Which purchases code as ‘dining’ with ...

The Chase Sapphire Reserve® (see rates and fees) and its extra budget-friendly sibling, the Chase Sapphire Preferred® Card (see rates and fees), are among the many best travel credit cards as a result of their wonderful incomes charges.

They each earn 3 Chase Ultimate Rewards factors per greenback spent on eating purchases worldwide, plus 4 factors per greenback spent on flights and resorts booked direct on the Sapphire Reserve* and a pair of factors per greenback spent on all journey for the Sapphire Most popular. Moreover, (by way of Sept. 30, 2027), the playing cards earn 5 factors per greenback spent on Lyft rides.

*New cardholders who utilized for the Sapphire Reserve on June 23 and past have entry to the 4 factors per greenback spent incomes price. Present Sapphire Reserve cardholders will get entry to this elevated incomes price beginning Oct. 26.

Chase’s definition of what counts as a travel purchase is kind of broad, together with just about each trip-related cost, from Airbnb bookings to parking charges. However how does its definition of eating stack up? Fortunately, it is fairly beneficiant as nicely.

‘Eating places,’ in keeping with Chase

Here is how “eating places” are outlined, in keeping with Chase’s web site:

‘This class’s retailers’ major enterprise is sit-down or eat-in eating, together with quick meals eating places and effective eating institutions. Retailers that promote meals and drinks positioned inside amenities reminiscent of sports activities stadiums, resorts and casinos, theme parks, grocery and malls won’t be included on this class until the service provider has arrange such purchases to be categorized in a restaurant class. Bakeries, caterers, meal equipment supply providers, and reward card retailers aren’t included within the class. Supply and takeout providers shall be included in the event that they classify as a restaurant service provider.’

Whereas the time period “eating places” is fairly simple, in apply, this class is broader than it seems on the floor. Basically, any institution that serves (versus sells) meals or drinks counts.

The acquisition will qualify if a service provider classifies itself in a restaurant class when making use of to simply accept bank cards.

As an illustration, bars (together with ones that do not serve meals) and occasional outlets reminiscent of Starbucks usually code as eating purchases. Most often, you will earn 3 factors per greenback spent with restaurant supply providers, together with DoorDash and Uber Eats.

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Associated: Best dining credit cards

As an added restaurant supply perk, Chase Sapphire Preferred and Sapphire Reserve cardholders additionally at present get not less than one yr of complimentary DoorDash DashPass membership, which provides you free supply and decreased service charges on eligible purchases (should activate by Dec. 31, 2027).

Whereas it is unusual, typically eating places aren’t categorized accurately, so in case you really feel like an eligible eating buy did not code correctly, you possibly can at all times strive disputing it with a Chase consultant to get the bonus factors you assume you deserve.

Associated: Chase Sapphire Preferred vs. Sapphire Reserve: Should you go mid-tier or premium?

Chase’s definition of a eating buy is kind of intensive, so Sapphire Most popular and Sapphire Reserve cardholders have loads of alternatives to earn 3 Final Rewards factors per greenback spent. Based mostly on TPG’s July 2025 valuations, that is a return of as much as 6.15% on these purchases.

Plus, you would earn much more rewards by linking your card with eating rewards applications reminiscent of inKind, Rakuten or Seated.

Apply right here: Chase Sapphire Reserve with 100,000 bonus factors and a $500 Chase Journey℠ promo credit score after spending $5,000 on purchases inside the first three months of account opening.
Apply right here: Chase Sapphire Preferred Card with 75,000 bonus factors after spending $5,000 on purchases inside the first three months of account opening.