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Chase Sapphire Wellness Benefits 2026: Complete Guide to Every Health & Fitness Perk
July 1, 2025
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Chase Sapphire cardholders have access to significant wellness benefits in 2026, ranging from free fitness trackers to discounted preventive health screenings. If you carry a Chase Sapphire Reserve or Sapphire Preferred card, here's every wellness offer currently available and how to maximize the value.
How to Activate Chase Sapphire Wellness Offers
Before purchasing anything, you must activate each offer through Chase Offers in your account. This is the most commonly missed step, and skipping it means you forfeit the entire benefit. Log in to your Chase account, navigate to Chase Offers, and use Kudos to automatically activate all your card offers, including the specific wellness perks you plan to use.
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Chase Sapphire Wellness Benefits Breakdown
WHOOP Fitness Tracker Membership
- Chase Sapphire Reserve: $359 statement credit on WHOOP Life annual membership
- Chase Sapphire Preferred: $100 statement credit on any WHOOP annual membership
WHOOP is a subscription-based wearable fitness tracker focused on recovery, strain, and sleep optimization. Unlike traditional fitness trackers, there's no upfront device cost—the band is included with your membership. The WHOOP Life annual membership typically costs $359, which means Reserve cardholders effectively get a full year free. For Preferred cardholders, the $100 credit brings the annual cost down to approximately $259.
Current WHOOP members can apply this benefit at renewal or use it to gift an annual membership. Visit whoop.com/chase-sapphire for full details.
- Offer expires: May 12, 2026
- Redemption limit: One per eligible cardmember
Calm Premium Meditation App
- Chase Sapphire Reserve: 100% back on a one-year Calm Premium subscription
- Chase Sapphire Preferred: 50% back on a one-year Calm Premium subscription
Calm is a meditation and sleep app offering guided sessions, sleep stories, and relaxation exercises. Reserve cardholders receive a completely free year of Calm Premium, while Preferred cardholders get half off the annual subscription cost. Purchase must be made directly through calm.com to qualify for the statement credit.
- Offer expires: March 31, 2026
Prenuvo Full-Body MRI Scan
This benefit is only available to Chase Sapphire Reserve cardholders.
Chase Sapphire Reserve only: $500 statement credit when you spend $2,499+ on a Prenuvo scanPrenuvo offers whole-body MRI screening for early detection of potential health issues. While you'll still pay approximately $2,000 out-of-pocket after the credit, this represents a 20% discount on preventive imaging that typically isn't covered by insurance.
- Offer expires: March 31, 2026
Function Health Lab Testing Membership
- Chase Sapphire Reserve: 50% back after spending $365 on a Function membership
- Chase Sapphire Preferred: 15% back after spending $365 on a Function membership
Function Health provides access to 160+ lab tests covering cardiovascular health, hormones, thyroid function, nutrient levels, immunity markers, and more—significantly more comprehensive than standard annual physicals. Reserve cardholders receive approximately $182 back on the $365 annual membership, while Preferred cardholders get roughly $55 back.
- Offer expires: March 31, 2026
Manually checking your card-linked offers every week? You're guaranteed to miss deals. Kudos automatically activates your card-linked offers for you.
Which Chase Sapphire Wellness Benefits Are Worth It?
The WHOOP offer delivers the strongest value, especially for Reserve cardholders receiving a full year free ($359 value). The Calm Premium benefit is also worthwhile if you're interested in meditation or sleep improvement apps. The Prenuvo and Function Health offers require more significant out-of-pocket spending but provide value if you're already considering comprehensive health screening services.
Never Miss a Chase Offer Again with Auto-Activation
Manually activating Chase Offers every few days is tedious—and most cardholders miss hundreds of dollars in savings because they forget to check. Kudos Premium solves this by automatically activating all available Chase Offers across your Sapphire cards.
Here's how it works:
- Auto-Activation: Install the Kudos browser extension and visit your Chase account. Kudos automatically detects and activates all available offers—including these wellness benefits—without you clicking through individual tiles.
- Checkout Reminders: When you're shopping online at WHOOP, Calm, or any merchant with an active Chase Offer, Kudos surfaces the offer at checkout and ensures you're using the right card.
- Track Everything: See all your activated offers, statement credits, and card benefits in one unified dashboard. Track exactly what you've redeemed versus what's still available before benefits expire.
Kudos Free includes one auto-activation so you can experience the feature. Kudos Premium unlocks unlimited auto-activation across all your Chase cards (plus Amex, Citi, Wells Fargo, and Bank of America), advanced AI insights, full benefits tracking, and automated welcome bonus tracking.
Maximize Your Chase Sapphire Card Benefits
These wellness perks are just one category of benefits available to Sapphire cardholders. Between rotating Chase Offers, annual credits, and bonus categories, there's significant value to unlock—if you remember to activate everything.
Download Kudos to automatically activate Chase Offers, get reminded at checkout, and see which card maximizes rewards for every purchase.
The Bottom Line
Chase Sapphire's wellness benefits deliver genuine value in 2026, especially for Reserve cardholders. The WHOOP offer stands out as the strongest benefit—essentially a free year of premium fitness tracking worth $359. Calm Premium at 100% back is another no-brainer for Reserve holders interested in meditation or sleep improvement.
The key to maximizing these benefits is remembering to activate them before you purchase. Most cardholders forfeit hundreds of dollars annually by forgetting this step. Kudos eliminates this problem by auto-activating Chase Offers across all your cards, then reminding you at checkout when an active offer applies.
Whether you take advantage of one wellness benefit or all four, don't leave money on the table. Activate these offers in Chase now, or let Kudos handle it automatically.
FAQ
Do I need to activate Chase Sapphire wellness offers before purchasing?
Yes. You must activate each offer through Chase Offers in your account before making your purchase. If you forget this step, you will not receive the statement credit.
Can I use multiple Chase Sapphire wellness offers?
Yes, you can activate and use all wellness offers that apply to your specific card (Reserve or Preferred). Each offer has its own expiration date and redemption limit.
What happens if I already have a WHOOP or Calm subscription?
For WHOOP, existing members can apply the benefit at their renewal date or gift an annual membership. For Calm, the offer applies to new annual subscriptions purchased through calm.com.
How long does it take to receive the statement credit?
Statement credits typically post within 7-14 business days after your qualifying purchase posts to your account.
Do these Chase Sapphire wellness benefits count toward minimum spend requirements?
Yes, purchases made using these offers count toward your card's welcome bonus minimum spend requirement if you're within the qualification period.
Can I use Kudos to track when my Chase Offers expire?
Yes. Kudos Premium tracks all activated offers across your cards and shows exactly what you've redeemed versus what's still available before benefits expire.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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