Introduction
The Chase Sapphire Reserve comes with a $300 annual dining credit. It doesn't work at every restaurant. Chase says it applies to dining purchases at select restaurants, and its card page ties the credit to restaurants in the Sapphire Reserve Exclusive Tables program on OpenTable. This guide covers how the credit is paid, what counts toward it and how to set up the OpenTable side. Everything here comes from Chase's card page and terms and OpenTable's Exclusive Tables page.
How the Credit Is Paid
Chase pays the credit in two halves. You can get up to $150 in statement credits from January 1 through June 30 and up to $150 from July 1 through December 31. That's up to $300 each calendar year.
- The statement credit is applied automatically to your account.
- Statement credit periods end at 11:59 PM ET on the last day of the period. Chase says merchant delays in processing can cause a purchase made in one period to be allocated to the next.
- Credits should post within 3 business days but can take up to 4 weeks.
- Chase may reverse a credit if an eligible purchase is returned, canceled or modified, or if you close your account within 90 days of receiving the credit.
- Your account must be open and not in default when the credit is fulfilled.
What Counts
To qualify, dining purchases must be identifiable by Chase as made directly with the select restaurants. Chase says certain types of purchases may not be identifiable and therefore won't qualify. Its examples are merchandise, gift cards and purchases made through third-party services such as payment processors or delivery platforms.
The list of select restaurants is on OpenTable's Sapphire Reserve Exclusive Tables page, and Chase says the list is subject to change. OpenTable's page lists participating restaurants by metro area, so check the list for yours before you book.
Setting Up Exclusive Tables
Chase's terms list four steps to redeem the OpenTable benefit:
- Visit OpenTable.com or open the OpenTable app.
- Sign in to an existing OpenTable account, or sign up for a free one.
- Complete the eligibility check to verify your eligible Chase card.
- Add your eligible card to your OpenTable account.
New cardmembers should allow up to 4 business days after account opening for their card to be added and receive the benefit. The Exclusive Tables benefit also includes access to primetime reservations and special events at participating restaurants in select cities. Chase's terms say the Exclusive Tables benefit runs through June 30, 2030.
Some participating restaurants may require card information to make a reservation, or ask you to pre-pay for part or all of the dining experience. In those cases, you must use the eligible Chase card stored in your OpenTable account. A participating restaurant's inventory that isn't booked before the reservation day and time may be released to general OpenTable inventory.
Who the Credit Suits
The credit fits cardholders who already eat at restaurants on the Exclusive Tables list, because the full $300 needs dining purchases at those restaurants in each half of the year. Chase's dining credit terms name the Sapphire Reserve and J.P. Morgan Reserve personal cards, and its Exclusive Tables terms also name the Sapphire Reserve for Business card. Our guide to Sapphire Reserve authorized users covers the fee and benefits for additional cardholders.
Your Next Step
Before you book, check OpenTable's Exclusive Tables list for your metro area and add your card to your OpenTable account. Then pay the restaurant directly with that card. Chase says purchases made through third-party services such as payment processors or delivery platforms may not qualify.
