How to Pay With Points and Still Get the $250 Edit Credit

The $250 Edit credit is a statement credit. It refunds part of what you charged to your Sapphire Reserve, so it needs a card charge to land on. Pay for an Edit stay entirely with Ultimate Rewards points and there is nothing for it to refund. Pay at least $250 on the card and cover the rest with points, and you get both: the credit wipes out the cash part, and your points cover the remainder.

Please note: We have not made these bookings ourselves. This guide pulls together bookings that Sapphire Reserve cardholders reported on Reddit between September 2025 and summer 2026, with links to each post so you can read the originals, and adds the typical rates from our own price data.

The rule: put at least $250 on the card

Cardholders who tried it agree:

• Points only: no $250 credit. You still get the hotel’s Edit benefits, since those come with the booking, not the payment.
• Points and cash, with $250 or more on the card: the full $250 credit. Several reported it posting within a day or two of booking, before the stay.
• Charges at the hotel do not count. Spending $250 on room service or the spa during a points-paid stay does not trigger the credit. It only applies to the prepaid Chase Travel booking.

The usual Edit rules still apply: a prepaid stay of two nights or more, booked through Chase Travel, and two $250 credits a year on separate bookings. Our Sapphire Reserve perks guide has the full terms.

How to split the payment in Chase Travel

Chase Travel does not always show a points-and-cash option at checkout. Some cardholders saw a choice between all points and all card. The workaround they found:

1. Choose to pay with points. Chase fills in enough points to cover the whole stay.
2. Edit the points box. Lower the number so the amount left over is at least $250, and tap Apply.
3. Check the payment summary. It should show the points redeemed and an amount billed to your card of $250 or more.
4. Book, then watch your statement. The Edit credit shows up as its own line, “THE EDIT $500/YEAR CREDIT” on one statement, usually a day or two after the charge.

Already booked with points only? One cardholder found the payment cannot be changed on an existing booking, but they were able to cancel a refundable booking and rebook it with points and cash. You pay whatever the rate is when you rebook, so check it first.

Real bookings, and what they cost

Hotel Zoe, San Francisco: two nights for $9.72 and 6,000 points

In November 2025, a cardholder booked two nights at Hotel Zoe near Fisherman’s Wharf at $128 a night. Taxes and fees took the total to $379.72. They paid 6,000 points with Points Boost and put $259.72 on the card. The $250 credit came back, so two nights in San Francisco cost $9.72 and 6,000 points.

Two things to note. The fees were high: $72.56 on a $256 room, more than the taxes. Look at the fee line before you book, not just the nightly rate. And Hotel Zoe sometimes showed as sold out on Chase Travel while other sites had rooms, then reappeared a few days later. Our data puts its typical Chase Travel rate at $349 a night, so $128 was a good date, not the usual price.

Eaton DC: two nights for 2,458 points

In the same thread, a couple reported two nights at the Eaton DC for $299 in all. They put exactly $250 on the card and paid the rest, 2,458 points, with Points Boost, and the credit posted before the stay. After the credit, the two nights cost 2,458 points.

The Eaton’s website lists free self-parking, but another guest was told several times that it is a perk of booking direct and does not apply to Chase bookings, and parked at a nearby garage instead. Ask the hotel before you count on it.

Park MGM, Las Vegas: $250 on the card, the rest in points

In May 2026, a cardholder paid $522 for two nights at Park MGM: $250 on the card and the rest in points at a 1.65-cent Points Boost rate. That $250 triggered the Edit credit and also $250 of the card’s $300 travel credit.

Another cardholder, who booked ARIA and The Cosmopolitan in July 2026, said both Edit credits and the travel credit posted within a day or two of booking. Do not plan on a double credit: Chase can take back a credit it applied by mistake.

MGM Grand, Las Vegas: all points, and all cash

Two MGM Grand stays show both ends. In September 2025, a guest paid 18,000 points with Points Boost for two nights that cost $230 in cash, and still got the hotel’s Edit perks, including the $100 dining credit. In March 2026, another paid $365.09 in cash for three nights, and the $250 credit posted the next day, leaving $115.09. Our guide to The Edit at MGM hotels in Las Vegas covers those stays in detail.

Is it worth spending points this way?

With Points Boost, points on many Edit hotels are worth up to 2 cents each in Chase Travel. Both Hotel Zoe and the Eaton DC got exactly that: 6,000 points covered $120, and 2,458 points covered about $49. Without a boost, points are worth 1 cent each in Chase Travel, and you may get more by transferring them to a hotel or airline partner.

The rule of thumb: always put at least $250 of an Edit stay on the card, since the credit gives that $250 back. Spend points on the rest only when a boost is showing, or when you would rather not spend cash at all.

The cheapest Edit hotels in the US

A cheap stay is where points and cash help most, because $250 on the card plus a few thousand points can cover the whole bill. These are the US Edit hotels with the lowest typical nightly rates in our price data:

A two-night stay at any of them costs little more than the $250 credit. Typical rates are medians across our price calendar, so on a good date you can do better, as Hotel Zoe showed. The Edit Maximizer ranks every Edit hotel by how much of a stay the credits cover, and each hotel page shows its cheapest months.