Good news for Chase Sapphire Reserve cardholders! That revamped card now boasts a sweet $300 annual dining credit ($150 split into two 6-month periods). While it's meant for fancy "Sapphire Reserve Exclusive Tables" restaurants found in select cities, there are ways to maximize this perk, even if you're not near a participating location. The official terms exclude gift cards, delivery, and takeout. However, there are reports suggesting that buying physical gift cards or paying for takeout *directly at the restaurant* might trigger the credit anyway, as it processes like a regular purchase. Even better, there's growing evidence that online gift cards ordered via restaurants using the "Toast" system are now working! This could significantly expand your options for using the credit. Keep in mind that "Your Mileage May Vary" (YMMV) applies here. Also note that tips, taxes, and service fees *do* count towards the credit. The credit should post to your account within a few days, though Chase says to allow up to 6-8 weeks. So, before you write off that dining credit, explore the possibilities – you might just find a tasty (and cost-effective) way to use it!