There’s a very specific way to book in 2026 that can unlock two Chase hotel credits on the same stay — and most cardmembers will miss it.
The premium card wars are back — and hotel credits are the new front line.
Chase fired a major shot in 2025 with a revamped Sapphire Reserve and the debut of Sapphire Reserve for Business, both built around richer statement credits and a higher-end travel experience.
A centerpiece is The Edit, Chase’s curated luxury hotel collection bookable through Chase Travel.
In 2025, the headline perk was a $500 annual The Edit credit delivered as two separate up to-$250 statement credits — one for January through June and another for July through December — on prepaid bookings of at least two nights.
Those qualifying purchases don’t earn points, but The Edit stays come with useful “elite-like” perks, including daily breakfast for two and a property credit (often $100), plus upgrades and flexible check-in/out when available.
American Express has its own version of this playbook, too — and Fine Hotels + Resorts remains a fan favorite for both the 4 p.m. late checkout (guaranteed) and the wide footprint (at least compared to The Edit).
On top of that, Amex Platinum and Business Platinum cardholders can now earn up to $300 back twice per year (up to $600 annually) on prepaid Fine Hotels + Resorts or Hotel Collection bookings made through Amex Travel.
And because Fine Hotels + Resorts doesn’t require a two-night minimum, you can even use that credit on a one-night stay if the math works.
Chase isn’t standing still.
Starting Jan. 1, 2026, Sapphire Reserve and Sapphire Reserve for Business cardholders get an additional up to $250 statement credit for prepaid Chase Travel hotel bookings of at least two nights with select brands — including IHG, Minor, Montage, Omni, Pan Pacific, Pendry and Virgin.
Here’s the key twist: eligible bookings can still earn Ultimate Rewards points on the amount beyond the $250 credit — and you’ll also earn hotel loyalty points and elite night credits with those brands for the full stay.
That’s where “Sapphire Stack” comes in.
Book a property that’s both an Edit hotel and part of one of those eligible hotel groups, and you can double-dip two separate $250 statement credits on the same two-night prepaid stay.
Add the Sapphire Reserve’s separate $300 annual travel credit, and the savings can get very real, very fast.
Here is a list of hotels where you can double (or triple) dip your Chase Sapphire Reserve card's $250 The Edit credit along with your 2026 $250 Hotels credit:
If you can line up a two-night, prepaid stay in 2026 at a property that’s both in Chase’s The Edit collection and part of one of the eligible hotel groups (IHG, Montage, Pendry, Omni, Virgin, Minor, or Pan Pacific), you can trigger two separate statement credits on the same reservation: $250 from The Edit and $250 from the new “select Chase Travel hotels” credit — $500 back in total.
And if you still have your $300 annual travel credit available when you book, that can layer on too — pushing the headline “stack” to as much as $800 in statement credits tied to one trip.
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The premium card wars are back — and hotel credits are the new front line.
Chase fired a major shot in 2025 with a revamped Sapphire Reserve and the debut of Sapphire Reserve for Business, both built around richer statement credits and a higher-end travel experience.
A centerpiece is The Edit, Chase’s curated luxury hotel collection bookable through Chase Travel.
In 2025, the headline perk was a $500 annual The Edit credit delivered as two separate up to-$250 statement credits — one for January through June and another for July through December — on prepaid bookings of at least two nights.
Those qualifying purchases don’t earn points, but The Edit stays come with useful “elite-like” perks, including daily breakfast for two and a property credit (often $100), plus upgrades and flexible check-in/out when available.
American Express has its own version of this playbook, too — and Fine Hotels + Resorts remains a fan favorite for both the 4 p.m. late checkout (guaranteed) and the wide footprint (at least compared to The Edit).
On top of that, Amex Platinum and Business Platinum cardholders can now earn up to $300 back twice per year (up to $600 annually) on prepaid Fine Hotels + Resorts or Hotel Collection bookings made through Amex Travel.
And because Fine Hotels + Resorts doesn’t require a two-night minimum, you can even use that credit on a one-night stay if the math works.
Chase isn’t standing still.
Starting Jan. 1, 2026, Sapphire Reserve and Sapphire Reserve for Business cardholders get an additional up to $250 statement credit for prepaid Chase Travel hotel bookings of at least two nights with select brands — including IHG, Minor, Montage, Omni, Pan Pacific, Pendry and Virgin.
Here’s the key twist: eligible bookings can still earn Ultimate Rewards points on the amount beyond the $250 credit — and you’ll also earn hotel loyalty points and elite night credits with those brands for the full stay.
That’s where “Sapphire Stack” comes in.
Book a property that’s both an Edit hotel and part of one of those eligible hotel groups, and you can double-dip two separate $250 statement credits on the same two-night prepaid stay.
Add the Sapphire Reserve’s separate $300 annual travel credit, and the savings can get very real, very fast.
Here is a list of hotels where you can double (or triple) dip your Chase Sapphire Reserve card's $250 The Edit credit along with your 2026 $250 Hotels credit:
If you can line up a two-night, prepaid stay in 2026 at a property that’s both in Chase’s The Edit collection and part of one of the eligible hotel groups (IHG, Montage, Pendry, Omni, Virgin, Minor, or Pan Pacific), you can trigger two separate statement credits on the same reservation: $250 from The Edit and $250 from the new “select Chase Travel hotels” credit — $500 back in total.
And if you still have your $300 annual travel credit available when you book, that can layer on too — pushing the headline “stack” to as much as $800 in statement credits tied to one trip.
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