Chase’s The Edit Hotel Credit: What to Know

The Chase Sapphire Reserve® card and Sapphire Reserve for Business℠ card come with an array of benefits that can help make up for their gargantuan annual fees. Some are easy for just about anyone to use, like the automatic $300 credit against any travel expense. Others, not so much. Among the latter: up to $500 a year in credit toward stays booked through Chase’s luxury hotel and resort collection, known as “The Edit.”

Less than three months after this new credit was unveiled, Chase announced it will make the credit easier to use. When the credit was first introduced, it was split into two $250 credits per year — one that would apply to The Edit bookings made between January and June and the other to bookings made between July and December. But starting in 2026, each $250 credit will apply to the first two eligible The Edit bookings in a calendar year, giving cardholders more flexibility.

For cardholders who routinely book luxury hotel stays, The Edit hotel benefit can go a long way toward offsetting the $795 annual fee on either card. However, a two-night minimum requirement and the high price point of properties in The Edit collection limits the credit’s usefulness to budget travelers. I surveyed nightly rates at over 50 properties in The Edit collection across a variety of dates and destinations, and here’s what I found about using the credit.

The Edit is a curated collection of over 1,100 hotels and resorts where eligible Chase cardholders can receive complimentary benefits during stays booked through Chase’s travel portal. The collection features properties around the world, with a heavy emphasis on luxury.

The Edit stays are eligible for the following benefits:

• $100 property credit toward dining, spa services or other on-site activities.

• Room upgrade at check-in (when available).

• Early check-in and late checkout (when available).

These benefits are similar to those offered by AmEx Fine Hotels & Resorts, with a notable difference: none of The Edit benefits are guaranteed. As shown in the search results below for a two-night stay in Las Vegas, some properties don’t offer daily breakfast for two, and the nature of the $100 credit may differ from one hotel to the next.

This inconsistency means you’ll need to pay close attention to which perks Chase’s travel portal advertises for a given stay.

The Edit benefits can extend to multiple rooms on a single reservation and are based on double occupancy, but they can’t be combined with other offers like wholesale rates or travel packages. As a result, it’s worth comparing hotel rates through other booking platforms to make sure you’re not overpaying for “complimentary” benefits.

The credit for bookings in The Edit was added to the Chase Sapphire Reserve® when the card’s benefits were overhauled in June 2025 and was included with the Sapphire Reserve for Business℠ when that card launched at the same time.

The $500 credit is actually two separate credits of $250 each, good toward prepaid stays booked with The Edit. Starting in 2026, those credits will be automatically applied to the first two eligible The Edit bookings made on the card.

There is no longer a specified time frame during the calendar year to use the two credits. When Chase first introduced The Edit hotel credit in June 2025, one $250 credit had to be used for a booking made from January to June and the other for a separate trip booked from July to December, but Chase announced a change to the benefit in September 2025.

Credits are issued according to the booking date, not the travel date, so you can book qualifying stays far in advance. However, credits don’t carry over from one year to the next.

And the major caveat is that only stays of two nights or longer qualify for the credit. You must also book a prepaid rate, though many of the prepaid rates listed on Chase’s travel portal are fully refundable. So long as you confirm the hotel’s cancellation policy and avoid nonrefundable reservations, having to book a prepaid rate shouldn’t prevent you from changing plans if needed.

Finally, authorized user cards are eligible for The Edit benefits, but the credit is capped at $500 annually for all users on the account.

There’s no special redemption process for using The Edit credits; once you book an eligible hotel stay, the credit should be applied to your account automatically. The terms and conditions specify that credits may take six to eight weeks to appear on your billing statement, but in practice Chase tends to issue credits much more quickly.

The two $250 credits offset charges to your Sapphire Reserve card, but you don’t have to pay entirely with your card for the credits to apply; you can also receive credits when booking with a combination of cash and points. That dovetails well with Chase’s new Points Boost feature, which allows Chase Sapphire Reserve® cardholders to get 2 cents per point when redeeming toward stays at The Edit properties.

