One of my favorite perks on the Chase Sapphire Reserve® (see rates and fees) is its dining statement credit.
I receive up to $300 each year (two $150 statement credits for each half of the year, from January to June and from July to December) when I dine at participating Sapphire Reserve Exclusive Tables restaurants through OpenTable.
With Sapphire Reserve Exclusive Tables, I get access to hard-to-get reservations and select exclusive events. Here’s what cardholders need to know.
What is Sapphire Reserve Exclusive Tables?
If you have the Sapphire Reserve, the J.P. Morgan Reserve® Card or the Chase Sapphire Reserve for Business℠(see rates and fees) card, you have access to the Sapphire Reserve Exclusive Tables benefit.
The information for the J.P. Morgan Reserve Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Sapphire Reserve Exclusive Tables program includes a curated list of restaurants across the U.S. with special reservation time slots and select curated events for eligible cardholders to enjoy. The program is available through the OpenTable platform.
The personal Sapphire Reserve and J.P. Morgan Reserve cards also come with up to $300 in annual statement credits (split into $150 biannually) when cardholders dine at an eligible restaurant.
Related: Which purchases count as dining with the Chase Sapphire Preferred and Chase Sapphire Reserve?
How many restaurants participate in Sapphire Reserve Exclusive Tables?
Chase hasn’t disclosed an exact number of restaurants covered by the Sapphire Reserve Exclusive Tables credit on the Sapphire Reserve. However, reported numbers suggest that there are between 362 and 397 locations.
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In OpenTable’s Sapphire Reserve Exclusive Tables FAQ section, about 50 U.S. cities and metro areas are listed as participants. These include major metros and dining destinations, such as New York City, Los Angeles, San Francisco, Chicago, Miami, Boston, Dallas, Denver, Nashville and Washington, D.C.
The footprint is significantly smaller than a similar dining benefit offered by select American Express cards through Resy (which partners with 25,000 venues).
Because of this, it may be easier for cardholders based outside of major metro areas to save their statement credit for when they’re traveling.
Since I live in a midsize city in upstate South Carolina, my options are quite limited; only three nearby restaurants are covered by my statement credit. Lucky for me, one of my favorite spots is included in this program, so if I’m not traveling to a city with more options, I know I can always fall back on a local favorite.
Related: I kept the receipts: Here’s how much the Sapphire Reserve was actually worth to me this year
How to book dining reservations through Sapphire Reserve Exclusive Tables
To activate the dining statement credit, you first have to connect your eligible Sapphire Reserve or J.P. Morgan Reserve personal card to an OpenTable account.
Note that the Sapphire Reserve for Business provides access to Sapphire Reserve Exclusive Tables reservations through the same connection process. However, it doesn’t include a dining statement credit.
Chase makes it easy to navigate to OpenTable’s website right from your account. Log in, click on “Benefits & travel” and select “Benefits.” If you have more than one Chase card, be sure to choose your Sapphire Reserve or J.P. Morgan Reserve here.
Scroll down to “Maximize your credits,” and click “$300 Annual Dining Credit.” From here, you’ll be taken to the perk’s full page.
If you haven’t activated the credit yet, select the “Go to OpenTable” button next to the benefit tracker to open OpenTable’s landing page for the perk.
If you don’t have an OpenTable account, you can create one for free. Once you’ve done this, add your eligible Sapphire Reserve or J.P. Morgan Reserve card as a payment method. This activates the credit. Once your eligible card is linked to your OpenTable account, you won’t need to reactivate it.
Now you’ll have access to exclusive reservations at select restaurants and can redeem your eligible card’s $150 biannual statement credit ($300 annually).
To find special reservations through the Sapphire Reserve Exclusive Tables program, navigate to the “Sapphire Reserve Exclusive Tables” banner on OpenTable’s homepage. You’ll see this feature once you connect an eligible card.
It’s worth noting that you don’t have to book through Sapphire Reserve Exclusive Tables to receive your statement credit. You just need to dine at a participating restaurant. Keep in mind that the credit only applies to eligible Sapphire Reserve Exclusive Tables locations, not all OpenTable restaurants.
