Chase Sapphire Preferred counts most places that have sit-down eating as dining for rewards purposes. 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 2 points / $1 spent on each purchase.
Types of Restaurants Eligible for the Chase Sapphire Preferred Dining Rewards Category
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 10x points on up to $500 in spending if you pay for food through Chase Dining. This promotion is on both Chase Sapphire Preferred and Chase Sapphire Reserve, and it will last until June 30, 2021.
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.
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