After several back-and-forth attempts, Chase finally approved my $150 Sapphire Reserve dining credit but only after I sent a secure message through Chase.com that included:
Proof of purchase (email receipt)
A screenshot of the denial letter
A screenshot from OpenTable confirming the restaurant participates in Sapphire Reserve Exclusive Tables
For context, I bought a $150 gift card on December 31, 2025. Before purchasing, I verified on OpenTable that the restaurant qualified for the dining credit. A week passed and no credit posted to my account.
I called Chase. The first rep said the transaction was eligible but warned that since it posted in January 2026, it might not count toward the 2025 benefit year. We also discussed how the merchant name appears differently due to the restaurant’s POS system. They submitted it for manual review and said it would take about seven business days.
Two weeks later, I called again and was told the request had been denied due to missing information. I asked for escalation, was told it would take another three business days, and still saw no credit.
On my third call, I explained how frustrating the process had been. The rep confirmed both prior reviews were denied but submitted another request, noting that the phone number on the transaction matched the one listed on the restaurant’s website.
At that point, I also sent a secure message with all documentation attached. The next day I received confirmation that my case was forwarded to the appropriate department, and a few days later the $150 dining credit posted for 2025. About a week after that, I received the official approval letter.
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