Which purchases count as travel with Chase Sapphir...

Due to its plethora of premium journey perks, the Chase Sapphire Reserve® (see rates and fees) is well-known within the journey bank card house. The Chase Sapphire Preferred® Card (see rates and fees) is the Sapphire Reserve’s mid-tier sibling. The 2 playing cards include annual charges of $795 and $95, respectively.

Regardless of which Sapphire card you might have, Chase clearly defines what counts as journey. Nonetheless, Chase recently refreshed the Sapphire Reserve, altering the way it rewards spending on journey. (The Sapphire Most well-liked has not undergone any modifications.)

So, we have up to date this information to make clear which purchases rely (and do not rely) towards incomes bonus factors on each playing cards.

In case you utilized to your Sapphire Reserve earlier than June 23, you will earn on the following charges till Oct. 25:

• 10 factors per greenback spent on accommodations and automobile leases booked via Chase Journey℠
• 5 factors per greenback on Lyft rides (via Sept. 30, 2027) and flights booked via Chase Journey
• 3 factors per greenback on all different journey purchases

From Oct. 26, your incomes construction will change to the one under.

New cardholders

Those that utilized for his or her card from June 23 — in addition to current cardholders from Oct. 26 — get pleasure from the next incomes charges:

• 8 factors per greenback on purchases made via Chase Journey
• 5 factors per greenback on Lyft rides (via Sept. 30, 2027)
• 4 factors per greenback on flights and accommodations booked straight
• 1 level per greenback on all different journey purchases

The Chase Sapphire Preferred Card earns:

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• 5 factors per greenback on all journey booked via Chase Journey
• 5 factors per greenback spent on Lyft rides (via Sept. 30, 2027)
• 2 factors per greenback on all different journey purchases

Whereas playing cards such because the American Express® Gold Card and The Platinum Card® from American Express supply bonus factors for airfare purchases made straight with the airline (with a spending cap of $500,000 on the Amex Platinum per calendar yr, then 1 level per greenback), the Sapphire Most well-liked and Sapphire Reserve playing cards allow you to earn a bonus on nearly each trip-related cost.

The journey class encompasses all kinds of purchases, from cruises to tolls and taxis to parking charges. Airbnb and Uber purchases additionally rely as journey.

The next purchases don’t apply towards the Sapphire Most well-liked’s common journey bonus class, however most should not come as a shock:

“Some retailers that present transportation and travel-related companies are usually not included on this class; for instance, actual property brokers, instructional retailers arranging journey, in-flight items and companies, on-board cruise line items and companies, sightseeing actions, excursions, vacationer points of interest, RV and boat leases, retailers inside accommodations and airports, public campgrounds and retailers that lease automobiles for the aim of hauling. Purchases from present card retailers or retailers that promote factors or miles won’t qualify within the journey class.”

Based mostly on TPG staffers’ experiences within the current previous, there are a couple of notable travel-related fees that haven’t posted as journey for the needs of bonus factors with Chase. These embrace an RV rental and a few trip leases through VRBO and related companies.

Whether or not a trip house rental robotically codes as journey relies on whether or not a person or a conglomerate operates it. Within the latter case, that cost could also be coded as “skilled companies” as a substitute of journey.

In case you’re ever not sure whether or not a given buy counts as journey, it could possibly be price making a small cost and checking whether or not it earns any bonus factors in your on-line Chase account.

In case you consider a journey buy ought to have earned bonus factors however did not, you are not out of choices. Begin by checking how the transaction was categorized in your Chase on-line account; this could typically make clear whether or not the service provider was coded accurately as a journey supplier. If it wasn’t, otherwise you’re nonetheless not sure, you possibly can contact Chase via a safe message or by telephone to request a handbook overview of the cost.

Whereas Chase could not all the time regulate your factors retroactively, reaching out can present perception into how sure distributors code and assist you to make extra knowledgeable selections for future purchases. It is a easy step that would yield additional rewards — or on the very least, peace of thoughts.

The Sapphire Preferred gives sturdy worth on common journey, whereas the Sapphire Reserve supplies much more rewards in elevated classes.

In line with TPG’s July 2025 valuations, that interprets to a 4.1% return on common journey purchases with the Sapphire Most well-liked. With flight or resort purchases made straight with the Sapphire Reserve, you would get a return of 8.2%. Then, you possibly can put your factors to make use of with Chase’s airline and hotel partners.

On high of that, these Chase playing cards have a number of the most beneficiant travel insurance and purchase protections in the marketplace. This makes both card a useful addition to your pockets.

Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Preferred Card