Chase Dining: Use it Before It’s Phased Out

Since its beginnings in 2021, Chase Dining has been a valuable perk within the Chase Ultimate Rewards ecosystem, giving cardholders exclusive access to dining reservations, chef-driven events and the opportunity to redeem points for memorable culinary experiences.

But that’s coming to an end.

Chase announced that the Chase Dining℠ storefront will be decommissioned and cardmembers will no longer be able to redeem points towards pre-paid restaurant reservations or earn an elevated rate of points on Chase Dining purchases.

This move is consistent with Chase’s pivot to a new, more curated offering: Sapphire Reserve® Exclusive Tables.

So what does this mean for cardholders? And is Chase Dining still worth using before it disappears?

Here’s what you need to know.

Sapphire Reserve® Exclusive Tables: What You Need to Know

Instead of a broad dining marketplace, Chase is now focusing on delivering premium dining experiences to eligible cardholders through the Sapphire Reserve Exclusive Tables program.

Powered through the OpenTable platform in partnership with the Visa Dining Collection, the Sapphire Reserve Exclusive Tables program offers dining events and culinary experiences curated by The Infatuation (a food media brand owned by Chase).

It includes a range of restaurants and culinary experiences spread across the United States, Canada and Mexico.

Unlike the Chase Dining program, which is open to Sapphire, Ink and Freedom cardholders, the Sapphire Reserve Exclusive Tables program is available to the following cardholders only:

• Chase Sapphire Reserve®
• J.P. Morgan Reserve Card
• Chase Sapphire Reserve for Business℠

While the Sapphire Reserve Exclusive Tables program lacks the accessibility, broad selection and prepaid experiences of Chase Dining, it offers a more exclusive service with premium access to highly sought-after restaurants.

Additionally, Chase Sapphire Reserve cardholders benefit from an annual $300 dining credit toward spending with restaurants belonging to the Sapphire Reserve Exclusive Tables program. The Chase Sapphire Reserve dining credit is issued in semi-annual $150 credits, allowing you to benefit from a substantial discount twice per year.

Those who have applied and been approved for the Sapphire Reserve on or after June 23 of this year will benefit from this credit immediately. For those who applied for the card prior to this date, you’ll receive the dining credit as of Oct. 26, 2025.

However, if you were an existing Sapphire Reserve cardholder prior to June 23—or if you applied for the card prior to this date—you can still benefit from exclusive perks with Chase Dining until Oct. 26. Some of these perks are particularly valuable, so let’s see how you can squeeze the most value out of Chase Dining before it ends.

What is Chase Dining and How Does it Work?

Chase Dining is a curated platform within the Chase Ultimate Rewards ecosystem that offers exclusive access to reservations, culinary events and premium experiences.

Available to Sapphire, Ink and Freedom cardholders, the program connects users with top-tier restaurants, limited-time pop-ups and celebrity chef experiences, many of which are not accessible through typical dining apps.

The dining portal is integrated into Chase Travel℠, making it easy to book experiences using either cash or points. Chase has partnered with Tock, a reservation platform that specializes in premium and experiential dining, to power this service.

Key Benefits of the Chase Sapphire Reserve Dining Program

While Chase Ink, Sapphire and Freedom cardholders can all access the Chase Dining program, Chase Sapphire Reserve cardholders benefit the most.

That’s because Chase Sapphire Reserve cardholders can earn 10X points per dollar spent on pre-paid Chase Dining reservations. Only reservations that are prepaid are eligible for 10X points, so any additional in-person spending will not qualify for the bonus rate.

That means that a $200 pre-paid dinner would earn you 2,000 Ultimate Rewards points—a solid rate of return on your spending.

While the revamped Chase Sapphire Reserve no longer offers 10X points on Chase Dining or Sapphire Reserve Exclusive Tables purchases, those who held or applied for the Sapphire Reserve prior to June 23 can still benefit from this earning rate until Oct. 26.

Accessing the Chase Dining Portal

To access the Chase Dining portal, follow these steps:

1. Log in to your Chase account via the Chase app or the desktop website.
2. Select your eligible card.
3. Click “Earn/Use.”
4. Navigate to “Shopping & Experiences.”
5. Browse through the restaurants and select the one you like.
6. Prepay for your reservation using your Sapphire Reserve card to earn 10X points per dollar spent.

