What purchases count as dining with the Chase Sapphire Preferred and Chase Sapphire Reserves?
Apply here: Chase Sapphire Reserve® offers 80,000 bonus points and Chase Sapphire Preferred® Card 60,000 bonus points, even after you spend $4,000 within the first three months of account opening.
The Chase Sapphire Reserve and its cheaper cousin, Chase Sapphire Preferred Cardamong best travel credit card due to their incredible earnings rate.
They earn 3 points for every dollar spent on food and drink worldwide on both cards, plus 3 points for every dollar spent traveling in the Sapphire Reserve and 2 points for every dollar spent. la spend while traveling for Sapphire Preferred. Additionally, through March 2025, these cards earn 10 points and 5 points per dollar spent, respectively Lyft.
Chase’s definition of what counts as a travel purchase It’s pretty extensive, covering almost every trip-related fee, from Airbnb bookings to parking fees. But how does its definition of eating stack up? Luckily, it’s also quite generous.
‘Restaurant’, according to Chase
Here’s how “restaurant” is defined, according to Chase’s website:
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Restaurant category sellers are those whose primary business is dine-in or dine-in, including both fast food restaurants as well as fine dining establishments. Please note that some food and beverage merchants located in larger stores such as sports stadiums, hotels and casinos, theme parks, grocery stores and department stores will not are included in this category unless the seller has set up such purchases to be classified in the restaurant category. Additionally, gift card merchants and delivery services will not be included in this category unless the merchant has set up such purchases to be classified in the restaurant category.
While the term “restaurant” is quite simple, in reality, the category is broader than it seems. Basically, any establishment that serves (rather than sells) food or drink counts. As long as one self-categorized merchant in the restaurant directory when applying to accept credit cards, purchases will be eligible.
For example, bars (including those that do not serve food) and coffee shops, such as Starbucks Usually the code is to buy food and drink. Plus, in most cases, you’ll earn 3 points for every dollar spent with restaurant delivery, including DoorDash.
What does Chase usually count for when buying food?
- Bar.
- Beer factory.
- Cafe.
- Cafe.
- Fast food restaurant.
- Fruit juice.
- Restaurant delivery services (Caviar, DoorDash, Eat24, Grubhub and Seamless, but not Postmates).
- Restaurants.
- University cafeteria.
- Vending machine.
What does Chase usually not count as dining purchases?
- Amazon Restaurant.
- Bakery.
- Catering services.
- The food and beverage establishments are located in the larger merchants.
- Grocery.
- In-flight food and beverages.
- Sign up for tableware.
And, as an added restaurant delivery perk, Chase Sapphire is preferred and Sapphire Reserve Cardholders currently have at least one year of a free DashPass membership with DoorDash, which entitles you to free shipping and reduced service fees on eligible purchases (must activate by December 31, 2024).
While uncommon, restaurants are sometimes not classified correctly, so if you feel like a qualifying restaurant buy wrong productyou can always try to dispute it with your Chase phone or Twitter representative for the bonus points you think you deserve.
Related reading: Chase Sapphire Preferred vs Chase Sapphire Reserve: Which Card Is Right For You?
Key point
Chase’s definition of what counts as a food and beverage purchase is pretty broad, so Chase Sapphire Reserve and Sapphire is preferred cardholders have many chances to earn 3 Final bonus points every dollar spent. Based on ours valuationthat’s up to 6% profit on these purchases.
Plus, you can earn even more rewards by linking your card to dining rewards programs like Air food program or Local Visa Offers with Uber.
Additional reporting by Emily Thompson.
