Quick answer: The Function Health Chase Sapphire Reserve pairing lets cardholders offset the cost of a Function Health membership through the card’s Wellness benefit, which reimburses up to $200 per year on eligible health and wellness purchases, Function Health being one of them. Because Function Health’s standard annual membership costs $499, the $200 credit reduces your out-of-pocket to roughly $299. You do not get Function Health entirely free with Chase Sapphire Reserve unless Chase is running a targeted partner promotion, which it has done on a limited basis. The most direct path to getting Function Health free is through one of those partner promotions or through a referral credit stack.
What Is the Chase Sapphire Reserve Wellness Credit?
Chase Sapphire Reserve includes an annual $200 wellness benefit that covers a range of health-related purchases, and Function Health is one of the qualifying vendors. The benefit is not a coupon or a direct billing arrangement; it works as a statement credit. You pay Function Health directly, the charge posts to your Reserve card, and Chase reimburses up to $200 of it automatically, usually within one to two billing cycles.
The wellness credit is separate from the card’s better-known $300 travel credit. Both reset every cardmember year (your account anniversary date, not the calendar year), so a cardholder who times enrollment correctly can access the wellness credit twice before a Function Health annual membership renews.
One thing most cardholders miss: the $200 wellness credit is pooled with other eligible wellness merchants such as Peloton, SoulCycle, and gym memberships. If you have already spent part of it on a fitness app, the remaining balance applies to Function Health. Check your current wellness credit balance in the Chase portal before paying for a Function Health membership.
Is Function Health Completely Free With Chase Sapphire Reserve?
No, not under the standard card benefit. The $200 wellness credit covers a portion of the $499 annual membership, leaving roughly $299 out of pocket. The confusion arises because Chase and Function Health have run targeted promotions, where select Reserve cardholders receive a complimentary one-year membership at zero cost. Those promotions have been invitation-only or limited to new Function Health members who apply through a specific Chase offer link.
If you received an email from Chase with a subject line referencing a free Function Health membership, that is a genuine targeted perk, not a phishing attempt. The offer link typically takes you to a co-branded landing page on functionhealth.com where you enter your Reserve card number to unlock the membership.
Outside those targeted windows, the math looks like this:
| Scenario | Function Health list price | Chase Sapphire Reserve credit | Your net cost |
|---|---|---|---|
| Standard member, full credit available | $499/yr | -$200 | $299/yr |
| Standard member, partial credit ($100 used) | $499/yr | -$100 | $399/yr |
| Targeted Chase partner promotion | $499/yr | -$499 (fully covered) | $0 |
| No CSR, pay cash | $499/yr | -$0 | $499/yr |
For a deeper look at what you actually get for that annual fee, see our function health review.
How to Claim the Benefit Step by Step
Claiming the Chase Sapphire Reserve wellness credit for Function Health takes about five minutes if you have your card handy. Here is the exact sequence:
- Log in to your Chase account and navigate to Card Benefits, then Wellness to confirm your remaining credit balance.
- Go to functionhealth.com and start the membership signup. You do not need a special link for the standard wellness credit reimbursement.
- At checkout, pay with your Chase Sapphire Reserve card. Do not pay with a different card expecting to transfer the credit later; it does not work that way.
- After the charge posts (usually one to two business days), Chase identifies it as a qualifying wellness purchase and applies the statement credit automatically. You do not file a claim or upload a receipt.
- If the credit has not appeared after two full billing cycles, call the number on the back of your card. Chase customer service can manually review and apply it.
If you were invited to a targeted free-membership promotion, the flow differs: you use a unique URL from Chase, authenticate with your Reserve card number, and Function Health activates your account at no charge. In that case, nothing posts to your card at all.
What the Function Health Membership Includes
Function Health’s standard membership covers one comprehensive lab draw per year that spans roughly 100 biomarkers across metabolic health, hormones, nutrients, organ function, inflammatory markers, and cardiovascular risk. A second annual draw is included at no extra cost. Results come back in a mobile app with plain-English explanations and physician-reviewed flags for anything outside range.
The draw happens at a Quest Diagnostics patient service center, of which there are more than 2,200 across the US. You schedule online, show up without fasting for most panels (some lipid and glucose markers require it), and results typically appear in the app within five to seven business days.
