Chase Sapphire Reserve Credits in 2026: What Counts and When Each Resets

We make OfferBee, an app that tracks statement credits and their reset dates, so treat this as interested but checkable. Every figure below was read off Chase's own product page and benefit terms on 2026-09-08, and the anniversary definition is quoted verbatim because it is the single most misread sentence on this card.

Most Sapphire Reserve write-ups list the credits and add them up. The addition is the easy part. The part that costs people money is that one of these credits does not run on the calendar and the other ten do, and that one is the biggest, the most flexible, and the one everybody assumes resets in January.

Every Reserve credit, 2026

Annual fee: $795, plus $195 for each authorized user.

The seven credits available to every cardholder without a spending threshold (travel, The Edit, select hotels, dining, StubHub, Lyft, Peloton) total $1,890 in face value against a $795 fee, plus the DashPass membership Chase values at $120.

Counting the monthly DoorDash promos alongside them, 2026 contains 43 separate earning windows: one anniversary window, two calendar-year windows, four semi-annual halves, and 36 monthly windows across Lyft, Peloton and DoorDash.

The anniversary credit, in Chase's own words

This is the sentence to read twice. From the $300 Annual Travel Credit terms:

"A statement credit will be automatically applied to your account for purchases made in the travel category, up to an annual maximum accumulation of $300. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year."

So the window is anchored to the day you opened the account. If you opened the Reserve in March, your travel credit year runs March to March. On December 31 nothing happens to it. On January 1 nothing happens to it. It renews in March, quietly, and if you have not spent it by then the previous year's $300 is gone.

Now put that beside the card's other credits, which Chase defines on the opposite clock: "Calendar year means January 1 through December 31 of that same year." One card, two definitions of "annual", both correct, both in the same terms document. A cardholder who learns one rule and applies it to everything will be wrong about roughly half their money.

The Reserve is not alone in this. The Chase Sapphire Preferred's $100 Chase Travel Hotel Credit uses the identical anniversary language, so a household holding both cards is running two anniversary clocks and a calendar clock at once.

Practical consequence: if you do not know your account open date, you do not know when your largest and most flexible Reserve credit resets. It is on your statement, and Chase's terms say you can call the number on the back of the card to ask about eligibility for your next credit. Find it once and write it down.

What actually counts

Travel Credit ($300). Purchases in the travel category, applied automatically. No portal requirement, no activation. Worth knowing: purchases that qualify for this credit do not earn points. Chase's earning terms exclude them explicitly. So the credit is worth $300, not $300 plus points.

The Edit ($500). From 1/1/2026 the structure changed: a statement credit of up to $250 per qualifying purchase, up to $500 total per calendar year. Qualifying purchases are prepaid "Pay Now" stays of two nights or more booked through The Edit by Chase Travel. Note the shape: the $250 is a per-transaction cap, not a semi-annual half, so two qualifying stays in the same month can capture the full $500. As with the travel credit, qualifying purchases do not earn points.

Select hotels through Chase Travel ($250). This one is defined for calendar year 2026 specifically: prepaid two-night-minimum stays at IHG, Montage, Pendry, Omni, Virgin, Minor, and Pan Pacific properties booked through Chase Travel, up to $250 in 2026. It is not described as recurring. Treat it as a benefit with an expiry date rather than an annual allowance.

Dining ($300). $150 from January 1 through June 30 and $150 from July 1 through December 31, at restaurants in the Sapphire Reserve Exclusive Tables list. Chase notes the restaurant list is subject to change and that purchases must be identifiable as made directly with the restaurant, a booking made through a third party may not qualify.

StubHub and viagogo ($300). Same two halves, same dollar split, but activation required and running only through 12/31/2027. Excludes gift cards, and must be purchased directly through StubHub or viagogo's own site or app.

Lyft ($120). $10 each calendar month through 9/30/2027, applied in the Lyft app rather than as a statement credit. It goes to whoever adds their Reserve card to Lyft first. Keep this in mind on an account with authorized users. It covers the ride subtotal only, not fees, taxes or tips.

Peloton ($120). Up to $10 a month, capped at $120 per calendar year, through 12/31/2027. Memberships bought through the Apple App Store or Google Play do not qualify; you have to sign up through Chase's Peloton link with the card on file. This is the kind of condition that produces a "my credit isn't working" support call six months in.

DoorDash. Complimentary DashPass for at least 12 months if activated by 12/31/2027, which Chase values at $120. On top of that, DashPass members get a $5 monthly restaurant promo and two $10 promos each calendar month on non-restaurant orders. These are checkout discounts, not statement credits. Unused value is forfeited, each $10 discount must be used on a separate order, and if you spend less than $10 the remainder is lost.

The two credits behind a spending wall

Spend $75,000 on the card in a calendar year and Chase unlocks a further tier: a $250 The Shops at Chase credit, a $500 Southwest Airlines Chase Travel credit, plus World of Hyatt Explorist, IHG One Rewards Diamond Elite and Southwest Rapid Rewards A-List status. Those benefits apply for the rest of the qualifying year and continue through the following calendar year.

Two things to note. The spend is measured January 1 through December 31, not on your anniversary (a third clock). And downgrading and re-upgrading resets the count: Chase's terms say spend before a downgrade does not count toward that year's $75,000.

If you are not going to spend $75,000, ignore this tier entirely when you value the card. It is not part of the $795 proposition.

The clause everyone skips

Buried in the dining, StubHub and Edit terms is the same sentence:

"Statement credit periods end at 11:59 PM ET on the last day of the period. Please note that merchant delays in the processing or submission of transactions can cause purchases made during one statement credit period to be allocated to the next period."

Read that as written: a purchase made inside the window is not guaranteed to land inside the window. A December 29 dinner can post in January and consume the new half's $150 rather than the old one's. Chase is telling you plainly that the last few days of any period are not reliable.

So the operating rule is to treat a period's real deadline as roughly a week before its stated one. That is not paranoia; it is the terms.

Is $795 worth it?

The honest version of that question is not "does $1,890 exceed $795"; it obviously does on paper. It is: how much of that $1,890 would you have spent anyway?

The $300 travel credit is close to unconditional for anyone who travels, and it is the strongest line on the card for exactly that reason. The dining and Edit credits are real if your habits already match them and worth zero if they do not. The Peloton and StubHub credits are worth their face value to a fraction of cardholders and nothing to the rest.

Do that subtraction with your own numbers before renewal, not from a roundup's total. And do it against what you captured last year rather than what was available; those are different numbers, and the difference is the whole reason a page like this exists.

Holding three clocks at once

The Reserve is the clearest case in the category for tracking that understands cycles rather than dates. An anniversary credit, a set of calendar-year credits, two semi-annual halves, three monthly credits, and several benefits with hard 2026 and 2027 end dates is not a list you keep in your head.

OfferBee tracks each credit on its own cycle, including anniversary-based ones, and marks a credit used when the qualifying charge posts, on iOS and Android. A calendar with eleven recurring events set to the right dates does the same job, provided you set the anniversary one to your actual account open date.

---

Every amount, cycle, activation requirement and end date above was read off Chase's own product page and benefit terms on 2026-09-08, and the anniversary definition is quoted verbatim. Card terms change, several of these credits carry explicit 2026 and 2027 expiry dates, and the authoritative version for your account is in the Benefits section on chase.com. We re-check this page quarterly; if the date above is stale, treat it as indicative.