(Update: 32 Added, 3 Removed) Maximizing The $300 Dining Credit With Chase Sapphire Reserve Exclusive Tables

Update 10/2/26: 32 have been added, 3 have been removed. Full list of added properties here.

Update 7/8/26: 91 restaurants have been added with 64 removals. Seems like mostly Vegas has been removed, with only one restaurant remaining in Vegas. Chase is reportedly (via frontline customer service reps) saying that there is a 60 day grace period from a restaurant being removed to being able to request a manual credit for those with existing reservations that are now removed restaurants. 

Update 12/19/25: They’ve added ~100 new restaurants which are now eligible for the credit, and have also removed a handful. Areas which previously had no options and were now added include: Baltimore, Charlotte, Cleveland, Columbus, Connecticut, Greenville County, Kansas City, Jacksonville, Maine, Naples, New Mexico, Oklahoma City, Orlando, Pittsburgh, Raleigh, Rhode Island, Richmond, Sacramento, Salt Lake City, St. Louis, Tampa, Tulsa, and West Palm Beach. (Hat tip to Frequent Miler)

Update 12/18/25: Reader Chris reports getting the credit with an online gift card purchased from an eligible restaurant who uses Square for their online gift cards. YMMV, start small.

Update 11/5/25: From what we’re hearing (1, 2, 3), many people are now having success with online gift cards ordered via the Toast system. I suppose they fixed the Toast issue for in-restaurant purchases, and online gift cards got changed along the way. It should now work for any online gift card at an eligible restaurant – provided that the restaurant uses the Toast system to sell their online gift cards. YMMV. (ht to reader Charles)

Sapphire Reserve $300 Dining Credit

The newly revamped Chase Sapphire Reserve consumer card comes with $300 in annual dining credits, split into $150 from January–June and $150 from July–December. The credit is valid only at a curated list of restaurants called Sapphire Reserve Exclusive Tables, powered by OpenTable.

You don’t need to book through OpenTable and you don’t need to register with OpenTable and no enrollment is necessary. Simply dine at a participating restaurant, pay with your CSR, and you’ll get reimbursed.

Note: while the AmEx Platinum Resy credit has over 10,000 restaurants in over 1,600 cities, the Sapphire Reserve credit only works in a few hundred restaurants across 26 cities. It’s meant to be a luxury dining benefit and is concentrated in major metropolitan areas. If you live in a rural area, you may find no nearby options.

Using The $300 Dining Credit

• Enrollment: No enrollment required. The credit is automatic for Sapphire Reserve cardholders. (If you had the card before June 23, 2025, your credits don’t start until October 26, 2025.)
• Eligible restaurants: To find eligible restaurants, click on a city on this page. You can also find a locator map on a website called useyourcredits.com. And here’s another map option and another. You can also find a full written list with all options here. 
• Tips & Taxes: Tips, taxes, and service fees all count toward the $150. It’s the final charge on the card that matters.
• Payment: Pay directly with your Chase Sapphire Reserve, no third-party ordering systems. Apple Pay in-restaurants should work fine, and that’s been confirmed anecdotally as well. You can ask the waiter to split your bill between two Sapphire Reserve cards and you’ll get credits on both. 
• Posting Timeline: Chase says allow up to 6–8 weeks. In practice, credits will likely post in a few days. 

Gift Cards, Delivery & Take-Out

The terms exclude gift cards, delivery, and take-out from earning the $150 credit.

• Despite the terms, it appears likely that buying physical gift cards or paying for take-out directly at the restaurant will work since it’s processed the same as a regular restaurant purchase. There have been data points of this working as well. 
• There have been issues with purchases not crediting correctly when processed on the Toast wireless handheld system. Chase has promised a fix so that all in-restaurant Toast purchases should work. If/when that’s resolved, there’s a chance Toast-processed online delivery and e-gift cards may also start working. We’ll see. (Check out what we wrote about Toast in our post on the AmEx Resy credit and it might similarly work with Chase when they do the Toast update.)
• Update 11/5/25: From what we’re hearing (1, 2, 3), many people are now having success with online gift cards ordered via the Toast system. It should now work for any online gift card at an eligible restaurant – provided that the restaurant uses the Toast system to sell their online gift cards. YMMV. 
• Additionally, readers (1, 2) have had success buying an online gift card with a restaurant that uses Square for their online gift cards. YMMV.
• See this website for a full list of which restaurants use Toast and Square. (Reddit link)

