Chase Sapphire Reserve statement credits: A complete guide

The Chase Sapphire Reserve® (see rates and fees) is one of our top picks in the premium travel rewards card market.

The card carries a $795 annual fee and a robust set of statement credits that can provide more than $2,000 in annual value when fully utilized.

Many of these credits are easier to use than you might realize. And even if you can’t use all of them, the Sapphire Reserve’s non-quantifiable benefits, like lounge access and travel protections, make it worth keeping in a frequent traveler’s wallet.

Let’s dive into the credits the Sapphire Reserve offers.

Overview of Sapphire Reserve credits

Here are the credits the Chase Sapphire Reserve offers:

Credit	Value
	Up to $500 (split into two up-to-$250 credits that can be used at any time but cannot be combined) for prepaid bookings of two nights or more booked via Chase Travel℠
	Up to $300 each account anniversary year for a broad suite of travel purchases
	Up to $300 each year (up to $150 from January through June and up to $150 from July through December) for Sapphire Reserve Exclusive Tables
	Up to $300 each year (up to $150 from January through June and up to $150 from July through December) for purchases with StubHub and Viagogo through Dec. 31, 2027. One-time activation is required.
	Up to $300 (two separate monthly $10 non-restaurant promos and one monthly $5 restaurant promo when you activate your DashPass membership by Dec. 31, 2027)
	$288 complimentary Apple TV+ and Apple Music subscriptions each year. One-time activation for each service is required. These subscriptions run through June 22, 2027.
Global Entry, TSA PreCheck or Nexus	Up to $120 (every four years)
	Up to $120 each year ($10 monthly membership credit through Dec. 31, 2027)
	Up to $120 each year (up to $10 in monthly in-app credit on Lyft rides through Sept. 30, 2027)
	$500 (requires $75,000 or more in spending)
	$250 (requires $75,000 or more in spending)

The Edit

The Edit by Chase Travel is Chase’s luxury hotel booking platform. Simply book a prepaid stay of at least two nights through The Edit, and your account will be credited up to $250.

You’ll receive two $250 credits, which can be used anytime during the year, but cannot be combined. A two-night minimum stay is always required.

With The Edit properties, you’ll be able to earn hotel rewards and receive elite benefits that you normally don’t see when booking through an online travel agency.*

For example, if you book a hotel through The Edit that is a World of Hyatt property, you’ll earn Hyatt points and receive any elite status benefits as long as you put your Hyatt membership number on the booking.

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*Exception: Small Luxury Hotels properties booked through The Edit do not earn Hilton Honors points nor receive elite status benefits.

The front entrance of the Park Hyatt Paris-Vendôme — Park Hyatt Paris-Vendome. SUMMER HULL/THE POINTS GUY

However, we must note you will not earn any Chase points on the portion of your The Edit stay covered by the credit.

Additionally, when staying at a property booked through The Edit, you’ll receive several perks, including complimentary breakfast, room upgrades (if available) and a $100 property credit.

If you stay in a high-end hotel at least once or twice per year, you should have no problem using this credit. Just remember that it must be triggered by booking through The Edit by Chase Travel.

Additionally, in 2026, cardholders receive a separate, one-time $250 credit to use at select Chase Travel hotels, such as IHG, Omni and Virgin Hotels (a two-night minimum is required). This credit must be used by Dec. 31.

Pro tip: If you have free night certificates from hotel loyalty programs, try to stack them on top of any nights booked with The Edit credit. For example, you could use The Edit credit for two nights and use a free night certificate on the third night, and you’ve got yourself a long-weekend getaway.

General travel

The Chase Sapphire Reserve has a $300 annual travel credit. The credit is extremely flexible, covering any travel purchase (unlike the travel credit on the Capital One Venture X Rewards Credit Card, which must be redeemed through the Capital One Travel portal).

Chase broadly defines travel and includes many everyday expenses, such as buses, parking and tolls.

Person traveling by train — RISKA/GETTY IMAGES

This credit is automatically applied and should be easy for most cardholders to maximize — just remember that, since it’s automatic, you’ll have to be strategic about which purchases you make with your card if you’re trying to save the full amount for a specific travel-related purchase.

It’s important to note you won’t earn any bonus points on purchases covered by this credit.

Dining

With the Chase Sapphire Reserve, you’ll receive an up to $300 dining credit (up to $150 biannually) at Sapphire Reserve Exclusive Tables.

