Chase Sapphire Preferred dining purchases include most places that have sit-down eating. More specifically, 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 categorizes vendors based on what they sell. Merchants that are classified as a restaurant will give Chase Sapphire Preferred cardholders 3 points per $1 spent on each purchase. This includes eligible delivery services, takeout and dining out.
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 be classified as restaurants. In addition, bakeries, grocery stores, and caterers usually will not qualify as part of the Chase Sapphire Preferred dining category.
The Chase Sapphire Preferred categories for bonus rewards are dining (including eligible delivery services) and travel. Purchases that fall into the Chase Sapphire Preferred bonus categories get cardholders extra rewards compared to the card’s base earning rate.
Whether a purchase falls into a card’s bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit card networks to merchants based on what kind of business they conduct. So, if a merchant has the MCC for “dining,” for example, purchases made at that merchant will earn bonus rewards on cards that include “dining” as a bonus category.… read full answer
When choosing a rewards credit card, it’s a good idea to pick a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories. So, if you spend a lot in the categories offered on the Chase Sapphire Preferred, it may be a good card for you.
Chase Sapphire Preferred dining purchases earn 2 points per $1 spent. There’s no limit to the number of points you can earn. Eligible purchases include either sit-down or eat-in fast food and fine dining restaurants. Bakeries, caterers and food delivery services are not eligible unless the merchant’s category code for the transaction is classified as “restaurant.” This also applies to merchants that sell food and drinks located inside venues such as sports stadiums, hotels and casinos, theme parks and grocery or department stores. Chase does not determine merchant category codes nor are they responsible for which codes merchants use.… read full answer
The Chase Sapphire Reserve dining rewards category includes most places that have sit-down or eat-in, from eligible delivery services, to takeout and dining out. Purchases from merchants that are classified as “dining/restaurants” will give you 3 points per $1 spent.
Examples of what Chase Sapphire Reserve dining rewards category includes:
Examples of what Chase Sapphire Reserve dining rewards category doesn’t include:
What does not count as dining for Chase Sapphire Reserve are purchases at bakeries, catering services and grocery stores. Merchants that sell food and drinks inside larger venues such as hotels/casinos, amusement parks and sports stadiums also do not qualify, unless purchases are categorized under the merchant code for restaurants. It is also worth noting that Chase is not responsible for how merchants code dining transactions.
There’s no limit to the number of points a cardholder can earn on Chase Sapphire Reserve dining purchases. Travel purchases also get the 3 points per $1 spent earning rate when they are not booked through Chase. All purchases that don’t qualify for bonus rewards get 1 point / $1 spent.
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