How to Maximize the Monthly Chase DoorDash Credit
The Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® and the Sapphire Reserve for Business℠ offer plenty of perks, but one of the most overlooked is the DoorDash benefit. This includes a complimentary DashPass membership through 12/31/2027 as well as monthly DoorDash credits — and starting October 1, 2026, personal Sapphire Reserve cardholders get their biggest DashPass benefit yet. In this post, we’ll cover how to activate your free DashPass membership, use your DoorDash credits effectively, and maximize this benefit to enjoy delicious food for less.
What Is the DoorDash Credit?
As a Chase cardholder, you receive DoorDash credits that can be applied to eligible DoorDash orders. These credits reset each month (or quarterly, depending on the card) and don’t roll over, so they’re a use-it-or-lose-it benefit. The amount — and how you can use it — depends on the Chase card you have.
The personal Chase Sapphire Reserve® now offers three monthly credits worth $35 total: a NEW $15 credit (starting October 1, 2026) that can be used on any eligible DoorDash order — restaurant delivery included, plus two $10 credits that are still limited to “non-restaurant” purchases like grocery and convenience orders.
The Sapphire Reserve for Business℠ keeps its two monthly $10 non-restaurant credits ($20 total), plus a separate $5 monthly credit for restaurant purchases — $25 in total monthly credits. The Chase Sapphire Preferred has one monthly $10 non-restaurant credit, and several other Chase co-branded cards have a quarterly $10 non-restaurant credit. All Chase co-brand credit cards are eligible except the Amazon Rewards Visa Card, Instacart Mastercard, and DoorDash Rewards Mastercard.
That $35 a month on the personal Reserve can cover an entire lunch delivery one week and groceries the next — and it pairs perfectly with the free DashPass membership (a $120 annual value).
Chase Sapphire Preferred® Card
Current Bonus
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Chase Sapphire Reserve®
Current Bonus
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Sapphire Reserve for Business℠
Current Bonus
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
How to Activate Your Free DashPass Membership
DashPass is DoorDash’s subscription service, offering $0 delivery fees and reduced service fees on eligible orders over $12. Here’s how to activate your free membership:
- Log in to Your DoorDash Account:
- If you don’t already have an account, download the DoorDash app and create one.
- Link Your Eligible Chase Credit Card:
- Navigate to the “Payment” section of the app or website by clicking on “Me” in the bottom right corner of the app, then “Settings,” then “Payment.” Here you can add your eligible Chase card as your payment method.
- Activate DashPass:
- Follow the prompts to enroll in DashPass. Your membership will be complimentary for at least 12 months as long as you keep your Chase card linked to your DoorDash account.
- Start Ordering:
- Once activated, you’ll see reduced fees on eligible orders automatically.
Tips for Maximizing Your DoorDash Credit and DashPass
- Use Your Credits Strategically:
- Combine the credit with promotions or discounts for even greater savings.
- Try Pickup Orders:
- DashPass benefits apply to eligible pickup orders, too. Use your non-restaurant credits toward pickup orders without worrying about delivery fees.
- Leverage Chase Offers:
- Check your Chase Offers in the Chase app for DoorDash-related offers. Sometimes you can stack these with your credit and DashPass savings.
Key Details to Remember
- Credit Validity: All DoorDash credits reset at the start of each month (monthly or quarterly, depending on card) and don’t roll over — use them or lose them.
- New for Personal Sapphire Reserve: The $15 credit is new starting October 1, 2026 — don’t go looking for it before then.
- DashPass Renewal: Your complimentary DashPass membership lasts through 12/31/2027, or for at least 12 months if you enroll less than 12 months before 12/31/2027. After that, you may need to pay for the service unless Chase extends the benefit.
- Eligible Orders: DashPass fee perks apply only to participating restaurants and orders meeting the $12 minimum subtotal. The non-restaurant credit restriction still applies to the $10 credits on every card — just not to the personal Reserve’s new $15 credit.
Where to Use Your Chase DoorDash Credit
Most of your Chase DoorDash credits only work on “non-restaurant” purchases — the exceptions are the personal Sapphire Reserve’s new $15 credit and the Sapphire Reserve for Business’s $5 restaurant credit (more on those below). For your non-restaurant credits, focus on Grocery and Convenience. To quickly narrow down your search results and to save the most on extra fees, tap the “Pickup” button on the home page of the app and then select “Grocery” or “Convenience.”
This should result in a list of locations where you can use your credit AND save on delivery fees.
If you have the personal Sapphire Reserve, that new $15 credit is different from the rest — it’s not limited to “non-restaurant” orders, so you can use it on a straight-up restaurant delivery order, not just grocery or convenience pickup. Your two $10 credits still need to stay in the Grocery/Convenience pickup lane described above.
If you have the Sapphire Reserve for Business, your $5 monthly credit works the same way — it’s not limited to non-restaurant orders, so it’s fair game for a restaurant delivery too.
Why This Benefit Adds Value to Your Chase Card
The DoorDash credits and DashPass membership make Chase credit cards even more valuable, especially if you remember to use them every month or quarter. Personal Sapphire Reserve cardholders can now save $420 a year in credits alone ($35 a month), Sapphire Reserve for Business cardholders can save $300 a year ($25 a month), Sapphire Preferred cardholders can save $120 a year, and Chase co-branded cardholders can save $40 a year.
Add in the $120/year value of your complimentary DashPass membership, and the personal Sapphire Reserve’s total benefit works out to up to $540 a year — savings like this help significantly when it comes to justifying an annual fee.
Take a moment to activate your DashPass membership and start enjoying all the perks of your Chase card today. Happy dining!
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Tips for Using the Chase DoorDash Credit and Activating DashPass
