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 greatest journey bank cards attributable to their superb 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 resorts 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 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 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 properly.
‘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 advantageous eating institutions. Retailers that promote meals and drinks positioned inside services resembling sports activities stadiums, resorts and casinos, theme parks, grocery and shops won’t be included on this class except the service provider has arrange such purchases to be categorized in a restaurant class. Bakeries, caterers, meal equipment supply companies, and present card retailers usually are not included within the class. Supply and takeout companies might be included in the event that they classify as a restaurant service provider.’
Whereas the time period “eating places” is fairly simple, 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 simply accept bank cards.
For example, bars (together with ones that do not serve meals) and occasional outlets resembling Starbucks sometimes code as eating purchases. Most often, you will earn 3 factors per greenback spent with restaurant supply companies, together with DoorDash and Uber Eats.
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Associated: Greatest eating bank cards
What does Chase sometimes rely as eating purchases?
BarsBreweriesCafesCoffee shopsFast meals restaurantsJuiceriesRestaurant supply companies (Caviar, DoorDash, Eat24, Grubhub and Seamless, however not Postmates)RestaurantsUniversity eating hallsVending machines
What does Chase sometimes not rely as eating purchases?
BakeriesCatering servicesFood and drink institutions positioned inside bigger merchantsGrocery storesIn-flight meals and drinksMeal equipment subscriptions
As an added restaurant supply perk, Chase Sapphire Most well-liked and Sapphire Reserve cardholders additionally at the moment get at the least one yr of complimentary DoorDash DashPass membership, which supplies 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 should you really feel like an eligible eating buy did not code correctly, you may all the time attempt disputing it with a Chase consultant to get the bonus factors you suppose you deserve.
Associated: Chase Sapphire Most well-liked vs. Sapphire Reserve: Must you go mid-tier or premium?
Backside line
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. Primarily based 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 packages resembling 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.
