Chase Sapphire Card Bonus Classes: What Counts?

Hyperlink: Apply now for the Chase Sapphire Most popular® Card or Chase Sapphire Reserve® Card
The Chase Sapphire Most popular® Card (overview) and Chase Sapphire Reserve® Card (overview) are two of the preferred journey rewards playing cards. In 2021, the playing cards underwent a major refresh, together with the introduction of some new bonus classes.
There’s generally confusion about what’s included with these bonus classes, so on this put up I wished to interrupt that down. This will particularly be value understanding in gentle of the present glorious welcome bonus on the Sapphire Reserve.
Chase Sapphire bonus class definitions
Each the Chase Sapphire Most popular and Chase Sapphire Reserve provide bonus factors on a wide range of purchases. It may be powerful to make sense of precisely what’s included with these classes, so let’s take a better have a look at that.
Upfront I ought to observe that:
- In contrast to with another card issuers, the bonus classes usually apply globally; the playing cards each provide bonus factors on eating and journey, and that applies whether or not you’re making a purchase order in america or overseas (and there aren’t any overseas transaction charges, so these playing cards are nice overseas)
- There aren’t any limits to what number of bonus factors you may earn with the Chase Sapphire bonus classes
- It’s as much as particular person retailers to categorize themselves appropriately, and in some instances companies might not have the classes you’d count on
These bonus classes are simply one of many many causes to think about choosing up these playing cards. With that out of the best way, let’s have a look at what number of bonus factors every card earns in varied classes, and the way these classes are outlined.
Eating & eating places — earn 3x Chase factors
Each the Chase Sapphire Most popular and Chase Sapphire Reserve provide 3x factors on eating & eating places, making them among the many greatest playing cards for eating spending:
- This contains retailers with 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 reminiscent of sports activities stadiums, inns and casinos, theme parks, grocery and department shops, is not going to be included on this class until the service provider has arrange such purchases to be labeled in a restaurant class
- Purchases made at bakeries, caterers, or reward card retailers are usually not included within the class
- Supply service retailers shall be included in the event that they classify as a restaurant service provider
Journey — earn 2-3x Chase factors
The Chase Sapphire Most popular affords 2x factors on journey, whereas the Chase Sapphire Reserve affords 3x factors on journey:
- Retailers within the journey class embrace airways, inns, motels, timeshares, automotive rental companies, cruise strains, journey companies, low cost journey websites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking heaps and garages
- Some retailers that present transportation and travel-related companies are usually not included on this class; for instance, actual property brokers, academic retailers arranging journey, in-flight items and companies, on-board cruise line items and companies, sightseeing actions, excursions, vacationer points of interest, RV and boat leases, retailers inside inns and airports, public campgrounds and retailers that lease automobiles for the aim of hauling
- Purchases from reward card retailers or retailers that promote factors or miles is not going to qualify within the journey class

Choose streaming companies — earn as much as 3x Chase factors
The Chase Sapphire Most popular affords 3x factors on choose streaming companies (the Chase Sapphire Reserve doesn’t provide any further bonus factors on these purchases):
- Retailers within the choose streaming companies class focus on delivering music and video content material over the web
- Solely subscriptions paid for or purchases made with the next choose retailers will qualify for this class: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify and YouTube TV
On-line grocery shops — earn as much as 3x Chase factors
The Chase Sapphire Most popular affords 3x factors on on-line grocery shops (the Chase Sapphire Reserve doesn’t provide any further bonus factors on these purchases):
- The net grocery (excluding Goal, Walmart, and wholesale golf equipment) class contains purchases for grocery pickup and supply which are positioned on-line with grocery shops, specialty meals shops or supply service retailers that classify as grocery retailer retailers (excluding membership and subscription charges)
- Meal equipment supply companies are included
- Some retailers that promote grocery objects are usually not included on this class; for instance, bigger shops that promote all kinds of products and groceries like Walmart and Goal, wholesale golf equipment reminiscent of Costco and BJs, liquor shops and retailers specializing in only some grocery objects
- Pharmacies contained inside supermarkets is not going to earn bonus factors, no matter whether it is pickup or supply
- Purchases of reward playing cards, reward baskets and packing containers that embrace grocery objects is not going to earn bonus factors

Chase Journey — earn 5-10x Chase factors
Chase Sapphire Playing cards provide bonus factors for purchases by way of the Chase Journey Portal, past the 2-3x factors you earn on all eligible journey purchases with the playing cards. Particularly:
- The Chase Sapphire Most popular affords 5x factors on airfare, inns, automotive leases, trip leases, and cruises, booked by way of Chase Journey
- The Chase Sapphire Reserve affords 5x factors on airfare, and 10x factors on inns and automotive leases, booked by way of Chase Journey
In relation to incomes these bonus factors:
- The Chase Journey bought by way of Final Rewards class contains pay as you go journey purchases made on ultimaterewards.com or by reserving by way of the Chase Journey heart through the quantity on the again of your card
- The Luxurious Resort & Resort Assortment is not going to qualify
- Any objects or prices not paid for on the Final Rewards website is not going to qualify
- Any portion of your Final Rewards journey buy paid for utilizing factors is not going to qualify

Lyft — earn 5-10x Chase factors
By way of March 31, 2025, the Chase Sapphire Most popular affords 5x factors on Lyft, whereas the Chase Sapphire Reserve provide 10x factors on Lyft. That is because of an superior partnership between Chase and Lyft:
- Qualifying Lyft services embrace rides taken in Traditional, Shared, Lux, or XL modes, bike and scooter rides, and subscription and membership merchandise
- Buy of reward playing cards, automotive leases, car service facilities, miscellaneous charges, and different Lyft services, are excluded from this promotion
10% anniversary bonus factors
The Chase Sapphire Most popular affords 10% anniversary bonus factors:
- Every account anniversary 12 months, cardmembers will obtain bonus factors equal to 10% of the whole spending in factors from purchases made with the cardboard in the course of the earlier account anniversary 12 months
- The ten% bonus doesn’t apply to the sign-up bonus or any bonus classes, however quite simply to base spending
- In different phrases, if you happen to made $50,000 value of eligible buy in an anniversary 12 months, you’d obtain 5,000 bonus factors
That is an superior perk, and it’s not one thing supplied by the Chase Sapphire Reserve. Which means that in some classes the Most popular is extra profitable than the Reserve.
Backside line
The Chase Sapphire Most popular and Chase Sapphire Reserve have a wide range of superior bonus classes. Whereas the broadest classes are for eating and journey, there are different bonus classes which are a bit extra area of interest, and will show helpful. Hopefully the above is a helpful abstract of what’s and isn’t included with these classes.
Previously the Sapphire Reserve’s bonus classes had been considerably extra compelling, however with the modifications to the Sapphire Most popular in 2021, that’s not the case, not less than not for all customers.
What has your expertise been with Chase Sapphire bonus classes?