The Chase Sapphire Reserve® (see charges and costs) and its extra budget-friendly sibling, the Chase Sapphire Most well-liked® Card (see charges and costs), are among the many finest journey bank cards as a consequence of their wonderful incomes charges.
They each earn 3 Chase Final Rewards factors per greenback spent on eating purchases worldwide, plus 4 factors per greenback spent on flights and inns booked direct on the Sapphire Reserve* and a pair of factors per greenback spent on all journey for the Sapphire Most well-liked. Moreover, (via 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 fee. Present Sapphire Reserve cardholders will get entry to this elevated incomes fee beginning Oct. 26.
Chase’s definition of what counts as a journey buy 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,’ based on Chase
Here is how “eating places” are outlined, based on Chase’s web site:
‘This class’s retailers’ main enterprise is sit-down or eat-in eating, together with quick meals eating places and wonderful eating institutions. Retailers that promote meals and drinks situated inside services akin to sports activities stadiums, inns and casinos, theme parks, grocery and malls is not going to be included on this class until the service provider has arrange such purchases to be categorised in a restaurant class. Bakeries, caterers, meal equipment supply providers, and reward card retailers will not be included within the class. Supply and takeout providers might be included in the event that they classify as a restaurant service provider.’
Whereas the time period “eating places” is fairly simple, in observe, 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 example, bars (together with ones that do not serve meals) and low outlets akin to Starbucks sometimes code as eating purchases. Usually, you will earn 3 factors per greenback spent with restaurant supply providers, together with DoorDash and Uber Eats.
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Associated: Finest eating bank cards
What does Chase sometimes depend 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
What does Chase sometimes not depend as eating purchases?
- Bakeries
- Catering providers
- Food and drinks institutions situated inside bigger retailers
- Grocery shops
- In-flight meals and drinks
- Meal equipment subscriptions
As an added restaurant supply perk, Chase Sapphire Most well-liked and Sapphire Reserve cardholders additionally at the moment get no less than one yr of complimentary DoorDash DashPass membership, which supplies you free supply and lowered service charges on eligible purchases (should activate by Dec. 31, 2027).
Whereas it is unusual, generally eating places aren’t categorized appropriately, so in the event you really feel like an eligible eating buy did not code correctly, you’ll be able to at all times strive disputing it with a Chase consultant to get the bonus factors you assume you deserve.
Associated: Chase Sapphire Most well-liked vs. Sapphire Reserve: Do you have to go mid-tier or premium?
Backside line
Chase’s definition of a eating buy is kind of intensive, 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 may earn much more rewards by linking your card with eating rewards packages akin 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 inside the first three months of account opening.
Apply right here: Chase Sapphire Most well-liked Card with 75,000 bonus factors after spending $5,000 on purchases inside the first three months of account opening.
