The Chase Sapphire Reserve® (see rates and fees) and its extra budget-friendly sibling, the Chase Sapphire Preferred® Card (see rates and fees), are among the many best travel credit cards as a result of their wonderful incomes charges.
They each earn 3 Chase Ultimate Rewards factors per greenback spent on eating purchases worldwide, plus 4 factors per greenback spent on flights and lodges booked direct on the Sapphire Reserve* and a pair of factors per greenback spent on all journey for the Sapphire Most popular. Moreover, (via Sept. 30, 2027), the playing cards earn 5 factors per greenback spent on Lyft rides.
*New cardholders who utilized for the Sapphire Reserve on June 23 and past have entry to the 4 factors per greenback spent incomes fee. Present Sapphire Reserve cardholders will get entry to this elevated incomes fee beginning Oct. 26.
Chase’s definition of what counts as a travel purchase is sort of broad, together with nearly each trip-related cost, from Airbnb bookings to parking charges. However how does its definition of eating stack up? Fortunately, it is fairly beneficiant as effectively.
‘Eating places,’ in response to Chase
This is how “eating places” are outlined, in response to Chase’s web site:
‘This class’s retailers’ main enterprise is sit-down or eat-in eating, together with quick meals eating places and wonderful eating institutions. Retailers that promote meals and drinks situated inside amenities equivalent to sports activities stadiums, lodges and casinos, theme parks, grocery and malls is not going to be included on this class except the service provider has arrange such purchases to be categorized in a restaurant class. Bakeries, caterers, meal equipment supply providers, and present card retailers will not be included within the class. Supply and takeout providers might be included in the event that they classify as a restaurant service provider.’
Whereas the time period “eating places” is fairly easy, in observe, this class is broader than it seems on the floor. Primarily, any institution that serves (versus sells) meals or drinks counts.
The acquisition will qualify if a service provider classifies itself in a restaurant class when making use of to simply accept bank cards.
For example, bars (together with ones that do not serve meals) and occasional retailers equivalent to Starbucks usually code as eating purchases. Generally, you will earn 3 factors per greenback spent with restaurant supply providers, together with DoorDash and Uber Eats.
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Associated: Best dining credit cards
What does Chase usually depend as eating purchases?
- Bars
- Breweries
- Cafes
- Espresso retailers
- Quick meals eating places
- Juiceries
- Restaurant supply providers (Caviar, DoorDash, Eat24, Grubhub and Seamless, however not Postmates)
- Eating places
- College eating halls
- Merchandising machines
What does Chase usually not depend as eating purchases?
- Bakeries
- Catering providers
- Food and drinks institutions situated inside bigger retailers
- Grocery shops
- In-flight meals and drinks
- Meal equipment subscriptions
As an added restaurant supply perk, Chase Sapphire Preferred and Sapphire Reserve cardholders additionally presently get at the least one yr of complimentary DoorDash DashPass membership, which supplies you free supply and lowered service charges on eligible purchases (should activate by Dec. 31, 2027).
Whereas it is unusual, generally eating places aren’t categorized appropriately, so for those who really feel like an eligible eating buy did not code correctly, you may all the time attempt disputing it with a Chase consultant to get the bonus factors you suppose you deserve.
Associated: Chase Sapphire Preferred vs. Sapphire Reserve: Should you go mid-tier or premium?
Backside line
Chase’s definition of a eating buy is sort of in depth, so Sapphire Most popular and Sapphire Reserve cardholders have loads of alternatives to earn 3 Final Rewards factors per greenback spent. Based mostly on TPG’s July 2025 valuations, that is a return of as much as 6.15% on these purchases.
Plus, you can earn much more rewards by linking your card with eating rewards packages equivalent to inKind, Rakuten or Seated.
Apply right here: Chase Sapphire Reserve with 100,000 bonus factors and a $500 Chase Journey℠ promo credit score after spending $5,000 on purchases inside the first three months of account opening.
Apply right here: Chase Sapphire Preferred Card with 75,000 bonus factors after spending $5,000 on purchases inside the first three months of account opening.
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