The Chase Sapphire Reserve will shortly be undergoing a full refresh. The card’s annual fee is increasing to $795, but the card is also getting a slew of new benefits. Among other things, the card is introducing a new $300 annual dining credit. In this post, I want to take a closer look at how that works, as there’s a bit of nuance to using it.
In this post:
What is the Chase Sapphire Reserve $300 dining credit?
With its fresh, the Chase Sapphire Reserve will offer up to $300 in dining credits annually. Note that this benefit applies as of June 23, 2025, for new cardmembers, and as of October 26, 2025, for existing cardmembers. So, how will this benefit work, exactly?
- The card will offer an up to $150 statement credit semi-annually, once in January through June, and once in July through December
- The credit can be used across one or multiple purchases, until the $150 limit is reached
- The credit will automatically post for dining purchases at select restaurants, up to the maximum, with no registration required
- To qualify, the eligible card must be used for the dining purchase, though it doesn’t matter how you booked your reservation
- Certain types of purchases may not be identifiable and will not qualify, like delivery and takeout, merchandise and gift cards, purchases made through digital wallets, etc.
- It can take six to eight weeks for statement credits to appear on billing statements
At which restaurants does the dining credit work?
Many people have been wondering at which restaurants the Chase Sapphire Reserve $300 dining credit can be used. This can be a bit confusing, because if you go to this link, you’ll see the Sapphire Reserve Exclusive Tables portal, which can be accessed by entering your card number.
That shows a lot of restaurants at which members can get priority reservations. However, that’s different than the list of restaurants at which the credit can be used. Here’s the full list of restaurants eligible for the Chase Sapphire Reserve $300 dining credit, organized by city (of course this can change over time):
- In Atlanta, restaurants include Canoe, Little Sparrow, Mujo, Ray’s On The River, The Alden, The Garden Room, The Optimist, and Yebo Beach Haus
- In Austin, restaurants include 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, and Suerte
- In Boston, restaurants include Bistro du Midi, Celeste, Grill 23 & Bar, La Royal, Mahaniyom, The Banks Seafood and Steak, Toro, and Uni
- In Charleston, restaurants include Ma’am Saab, Oak Steakhouse, Southbound, and Tempest
- In Chicago, restaurants include 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, and Valhalla
- In Dallas, restaurants include El Carlos Elegante, José, Mister Charles, Nick & Sam’s Steakhouse, Sister Restaurant, Tei-An, and Town Hearth
- In Denver, restaurants include A5 Steakhouse, Alma Fonda Fina, Ash’Kara, BRUTØ, Cozobi Fonda Fina, Frasca Food and Wine, Kumoya, Restaurant Olivia, Rioja, Sunday Vinyl, and Tavernetta
- In Detroit, restaurants include Baobab Fare, Bar Pigalle, BARDA, and Oak & Reel
- In Hawaii, restaurants include Hau Tree, Kaimuki Shokudo, Lineage Maui, MW Restaurant, Nami Kaze, Senia, and The Pig and The Lady
- In Houston, restaurants include Agnes and Sherman, BCN Taste & Tradition, Brasserie 19, ChopnBlok, Kiran’s, Lees Den, March, Maximo, Októ, Rosie Cannonball, Street To Kitchen, and Turner’s Cut
- In Las Vegas, restaurants include 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, and Vanderpump à Paris
- In Los Angeles, restaurants include 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, and Xuntos
- In Miami, restaurants include 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, and Zitz Sum
- In Milwaukee, restaurants include Bavette La Boucherie, DanDan, and EsterEv
- In Minneapolis, restaurants include Baldamar, Manny’s Steakhouse, and P.S. Steak
- In Nashville, restaurants include Bad Idea, Bastion, Choy, Harriet’s, Henrietta Red, International Market, Locust, Pelato, and Yolan
- In New Orleans, restaurants include 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, and The Bower
- In New York, restaurants include 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, and The North Fork Table & Inn
- In Philadelphia, restaurants include a.kitchen, High Street, Honeysuckle Provisions, Jean-Georges, Mawn, Ogawa Sushi & Kappo Omakase, SkyHigh, Tabachoy, Vernick Fish, and Vetri Cucina
- In Phoenix, restaurants include 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, and Lom Wong
- In Portland, restaurants include Arden, Canard – Burnside, De Noche, Dolly Olive, Han Oak, Hayward, Jeju, L’Orange, Nodoguro, Oma’s Hideaway, and Shalom Y’all
- In San Antonio, restaurants include Clementine
- In San Diego, restaurants include 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, and Vintana Wine & Dine
- In San Francisco, restaurants include 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, and The Progress
- In Seattle, restaurants include Atoma, Cafe Juanita, Lark, Takai by Kashiba, Tomo, and Westward
- In Washington D.C., restaurants include Amazonia, Bresca, Causa, Dauphine’s, El Taller del Xiquet, Service Bar, The Duck and the Peach, Thip Khao, and Xiquet by Danny Lledó
How useful is this Chase Sapphire Reserve dining credit?
