Reserve Dining Credit?
Among the many statement credits offered by the Sapphire Reserve, one of the larger perks is an annual dining credit of up to $300 at select restaurants. This credit is split into two six-month periods:
- Up to $150 in statement credits from January 1 through June 30
- Up to $150 in statement credits from July 1 through December 31
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 spread the credit across multiple purchases, giving you flexibility to reach the $150 cap. And there’s no separate activation necessary — the credit 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 your reservation through OpenTable for the dining credit to apply. However, you’ll need to add your Sapphire Reserve to your OpenTable account to access Sapphire Reserve Exclusive Tables reservations and other OpenTable benefits.
Not all transactions are guaranteed to qualify. Chase must be able to identify the purchase as having been made directly with an eligible restaurant. That means that merchandise, gift cards, and purchases made through third-party services, such as payment processors or delivery platforms, may not qualify.
Once an eligible purchase posts, the statement credits should show up within three business days, although they can take up to four weeks.
This is a use-it-or-lose-it benefit. Any unused portion of the January-through-June credit expires after June 30, while unused July-through-December credit expires after December 31.
Additionally, merchant processing delays could cause a purchase made near the end of one period to count toward the next.
Where Can You Use the Sapphire Reserve Dining Credit?
The dining credit works at participating restaurants in the Sapphire Reserve Exclusive Tables program. These restaurants are concentrated in major U.S. cities, so if you don't live near a participating location, you may have better luck using the credit while traveling.
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.
You can find the current list of eligible restaurants through OpenTable, making it easy to see what's available in your area or in a city you're traveling to. Since the restaurants that participate can change, you'll want to check the list before you dine.
Based on my own experience, the selection is impressive, with plenty of acclaimed restaurants and well-regarded local favorites in many U.S. cities.
Related: The Best
Is the Dining Credit Worth Face Value?
The value of this credit really depends on your dining habits and where you live. I live in Houston, where there are quite a few participating restaurants, and I've used the credit for several excellent meals, including at a Michelin-starred restaurant at home and high-end restaurants while traveling. Since these are places I would have considered dining anyway, I value the credit at close to its full $300 face value.
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 mental task of keeping track of one more benefit. If you forget to use it, you could miss out on the value altogether.
Related: Is the Chase Sapphire Reserve® Card Worth Its $795 Annual Fee in 2026?
Bottom Line
The Sapphire Reserve dining credit can be a great perk for cardholders who can use it naturally. With a strong lineup of participating restaurants, it has the potential to turn part of the card's annual fee into memorable dining experiences rather than just another statement credit to manage.
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 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, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants 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 subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
- Member FDIC
- 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)