Maximizing The $300 Credit

• InKind: inKind is a dining program whereby you buy blocks of credit toward any inKind parter restaurant, often at steep discounts. Essentially you front-load you spend in chunks with inKind and they often give nice discounts for doing so (e.g. pay $100 for $150 in restaurant credits). Check for inKind deals at this DoC tag. Frequentmiler documents numerous inKind restaurants which are also available on Sapphire Reserve Exclusive Tables. Do not use your Sapphire Reserve card to buy inKind credits as that won’t trigger the credit. But the waiter should be able to split your dining charge between your card and inKind. For example, if you dined out for $500, ask the waiter to put $150 on your Sapphire card and pay the remaining $350 with your inKind balance.
• Dining Programs: There are lots of card-link dining programs whereby you link your card and then get rewards or cashback when spending at select restaurants. It’s possible that some of the Exclusive Tables restaurants will also appear in these programs, such as Rakuten Dining, Seated, Bilt Dining, or Franki. (Often you have to choose only one of these rewards programs as they use the same back-end and won’t let you enroll in both.) Check our post: Complete List of Card-Linked Reward Programs for an overview of some of the options. Let us know if you find any stacking opportunities. 
• Stacking Tracker: Here’s a cool website with a map of eligible restaurants, along with stacking options of Exclusive Tables, Resy, InKind, Bilt Neighborhood and more. Here is a sample link of restaurants in New York which are on Chase Exclusive Tables, Resy, and inKind – modify the filters per your needs. 
• Local Deals: Check around the eligible restaurants in your area to see if they have any specials or certain times-of-day with special deals or other types of coupons or gift card deals.
• Cashing Out: If you won’t use the credit, buy a gift card at a participating restaurant and sell it to a friend.
• Other options: If you don’t like dining out, some mention buying bottles of wine from a local restaurant to bring home. Or buy a gift card from a restaurant and gift it to a friend.
• Double-Dip with Card Signup: If you apply for the Sapphire Reserve near the end of June or December, you can often capture an extra credit within your first cardmember year. For example, if you apply in June, it should be possible to squeeze in $600 in credits during the first year by holding the card for slightly more than a year (annual fee gets refunded if you cancel/downgrade within 41 days). Regardless of when you apply, it’ll usually be possible to get at least three $150 credits ($450) during the first cardmember year. 
• Vegan, Kosher, Halal: I asked AI to check which restaurants are Vegan, Kosher or Halal. They replied (I haven’t double checked these): None are kosher. Halal options include Baobab Fare (Detroit) – fully halal; Kiran’s (Houston) – halal chicken and lamb; and Ma’am Saab (Charleston) – likely halal. Vegan options include Kindred (San Diego) – fully vegan; Cafe Juanita (Seattle) – vegan tasting menu; Thip Khao (DC); Shaya (New Orleans); and Oma’s Hideaway (Portland).
• Let us know what we’re missing. 

Terms:

Chase Sapphire Reserve and J.P. Morgan cardholders are eligible to receive up to $300 in annual statement credits for qualifying dining purchases at select restaurants. A statement credit will be automatically applied to your Chase account for dining purchases at select restaurants up to a maximum accumulation of $150 in statement credits from January 1 through June 30 and up to $150 from July 1 through December 31 each calendar year, for a total maximum accumulation of $300 in statement credits annually. To qualify, dining purchases must be identifiable by Chase as having been made directly with the select restaurants. Certain transactions may not be identifiable and will therefore not qualify; for example, delivery and takeout, merchandise and gift cards, and purchases made through digital wallets, third-party payment accounts, or processed by the restaurant with a mobile or wireless card reader. Please allow 6 to 8 weeks for statement credit(s) to appear on your monthly credit card billing statement. The $300 Annual Dining Credit must be available at the time qualifying purchases are made to be applied to your account. Your statement credits may be reversed if an eligible purchase is returned, canceled, or modified or if you close your account within 90 days of receiving a statement credit. For more information, including the list of select restaurants, go to OpenTable.com/Sapphire-Reserve-Dining or call the number on the back of your card. The list of select restaurants is subject to change.

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