Chase Sapphire Reserve's The Edit credit: What to know
Editor's Note
If you're a Chase Sapphire Reserve® (see rates and fees) or Chase Sapphire Reserve for Business℠ (see rates and fees) cardholder, you might be familiar with The Edit, Chase's premium collection of more than 1,000 properties bookable via Chase Travel℠.
If you haven't explored what you can reserve with The Edit, take a peek. Some of the properties are pricey — like Chilean desert oasis Tierra Atacama, which costs upward of $2,860 per night. Others are more affordable — like the Kimpton Epic Hotel in Miami, which starts around $279 per night.
Your Sapphire Reserve and Sapphire Reserve for Business include perks that offer real value and are easy to use. Cardholders can enjoy a $500 The Edit credit, and, in 2026, a $250 statement credit toward certain hotel bookings made through Chase Travel.
Here's what you need to know to maximize the value of The Edit credit featured on these two cards.
The Edit credit on Sapphire Reserve card details
Currently, the Edit credit on the Sapphire Reserve and Sapphire Reserve for Business (which applies to prepaid stays of at least two nights) can't be used all at once.
Cardholders automatically receive up to $250 in statement credits on qualifying purchases between Jan. 1 and June 30 and another $250 between July 1 and Dec. 31 each year. As long as you book a stay at a property from Chase's curated The Edit portfolio, you'll see the credit post within six to eight weeks, per Chase (though several TPG staffers have reported seeing similar credits post much sooner).
That changes starting Jan. 1, 2026, when the credit will no longer be split biannually. Instead, cardholders receive up to $500 in total statement credits to use, with a maximum of $250 per transaction.
This means you must book two separate prepaid stays of two nights or more — back-to-back — to receive the full $500 The Edit credit in one go.
If you don't have a need to max out this credit all at once, you'll end up with two separate $250 statement credits you can use at your leisure.
Also starting Jan. 1, 2026, Sapphire Reserve and Sapphire Reserve for Business cardholders will receive up to $250 in statement credits on prepaid Chase Travel hotel bookings for stays with the following brands. (Two-night minimum required; must book by Dec. 31, 2026, to receive the credit.)
- IHG Hotels and Resorts
- Minor Hotels
- Montage Hotels and Resorts
- Omni Hotels and Resorts
- Pan Pacific Hotels and Resorts
- Pendry Hotels and Resorts
- Virgin Hotels
Perks of booking a stay with The Edit include:
- A $100 property credit
- Daily breakfast for two
- Early check-in and late checkout (if available)
- Room upgrades (if available)
All travel booked via Chase Travel — including The Edit reservations — earns 8 points per dollar spent.
But similar to the popular $300 travel credit (which does not have to be used within Chase Travel), the $500 The Edit credit does not earn Ultimate Rewards points. You'll begin earning points on Chase Travel purchases once you've used up The Edit credit.
Related: Chase's 5/24 rule — everything you need to know
How to maximize The Edit credit on Sapphire Reserve cards
With a $795 annual fee on either the Sapphire Reserve or the Sapphire Reserve for Business, maximizing their perks is important. You want to make sure the value you get out of a card with a big price tag is worth it.
Luckily, there are multiple ways to maximize this credit. For one, you can use your Sapphire Reserve card to pay for a hotel within The Edit, receive $250 in statement credits, and use your Ultimate Rewards points (with elevated value if the stay is Points Boost-eligible) to cover the rest of your stay.
TPG contributing editor Matt Moffitt used his $250 credit toward a stay at the Urso Hotel and Spa in Madrid, Spain, which lowered the $847.31 price tag for two nights to $597.31. From there, he was able to use 29,850 Chase points to cover the remaining costs of the stay, as the property was Points Boost eligible at a value of 2 cents per point. (Not all The Edit properties offer a fixed 2-cent-per-point redemption value; Chase says it is up to 2 cents.)
You can also maximize the value of The Edit credit by booking your travel together, whether it's a flight and a rental car, a few nights at a hotel or a fun activity on your next trip.
Related: What’s the difference between Chase’s The Edit properties and Points Boost?
Bottom line
The Edit credit on the Sapphire Reserve and Sapphire Reserve for Business is a solid perk for cards with high annual fees.
If you want to get the most value from your Sapphire Reserve card, maxing out the statement credits — and using the benefits associated with booking a stay at one of The Edit properties, such as the $100 property credit — is a good place to start.
To learn more, read our full reviews of the Sapphire Reserve and Sapphire Reserve for Business.
Apply here: Chase Sapphire Reserve
Apply here: Chase Sapphire Reserve for Business
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.