How I Maximized Chase Sapphire Reserve’s Luxury Hotel Credits

When Chase revamped the Chase Sapphire Reserve^® and introduced the Sapphire Reserve for Business℠ cards, it rolled out a significant new benefit: $500 in annual statement credits to The Edit.

This benefit provides $500 per year toward hotel stays, as long as you book a minimum 2-night stay through Chase’s The Edit program. The benefit is split into 2 $250 credits, each usable on a separate The Edit hotel booking.

It sounds easy enough to use, but it took me until the end of December to redeem both of The Edit credits included with both of my eligible Sapphire cards.

Here, I discuss what Chase’s The Edit hotel program is, how I finally used these 2 statement credits, and how Chase can improve The Edit credit to make it easier to use in the future.

Chase The Edit Hotel Program Overview

The Edit is available to Chase Sapphire Reserve card and Chase Sapphire Reserve Business card holders, bookable through the Chase Travel portal. These stays include exclusive perks and are usually loyalty eligible, so you can earn hotel points and elite night credits and enjoy elite benefits.

The Edit bookings include these on-property benefits:

• Daily breakfast for 2 people
• $100 property credit per stay
• Room upgrade at check-in, if available
• Early check-in and late checkout, if available
• Complimentary Wi-Fi
• Welcome amenity

The Edit hotels are available in most major cities worldwide. Generally, The Edit hotels are high-end hotels and resorts, most of which are 4- or 5-star. You’ll find Four Seasons, Ritz-Carlton, Park Hyatt, Waldorf Astoria, and other luxury brands on The Edit, plus high-end boutique hotels.

These properties are marked with The Edit’s logo and typically appear at the top of search results on Chase Travel.

The Chase Sapphire Reserve card and Chase Sapphire Reserve Business card both offer up to $500 in The Edit hotel credits per year. You must prepay your reservation and book at least a 2-night stay to use the credit. Both cards earn 8 points per $1 on all Chase Travel bookings, including The Edit hotel stays.

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

Upgraded Points 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

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.49% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

OFFER ENDING SOON

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $6,500 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

17.74% - 25.74% Variable

Credit Recommended

Upgraded Points 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

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $6,500+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $2,500+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: 17.74% - 25.74% Variable
• Foreign Transaction Fees: None

How I Used The Edit Credit To Book Stays in Philadelphia and Austin

Since I have both the Chase Sapphire Reserve card and Chase Sapphire Reserve Business card, I had 2 $250 The Edit credits to use in 2025. Both cards offer 2 $250 credits per year, which can be used at any time within the year — as long as they’re on separate stays.

In 2025, I was eligible to use 1 The Edit hotel credit per card and used it for 2 hotel stays in early 2026: 1 stay in Philadelphia and 1 in Austin.

Booking The Ritz-Carlton Philadelphia

My wife’s best friend is having her wedding in Philadelphia next year at The Ritz-Carlton Philadelphia. Even though the nightly rate was over $500 after taxes — which is generally out of budget for a weekend trip — we still want to stay on-site.

I’m low on Marriott Bonvoy points, so I had to get creative when booking our 2-night stay. Instead, I pulled up Chase Travel and was delighted to see that The Ritz-Carlton Philadelphia is part of The Edit program, offering Points Boost rates for our stay. These Chase Travel features can be combined by charging $250 to your card and then covering the rest with Chase Ultimate Rewards points.

When booking this stay, I charged $299.88 to my Chase Sapphire Reserve card, which triggered the $250 The Edit credit. I covered the remaining balance with 39,000 Chase Ultimate Rewards points, giving me a Points Boost redemption rate of 2 cents per point.

I paid just $49.88 out of pocket for a stay that would have otherwise cost $1,079.88.

This is far more affordable, lets us stay at the wedding’s host hotel without breaking the bank, and includes The Edit benefits, such as complimentary breakfast. Not only that, but I’ll earn Marriott Bonvoy points and elite night credits after we complete our stay.

Booking Thompson Austin

I need to go to Austin, Texas, at the beginning of February. There are a handful of The Edit hotels in Texas’s capital city, but the Thompson Austin caught my eye because of its reasonable rates, prime location, and participation in the World of Hyatt program.

I had the World of Hyatt points to book it outright, but between The Edit and Points Boost, I got an even better deal.

I booked 2 nights at the Thompson Austin by redeeming 38,194 Chase Ultimate Rewards points and paying $316.43 with my Chase Sapphire Reserve Business card, of which I paid just $66.43 out of pocket thanks to the $250 The Edit credit. I got roughly 1.65 cents per point from Points Boost.

Like The Ritz-Carlton Philadelphia stay, The Edit stays at Thompson Austin are eligible to earn World of Hyatt points and elite credits. Plus, I can use my World of Hyatt Globalist elite status benefits, which, when applicable, stack with The Edit benefits.

How Chase Can Improve The Edit Hotel Credit

While I was eventually able to find ways to use both of my The Edit credits, it wasn’t as easy as it sounds. I booked more than a dozen hotel stays for 2025 and 2026 between when The Edit credits were added to my eligible credit cards and when I could redeem them.

With that in mind, here are a few ways Chase could improve The Edit and the associated credit.

Make 1-Night Hotel Stays Eligible for the Edit Credit

Between road trips, overnight layovers, and quick business trips, I have quite a few 1-night hotel stays every year.

There have been a few times I wanted to use The Edit to book one of these stays. For example, I booked a 1-night stay at Park Hyatt Chicago in November. I used the up to $600 prepaid hotel credit from my Platinum Card^® from American Express to book the stay, since the property is also part of the Fine Hotels + Resorts (FHR) program — and only has a 1-night minimum.

+ NEW BENEFITS

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 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 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points 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.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $8,000 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.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
• More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Adding 1-night stays would enhance the flexibility of The Edit credit. I almost exclusively use my Amex Platinum card’s prepaid hotel credit to book these stays, and being able to do the same with The Edit would make the credit much easier for me to redeem.

Add Midrange Hotels

While American Express is best known for FHR for 5-star hotels and resorts, it also offers The Hotel Collection. This program has fewer benefits at lower-end hotels than FHR, but nightly rates tend to be lower and more accessible.

Chase adding a midtier version of The Edit could make the program much more interesting. $500 in credit goes much further at a $200 nightly rate than at a $500 nightly rate, and more selection benefits everyone.

We could also see access to a midrange version of The Edit — and maybe even a small annual credit — added to the Chase Sapphire Preferred^® Card, which has been overdue for a refresh for years. For reference, American Express^® Gold Card holders can book The Hotel Collection stays, though no annual hotel credit is available.

Make the Entire $500 The Edit Credit Redeemable on 1 Stay

The most significant improvement would be the ability to redeem the full $500 credit on a single stay. This would make it easier to manage and get full value from The Edit credit and reduce breakage — the likelihood that you won’t use an included credit card benefit — for cardholders.

Of course, this breakage is intentional. The fewer cardholders who use the full $500 benefit, the better for Chase’s bottom line. On the other hand, consumers would view this as a positive change, and it could lead to The Edit being used more frequently.

Final Thoughts

The Edit’s $500 in annual hotel credits offered by the Chase Sapphire Reserve card and Chase Sapphire Reserve Business card are valuable new benefits that help offset the cards’ annual fees. I used the 2 credits available to me in 2025 for stays in Philadelphia and Austin, and combined them with Points Boost redemption rates.

In the future, I’d like to see Chase add new The Edit properties to its portfolio and make other consumer-friendly changes to make it easier for cardholders to use the full value of their The Edit hotel credit.