What Is Chase Dining? Your Gateway to Culinary Bliss
The Chase Dining program is a premium perk available to holders of Chase Sapphire, Freedom, and Ink credit cards, with the most exclusive benefits reserved for Chase Sapphire Reserve cardholders. Launched in 2020 and powered by Tock, a leading global reservation platform, Chase Dining connects cardholders to over 4,000 restaurants, wineries, and culinary pop-ups across the U.S. and beyond. Whether you’re craving a Michelin-starred meal in New York City or a cozy takeout order in your hometown, the Chase Dining portal makes it easy to book reservations, order takeout, or secure spots at exclusive events—all while earning or redeeming valuable Chase Ultimate Rewards points.
For Sapphire Reserve cardholders, the program is elevated with access to the Sapphire Reserve Exclusive Tables program, which unlocks prime-time reservations at top-tier restaurants and a $300 annual dining credit to offset your culinary adventures. If you’re wondering, Is Chase Dining worth it? —the answer lies in how you use it.
Why Chase Dining Matters for Sapphire Reserve Cardholders
The Chase Sapphire Reserve card, with its $795 annual fee, is a powerhouse for travel and dining rewards. But the real magic happens when you tap into its dining benefits, especially the Chase Sapphire Reserve dining credit. Here’s why this program is a must for foodies and rewards enthusiasts:
Exclusive Access: Get priority reservations at high-demand restaurants like Estela in NYC or Mujo in Atlanta, where tables are often booked months in advance.
Generous Rewards: Earn 10x points on prepaid reservations and takeout orders through the Chase Dining portal, making every bite a step closer to your next vacation.
$300 Dining Credit: Receive up to $150 in statement credits twice a year (January–June and July–December) for dining at restaurants in the Sapphire Reserve Exclusive Tables program.
Flexibility: Use your Ultimate Rewards points to pay for dining experiences, with Sapphire Reserve points worth 1.5 cents each when redeemed for travel or dining.
If you’re a frequent diner in major U.S. cities like Chicago, Los Angeles, or Miami, or you travel often, this perk can easily offset the card’s hefty annual fee. But even if you’re not in a big city, the Chase Dining program offers takeout and virtual events, ensuring there’s something for everyone.
How to Use Chase Dining: A Step-by-Step Guide
Ready to dive into the Chase Dining portal? Here’s a simple guide to make the most of your dining benefits:
Step 1: Access the Chase Dining Portal
1- Log in to your Chase Ultimate Rewards account via the Chase website or mobile app.
2- Navigate to the Shopping and Experiences tab and click Explore Dining to browse restaurants and events.
Step 2: Explore Dining Options
1- Search for restaurants by city, cuisine, or experience type (e.g., dine-in, takeout, or virtual events).
2- Check for Sapphire Reserve Exclusive Tables for premium reservations at top restaurants like The Optimist in Atlanta or Don Angie in NYC.
Step 3: Book and Pay
1- Make a reservation or order takeout directly through the portal.
2- Pay with your Chase Sapphire Reserve card, Ultimate Rewards points, or a combination of both to earn 10x points on eligible purchases.
Pro Tip: Prepaid reservations and takeout orders are key to unlocking the 10x points bonus—regular dining doesn’t qualify.
Step 4: Redeem Your Dining Credit
1- For Sapphire Reserve cardholders, dining at restaurants in the Exclusive Tables program qualifies for the $300 annual dining credit. Credits are applied within 6–8 weeks and split into two $150 periods (January–June and July–December).
2- Check the list of eligible restaurants at OpenTable.com/Sapphire-Reserve-Dining to ensure your meal counts.
Step 5: Track Your Rewards
1- Monitor your Ultimate Rewards points in the Rewards Activity section of your Chase account. Bonus points (e.g., the additional 7x for 10x total) may appear in the next billing cycle.
What Are Chase Dining Purchases?
Understanding what qualifies as Chase Dining purchases is crucial to maximizing your rewards and credits. Here’s the breakdown:
Eligible Purchases: Dining purchases made directly through the Chase Dining portal, including prepaid reservations, takeout, and exclusive events like the Sapphire at Home Dining Series. These earn 10x points for Sapphire Reserve cardholders.
Sapphire Reserve Dining Credit: Only purchases at restaurants in the Sapphire Reserve Exclusive Tables program qualify for the $300 annual credit. This includes top-tier restaurants in cities like NYC, Chicago, and Miami but excludes takeout, delivery, gift cards, or digital wallet payments.
Standard Dining Rewards: For non-portal dining (e.g., eating out at any restaurant), Sapphire Reserve cardholders earn 3x points on purchases coded as dining/restaurants by merchants, including bars, coffee shops, and most delivery services like DoorDash.
Note: Purchases at bakeries, grocery stores, or restaurants within hotels, casinos, or amusement parks may not qualify for dining rewards or credits unless coded specifically as restaurants.
Insider Tips to Maximize Chase Dining Benefits
Combine Credits and Rewards: Use your Sapphire Reserve card at Exclusive Tables restaurants to earn 10x points and apply the $300 dining credit. Pair with cashback programs like Rakuten for even more savings.
Plan Ahead for Events: Book exclusive experiences like Dinner on the Court or chef collaborations early, as spots fill up fast.
Use Points Strategically: Redeem points for dining when their value is boosted (1.5 cents per point for Sapphire Reserve) or transfer to travel partners for potentially higher value (up to 2.5 cents per point).
Check Availability: If you’re not in a major city, use the dining credit while traveling to qualifying cities. The list of eligible restaurants is updated regularly, so keep an eye on OpenTable.
Avoid Pitfalls: Ensure your purchase is made directly with the restaurant (not through third-party apps) to qualify for credits and rewards. Returns or cancellations may reverse credits.
Is the Chase Sapphire Reserve Worth It for Dining?
The Chase Sapphire Reserve card’s $795 annual fee may seem steep, but its dining and travel benefits can make it a no-brainer for frequent diners and travelers. With the $300 dining credit, $300 travel credit, and access to over 1,300 airport lounges via Priority Pass, the card offers over $2,000 in annual value if fully utilized. For U.S.-based cardholders who dine out regularly or travel to major cities, the Chase Dining program adds significant value by combining exclusive access with generous rewards.
If you’re debating whether to apply, consider the welcome bonus: 100,000 bonus points + $500 Chase Travel promo credit after spending $5,000 in the first three months. This alone can fund a luxurious dining spree or a dream vacation. For more details,
Final Thoughts: Dine Like a VIP with Chase Dining
The Chase Dining program transforms your meals into opportunities for savings and rewards, especially for Chase Sapphire Reserve cardholders. By leveraging the Chase Dining portal, you can score exclusive reservations, earn 10x points, and offset costs with the $300 dining credit. Whether you’re a foodie in the U.S. chasing Michelin-starred experiences or simply want to enjoy takeout with added perks, this program delivers. Ready to elevate your dining game? Log in to your Chase account today and start exploring the Chase Dining program—your taste buds (and wallet) will thank you!