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The Chase Sapphire Preferred® Card (review) and Chase Sapphire Reserve® Card (evaluation) are two of the most well-liked travel benefits playing cards. The cards not too long ago underwent a sizeable refresh, including the introduction of some new bonus groups. There’s often confusion about what’s incorporated with these reward classes, so in this publish I required to break that down.

Chase Sapphire bonus group definitions

Both equally the Chase Sapphire Preferred and Chase Sapphire Reserve offer reward points on a range of purchases. It can be challenging to make perception of precisely what’s involved with these groups, so let us choose a nearer search at that.

Upfront I ought to take note that:

  • Compared with with some other card issuers, the reward groups usually implement globally the cards the two present bonus factors on dining and vacation, and that applies irrespective of whether you’re building a buy in the United States or overseas (and there are no overseas transaction charges, so these cards are excellent overseas)
  • There are no limits to how quite a few bonus factors you can make with the Chase Sapphire bonus categories
  • It’s up to specific merchants to categorize by themselves appropriately, and in some conditions corporations may not have the groups you’d count on

These reward classes are just just one of the quite a few explanations to think about selecting up these playing cards (and retain in intellect the Sapphire Most popular is offering an incredible welcome bonus proper now).

With that out of the way, let us glance at how lots of bonus points each and every card earns in numerous categories, and how those people groups are described.

Dining & eating places

Both equally the Chase Sapphire Most popular and Chase Sapphire Reserve provide 3x points on eating & dining establishments:

  • This incorporates merchants with sit-down or eat-in eating, including rapidly foods places to eat and wonderful eating establishments
  • Retailers that offer food stuff and drinks found inside of services such as athletics stadiums, resorts and casinos, concept parks, grocery and section stores, will not be involved in this class except the merchant has set up these kinds of purchases to be labeled in a cafe class
  • Purchases manufactured at bakeries, caterers, or gift card retailers are not integrated in the class
  • Shipping and delivery company retailers will be integrated if they classify as a restaurant service provider
Gain 3x details on eating globally with the Sapphire playing cards


The Chase Sapphire Most well-liked gives 2x factors on journey, even though the Chase Sapphire Reserve offer 3x factors on vacation:

  • Merchants in the journey classification incorporate airlines, hotels, motels, timeshares, car or truck rental organizations, cruise traces, travel businesses, low cost travel internet sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking a lot and garages
  • Some retailers that give transportation and travel-related expert services are not involved in this category for case in point, genuine estate agents, instructional merchants arranging vacation, in-flight items and products and services, on-board cruise line products and solutions, sightseeing activities, excursions, tourist attractions, RV and boat rentals, retailers in hotels and airports, public campgrounds and retailers that hire autos for the reason of hauling
  • Purchases from gift card retailers or retailers that promote details or miles will not qualify in the vacation group
Receive 2-3x factors on vacation globally with the Sapphire playing cards

Pick streaming companies

The Chase Sapphire Most popular presents 3x details on decide on streaming services (the Chase Sapphire Reserve doesn’t supply any additional bonus factors on these purchases):

  • Merchants in the decide on streaming solutions group specialize in providing new music and video content material above the world wide web
  • Only subscriptions paid out for or buys designed with the next select merchants will qualify for this group: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo Television, Apple Tunes, SiriusXM, Pandora, Spotify and YouTube Television

On-line grocery shops

The Chase Sapphire Desired offers 3x details on online grocery outlets (the Chase Sapphire Reserve doesn’t offer you any supplemental bonus factors on these purchases):

  • The on the web grocery (excluding Focus on, Walmart, and wholesale golf equipment) group features buys for grocery pickup and delivery that are put online with grocery suppliers, specialty foodstuff stores or supply services retailers that classify as grocery retail store merchants (excluding membership and membership charges)
  • Meal package shipping and delivery providers are incorporated
  • Some merchants that promote grocery products are not provided in this classification for instance, larger shops that offer a huge range of items and groceries like Walmart and Concentrate on, wholesale golf equipment such as Costco and BJs, liquor outlets and merchants that specialize in only a number of grocery things
  • Pharmacies contained inside supermarkets will not receive reward factors, no matter of if it is pickup or shipping and delivery
  • Purchases of gift cards, present baskets and bins that include things like grocery items will not earn bonus oints

Chase Vacation

Chase Sapphire Playing cards present reward points for buys as a result of the Chase Vacation portal, outside of the 2-3x factors you generate on all eligible journey purchases with the playing cards. Precisely:

  • The Chase Sapphire Preferred offers 5x factors on airfare, inns, auto rentals, trip rentals, and cruises, booked by Chase Travel
  • The Chase Sapphire Reserve delivers 5x details on airfare, and 10x factors on accommodations and motor vehicle rentals, booked through Chase Vacation

When it comes to earning these reward details:

  • The Chase Travel purchased by way of Supreme Benefits classification features pay as you go travel buys made on or by booking by means of the Chase Vacation center by using the variety on the back of your card
  • The Luxurious Lodge & Vacation resort Collection will not qualify
  • Any items or prices not paid for on the Supreme Rewards web-site will not qualify
  • Any portion of your Supreme Benefits travel buy paid out for using details will not qualify
Generate 5x factors on Chase Journey flights with the Sapphire cards


By way of March 31, 2022, the Chase Sapphire Favored presents 5x points on Lyft, though the Chase Sapphire Reserve supply 10x details on Lyft:

  • Qualifying Lyft products and solutions and providers incorporate rides taken in Vintage, Shared, Lux, or XL modes, bicycle and scooter rides, and membership and membership products
  • Obtain of gift cards, vehicle rentals, vehicle provider centers, miscellaneous fees, and other Lyft products and products and services, are excluded from this marketing

Bottom line

The Chase Sapphire Most popular and Chase Sapphire Reserve have a selection of awesome bonus groups. Though the broadest types are for dining and travel, there are other bonus groups that are a little bit a lot more area of interest, and could prove useful. Ideally the previously mentioned is a valuable summary of what is and isn’t integrated with these categories.

In the earlier the Sapphire Reserve’s reward groups have been noticeably more persuasive, but with current alterations to the Sapphire Most well-liked, which is no extended the situation, at least not for all consumers.

What has your working experience been with Chase Sapphire reward types?

By Harriet