What counts as dining for Chase Sapphire Preferred is most places that have sit-down eating. The card’s dining rewards category includes everything from fast-food restaurants to fine-dining establishments, as long as the location has an appropriate merchant category code. Merchant category codes are numbers that group vendors based on what they sell. Merchants that are classified as a restaurant will give the cardholder 3 points per $1 spent on each purchase.
Here’s what counts as dining for Chase Sapphire Preferred:
Fast food restaurants
Food delivery services
Bars and breweries
College dining halls
While these types of places typically count as dining for Chase Sapphire Preferred, it’s possible that some specific locations may not. For example, merchants located within facilities such as malls, stadiums, or supermarkets may not code as restaurants. In addition, bakeries, grocery stores, and caterers usually will not qualify as part of the Chase Sapphire Preferred dining category.
Finally, it’s important to note that Chase is currently offering 3 points per $1 spent on dining including eligible delivery services, takeout and dining out.
Yes, fast food does count as a restaurant for credit cards that have dining as a bonus rewards category. All major credit card companies include fast food locations within their definition of a restaurant for rewards purposes, including American Express, Bank of America, Capital One and Chase. For cardholders to earn bonus rewards, the fast food restaurant simply needs a … read full answermerchant category code that properly reflects that it’s a restaurant.
Credit Card Companies That Count Fast Food as a Restaurant for Rewards
Bank of America
In some cases, it is possible that a particular fast food location won’t code as a restaurant, even if your card gets bonus rewards at fast food restaurants. If this occurs, it’s generally because the fast food restaurant is located within a larger establishment that codes as something else, such as a shopping mall or a stadium.
You should also note that merchant category codes are separate for traditional and fast food restaurants, so some cards could offer bonus rewards just at traditional restaurants. Most of the time, though, traditional and fast food restaurants are grouped together. You can always confirm this by calling your card issuer.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.