Nowadays premium cards largely have high annual fees, and it’s possible to get outsized value, but it can take some effort. With that in mind, the Chase Sapphire Reserve dining credit is probably going to be pretty polarizing. As is often the case, the perks of this card favor those who live in major cities.
For me, this new dining credit is basically good as cash. I live in Miami, and there are several restaurants on the list that I frequent. For example, I go to Doya at least once a month. So I’ll easily get $300 of value out of that per year. Awesome, because for me, that more than offsets the annual fee increase.
That being said, of course others will feel differently. If you wouldn’t otherwise visit the restaurants on the list, then the credit suddenly becomes a lot less valuable. So everyone will have to do the math for themselves, but I figure it’s useful to at least know which restaurants are on the list.
Bottom line
The Chase Sapphire Reserve is getting a new $300 annual dining credit, with a credit of up to $150 every six months. This is available on a limited number of restaurants in major cities. If you’d otherwise frequent these restaurants, then this is awesome, and basically good as cash. Meanwhile if you don’t live in a major city and/or wouldn’t frequent these restaurants, it’s a different story.
While I wish the list of eligible restaurants were bigger, personally I’m a happy camper, since some restaurants that I frequent are on the list.
What do you make of the Sapphire Reserve $300 dining credit?
As mentioned below, I am still confused about where to get this list of restaurants, as the terms on Chase's site redirect you to Open Table for the full list of restaurants - if you then search by city on that page, it displays 3-4 times the number of restaurants listed here.
If the list of eligible restaurants is in fact the smaller one that Ben posted, then this is really absurd. I live in...
As mentioned below, I am still confused about where to get this list of restaurants, as the terms on Chase's site redirect you to Open Table for the full list of restaurants - if you then search by city on that page, it displays 3-4 times the number of restaurants listed here.
If the list of eligible restaurants is in fact the smaller one that Ben posted, then this is really absurd. I live in one of these cities and frequently dine out. Not only have I never been to any of these restaurants, I've never even heard of any of them
I'm not opposed to the idea of dining credits in general. But having a credit only eligible at a list of restaurants (which can change in time) is a bit much, This is why in the coupon book war, I think Amex is winning. Resy dining credits > this. Uber > Lyft (Uber is available internationally and is good for Uber Eats orders). I prefer Equinox over Peloton, but I know some will disagree.
https://account.chase.com/sapphire/reserve/benefits
Click on dining tab and click on the link Sapphire Reserve Exclusive Tables to get the full list
When you click on the link on that page, scroll to dining, and click on the asterisk for the terms & conditions, it tells you to go to the link below for the full list of restaurants, which then displays a much longer list of restaurants than what Ben has included
OpenTable.com/Sapphire-Reserve-Dining
For Ben this is as good as cash.
For most people this is as good as trash.
Ben,
Where did you find this list? assuming somewhere on chase’s website?
This is similar in operation to the dining credit on the UK version of Amex Plat.
Where can we find that list of restaurants or how did you figure this out? As you noted, it can change over time so if Chase is maintaining a list it would be good to know where that is.
https://www.opentable.com/c/chasedining/ then click "Explore restaurants by city"， this is not the list???
I'll be honest, I opened this story expecting to write a sarcastic comment about silly coupon-style credits and Ben overpromoting this card...
But those Vegas credits are nice and essentially as good as cash to me. I'm not going to go out of my way to track down a covered restaurant in any other city (where driving or train-hopping would be required), but Momofuku, Nobu, and Vanderpump Paris? Easy. Heck, just order a few rounds...
I'll be honest, I opened this story expecting to write a sarcastic comment about silly coupon-style credits and Ben overpromoting this card...
But those Vegas credits are nice and essentially as good as cash to me. I'm not going to go out of my way to track down a covered restaurant in any other city (where driving or train-hopping would be required), but Momofuku, Nobu, and Vanderpump Paris? Easy. Heck, just order a few rounds of drinks at Vanderpump and you're in the clear.
Not enough by itself to make me upgrade from CSP but perhaps if the LAS lounge turns out to be God Mode then I'll (reluctantly) bite.... I just don't see it outperforming the CapOne lounge though.
Got it. So if you don’t live in a major city, Chase no longer wants your business.
Right, because people who live in small cities never travel to big cities.
In all seriousness, we're only talking $150/6 months... if it was a $50 *monthly* credit I would see your point as that would definitely favor those in large metros, but if you don't travel once every six months this is unlikely to be the most desirable card for you in the first place, no?
Is the credit for a single use only or can it be combined up to the maximum? In other words, if I spend $100 in each of two visits to the same or different restaurants during the same 6 month period, do I get a $100 credit and lose the remaining $50!or do I get $100 for the first restaurant and $50!for the second?
@ Ted -- It can be used across multiple transactions. I just updated the post to reflect that, thanks.
There’s another way of seeing if you jump through this hoop and then get your left knee all the way to the back of your neck you could probably get a $250 credit.
I don’t know about you guys, but I find all of this just too exhausting. That too after paying 800 bucks annually, I would pass.
I 100% agree with you, Manny. In general, credit cards with fees are only worth it if you come out *well and truly* financially ahead. For me, "well and truly" means in the ballpark of at least several hundreds of dollars (hence why my favorite CC is still the Hilton Aspire).
