Which purchases code as ‘dining’ with Chase Sapphire cards?

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 attributable to their superb 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 lodges booked direct on the Sapphire Reserve* and a couple of factors per greenback spent on all journey for the Sapphire Most well-liked. Moreover, (by means 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 effectively.

‘Eating places,’ based on Chase

Here is how “eating places” are outlined, based on 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 services similar to sports activities stadiums, lodges and casinos, theme parks, grocery and department shops won’t be included on this class except the service provider has arrange such purchases to be labeled in a restaurant class. Bakeries, caterers, meal equipment supply companies, and reward card retailers are usually not included within the class. Supply and takeout companies will probably be included in the event that they classify as a restaurant service provider.’

Whereas the time period “eating places” is fairly easy, in follow, 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 just accept bank cards.

For example, bars (together with ones that do not serve meals) and low retailers similar to Starbucks usually code as eating purchases. Generally, you may earn 3 factors per greenback spent with restaurant supply companies, 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 the moment get not less than one 12 months of complimentary DoorDash DashPass membership, which supplies 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 all the time 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 in depth, so Sapphire Most well-liked 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 possibly can earn much more rewards by linking your card with eating rewards packages similar to 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 throughout 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 throughout the first three months of account opening.