How I Use the Chase Sapphire Reserve $300 Dining Credit in San Francisco

The Sapphire Reserve’s $300 OpenTable credit is only valuable if it replaces dining I was already going to pay for. In San Francisco, that’s easier than it sounds. My strategy is simple: treat it as two $150 dinners a year, use it at restaurants I already want to visit, and never spend extra just to avoid “wasting” a credit.