What the membership does not include: additional biomarker panels beyond the two annual draws cost extra. Our function health add on test prices guide covers what those cost and which are worth adding. The membership also does not include physician consultations; Function Health’s doctors flag and explain results, but they do not prescribe or treat.
Does Using the Wellness Credit Affect the Card’s Annual Fee Math?
Chase Sapphire Reserve carries a $550 annual fee. Most cardholders justify it using the $300 travel credit, which effectively drops the net fee to $250. Stack the $200 wellness credit on top and the card costs $50 in net annual fee against its credits alone, before you count points earnings or other perks. Adding Function Health as a wellness credit recipient means you are getting $499 in lab work for a share of that $50 net cost, which is genuinely strong value if you would have paid for comprehensive labs anyway.
The catch is that the wellness credit covers only $200 of a $499 membership. Cardholders who expect full reimbursement and are surprised by the remaining $299 charge tend to be the ones who read a forum post about a targeted promotion and assumed it applied universally. It does not. If full cost coverage is your threshold, wait for a targeted promotion or explore alternatives.
How to Get Function Health Free If You Do Not Have the Chase Sapphire Reserve
Not holding the Reserve card, or already having spent the wellness credit, does not mean you are stuck at $499. Several lower-cost paths exist:
- Referral credits: Function Health offers referral discounts when an existing member shares a personal link. The referred user and the referrer both receive a credit. Stacking a referral credit on top of the Chase wellness reimbursement is permitted and can bring the net cost well below $200.
- HSA/FSA payment: Function Health membership qualifies as an HSA or FSA-eligible expense for most plan administrators because it is a diagnostic lab service. Paying with pre-tax health account dollars effectively reduces the real cost by your marginal tax rate, typically 22 to 37 percent for the income range most Function Health customers fall into.
- Other credit card wellness credits: American Express Platinum, certain United and Delta premium cards, and some premium Citi cards carry wellness or health reimbursement benefits that may cover Function Health. Each card has its own merchant eligibility list; verify before assuming coverage.
- Annual fee waiver periods: Function Health periodically runs promotions for new members, especially in January. Signing up during a promotion window can reduce the first-year cost.
For a full breakdown of all ways to reduce the sticker price, our function health cost guide covers every discount pathway including insurance reimbursement attempts.
Function Health vs. Superpower: Which Makes More Sense If the Chase Credit Does Not Cover It All
If the $299 net cost after the Chase credit still feels high, it is worth comparing Function Health directly against its closest competitor, Superpower, before committing.
The simplest way to actually get this done
Superpower is a full-body lab membership that runs 100+ biomarkers, has each result reviewed by a doctor, and tracks your numbers year over year (about $199/year). It is what we point readers to when they would rather get one clean, complete draw than chase single tests one at a time. Here is superpower blood test review reviewed in full.
| Feature | Function Health | Superpower |
|---|---|---|
| Annual price | $499 | ~$199 |
| After Chase Sapphire Reserve $200 credit | ~$299 | Not a Chase benefit partner (pay full) |
| Biomarkers per draw | ~100 | 100+ |
| Annual draws included | 2 | 1 (second draw purchasable) |
| Physician review of results | Yes | Yes |
| Lab network | Quest Diagnostics | Quest Diagnostics |
| HSA/FSA eligible | Yes | Yes |
Superpower is not a Chase Sapphire Reserve partner, meaning the wellness credit does not apply. But at roughly $199 cash, it costs less than the net price of Function Health after the Chase credit. If the Chase perk is the main reason you were considering Function Health, run the arithmetic first. A Superpower membership out of pocket is cheaper than Function Health with the Chase credit applied. Read our superpower blood test review for a side-by-side of what each panel actually contains, and see how much does superpower cost for current pricing details.
Does Function Health Qualify Under Other Chase Cards?
The $200 wellness credit is specific to Chase Sapphire Reserve. Chase Sapphire Preferred does not carry this benefit. The Chase Freedom family of cards does not carry it either. If you hold a Chase Sapphire Preferred and are hoping to use a similar wellness perk, that perk does not exist on the Preferred tier.
Chase Sapphire Reserve is also available as a business card variant, the Chase Ink Preferred and Ink Business variants, but those do not include the wellness credit. Only the personal Chase Sapphire Reserve (product code CSR) carries the $200 wellness benefit.
