Atmos Summit Card Review: Is the $395 Annual Fee Worth It in 2026?
NCnextcard team
Chase Sapphire Reserve Dining Credit Guide & List (July 2026)
NC
nextcard teamPublished Feb 16, 2026Updated Jul 8, 2026
Advertiser Disclosure: nextcard may receive compensation from card issuers. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain. For the most up-to-date terms & conditions, refer to the official credit card application on the issuer's website.
Finding Chase Sapphire Reserve® Exclusive Tables restaurants through OpenTable works fine if you're only checking one city, but comparing options across regions or seeing pricing upfront isn't possible without clicking into every restaurant or OpenTable page. That makes it tough to plan how to use your credit and how much of your $150 semiannual credit you'll actually use before booking. We built MealMaxxer, nextcard's dining rewards map that pulls in all Exclusive Tables restaurants alongside other dining reward programs in one searchable view, with average per-person costs so you can filter by destination and price range before booking.
This guide has been updated to reflect the major July 07, 2026 changes.
TL;DR
The $300 annual dining credit is structured as two separate $150 semiannual credits: up to $150 from January through June (H1), and up to $150 from July through December (H2). The Reserve's $300 annual StubHub credit follows the same semiannual structure, so both benefits reset on the same schedule. When you dine at an eligible restaurant and pay with your Reserve, the statement credit should post to your account within 3 business days, though it may take up to 4 weeks in some cases.
If you don't use the full $150 in a semiannual period, it doesn't roll over. H1 credits expire on June 30 and H2 credits expire on December 31. If you're reading this in July 2026, the H2 window just opened and you have until December 31 to use your dining credit. Check your app and think about which reservations you want to make before the credit expires.
The Reserve includes access to Exclusive Tables, a benefit offering reserved seating at sold-out restaurants during peak hours. Through Chase's partnership with OpenTable, cardholders access reservation times unavailable to the public. You'll book through OpenTable and pay standard menu prices, but you're securing reservations others can't get.
Technically speaking, Exclusive Tables is a separate benefit from the $300 annual dining credit. All Exclusive Tables restaurants are eligible for the dining credit (as far as we know).
You do not have to book an Exclusive Tables/Sapphire reservation to use the $300 dining credit. To use the dining credit, you literally just need to pay with your qualifying Chase Sapphire Reserve card. No fancy reservation or anything required.
One way to find qualifying restaurants is by going to OpenTable's site and scrolling through each of the restaurants available in each city. Upon loading the page, you can start your search by navigating to your city.
If you're getting frustrated having to click into each city individually and then scrolling around to see where they all are, just use the nextcard Sapphire Reserve $300 Dining Credit Map. It maps all the restaurants where you can use the credit, layers in other dining rewards programs so you can spot stacking opportunities, and covers every city at once (no city-by-city searching required).
Restaurant participation changes over time, so always make sure to check OpenTable's list as final validation near the day of your restaurant visit.
New York City has the largest number of Exclusive Tables restaurants. Participating locations span Manhattan, Brooklyn, and Queens across neighborhoods like the West Village and Williamsburg. Here's a list of all eligible spots as of July 2026 (reflecting the major changes that took place on July 07, 2026):
The program includes fine dining destinations and casual spots, with prices ranging from $30 per person to tasting menus over $200.
San Francisco and the broader Bay Area maintain strong representation in the Exclusive Tables program. Eligible restaurants appear throughout the city, from the Financial District to the Mission, along with options in Oakland, Palo Alto, and surrounding neighborhoods. Here's a list of all the eligible San Francisco spots as of July 2026:
You'll find everything from Italian bistros to Californian cuisine. Per-person averages typically fall between $40 (e.g. Bodega) and $150 (eg Saison Wine Cellar), though some high-end options like Californios exceed that range.
Aside from San Francisco and the Bay Area, there are 4 more eligible restaurants in northern California: Camden Spit and Larder (Sacramento), Canon (Sacramento), Chez Noir (Carmel-by-the-Sea), and Ella Dining Room and Bar (Sacramento).
Los Angeles dining locations span West Hollywood, Downtown LA, Santa Monica, Beverly Hills, Culver City, Long Beach, and Pasadena. The eligible restaurant mix leans toward New American, Asian fusion, and contemporary Mexican concepts, with per-person prices running $30 to $350 (Vespertine):
Chicago's Exclusive Tables restaurants span neighborhoods like River North, West Loop, Lincoln Park, and Wicker Park. Participating locations include steakhouses, Italian restaurants, and contemporary American dining, with per-person costs typically ranging from $35 to $400 (Ever, 2 Michelin Star).
The program features downtown spots near the Loop and neighborhood favorites in areas like Fulton Market. Because restaurant participation changes, use OpenTable's Exclusive Tables filter when searching to confirm which Chicago locations currently accept the dining credit.
There were some major (unfortunate) changes that happened recently: many eligible restaurants were removed. There is only one Chase Sapphire OpenTable Exclusives Table Restaurant in Vegas now:
All other restaurants are no longer eligible. Eg Nobu, Hell's Kitchen, Top of the World, Harlo, and Vanderpump are no longer eligible.
It's a pretty significant change and definitely makes Vegas a lot weaker than before.
The dining credit only works for purchases made directly at qualifying restaurants using your Sapphire Reserve. To be clear, no reservation is required; you just need to make the payment using your Sapphire Reserve.
If you order takeout directly at the restaurant, there are reports that the credit will work.
