One of the benefits of the Chase Sapphire Reserve is a semi annual $150 credit for dining at restaurants that are part of our Sapphire Reserve Exclusive Tables. Unfortunately many cardholders have been having issues with this credit, even when dining at restaurants that appear on the limited Sapphire Reserve Exclusive Tables list.
The issue seems to be occurring when the restaurant uses the Toast POS system/reader. For whatever reason this doesn’t code as restaurant (this seems to be across all cards, not specific to CSR) and no credit is issued. You would think that manually requesting the credit would cause it to post, but Chase are denying these claims. For example this reddit poster dined at rays on the river, an eligible restaurant. The purchase coded as “TST*RAYS ON THE RIVER” and Chase denied the credit.
Given how selective Chase are being on eligible merchants you would think that they would check to see if payment readers coded correctly or at the very least manually apply the credit when it’s clear an issue has arisen.
To avoid this issue I’d recommend not paying with a wireless card reader if at all possible at these restaurants, although most places using Toast for their reader would also be using it for their register as well so this might not actually help.
When contacted for comment Chase provided the following information:
We are aware of and actively addressing this issue. We are also proactively awarding credits to any cardmember who did not receive one prior to this being identified, including the customer whose Reddit thread you flagged.
Should you have any readers reach out to you about not receiving a credit they were eligible for, feel free to share with me so we can address.
Hat tip to reader wep_cpa