Top restaurants in major U.S. cities, like Chicago, Los Angeles, Miami and New York City, participate in the program, and the list of restaurants is expanding. This credit functions similarly to the Resy credit with American Express.

Night life in Shinbashi district, Tokyo, Japan — ALEXANDER SPATARI/GETTY IMAGES

For the credit to be triggered, you simply need to pay with your Sapphire Reserve at an eligible restaurant participating in Sapphire Reserve Exclusive Tables. No reservation or activation is required.

This credit might be more challenging to use, as it is not available in every city, and the number of restaurants is limited. However, if you are in a city with participating restaurants, this could be your chance to try something new or use it for a special occasion.

Pro tip: Add your Sapphire Reserve card to Rakuten to earn cash back when dining at certain restaurants. Some Sapphire Reserve Exclusive Tables restaurants may be on Rakuten, allowing you to double-dip on earnings. Additionally, you can also try inKind, which offers cash back when you dine at select restaurants.

StubHub and Viagogo

If you are a fan of live entertainment or sports, this credit should be easy to use. The next time an artist’s popular tour or your favorite sports team rolls through your city, you can effectively receive up to $300 off the cost of tickets. Even if you only go to a live event once a year, you should be able to extract some value.

StubHub and Viagogo are two of the biggest ticket marketplaces in the world. You will receive up to $150 biannually when making ticket purchases through Dec. 31, 2027, with StubHub or Viagogo (activation required).

Sapphire concert series Odesza — CAROLINE TANNER/THE POINTS GUY

Simply use your Sapphire Reserve to purchase tickets with StubHub or Viagogo, and this credit will be automatically applied. However, note that StubHub and Viagogo are ticket resale platforms, so prices may be higher than face value.

Pro tip: Click through Rakuten before going to StubHub or Viagogo, as you may be able to earn additional cash back or Amex Membership Rewards points. Additionally, check StubHub and Viagogo on the day of the event you want to attend — often, ticket prices drop significantly on that day. And toggle on “Include estimated fees” under “Price Display Options” in the search filters to see the total cost of your tickets, including fees.

DoorDash

The Chase Sapphire Reserve offers three monthly DoorDash promos. You’ll receive two $10 non-restaurant promos and one $5 restaurant promo each month.

The non-restaurant promos can be used to grab a sweet treat or a late-night snack from your favorite convenience or grocery store. Anybody who orders delivery should be able to use this credit. Additionally, you’ll receive a complimentary DashPass membership, giving you $0 delivery fees and reduced service fees on eligible orders.

doordash scooter parked on street — DOORDASH

It’s important to note that you must use your Sapphire Reserve as your payment method to receive these benefits. If you don’t use the full credit on a single order, the remaining value is forfeited. (You must activate by Dec. 31, 2027, to receive both benefits.)

I usually save at least $15 on delivery costs each month. For anyone who orders food delivery, this credit shouldn’t be hard to use.

Pro tip: If possible, order pickup to save on service fees.

Apple

The Chase Sapphire Reserve provides you with complimentary Apple TV+ and Apple Music subscriptions, valued at $288 per year.

With Apple TV+, you can watch popular movies and hit shows like “Ted Lasso” and “Silo,” and with Apple Music, you can stream over 100 million songs.

woman sitting at a table looking at her phone — BLOOM PRODUCTIONS/GETTY IMAGES

If you already subscribe to these services, you can cancel your current subscriptions and activate complimentary ones to save a few bucks every month.

If you’re not a current subscriber, you may just find your next binge-watch with Apple TV+, and hey, Spotify users, you can give Apple Music a try and help settle the never-ending debate on which streaming service is better.

(A one-time activation is required per service, and you need to activate Apple TV+ and Apple Music separately through Chase’s website or the Chase app. These subscriptions run through June 22, 2027.)

Global Entry, TSA PreCheck or Nexus

You’ll receive up to $120 in application fee credit every four years for Global Entry, TSA PreCheck or Nexus. These programs offer expedited entry into the U.S. and Canada and expedited airport security screening across the country.

Pro tip: To extract maximum value, I’d recommend Global Entry, as it includes TSA PreCheck. Also, if you already have Global Entry and TSA PreCheck, you can use this credit for a friend or family member and pay the application fee with your card.