What People Get Wrong About This Benefit
The single most common misconception: people assume the benefit is automatic because they read about a targeted promotion. Chase has at various points offered complimentary Function Health memberships to select Reserve cardholders as a limited-time perk, similar to how it offered complimentary Lyft Pink or DoorDash DashPass memberships in the past. Those promotions expire, and the standing benefit is the $200 wellness credit reimbursement, not a free membership.
The second misconception: some cardholders try to pay for Function Health with a different card to earn more rewards points, then expect Chase to credit them anyway. The wellness credit triggers only when the charge is posted directly to the Reserve card.
Third: the credit applies per cardmember year, not per calendar year. If your card anniversary is in September, your 2026 wellness credit reset on September 1, 2026, not January 1. You could theoretically join Function Health in August using the tail end of one wellness credit year and renew in September using the next year’s credit, effectively stretching the benefit. This is not a loophole; it is how anniversary-based credits work for all Chase benefits.
If you are curious whether insurance (rather than a card benefit) could offset the cost instead, see our breakdown of does insurance cover function health.
FAQ
Is Function Health free with Chase Sapphire Reserve?
Not under the standard benefit. The Chase Sapphire Reserve $200 wellness credit applies to Function Health, reducing the $499 membership to roughly $299 out of pocket. Chase has run targeted promotions offering a fully free membership to select cardholders, but those are invitation-only and not a standing benefit. If you received a Chase email about a free Function Health membership, verify it at chase.com before clicking any links.
How do I check if I have a Chase Sapphire Reserve Function Health offer?
Log in to your Chase account, go to Card Benefits, and look under Wellness or Offers and Experiences. If a targeted Function Health promotion is active for your account, it will appear there with a claim link. You can also check the Chase email associated with your account for a direct invite. Promotions are typically valid for 30 to 90 days from the date they are issued.
Does the Chase Sapphire Reserve wellness credit cover the full Function Health membership?
The standard $200 wellness credit covers $200 of the $499 membership. Unless you are on a targeted promotion, you pay the remaining $299 yourself. Pairing the credit with an HSA or FSA payment for the balance and a referral credit from an existing Function Health member can reduce the net cost further.
Can I use the Chase wellness credit more than once for Function Health?
The $200 wellness credit resets each cardmember year. If you renew your Function Health membership before your credit resets, you use it once per year. However, if you time your membership renewal to coincide with a new credit year, you can use a fresh $200 credit every renewal cycle. The credit does not roll over; unused amounts expire at your anniversary date.
Is Function Health a Chase Sapphire Reserve partner?
Function Health appears on Chase’s list of qualifying wellness merchants for the $200 wellness benefit. That does not make it an exclusive partner in the way that Lyft or DoorDash have been Chase partners with dedicated integrated perks. The relationship is that Function Health charges qualify for reimbursement under the wellness benefit category, the same way a gym membership or fitness tracker would.
What other credit cards offer a Function Health discount or reimbursement?
American Express Platinum’s $300 wellness credit (through Equinox or other enrolled merchants), certain premium airline cards, and employer-sponsored wellness stipends may cover Function Health depending on merchant category code classification. Function Health is categorized under health services, which most wellness credits accept. Verify with your card issuer before paying; not all wellness credits treat the same MCCs the same way.
Can I use HSA or FSA money to pay for Function Health?
Yes, Function Health membership is generally considered an HSA and FSA-eligible expense because it is a diagnostic lab service, not a general wellness or fitness purchase. Most HSA debit cards will process it without issue. If you are using a flexible spending account with a stricter eligibility list, confirm with your plan administrator first. Paying with pre-tax dollars effectively cuts the real cost by your income tax rate.
How does Function Health compare to getting labs through Quest or Labcorp directly?
Ordering 100+ individual biomarkers through Quest Diagnostics or Labcorp without a Function Health membership would cost several hundred to several thousand dollars depending on panels, with or without insurance, because insurers typically only cover clinically indicated tests. Function Health bundles the draw, the interpretation, and physician review into one annual price. The convenience argument is real; the cost savings versus a la carte lab ordering are also real, particularly for the hormonal and advanced cardiovascular panels that insurance rarely covers for asymptomatic adults. Talk to a clinician about which results warrant follow-up care.