If you’re looking to minimize out-of-pocket expenses, you can redeem your $250 credit and cover the remaining balance with points.

For example, this two-night stay at the St. Regis Bangkok costs either $681.38 or 34,069 points. Alternatively, you could pay by redeeming 21,569 points (worth $431.38 with the Points Boost) and charging the remaining $250 to your Chase Sapphire Reserve® card.

One particularly grating aspect of hotel resort fees is that they’re generally not accounted for in prepaid bookings, so even if your reservation is “fully paid” in advance, you still get charged more on-property. Resort fees are a nuisance no matter when you pay them, but as someone who predominantly books hotels with points rather than cash, I’d rather be able to fold resort fees into a prepaid rate than have to cough up more money at checkout.

Fortunately, Chase’s travel portal allows you to do exactly that for The Edit bookings, as the rates shown are inclusive of all taxes and fees. For example, this two-night stay at the MGM Grand in Las Vegas has a nightly rate of $55. The total jumps to $220 after resort fees, but the entire amount can still be prepaid with the $250 credit, points or some combination of the two. That’s another useful feature for those looking to minimize out-of-pocket expenses.

The downside of lumping resort fees in with the nightly rate is that they’re inadequately disclosed during the booking process. Chase’s travel portal lists them as “taxes” with no indication that they’re junk fees rather than legitimate tax charges. Additionally, pre-paying resort fees could be problematic at properties where those fees would normally be waived because of hotel elite status.

Chase issues credits for The Edit stays based on when you confirm your reservation, not when you complete your stay. For example, a qualifying stay you booked in November 2025 for the following April will have been covered by your credit in 2025. You would still be eligible for another two $250 credits in 2026.

You could redeem multiple credits for one “stay” by making back-to-back reservations. For a four-night stay, you could book the first two nights with one credit and the next two nights with the second credit. If you book identical rooms on each reservation, you can usually ask the hotel to merge your two reservations so you won’t have to check out and check back in.

In my analysis of nightly rates at more than 50 properties in The Edit collection, I found an average nightly rate of $929 when booking through Chase’s travel portal. While that number was inflated by the most expensive properties (costing thousands of dollars per night), the median nightly rate was $669, which is more than two and a half times the amount of one credit. Only about one third of the rates I checked were under $500 per night.

The takeaway is that the two $250 credits can serve as a discount on luxury hotel stays, but they’re unlikely to cover even a single night at The Edit properties, much less the two nights required for a qualifying stay.

In a separate search, I compared nightly rates at 30 properties in The Edit collection between Chase’s travel portal, the AmEx Travel portal and direct bookings with the hotel. The Chase nightly rate beat both the others by more than $10 on only one occasion. In contrast, one of the competing rates was at least $10 cheaper than Chase on 17 occasions.

This is not an apples-to-apples comparison, since direct bookings don’t include the benefits offered by Chase and AmEx. However, the price discrepancies illustrate that booking through The Edit can mean paying higher rates. If you’re paying extra to redeem the $250 credit, then you’re not getting its full value.

To be eligible for the credit, your stay must be two nights or longer. The inability to redeem on single nights not only makes the benefit harder to use, but also reinforces that the credit (and The Edit generally) is not an ideal fit for budget travelers.

The Chase Sapphire Reserve® earns 8 Chase Ultimate Rewards® points per dollar on Chase Travel℠ purchases, including bookings at The Edit properties. However, much like the Chase Sapphire Reserve®‘s $300 travel credit, you won’t earn points for any portion of your purchase that qualifies for the $250 credits. For example, if you book a qualifying stay through The Edit that costs $1,000, you’ll only earn Chase Ultimate Rewards® points on $750 of it.

If The Edit collection suits your taste and budget, then you should find ample opportunity to use these hotel credits organically. However, if rates at The Edit properties are significantly higher than what you normally pay for hotel stays, you’ll need to be careful that redeeming the credits doesn’t end up costing you more than it saves.