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So you’ve got your Chase Sapphire Preferred or Reserve card, or the Ink Preferred or Cash card, and you know that certain categories earn bonus points – but now you’re asking, what qualifies in that category? In this video/post, we review the Chase bonus categories for the Chase Sapphire and Ink Business credit cards.

Bonus structure for Chase Sapphire and Ink Business cards

As a quick review, here are the bonus structures for these four Chase cards:

    • Ink Business Preferred – 3X travel, shipping purchases, internet, cable and phone services, & on advertising purchases made with social media sites and search engines
  • Ink Business Cash – 5X office supply stores, internet, cable & phone services; 2X gas stations & dining

While most purchases are straightforward, there are always some transactions where it’s ambiguous. For example, your card gets extra points for dining, but what if you order a delivery from GrubHub or Eat24? Does that count as dining? What about the travel category? Do you earn extra points for parking meters? The answer to all of these questions is usually YES!

Dining bonus category

Chase generally awards bonus points to the following charges:

    • Sit-down restaurants
    • Fast food restaurants
  • Coffee shops

Charges that MAY NOT earn bonus points:

    • Food delivery services: I’ve personally earned bonus points using Eat24 and GrubHub, and I’ve heard that UberEats and Seamless earn extra points as well. However, in my experience, I did not earn bonus points when I used Postmates. Though keep in mind that seems to change all the time!
    • Food trucks: These can really be hit or miss. I’ve noticed that about half of my charges seem to earn bonus points.
  • Restaurants & cafes in airports: This is another tricky category. Sometimes the restaurant will charge through the main airport credit card system, which may or may not be recognized as a bonus category.

Travel bonus category

Chase generally awards bonus points to the following charges:

    • Airfare booked directly with the airlines
    • Hotels and motels booked directly
    • Travel booked through discount websites (e.g., Expedia, Travelocity, Priceline)
    • Airbnb stays
    • Commuter transportation (e.g., metro and bus)
    • Gift cards ordered directly from airlines or hotel brands
    • Campgrounds
    • Cruise lines
    • Buses
    • Car rentals
    • Ride-sharing services (e.g., Uber and Lyft)
    • Parking garages and lots
    • Parking meters
    • Ferries
    • Tolls bridges and highways
    • Passenger trains
    • Limousines
  • Timeshares

Charges that MAY NOT earn you bonus points:

    • Parking meters and lots: This mostly comes through as travel, but occasionally, they are coded as part of a shopping center or complex.
    • Boutique Bed & Breakfast Lodging: I’ve stayed at a few smaller bed and breakfast places that came through as a shopping or online charge, rather than a hotel charge.
  • Tour companies: This can be hit or miss. I’ve had a few in the past that coded as an online purchase. While others definitely came through as travel, such as GAdventures and Intrepid. These can be big charges, so it’s nice knowing that you’re getting the extra points.

Business bonus categories

For the Chase Ink Business cards, both the Preferred and Cash share bonus categories around internet, cable, and phone services. 

Chase generally awards bonus points to the following charges:

  • Monthly Radio & Television Streaming Subscriptions:
    • Netflix
    • Spotify
    • Hulu
    • Sling
    • SiriusXM
    • Vudu
    • TiVo
  • Internet Services:
    • Dropbox
    • GoDaddy
    • LogMeIn Rescue

Charges that DO NOT earn bonus points:

    • Internet: Non-US providers (e.g., Shaw Internet and Cable in Canada)
    • Video and streaming services: Playstation Vue, Amazon Prime Music and Video, Apple iTunes
    • Cell phone: Google Project Fi, T-Mobile equipment purchases, Non-US providers (e.g., Rogers in Canada)
  • Other internet services: Adobe Acrobat DC, Google Cloud

Charges that may NOT earn you bonus points:

  • Gift card resellers: People have reported earning bonus points from GYFT and CardCash, though most paid via PayPal instead of through the site. I personally would not expect these charges to come through with bonus points, but your mileage may vary.
  • Web hosting services: Some seem to be classified as internet services, while others are not.

Final thoughts

Keep in mind that merchant codes can often change, so while our list reflects what’s valid in June 2017, vendors may update their codes. This has especially been true for food delivery services, which seem to constantly change their merchant codes.

I’ve included some links below to articles that dig deeper into the subject. Also, if you have an example or experience of earning or not earning bonus points, please share in the comment section below.

References

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