Maximizing Value Through Chase Experiences

Special Dining Events and Pop-ups

Through Chase Dining, you can book a wide range of experiences tailored to food lovers. These include tasting menus at Michelin-starred restaurants, where multi-course meals are paired with curated wine selections or cocktails.

In addition, Chase Dining frequently features chef-hosted dinners and pop-up events, giving diners access to limited-time collaborations, seasonal dishes and one-night-only culinary showcases.

Similarly, certain Chase Dining experiences offer exclusive reservations that aren’t available through other platforms, making it ideal for securing hard-to-book tables at top-tier restaurants. Many of these offerings are prepaid—allowing you to benefit from the 10X points multiplier—and may include extras such as wine pairings, specialty courses or welcome cocktails, depending on the venue and experience.

While availability varies, the most robust selection of Chase Dining experiences is concentrated in major metropolitan areas, such as New York City, San Francisco, Chicago, Los Angeles, Washington, D.C. and Miami, where culinary partnerships are most active and rotating events are added frequently.

Points Redemption Strategy for Chase Dining

Chase Sapphire Reserve cardholders who held or applied for their card prior to June 23 can redeem their Ultimate Rewards points for dining purchases at a rate of 1.5 cents apiece via the Chase Dining portal, until Oct. 26.

That means 10,000 points translate to $150 in dining value and 20,000 points could easily cover a $300 tasting menu or event ticket.

If you don’t have enough points to cover the full cost, the Chase Dining portal also lets you split payments between points and cash, giving you the flexibility to stretch your rewards across multiple experiences and maximize your Ultimate Rewards points.

Restaurant Reservation Features

Top Cities for Chase Dining Options

The Chase Dining program includes thousands of restaurants across more than 100 cities.

Some of the most popular cities for Chase Dining experiences include:

• Austin
• Chicago
• Las Vegas
• Los Angeles
• Miami
• New York City
• San Francisco
• Washington, D.C.

You can also find numerous Chase Dining affiliated restaurants outside of these cities.

These metropolitan hubs feature not only the highest number of Chase Dining experiences today, but are also likely to receive the earliest and broadest rollout of the upcoming Sapphire Reserve Exclusive Tables, as Chase shifts its focus to more curated offerings.

Making and Modifying Reservations

Once you’ve booked a reservation or experience through Chase Dining, managing it is easy.

You can view and modify your upcoming bookings by heading to the “My Reservations” section within Chase Travel℠. This dashboard allows you to see details about your reservation, including the date, time, location and number of guests. If changes are allowed, you’ll have the option to reschedule or cancel directly through the Chase Dining.

That said, not all bookings are flexible. Certain prepaid experiences or ticketed events are non-refundable or have strict cancellation policies.

It’s common for restaurants and events to require 48 to 72 hours’ notice for modifications or cancellations, especially for exclusive or one-night-only events. Be sure to read the fine print before finalizing your booking. After making a reservation, you’ll receive a confirmation email and can also check the status within your Chase account at any time.

Chase Dining vs. Competing Programs

Chase Dining holds its own compared to other card issuer dining programs, particularly for Sapphire Reserve cardholders.

Eligible Sapphire Reserve users can redeem points at 1.5 cents apiece (until Oct. 26), outpacing both American Express’ Global Dining Collection and Capital One Dining, where points can be redeemed for a maximum of 1 cent apiece.

While Amex partners with Resy and Capital One uses SevenRooms, both programs focus more on securing hard-to-get reservations and offering priority access to high-demand restaurants. Chase Dining, by contrast, has emphasized event-style bookings and prepaid tasting menus.

However, with the phase-out of Chase Dining on the horizon, its new program is beginning to align more closely with its competitors, shifting toward curated access through Sapphire Reserve Exclusive Tables, where the emphasis will be on exclusivity, quality and high-demand restaurants.

Making the Most of Your Chase Experiences

Chase Dining has been a unique and valuable—if somewhat underutilized—addition for cardholders,especially those with the Sapphire Reserve. While the program is ending in October 2025, eligible cardholders can still enjoy exclusive reservations, earn bonus points and redeem Ultimate Rewards points for premium dining experiences.

Looking ahead, Chase is shifting focus to Sapphire Reserve Exclusive Tables, signaling a move toward quality and exclusivity.

So, whether you’re planning an anniversary dinner or want to hit the town with your friends, Chase Dining is still worth exploring while it lasts.