Also, splitting the bill between multiple cards works totally fine, as long as the transaction is charged directly from the restaurant. For example, I had a $300 bill at Angler in SF that I used two separate Reserves for (we got all the credits).
| Feature | Chase Sapphire Reserve | Amex Platinum |
|---|---|---|
| Annual dining credit | Up to $300 (two $150 semiannual credits) | Up to $400 (up to $100 per quarter) |
| Credit structure | Semiannual (H1: Jan–Jun, H2: Jul–Dec) | Quarterly (resets every 3 months) |
| Booking platform for reservations | OpenTable | Resy |
| Restaurant network | ~400 curated restaurants | 20,000+ restaurants worldwide |
| Reservation required to use credit? | No, pay with your card at any qualifying restaurant | No, pay with your card at any qualifying Resy restaurant |
| Rollover if unused? | No, expires at end of each half-year | No, expires at end of each quarter |
Amex's Resy network covers more restaurants nationwide, while Chase limits access to approximately 400 restaurants across 50+ US cities. If you hold both cards, MealMaxxer shows Exclusive Tables and Resy locations together in one view, so you can spot stacking opportunities without switching between tools.
The main difference is the semiannual vs quarterly basis. With a quarterly system, it just raises more touchpoints for you to not forget to use your credit. However, with the Reserve, the dining credits reset on a semiannual basis. You have more time to use the credit then. In either case, if you want reminders about your credit card benefits, sign up for nextcard notifs!
OpenTable's Exclusive Tables filter shows participating restaurants when you're logged in and searching for reservations. The filter appears in the main search interface after you've linked your card to your account. It works well for searching one city at a time or confirming a specific restaurant, but it doesn't give you a cross-city view or price comparisons across regions.
You can use the nextcard Sapphire Reserve dining credit map to see all ~400 eligible restaurants. It shows:
For a broader view, MealMaxxer is the most complete tool available. It maps every eligible Exclusive Tables restaurant alongside other dining rewards programs (including Resy) in one searchable interface, with cuisine filters and average cost per person. You can filter by destination and price range across all 50+ covered cities at once, so there's no need to click through each city individually or cross-reference separate tools for different programs.
OpenTable's city-by-city interface makes it hard to compare restaurants across destinations or see pricing before you book. We created MealMaxxer for this exact purpose: it maps every eligible Exclusive Tables restaurant alongside other dining rewards programs in one view, searchable by city with filters for cuisine type and price range. MealMaxxer includes average cost per person for each location, so you can plan exactly how much of your $150 semiannual credit to use before visiting. Filter to your destination, check pricing, and decide which reservations fit your remaining credit balance.
nextcard runs on a freemium model. The free tier gives you unlimited manual credit tracking, email and text reminders for expiring benefits, and access to tools like MealMaxxer. nextcard Pro ($180/year) adds automated Plaid tracking that syncs your transactions automatically so nothing slips through, plus a transaction overview, hotel search, and priority map refresh.
For example, with this tool, you can find several options on the cheaper end of things by applying a pricing filter:
Finding restaurants that accept your Chase Sapphire Reserve dining credit shouldn't require manually filtering through OpenTable searches for every city you visit. MealMaxxer shows the complete list of approximately 400 eligible Exclusive Tables restaurants across 50+ US cities on a single map with filters for price range and cuisine type, which makes planning your $300 in credits way more straightforward. You can use up to $150 every half of the year, so think strategically when redeeming your dining credit before it resets.
No. You just need to pay with your Sapphire Reserve at a qualifying restaurant. No reservation required.
No, the credit doesn't roll over. You get up to $150 from January 1st through June 30th and another $150 from July 1st through December 31st.
You might be able to, as long as the payment is made directly with the qualifying restaurant. If you make the payment through UberEats or a third-party vendor, it will not properly track.
Chase offers $300 annually (split into two $150 periods) at ~400 curated restaurants through OpenTable, while Amex Platinum provides up to $400 annually (split into four up to $100 quarters) through Resy's larger network (enrollment required).
nextcard's Chase Sapphire Reserve Dining Credit Map shows every eligible restaurant across the United States, searchable by city with filters for cuisine and price range, including average cost per person to help you plan your credit usage.
This update removed 64 restaurants from the Chase Sapphire Reserve dining credit list:
The Garden Room (Atlanta); La Condesa (Austin); Toro, Bistro du Midi, and The Banks Seafood and Steak (Boston); The Publican, Bronzeville Winery, Thattu, Valhalla, Khmai, and Moody Tongue Brewing Company (Chicago); José (Dallas); Oak & Reel and Baobab Fare (Detroit); Hau Tree and Kaimuki Shokudo (Hawaii); Brasserie 19 (Houston); Nobu - Caesars Palace Las Vegas, Hell's Kitchen - Caesars Palace Las Vegas, Top of the World Steakhouse - The STRAT Hotel, Casino & Tower, Vanderpump à Paris, Harlo Steakhouse & Bar, and La Strega (Las Vegas); Ronan and Gjelina (Los Angeles); Nami Nori - Design District, L’Atelier de Joël Robuchon - Miami, Ghee - Downtown Dadeland, and The Den (Miami); Manny's Steakhouse (Minneapolis); Pelato - Nashville, Yolan, and International Market - Nashville (Nashville); Muriel's Jackson Square, Tableau, Shaya, The Bower, and San Lorenzo at Hotel Saint Vincent (New Orleans); Phoenix Palace, Gjelina - New York, The Golden Swan, Moody Tongue Sushi, Brass, Di An Di, odo, and Pig and Khao - UWS (New York City); SkyHigh, Vernick Fish, and High Street (Philadelphia); Wrigley Mansion - Geordie's, Christopher's at Wrigley Mansion, and Latha Restaurant (Phoenix); Dolly Olive & Bar Dolly, Jeju, and Han Oak (Portland); Ironside Fish & Oyster, C-Level, Coasterra, Kettner Exchange, Solare Ristorante Lounge, Casa Gabriela, KINDRED, and The Whaling Bar (San Diego); and Che Fico San Francisco (San Francisco).
