What counts as dining for Chase Sapphire Preferred?

Question

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 answer merchant category code that properly reflects that it’s a restaurant.

Credit Card Companies That Count Fast Food as a Restaurant for Rewards

American Express

Bank of America

Barclays

Capital One

Chase

Citibank

Discover

US Bank

USAA

Wells Fargo

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.

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Answer 1 · 2021-08-16 19:10:05

Cameron DiGiovanni, Writer

@cdigiovanni20 • 08/16/21 This answer was first published on 05/14/21 and it was last updated on 08/16/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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:

Full-service restaurants
Fast food restaurants
Cafés
Food delivery services
Bars and breweries
Coffee shops
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.

What counts as dining for Chase Sapphire Preferred?

Cameron DiGiovanni, Writer

Here’s what counts as dining for Chase Sapphire Preferred:

Chase Sapphire Preferred® Card

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