The Chase Sapphire Reserve® (see charges and charges) and its extra budget-friendly sibling, the Chase Sapphire Most popular® Card (see charges and charges), are among the many greatest journey bank cards as a result of their wonderful incomes charges.
They each earn 3 Chase Final Rewards factors per greenback spent on eating purchases worldwide, plus 3 factors per greenback spent on journey on the Sapphire Reserve and a pair of factors per greenback spent on journey for the Sapphire Most popular. Moreover, via Sept. 30, 2027, the playing cards earn 5 factors per greenback spent on Lyft rides.
Chase’s definition of what counts as a journey buy is kind of broad, together with nearly 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 response to Chase
Here is how “eating places” are outlined, in response to Chase’s web site:
This class’s retailers’ major enterprise is sit-down or eat-in eating, together with quick meals eating places and positive eating institutions. Retailers that promote meals and drinks situated inside amenities resembling sports activities stadiums, inns and casinos, theme parks, grocery and department shops won’t be included on this class until the service provider has arrange such purchases to be labeled in a restaurant class. Bakeries, caterers, meal package supply providers, and present card retailers will not be included within the class. Supply and takeout providers will probably 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. Primarily, any institution that serves (versus sells) meals or drinks counts. The acquisition will qualify if a service provider labeled 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 occasional outlets resembling Starbucks sometimes code as eating purchases. Normally, you may earn 3 factors per greenback spent with restaurant supply providers, together with DoorDash.
Associated: Greatest eating bank cards
What does Chase sometimes rely as eating purchases?
- Bars
- Breweries
- Cafes
- Espresso outlets
- Quick meals eating places
- Juiceries
- Restaurant supply providers (Caviar, DoorDash, Eat24, Grubhub and Seamless, however not Postmates)
- Eating places
- College eating halls
- Merchandising machines
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What does Chase sometimes not rely as eating purchases?
- Bakeries
- Catering providers
- Food and drinks institutions situated inside bigger retailers
- Grocery shops
- Inflight meals and drinks
- Meal package subscriptions
As an added restaurant supply perk, Chase Sapphire Most popular and Sapphire Reserve cardholders additionally at the moment get not less than one 12 months of complimentary DoorDash DashPass membership, which provides you free supply and diminished service charges on eligible purchases (should activate by Dec. 31, 2027).
Whereas it is unusual, typically eating places aren’t categorized appropriately, so for those who really feel like an eligible eating buy did not code correctly, you’ll be able to all the time attempt disputing it with a Chase telephone consultant or one by way of the social platform X to get the bonus factors you suppose you deserve.
Associated: Chase Sapphire Most popular vs. Sapphire Reserve: Do you have to go mid-tier or premium?
Backside line
Chase’s definition of a eating buy is kind of in depth, 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 April 2025 valuations, that is a return of as much as 6.15% on these purchases.
Plus, you might earn much more rewards by linking your card with eating rewards packages resembling Rakuten or Seated.
Apply right here: Chase Sapphire Reserve with 60,000 bonus factors after spending $5,000 on purchases throughout the first three months of account opening.
Apply right here: Chase Sapphire Most popular Card with 100,000 bonus factors after spending $5,000 on purchases throughout the first three months of account opening.
Associated: Greatest Chase bank cards
