Chase Sapphire Reserve Cardholders Get FREE WHOOP for a Year ($359 Value)

Chase just quietly launched one of the best wellness perks we’ve seen: a completely free year of WHOOP for Sapphire Reserve cardholders. If you’ve been curious about the fitness tracking craze but didn’t want to pay $359/year, this is your chance.

Key Takeaways

$359 statement credit for Sapphire Reserve holders (full year free)
$100 statement credit for Sapphire Preferred holders
Expires May 12, 2026
Includes free WHOOP band with subscription
HSA/FSA eligible purchase
Set a reminder to cancel before year 2 renewal

The Deal

Activate the Chase Offer on your Sapphire Reserve card and you’ll earn $359 cash back when you purchase a WHOOP Life membership for $359 or more at WHOOP.com.

Sapphire Preferred cardholders get a smaller but still solid $100 credit on the same purchase.

Note: This offer is NOT available on the Sapphire Reserve for Business card.

What’s WHOOP?

WHOOP is a premium fitness and health tracker worn 24/7 that monitors:

Sleep quality and stages
Heart rate variability (HRV)
Strain from workouts
Recovery scores
Respiratory rate

Unlike an Apple Watch, WHOOP focuses purely on health metrics without a screen. It’s popular with athletes and biohackers who want deep insights into recovery and training readiness.

The Life membership ($359/year) is their highest tier, which includes:

Unlimited band upgrades
Priority support
Advanced analytics
Family accounts

How to Claim

Check Chase Offers: Log into your Chase account → go to your Sapphire Reserve card → look for “Offers for You”
Add the WHOOP offer to your card
Go to WHOOP.com/chase-sapphire
Purchase the WHOOP Life membership ($359)
Statement credit posts automatically (usually within 1-2 billing cycles)

Important Fine Print

Expires May 12, 2026 – don’t wait too long
One-time use only – can’t stack multiple credits
Online purchases only at WHOOP.com
No third-party payment (no PayPal, no BNPL)
U.S. purchases only

The Catch (And How to Handle It)

The deal gets you year one free, but WHOOP will auto-renew at $359/year. Set a calendar reminder for April 2027 to either:

Cancel before renewal if you’re done
Hope Chase renews the offer next year
Decide if it’s worth paying based on your experience

Tip: If your state has sales tax on subscriptions, you may pay a few dollars out of pocket ($10-30 depending on state). Some users report promo codes bringing the base price down to trigger the credit even with tax – YMMV.

Should You Do This?

Yes, if:

You’re curious about sleep/recovery tracking
You already have the Sapphire Reserve (see our CSR vs CSP comparison if you’re deciding)
You’re into fitness and want data-driven insights
You want to maximize your Chase Ultimate Rewards strategy
You have HSA/FSA funds to use (this qualifies!)

Maybe not, if:

You won’t actually wear it (it’s 24/7, including sleep)
You don’t care about health metrics
You have the Preferred (only $100 credit means $259 out of pocket)

For Sapphire Reserve holders, this is essentially a free trial with no commitment beyond setting a reminder to cancel. That’s hard to beat.

Bottom Line

Chase keeps adding value to the Sapphire Reserve, and this WHOOP deal is genuinely useful for the fitness-minded. A free year of premium health tracking is a nice surprise benefit on top of the card’s many existing perks like the $300 travel credit and Priority Pass lounge access — which you can read more about in our lounges guide.

Deadline: May 12, 2026 – add the offer now before you forget.

Check your Chase Offers →

Pair this with our Chase Sapphire Preferred vs Reserve 2026 comparison if you’re still deciding which card to get.