Chase Just Partnered with WHOOP: Get Up to $359 Back on Fitness Tracking (Plus Calm & Wellness Credit Breakdown)

What Is WHOOP?

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WHOOP isn't a fitness tracker. It's a recovery optimization system used by professional athletes and executives.

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Three core metrics:

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1. Strain Score (0-21): How hard you're pushing your body
2. Recovery Score (0-100%): Whether you're ready for intense training
3. Sleep Performance: Optimal sleep need based on your strain

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No screen. No distractions. Just continuous data telling you when to push hard and when to recover.

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How to Claim Your $359 Credit

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Step 1: Enroll First (3 Minutes)

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1. Log into Chase account → Ultimate Rewards → Benefits
2. Find "WHOOP Partnership" tile
3. Click "Enroll"

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Critical: Enroll BEFORE purchasing. No guaranteed retroactive credits.

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Step 2: Choose Your Tier

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WHOOP Coach ($239/year):

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• Core metrics only
• Reserve: FREE ($120 profit back)
• Preferred: $140/year

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WHOOP Life ($359/year):

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• Advanced metrics (blood oxygen, stress, skin temp)
• Reserve: FREE (fully covered)
• Preferred: $260/year

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WHOOP Pro ($399/year):

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• Everything + dedicated coaching
• Reserve: $40/year
• Preferred: $300/year

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Step 3: Purchase

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• Buy at WHOOP.com or WHOOP app (only)
• Use enrolled Chase Sapphire card
• Select annual membership
• Complete by April 14, 2026

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Step 4: Track Credit

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• Posts 5-7 business days after purchase
• Check Chase account → Benefits → WHOOP tracker
• Contact Chase if no credit within 8 weeks

Stack It: Chase Calm Offer (Expires March 31, 2026)

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Reserve cardholders also get $69.99 back on Calm Premium through March 2026.

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What you get:

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• Full year of Calm Premium (meditation app)
• Sleep stories, guided meditations, breathing exercises
• 100% cashback

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How to activate:

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1. Add Calm offer in Chase portal
2. Buy annual subscription at calm.com ($69.99)
3. Use Reserve card
4. Get $69.99 statement credit

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Pro tip: Cancel immediately after subscribing—you keep access for the full year and avoid auto-renewal.

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Total Chase Reserve wellness value in 2026: $428.99 (WHOOP + Calm)

Who Should Use the WHOOP Offer?

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Perfect for:

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• Competitive athletes: Need strain/recovery balance to prevent overtraining
• Executives managing stress: Recovery score shows when cognitive performance is compromised
• Frequent travelers: Track jet lag recovery and adaptation across time zones
• Biohackers: Want quantified feedback on sleep protocols, diet, supplements

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Skip if:

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• Casual exerciser: Apple Watch is better for light activity tracking
• Hate subscriptions: $239-$399/year ongoing after first free year
• Want smartwatch features: WHOOP has no screen, no notifications, no apps
• Budget-first: Even free first year commits you to $239+/year after

The Amex Competition: Oura Ring

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Chase isn't alone. Amex Platinum launched a wellness ecosystem in September 2025.

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[[ SINGLE_CARD * {"id": "106", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Luxury Travelers", "headerHint": "Premium Benefits"} ]]

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Amex Platinum $200 Oura Ring Credit

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The deal:

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• Up to $200/year for Oura Ring hardware

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Oura pricing:

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• Gen 3: $199-$349 (essentially free with credit)
• Gen 4: $349-$499 (out-of-pocket: $149-$299)
• Membership: $5.99/month ($72/year) required

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ROI example:

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• Gen 4 Silver: $349
• Amex credit: -$200
• Out-of-pocket year 1: $221 (with membership)

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Best for: Sleep optimization, not athletic performance. Ring form factor beats smartwatches for 24/7 wear.

How Kudos Puts Your Wellness Credits on Autopilot

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Manually tracking WHOOP, Calm, Oura, Lululemon, and Equinox credits across Chase and Amex portals? You're guaranteed to forfeit benefits.

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Average wellness credit leakage: Premium cardholders lose $340/year in unused benefits they already paid for via annual fees.

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Kudos Auto-Activates Card Offers

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No more portal hunting:

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• Visit your Chase or Amex portal with Kudos installed
• Kudos automatically detects and activates ALL available card-linked offers
• Works across these issuers: Amex, Chase, Citi, Wells Fargo, and Bank of America
• No clicking through hundreds of offer tiles

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Smart checkout reminders:

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• Shopping at WHOOP.com? Kudos surfaces your active $359 Reserve credit at checkout
• Buying from Lululemon? Kudos confirms your Amex Platinum credit is ready
• Real-time card recommendations that factor in active offers (a 25% offer beats a 2% rewards rate)

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Automated benefits tracking:

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• See all wellness credits in one unified dashboard
• Tracks what you've used vs. what's still available
• Auto-detects benefits across all your cards—no manual entry

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Premium Features for Wellness Maximizers

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Kudos Premium unlocks:

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• Unlimited auto-activation across ALL your cards
• Full benefits tracking for every card in your wallet
• Value tracking showing total savings from activated offers
• 2 years of transaction history to spot wellness spending patterns
• Coming soon: Auto-cancel subscriptions, bill negotiation, flight price monitoring

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Over 400,000 members save an average of $441 annually just by letting Kudos automatically activate offers and track benefits.

Bottom Line

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Premium cards are now wellness platforms. Chase Sapphire Reserve delivers $428.99 in wellness value (WHOOP + Calm) in 2026. Amex Platinum counters with $880 (Oura + gym credits).

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• ‍The play: Hold both cards if combined wellness + travel benefits exceed $1,445 in annual fees. Wellness alone delivers $1,308.99—you're 90% toward breakeven before touching travel perks.‍
• The catch: You must use the benefits. WHOOP sitting in a drawer is $359 wasted. But for athletes, executives, and frequent travelers, these credits transform premium cards from travel tools into comprehensive lifestyle platforms.

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Ready to never miss another deadline? Kudos automatically activates your card offers across Chase, Amex, and 4+ other issuers—then alerts you at checkout when credits are ready to use. No more portal hunting. No more expired benefits.

FAQ

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Can I get both WHOOP and Calm on the same card?

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Yes. Reserve offers both separately. Total: $428.99 in 2026.

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Does this work with authorized users?

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Yes, but credit limit is per Card Account (not per person).

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What happens after year one?

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WHOOP auto-renews at full price ($239-$399). Cancel before renewal or pay out-of-pocket.

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Can I use the credit more than once?

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No. It's once per account through May 12, 2026.

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Is WHOOP eligible for HSA/FSA reimbursement? 

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Yes, WHOOP purchases qualify for HSA/FSA reimbursement. If you have FSA money expiring soon, this is a great way to use it while getting the Chase credit. Pay with your Chase Sapphire Reserve, get the$359 statement credit from Chase, and submit your receipt to HSA/FSA for reimbursement

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I'm already a WHOOP member—can I still get the credit?

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May need to cancel current subscription, wait for expiration, then repurchase. Contact WHOOP support.

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Does WHOOP credit stack with Oura credit?

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If you have both Chase Reserve and Amex Platinum, yes—separate issuers, independent benefits.

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‍Can I buy monthly and get partial credit?

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No. Only annual memberships qualify for the full credit amount.

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Does Kudos automatically activate the WHOOP and Calm offers?

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Yes. When you visit your Chase portal with Kudos Premium installed, it automatically detects and activates all available card-linked offers including WHOOP and Calm. Then at checkout, Kudos reminds you which credits are active and ready to use.