What counts as dining for Chase Sapphire Preferred?

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:

• Fast food restaurants
• Fine dining establishments… read full answer
• Bars and breweries
• Coffee shops
• University dining halls
• Cafés
• Eligible delivery services
• Takeout orders

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.