The Sapphire Reserve Dining Credit and Exclusive Tables

How the dining credit works

The Sapphire Reserve gives you up to $300 a year toward meals at Sapphire Reserve Exclusive Tables restaurants, as two separate credits: up to $150 for purchases from January 1 to June 30, and up to $150 from July 1 to December 31. Each half closes at 11:59 p.m. Eastern on its last day. Unused credit doesn’t roll over, so if you haven’t used your $150 by June 30, you lose it.

$150January 1 to June 30Unused credit is gone on July 1

$150July 1 to December 31The current half

JanFebMarAprMayJunJulAugSepOctNovDecToday

The credit is automatic. Pay with your Sapphire Reserve at a participating restaurant and Chase applies a statement credit for the charge, up to what is left of your $150 for the half. You do not need a reservation, you do not need to book through OpenTable, and there is nothing to activate. Chase’s terms say the credit posts within three business days, though it can take up to four weeks, and the $150 has to be available when you make the purchase.

A few details worth knowing:

• Tax, tip and service charges count. The credit applies to the final charge on your card, so a $130 dinner that ends up at $160 with tip uses the full $150.
• You still earn points. The Reserve earns 3x on dining on the whole bill, including the part the credit covers.
• It is one pool per account. An authorized user’s meal can use the credit, but it draws on the same $150, not a second one.
• Personal cards only. The credit comes with the Sapphire Reserve and the J.P. Morgan Reserve. The Sapphire Reserve for Business gets the reservations, not the credit.

The dining credit has been part of the card since June 23, 2025, when Chase refreshed the card’s perks. If you already had the card before then, the credit was added to your account on October 26, 2025.

Where it works: the Exclusive Tables list

This is the part people miss: it is not an OpenTable credit. It only works at restaurants in the Sapphire Reserve Exclusive Tables collection, a curated list chosen by The Infatuation and OpenTable in collaboration with the Visa Dining Collection. Most restaurants on OpenTable are not in it.

Chase’s own benefits page still says “over 275” restaurants, a figure from launch. After three updates in 2026, trackers now count well over 400: Thrifty Traveler put it above 400 after the July update, and NextCard counted 406 after August’s and 436 after October’s. Our own Exclusive Tables restaurant list, updated after each change, has 436 restaurants in 63 cities and metro areas. We’ve also read their menus to make a few handy lists: where $150 covers dinner for two, the vegetarian-friendly restaurants and what every tasting menu costs.

The map above shows how the list clusters in the big dining cities. These have the most:

New York City47

Los Angeles32

Chicago30

San Francisco29

Philadelphia17

Denver16

Houston16

San Diego14

Portland13

Washington DC12

Austin11

Phoenix11

Each of the big dining cities has its own page, with what dinner costs, tasting menus, vegetarian options and the nearest Edit hotels: New York City, Los Angeles, Chicago, San Francisco, Philadelphia, Denver, Houston, San Diego, Portland, Oregon, Washington, DC, Phoenix and Scottsdale, Austin, Dallas, Miami.

The collection is US only. OpenTable says the program offers restaurants in the United States; the Canadian restaurants you may see in Toronto, Montreal, Vancouver and Calgary belong to the separate Visa Dining Collection and do not trigger this credit. So the dining credit works for domestic trips and at home, not on a trip abroad.

How to use it, step by step

1. Pick a restaurant from the collection. OpenTable keeps the official list of Sapphire Reserve Exclusive Tables restaurants. Every hotel page in our full list of Chase Edit hotels also shows the Exclusive Tables restaurants within 3 km of the hotel.
2. Book if you want a table you would not otherwise get. A reservation is not needed for the credit, but the program holds primetime tables for cardholders. To book those, link your Sapphire Reserve to your OpenTable account.
3. Pay with the Sapphire Reserve, at the restaurant. Directly with the restaurant: the physical card, or Apple Pay, which cardholders report works. Not through a delivery app or a third-party payment service.
4. Check your statement. The credit should appear within a few days. If it has not shown up after four weeks, contact Chase with the date and amount.

What counts and what does not

Takeout used to be excluded by name; Chase changed that wording in late 2025, and One Mile at a Time reported in May 2026 that takeout paid directly with the restaurant now works. Doctor of Credit has collected a few other edge cases: some restaurants’ handheld Toast card readers failed to trigger the credit in 2025, and Chase said it would fix the problem; splitting one bill across two separate Sapphire Reserve accounts earns a credit on each.

Reservations and the other perks

Exclusive Tables is also a reservations program, and that part predates the credit: it launched in April 2025 in more than 25 cities. Cardholders get access to primetime reservations and special events at the participating restaurants. Tables held for cardholders that go unbooked can be released to everyone, and a few restaurants require you to prepay with the eligible card.

In July 2026 Chase added Priority Notify, which gives Sapphire Reserve cardholders an early booking window at restaurants across OpenTable, not just those in the collection. Nothing official promises extra treatment at the table itself, so treat the program as better access, not a VIP experience.

The list keeps changing

Chase reshuffled the collection twice in the summer of 2026 and added to it again on October 1. The July 7 dining credit restaurant changes added 91 restaurants and removed 64, adding new markets such as Aspen, Fairfax and Newport Beach and cutting Las Vegas and San Diego hard. The August 28 restaurant changes added and removed about 35 each way, and left Salt Lake City and Tulsa with none. The October 1 restaurant changes added 32 restaurants, among them Providence in Los Angeles, The Catbird Seat in Nashville and schwa in Chicago, and dropped three in Austin: Clark’s Oyster Bar, Jeffrey’s and Perla’s.

If a restaurant you have booked leaves the list, you are not necessarily out of luck. Chase told Thrifty Traveler that a reservation made before a restaurant was removed still earns the credit for up to 60 days after the removal. A walk-in or a booking made after the change does not.

Using it on an Edit trip

The dining credit is a US benefit and the Edit hotel credits work worldwide, so the trips where both pay off are domestic ones. These are the cities where Exclusive Tables restaurants and Edit hotels overlap most, counting Edit hotels within 15 km of the city’s restaurants:

A two-night Edit stay in one of these cities, one dinner at an Exclusive Tables restaurant and a pair of tickets with the Sapphire Reserve StubHub credit put three of the card’s credits to work in one weekend: $250, $150 and $150.

Not near one of these cities? You can browse Chase Edit hotels by state, and our guide to all the Sapphire Reserve benefits covers the card’s other credits.

Getting the full $300

• Treat it as two deadlines. One dinner before June 30, one after July 1. A $150 dinner for two twice a year is the whole benefit.
• Do not leave it to the last week. Chase’s terms warn that a charge a restaurant is slow to process can land in the next period.
• Aim for about $150 all in. Tip and tax count, so a menu that looks like $120 is often the right fit.
• Use it at home, too. If one of the cities above is yours, the credit is easy money without any travel at all.