
The Chase Sapphire Reserve® (see charges and charges) and its extra budget-friendly sibling, the Chase Sapphire Most well-liked® Card (see charges and charges), are among the many greatest journey bank cards as a consequence of 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 inns 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. Current 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 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,’ in response to Chase
This 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 high-quality eating institutions. Retailers that promote meals and drinks situated inside services equivalent to sports activities stadiums, inns 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 present card retailers aren’t included within the class. Supply and takeout providers will likely 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 low retailers equivalent to Starbucks usually code as eating purchases. Typically, you may 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 usually depend as eating purchases?
- Bars
- Breweries
- Cafes
- Espresso retailers
- 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 usually not depend as eating purchases?
- Bakeries
- Catering providers
- Foods 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 present get not less than one 12 months 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, typically eating places aren’t categorized appropriately, so when you really feel like an eligible eating buy did not code correctly, you possibly can at all times attempt 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 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 can earn much more rewards by linking your card with eating rewards packages equivalent 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.