If you’ve got a Chase credit card that comes with dining credits, congrats — you’re sitting on a goldmine of flavor! But here’s the catch: Are you really making the most of them?

Too often, these tasty little perks go unused or get casually spent on forgettable meals. But with a dash of planning and a sprinkle of creativity, your Chase dining credits can become the secret ingredient to unforgettable food experiences — without costing you a dime extra.

Ready to spice things up? Here are 5 brilliant, flavor-packed ways to use your Chase dining credits more effectively.

1. Treat Yourself to a Fancy Night Out (Guilt-Free)

Let’s be honest — when was the last time you truly treated yourself? We’re talking cloth napkins, candlelight, dishes you can’t pronounce.

Your dining credits are the perfect excuse to say “yes” to that upscale restaurant you’ve been eyeing. Whether you're toasting a promotion, planning a romantic date night, or just rewarding yourself for surviving the week, fine dining feels even better when you’re not footing the full bill.

Think Michelin-starred tasting menus, chef’s specials, and desserts that look like artwork. It’s not just dinner — it’s an experience.

2. Go on a Global Food Adventure (No Passport Required)

Bored of burgers and basic bites? Use your credits as a ticket to travel the world — with your taste buds.

Try that hidden Ethiopian spot downtown. Go bold with Korean BBQ. Dive into Lebanese mezze, or sip sake with a sushi omakase experience. Chase often partners with diverse restaurants, meaning you can explore new flavors without leaving your zip code.

Who knows? Your new favorite cuisine might be one credit swipe away.

3. Show Some Love to Local Restaurants

Big chains have their place, but there’s something special about discovering that little mom-and-pop gem where the owner knows your name and the food tastes like home.

Use your Chase credits to support local eateries, especially the under-the-radar places that serve food with heart. You’ll often find better service, more unique menus, and a vibe that feels less commercial and more community.

Plus, you’re helping real people — not just shareholders. That’s a win for your stomach and your soul.

4. Max Out the Value with Lunch Specials

Want to get more bites for your buck? Skip the dinner rush and go for lunch instead.

Many restaurants offer prix-fixe or lunch combo deals that deliver the same deliciousness at a much lower price. You’ll be stretching your dining credits further — and who doesn’t love a midday meal that feels like a mini vacation?

Pro tip: Lunch outings are also a fun way to level up a boring workday or treat yourself during errands. Plus, smaller crowds = better service and quicker seating.

5. Share the Experience with Friends & Family

Food is better when shared — full stop.

Use your dining credits to create special moments with the people who matter. Host a brunch date with your bestie, surprise your partner with an impromptu dinner, or bring your parents out for a long-overdue thank-you meal.

And if you’re worried about the bill, just split it — your credits still reduce the total, and everyone leaves full and happy.

These are the moments you’ll remember. The laughs. The stories. The “try this bite, it’s amazing” kind of memories.

 Bonus Tip: Don’t Let Your Credits Go Cold

The easiest way to not use your Chase dining credits effectively?
Forgetting they exist.

• Track your balance and expiration dates (set a calendar reminder if you must!)
• Browse eligible restaurants ahead of time
• Make reservations early, especially on weekends or holidays

Think of your credits like limited-time magic — you’ve got to use them before they disappear.

Final Bite: Use Them Like You Mean It

Chase dining credits aren’t just a card perk — they’re a passport to delicious experiences, meaningful connections, and unexpected culinary adventures.

So don’t let them sit unused.
Spend them with purpose.
Eat well, live well, and enjoy every flavorful moment.

Bon appétit, savvy spender. You’ve earned it.