When I redeemed this statement credit in the first half of 2026, I received points for my entire bill — not just the portion outside of the $150 dining statement credit. I spent about $196 and received 590 Chase Ultimate Rewards points on the transaction, thanks to the Sapphire Reserve earning a healthy 3 points per dollar spent on dining.
Chase notes that statement credits are generally applied in one or two billing cycles. My statement credit posted the day after the transaction, though your experience may vary.
Related: The best premium credit cards: A side-by-side comparison
What are the rules and restrictions for the Sapphire Reserve Exclusive Tables statement credit?
Here are some key details to know about the Sapphire Reserve Exclusive Tables statement credit:
- You must dine at a restaurant that’s part of Sapphire Reserve Exclusive Tables on OpenTable to redeem your credit.
- You’ll receive up to $300 in statement credits each calendar year, split into $150 for January through June and $150 for July through December. Unused statement credits do not roll over.
- Data points suggest that gift card purchases can trigger the statement credit. (Matt Moffitt, TPG’s contributing editor for credit cards, has successfully purchased gift cards to stack his two biannual dining credits. This has effectively gotten him $300 in value from a single visit to an eligible restaurant.)
- You will earn points on the full purchase, including the part offset by the statement credit.
- Merchant delays may cause purchases made in one statement credit period to be allocated to the next period, so be mindful if you try to redeem this in the final days before it resets.
Related: Are you eligible for a Chase Sapphire welcome bonus? Here’s how to check
How our team maximizes Sapphire Reserve Exclusive Tables statement credits
I’m not the only TPGer who gets a lot of value out of my dining credit. Here’s a collection of how my teammates have recently redeemed theirs:
- Emilie Hebert, senior content designer: Emilie went to Tolo in New York City’s Lower East Side. She enjoyed the restaurant’s Chinese small plates and great wine selection.
- Zoe Jablow, engineering manager: Zoe has used her statement credit at many restaurants, including Una Pizza Napoletana, Casa Mono, Jeffrey’s Grocery and Ci Siamo (all in New York City).
- Andy Kuan, senior product manager: Andy went to Sailor, a bistro in the Fort Greene neighborhood of Brooklyn, New York.
- Emily Lamb, sales operations manager: Emily used the credit at BondST, a Japanese restaurant in New York City, for a birthday dinner with a friend.
- Eric Rosen, travel principal: Eric used his credit at Anajak in Sherman Oaks, California, a Thai restaurant with a Michelin star. He said he and his friends had been wanting to try the restaurant “forever,” and they finally found a quiet Sunday evening when they could score a reservation. Dogs were dog-sat, kids were babysat and the adults could enjoy an evening out. The group’s $300 bill was knocked down to $150 thanks to his credit, so they split it at $75 per couple. “Not bad for a fancy evening out with friends,” he said.
- Stephanie Stevens, credit cards writer: Stephanie redeemed her credit with Rich Table, a Californian-style restaurant in San Francisco that she’s been wanting to try. She couldn’t find a last-minute reservation but was able to apply her statement credit to a gift card purchase, ensuring the benefit didn’t go unused.
- Brooke Willaby, sales enablement director: Brooke redeemed her credit at Nico’s in Charleston, South Carolina. She mentioned the oysters as a menu highlight.
Related: I asked TPG staffers how they manage credit card statement credits — here are 4 tips
Bottom line
Chase’s Sapphire Reserve Exclusive Tables benefit is an excellent perk for cardholders who like to dine at top-tier restaurants, and the Sapphire Reserve and the J.P. Morgan Reserve both include an annual dining statement credit to make it sweeter.
The most important factor here is that the credit isn’t widely available, so if you live outside of major U.S. cities, you may need to get more creative to find an eligible location.
From my experience, I’ve found ways to maximize this benefit even though I don’t live in a large metro area, so don’t let that discourage you.
To learn more, read our full review of the Sapphire Reserve.
Apply here: Chase Sapphire Reserve