Peloton

With the Chase Sapphire Reserve, you’ll receive up to $120 annually (up to $10 per month) on Peloton membership purchases (through Dec. 31, 2027; activation required; pay with your Sapphire Reserve in your Peloton account or app to receive your credit). While you may think you need a Peloton machine to use this credit, you don’t.

If you’re a Peloton equipment owner, this is a useful credit as it effectively saves you $10 per month on any membership, and you need a membership to access the majority of the content. Memberships run from $9.99 to $124.99 per month (plus tax).

an unseen person uses a stationary exercise bike — HILTON

Additionally, if you don’t have Peloton equipment currently and have been eyeing a bike or treadmill, you can earn 10 points per dollar spent on Peloton equipment and accessory purchases of $150 or more (through Dec. 31, 2027; maximum of 50,000 points).

Pro tip: Even if you don’t own Peloton equipment, you can still use the credit for a Peloton App One membership, which gives you exercises to do at home or on the road.

Lyft

You’ll receive up to $10 in monthly Lyft in-app credits ($120 annually; through Sept. 30, 2027; does not apply to Wait & Save, bike or scooter rides).

This credit is fairly straightforward to use: Simply book a ride on the Lyft app. The credit is added to your Lyft account on the first of each month, and if you don’t use it all, it will be forfeited.

Lyft signage at a vehicle rental location in San Francisco, California, US, on Thursday, Feb. 8, 2024. Lyft Inc. is scheduled to release earnings figures — LOREN ELLIOTT/BLOOMBERG/GETTY IMAGES

If you take at least one ride a month, you should have no issues using this credit.

Additionally, you’ll earn 5 points per dollar spent on Lyft rides (through Sept. 30, 2027).

Pro tip: Pair your Lyft account with one of its loyalty rewards partners — like Alaska Airlines Mileage Plan, Bilt Rewards or Hilton Honors — to double dip and earn Ultimate Rewards points and another loyalty program’s rewards when using Lyft.

Earned credits

While not all Chase Sapphire Reserve cardholders may be able to spend at least $75,000 on their card each calendar year, if they do, they’ll unlock a $250 Shops at Chase credit and a $500 Southwest Airlines credit.

The Shops at Chase is an online shopping portal where you can purchase products from popular brands like Apple and Sony using points or your own funds.

In addition to these credits, after spending $75,000 in a calendar year, you’ll also earn IHG One Rewards Diamond, Southwest Rapid Rewards A-List and World of Hyatt Explorist status until the end of the following program year.

These credits and perks are not significant enough for most cardholders to justify targeting the $75,000 spending threshold, but they can offer extra value if you reach it organically.

Bottom line

The Chase Sapphire Reserve offers statement credits worth over $2,000 annually.

Even if you only take advantage of a portion of these credits, you could still come out ahead — and that’s before factoring in premium perks like lounge access and travel protections. With practical, diverse and easy-to-use benefits, the Sapphire Reserve remains a compelling card to keep in your wallet.

To learn more, read our full review of the Chase Sapphire Reserve.

Apply here: Chase Sapphire Reserve

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Stacie Harris

Stacie Harris is a local resident and reporter of the Maple Grove area. Stacie reports on medicine and science for the Maple Grove Report.

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Recent Reviews

Which Type of Sauna Offers More Health Benefits: Dry, Steam, or Infrared?

Fact checked by Nick Blackmer

Saunas and steam rooms use heat to improve circulation, support muscle recovery, and reduce stress.
Regular heat exposure may benefit heart health, mood, and inflammation, though more research is needed.
Different types of saunas and steam rooms offer similar benefits, so choosing one depends on personal preference and goals.

People have been using the heat therapy from saunas and steam rooms for centuries to improve well-being and promote relaxation. Not only do these tools support muscle recovery after an intense workout, but they also boost circulation and reduce stress.

What Happens to Your Body in a Sauna?

Regular sauna use can have a positive impact on your body. Short bursts of intense heat raise your skin and body temperature, which researchers have found triggers your brain to start regulating your temperature. This activates systems in your body that control your stress levels and your hormones. You may notice changes like an increased heart rate, improved blood flow to your skin, and sweating.

Sauna use causes blood vessels to widen and may, over time, support reduced inflammation and cellular stress responses—but it’s not a direct or immediate cure-all for cell damage or inflammation.

