Which purchases count as travel with Chase Sapphire Preferred and Chase Sapphire Reserve?

Jun 16, 2021

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Editor’s note: This post has been updated with new information.


The Chase Sapphire Reserve is well known in the travel credit cards space — and it’s also the winner of Best Premium Travel Credit Card in the 2020 TPG Awards. That’s in no small part due to the 3x points it earns on travel and dining purchases worldwide.

The Chase Sapphire Preferred Card is the lower $95-annual-fee version that still earns 2x points on these same purchases and remains a top pick, especially for those new to the award travel game.

Even better, the Chase Sapphire Preferred Card is now offering its best-ever sign-up bonus: an incredible 100,000 points after you spend $4,000 on purchases in the first three months from account opening.

Related: Sapphire showdown: Chase Sapphire Preferred vs. Chase Sapphire Reserve

No matter which Sapphire card you have, Chase has a very generous definition of what counts as travel. We’ll go over the purchases that count (and don’t count) toward earning bonus points in this guide.

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In This Post

How Chase defines travel

(Photo by Olly Curtis/Future via Getty Images via Getty Images)
Your Uber rides count as travel with the Chase Sapphire Preferred and the Chase Sapphire Reserve. (Photo by Olly Curtis/Future via Getty Images via Getty Images)

We’ve established that the rewards rates on travel and dining — 2x with the Sapphire Preferred and 3x with the Sapphire Reserve — are pretty impressive. But how do you know if a given purchase qualifies?

While dining is relatively straightforward — all restaurants (and even some bars that don’t serve food) should earn bonus points, as should delivery services such as Grubhub — on the surface, it’s less clear what counts as a travel purchase. Luckily, the answer is fairly broad and usually includes pretty much everything you’d hope … and maybe a bit more.

Related: Chase Sapphire Preferred credit card review

Here’s how ‘travel’ is defined, according to Chase’s website

Merchants in the travel category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. 

Compared to bonus categories from other credit cards, Chase’s travel category is extremely generous.

While cards such as the American Express® Gold Card and The Platinum Card® from American Express offer bonus points for airfare purchases made directly with the airline (with a spending cap of $500,000 on the Amex Platinum per calendar year), the Chase Sapphire Preferred and Reserve cards let you earn a bonus on virtually every trip-related charge.

The travel category encompasses a wide variety of purchases, from hotels and airfare (that doesn’t have to be booked directly with the airline) to cruises, tolls, and even parking fees.

Finally, Uber and Airbnb purchases count as travel as well.

Related: Chase Sapphire Reserve credit card review

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

Purchases that don’t count as ‘travel,’ according to Chase’s website

The following purchases do not apply toward the 2x or 3x bonus categories on these cards, but most of them shouldn’t be a huge surprise or disappointment:

Merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category.

A few notable travel-related charges that have not posted as travel for the purposes of bonus points with Chase for TPG staffers in the last year include an RV rental (as outlined above) as well as some home rentals via VRBO and similar services. Whether or not a vacation home rental automatically codes as travel seems to depend on if it is operated by an individual or a conglomerate. In the latter case, that charge may code as “professional services” instead of travel.

If you’re ever unsure whether a given purchase counts as travel, it could be worth making a small charge and checking to see whether it earns any bonus points on your online Chase account.

Additionally, if you feel like a travel purchase should have earned bonus points but didn’t, you can always try calling or secure messaging Chase and requesting consideration for that charge to be awarded points as a travel charge. Even if you don’t get the outcome you’re looking for, you’ll at least get some clarity on how certain charges are coded and can plan future spending accordingly.

Related: How to maximize your Chase Ultimate Rewards points

Bottom line

To recap, here are purchases that Chase counts as travel:

  • Airlines.
  • Hotels.
  • Motels.
  • Timeshares.
  • Campgrounds.
  • Car rental agencies.
  • Cruise lines.
  • Travel agencies.
  • Discount travel sites.
  • Passenger trains.
  • Buses.
  • Taxis.
  • Limousines.
  • Ferries.
  • Toll bridges and highways.
  • Parking lots and garages.

And here are travel-related purchases that Chase does not count as travel:

  • Real estate agents.
  • Educational merchants arranging travel.
  • Inflight goods and services.
  • Onboard cruise line goods and services.
  • Sightseeing activities.
  • Tourist attractions.
  • RV and boat rentals.
  • Merchants within airports and hotels.
  • Merchants that rent vehicles for the purpose of hauling.
  • Gift card merchants.
  • The purchasing of points or miles.

Holders of the Chase Sapphire Reserve and Chase Sapphire Preferred have plenty of opportunities to earn 3x or 2x points respectively on travel. Based on TPG valuations, that means you could be getting a return of up to 6% on these purchases, and you can put your points to use with 10 airline and three hotel partners.

On top of that, these Chase cards have among the most generous travel and purchase protections on the market, making either card a valuable addition to your wallet.

Additional reporting by Stella Shon and Chris Dong. 

Featured photo by The Points Guy.

Chase Sapphire Preferred® Card

WELCOME OFFER: 100,000 Points

TPG'S BONUS VALUATION*: $2,000

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

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More Things to Know
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
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Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
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