If you do not, then the mental stress/headache of dealing with all these coupons & credits -- not to mention potential opportunity costs --...
I 100% agree with you, Manny. In general, credit cards with fees are only worth it if you come out *well and truly* financially ahead. For me, "well and truly" means in the ballpark of at least several hundreds of dollars (hence why my favorite CC is still the Hilton Aspire).
If you do not, then the mental stress/headache of dealing with all these coupons & credits -- not to mention potential opportunity costs -- certainly isn't worth the $100 you come out ahead by the end of the year (and even then I would argue you're not really coming out $100 ahead because theoretically you could have invested some of that AF money...)
I don't think it is about "coming out ahead". I think the main perk is the lounge access. The secondary goal is not ''" coming out ahead" either, it is "getting back at least some (maybe most) of your money to lower the shock of the price"
They should've just made it a dining credit that can be used anywhere in the world, like with the Bonvoy Brilliant card. Who wants to have to go to one of these overpriced snob restaurants anyway. It's such a stupid marketing ploy. They think that everyone who would sign up for the CSR is a filthy rich, wasteful snob, and even if that were true, such people probably don't care about those credits. Instead of...
They should've just made it a dining credit that can be used anywhere in the world, like with the Bonvoy Brilliant card. Who wants to have to go to one of these overpriced snob restaurants anyway. It's such a stupid marketing ploy. They think that everyone who would sign up for the CSR is a filthy rich, wasteful snob, and even if that were true, such people probably don't care about those credits. Instead of giving actual real value in exchange for having the card, paying the steep annual fee, and giving Chase your business, they came up with what is effectively a "fake" benefit. It's also very misleading that they advertise this just as a "$300 yearly dining credit" in the big print, yet low and behold, it can only be used at a few overpriced snob restaurants. Yuck!
Noz Market is takeout. Why if I get something there would it code differently than if I ate there? where did you see anything about takeout
@ michael -- That's just something that is common in terms & conditions. The idea is simply to say that if you order takeout through an app, or something, it might not code that way. But if you make the purchase directly with the restaurant in-person, odds are that it should code correctly, and qualify for the credit.
What a ridiculously small list.
What is your source for this list? How do I know my credit will work
@ Staradmiral -- It's from the Chase website. There's no direct link, but it's a pop-up when you click on the terms for the dining credit.
Can I use the $150 for multi trip?
Pretty bold choice to make 38% of the AF much more recoupable to those in larger cities, although I would argue that most people who pay $795 for a credit card are almost certainly in one of those cities twice a year.
Also, will these restaurants get noticeably busier, especially with tourists? I would think very much so.
I’m in San Diego and there are a lot of great places on the list and a few we frequent.
I’m in Scottsdale a lot also and the Fat Ox is great.
Let’s see what restaurants it will be in 6 months!! Constant changes till all but the most vigilant of users gives up. I am tired of actuaries changing the arraignment over and over again. It reminds me of the old days of health insurance… or the current Medicare plans.
Ben, you were spot on in your original post on the changes when you said this card is significantly more beneficial for city dwellers compared...
Let’s see what restaurants it will be in 6 months!! Constant changes till all but the most vigilant of users gives up. I am tired of actuaries changing the arraignment over and over again. It reminds me of the old days of health insurance… or the current Medicare plans.
Ben, you were spot on in your original post on the changes when you said this card is significantly more beneficial for city dwellers compared to those in the rural areas.
Grubhub! I can’t find that service within 5 hours of me in Colorado, let alone any of these restaurants ;)
Do you know if we can get the first credit on June 23rd as existing card users even if our renewal date is past october?
@ Walter -- The new perks only apply as of late October for existing cardmembers, as I understand it.
This is so confusing. They should just make the lists the same. They advertise the benefit in their press release as:
"A new $300 annual dining credit and primetime reservations at Sapphire Reserve Exclusive Tables, available for booking on OpenTable. Sapphire Reserve Exclusive Tables is a growing list of hundreds of restaurants across the country curated by The Infatuation and OpenTable in collaboration with The Visa Dining Collection."
This suggest it covers all the...
This is so confusing. They should just make the lists the same. They advertise the benefit in their press release as:
"A new $300 annual dining credit and primetime reservations at Sapphire Reserve Exclusive Tables, available for booking on OpenTable. Sapphire Reserve Exclusive Tables is a growing list of hundreds of restaurants across the country curated by The Infatuation and OpenTable in collaboration with The Visa Dining Collection."
This suggest it covers all the restaurants designated as Sapphire Reserve Exclusive Tables, rather than a small subset of these. In Open Table there is already a distinction between the Visa Dining Collection and the Sapphire Reserve Exclusive Tables. It's clear that SRET is a curated subset of the former. If the restaurants eligble for the semi-annual credit are a further subset of this list, then it's totally confusing and false marketing.
Hey Chase will this credit only work for restaurants in the US? Because, ya know, it's supposed to be a travel card. And who only wants to travel in the US?
You'd be surprised at how many rich xenophobes there are in the US.