Some researchers believe that the stress from the high heat may also mimic exercise and could be useful for people with limited mobility. However, more research is needed to fully understand the health benefits.

The Three Main Types of Saunas, Explained

There are several different types of saunas, such as dry saunas, infrared saunas, and steam rooms. Here's what you need to know about each.

Dry Sauna (Traditional Sauna)

A traditional or dry sauna offers high heat and low humidity and is usually found in local gyms and spas. Typically, the air is dry with 10% to 20% humidity, and the room is heated to a high temperature of at least 176 degrees Fahrenheit, sometimes higher.

Steam Sauna

A steam room uses water vapor to create a warm, moisture-filled room with dense, misty air. For comfort, most steam rooms operate at a lower temperature than saunas, typically around 110 to 120 degrees Fahrenheit, but can feel warmer due to the humidity. Like saunas, you can find them at gyms and spas.

Infrared Sauna

These saunas are dry saunas that emit infrared light waves to heat the body directly and do not use water or humidity. They can run a wide range of temperatures, from 113 to 165 degrees Fahrenheit. These types of saunas are popular in wellness spaces or among those who practice “biohacking.”

Potential Health Benefits and Risks of Saunas

Regular use of saunas and steam rooms can support heart health, improve circulation, and boost muscle recovery, as heat therapy increases blood flow and reduces tension.

There’s also some limited evidence that it can rid your body of impurities and heavy metals. However, more research is needed to fully understand the health benefits of heat therapy. Heat therapy is not widely studied, particularly regarding steam rooms.

The available research is promising. Here are some ways you might benefit from using a sauna or steam room.

Boosts heart health: A long-term, 15-year study found that visiting a sauna two to three times a week lowered the risk of dying from heart disease by 25% compared with once per week. Meanwhile, using the sauna four to seven times a week decreased this risk by 77%.
Enhances exercise benefits: One study found that combining regular sauna use with regular exercise can improve heart health by lowering cholesterol and blood pressure.
Promotes longevity: Your lifespan could potentially be longer when you use a sauna regularly, according to a 2021 review of several large studies. Researchers found that sauna use can slow aging, largely due to its cognitive, heart, and muscle benefits.
Improves mood: Regular sauna users may experience less depression and anxiety, and can be a useful tool for people in high-stress jobs.

Who Shouldn't Use Saunas?

While there are a number of benefits to utilizing a sauna or a steam room, these tools are not right for everyone.

For instance, people with certain heart conditions or those who are heat-sensitive may experience more adverse reactions than benefits from heat therapy.

Overuse can also cause dehydration, muscle cramps, and electrolyte loss. Consult with a healthcare provider before using a sauna or steam room, especially if you have any underlying health concerns.

Is One Type Actually Better for You?

There is little research identifying which type of heat therapy is best for overall health and well-being. Instead, both have benefits and can help you achieve your wellness goals. Most of the well-supported benefits come from heat exposure itself, rather than from the specific sauna type.

When deciding between the two, choose the sauna or steam room based on which you have the most access to—you will benefit from either. However, if you have access to both a sauna and a steam room, use the one you prefer and are more likely to stick with in order to see long-term benefits.

If your goal is health (especially heart health), consistency matters far more than the type of sauna you pick.

Which Sauna Should You Choose Based on Your Goals?

If you are fortunate enough to have regular access to both a sauna and a steam room, then you can make a choice between the two based on your goals:

For skin concerns: A steam room. If you suffer from dry skin or want to open your pores, the moist heat can hydrate your skin, encourage detoxification, and boost skin health.
For detoxification: A dry or infrared sauna. Because saunas cause you to sweat, your body may flush out toxins and impurities. There’s also some evidence that using a sauna can help rid your body of heavy metals.
For improved circulation and heart health: A dry or infrared sauna. These can help dilate your blood vessels and improve blood flow. These changes, when done consistently, could benefit heart health.
For improved breathing: A steam room. Moist heat is effective at opening your airways. Some people find that saunas are helpful for conditions like asthma.
For relaxation: Any. Not only does the atmosphere of saunas help reduce stress levels, but it also can improve mood and overall well-being.
For muscle recovery: Any. In a steam room, the moist heat will soothe sore muscles and joints and can be useful for conditions like arthritis or muscle stiffness. Meanwhile, dry or infrared saunas can promote relaxation, soothe muscle tension, and reduce pain and discomfort.