Chase Sapphire Reserve Dining Credit Guide & List (Nov 2026)
NCnextcard team
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.
Toro, in Boston's South End, serves Spanish tapas from James Beard Award-winning chef Ken Oringer. I live in the Greater Boston area and Toro seemed like the perfect place to visit. Some of the other Chase Sapphire Reserve® dining credit restaurants are cheaper (eg Celeste or La Royal) but I was intrigued by a tapas style restaurant. I studied abroad in Spain when I was in college and absolutely loved the Spanish food.
Using MealMaxxer, I was able to discover this restaurant and get some rough estimated pricing info.
Plus, the Chase Sapphire Reserve® currently has an incredible welcome bonus offer.
TLDR:
Toro was a fantastic restaurant, but I probably would not have visited if it was not part of the Sapphire Reserve Exclusive Tables program
The Chase Sapphire Reserve® provides up to $300 yearly in dining credits ($150 per six-month period).
Credits post automatically when you pay directly at 350+ participating restaurants nationwide.
You can split bills across multiple Reserve cards and stack credits with Chase points and other rewards.
nextcard's free dining credit map, the Mealmaxxer, shows all eligible restaurants with pricing and city filters.
The Chase Sapphire Reserve® offers up to $300 yearly in statement credits when you dine at participating restaurants. This benefit splits into two six-month periods: up to $150 from January through June, and another $150 from July through December. Credits don't roll over between periods, so unused amounts expire.
You'll earn credits at restaurants listed through Chase's dining program, OpenTable Exclusive Tables, which includes ~400 restaurants in cities nationwide. Credits post automatically to your account within 6 to 8 weeks after eligible purchases.
Detail | What You Need to Know |
|---|---|
Total Annual Credit | Up to $300 per year (up to $150 Jan–Jun + up to $150 Jul–Dec) |
Eligible Restaurants | ~400 locations via OpenTable Exclusive Tables |
How Credits Post | Automatically within 6–8 weeks after purchase |
Payment Method | Pay directly at the restaurant with your CSR |
Enrollment Needed? | No. Credits post automatically, no activation required |
Rollover? | No. Unused credits expire at the end of each 6-month period |
Third-Party Apps | Not eligible (DoorDash, Uber Eats, etc. won't trigger credits) |
Chase runs the Exclusive Tables program with OpenTable, listing ~400 restaurants nationwide as of May 2026. That said, there are only 8 Boston restaurants that are part of the program.
The official list is on OpenTable, but it's clunky to browse. We created the MealMaxxer to fix that. Our map plots every eligible spot geographically with average per-person pricing, so you can filter by city and scan options instead of wading through regional lists.
Getting a reservation was harder than I thought, especially for a Thursday night. I couldn't get one for 6:30pm so I booked one for 5:45pm for me and my girlfriend.
The space is loud and energetic, with bar seating adjacent to the open kitchen.
The space is relatively small and it was packed. My girlfriend and I were seated at a large table in the middle of the restaurant, where multiple couples and other parties sat next to one another.
There's all kinds of cocktails and mocktails on the drink menu. There's also a long list of wines you can order on the back of the drink menu (pictured above). My girlfriend decided to go for a simple Sangria while I got a mocktail—the Na Spritz. It is made with grapefruit soda, elderflower, dragonfruit and prickly pear (pictured below).
The menu is quite extensive with all different kinds of shareable plates.
I really liked the Pintxos—my favorite out of the Pintxos was the Caña de Cabra. The Caña de Cabra comes with bread and goat cheese. The tomato honey on top was divine. The other Pintxo we got was the Txistorra Y Padron which came with Chorizo and peppers. Also very good.
(The Chorizo pintxo is the one with the Spanish flag and the goat cheese pintxo is behind the little flag)
The Maiz Asado was probably my favorite of the larger tapas dishes. It is grilled corn on the cob with cheese, lime and a lovely sauce on top.
My favorite meat dish was the Txuletas de Cordero. It is lamb with salsa verde that comes with confit potato underneath.
For dessert, we decided to go for the Churros. They were crunchy and came with a little cup of chocolate to drizzle over the churros.
Toro is a fantastic restaurant that is eligible for the CSR dining credit. Frankly, I don't know if I would go here if I did not have the credit. My girlfriend and I ended up paying $149 between the two of us—about $75 per person... Expect to pay at minimum $45 per person with food and drinks. Maybe I'd go if it was for an anniversary or a special occasion. Either way it was super cool to go to Toro where I felt like I got a fantastic experience along with amazing food. The waiter was super pleasant and gave us recs on what to get. I really liked the environment because there were lots of people seemingly having a great time.
You don't need to enroll or activate anything. Pay with your Chase Sapphire Reserve® at participating restaurants and credits post automatically to your account. Statement credits should post within 3 business days but may take up to 4 weeks.
The main requirement is that charges must process directly from the restaurant itself. Paying at the physical location or ordering through the restaurant's own website or app qualifies. Third-party processors can cause issues because they may not appear in Chase's system as direct restaurant purchases. This includes delivery apps, certain digital wallet transactions, or mobile card readers.
In my case, I just paid the bill with my physical Sapphire Reserve, and the charge got credited in a few days.
Takeout orders qualify when you pay the restaurant directly, though processing isn't guaranteed. We didn't try anything related to takeout, so no datapoints there.
First visit OpenTable and log into your account. Go to your account settings, select "Linked Cards," and add your . OpenTable will verify the card and unlock exclusive reservations for Chase Sapphire Reserve dining credit eligible restaurants. I've noticed that these reservations usually aren't necessary for dining at a Chase Sapphire Exclusive Tables restaurant.
Just to be totally clear: you don't need an Exclusive Tables reservation to earn the Chase Sapphire Reserve dining credit. Any visit to a participating restaurant qualifies for the automatic credit when you pay directly with your Reserve card. No reservation & no linking required.
We built the Mealmaxxer to help you extract maximum value from every dining transaction. The tool maps all CSR-eligible restaurants with real-time pricing data, and overlays Resy, inKind, Bilt, Blackbird, Seated and Franki locations so you can identify stacking opportunities. Filter by city, sort by price-per-person, and calculate exactly how much credit you'll burn through before you walk in the door.
For instance, Toro is part of both CSR Dining and Franki. I haven't used Franki before, but I imagine there is a way to potentially combine the two for a bill.
Using the Chase Sapphire Reserve $300 dining credit becomes simple once you know which restaurants qualify and how to time your visits. Credits post automatically when you pay directly at participating locations, and you're stacking rewards on meals you were planning to eat anyway. Pull up the restaurant map when you're choosing where to dine, and watch your period limits so you capture the full $300 of value every year. Toro worked out great for my girlfriend and me for the first half of the $300 credit ($150 running from January through June). For the next 6 month period, I am thinking that I will try to get two restaurant visits out of the dining credit.
Credits should post within 3 business days but may take up to 4 weeks after you make an eligible purchase at a participating restaurant. In my case with Toro, the charge appeared within a few days.
Yes, takeout should qualify when you pay the restaurant directly. Third-party delivery apps like DoorDash or Uber Eats won't work because they process as delivery services instead of restaurant charges.
No, you don't need an Exclusive Tables reservation to use the credit. Just pay with your Chase Sapphire Reserve at any participating restaurant and the credit posts automatically. I did not make any special reservation with Toro and got credited.
Yes, you can both earn credits from the restaurant by splitting a single charge or getting two checks, so each cardholder gets their own individual credit.
Unused credits expire and don't roll over. You get up to $150 from January through June and another $150 from July through December, so plan your dining accordingly.
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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.
