Chase Sapphire Credit Cards Are Currently Paying 3x/5x For Dining


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Update 7 July 2020: Chase appears to have gone back to awarding 2x/3x for dining spending on these cards.

I’m a big fan of the Chase Sapphire Cards. The Chase Sapphire Preferred is a great gateway card into the miles and points world, the Chase Sapphire Reserve is a card with excellent benefits and strong earnings, and they both make a host of other cards considerably more valuable. Now, probably temporarily, both cards just became a little more valuable.

Ordinarily, the Chase Sapphire cards offer either 2 or 3 points per dollar (Preferred/Reserve) on worldwide dining and on pretty much all travel purchases a cardholder is likely to make but, for a limited time, the cards are now also offering the following:

  • 5 or 10 points/dollar on select streaming services (up to $1,500 in spending)
  • 3 or 5 points/dollar at gas station (up to $1,500 in spending)
  • 3 or 5 points/dollar on all Instacart deliveries and pick-ups (up to $3,000 in spending)

As I wrote the other day, this is yet another way in which Chase is managing to keep its travel-focused credit cards relevant at a time when most people aren’t traveling, but it looks as if the good news doesn’t stop there.

While the bonuses for spending in select categories outlined above are official (details can be found on this Chase webpage), it would appear as if there are unofficial bonuses being offered too – both the Sapphire Credit cards are currently offering great earning rates for worldwide dining.

Compare these two transactions I made with my Chase Sapphire Reserve Card:

Click to enlarge

Both transactions are for dining and both transactions were made at the same restaurant. The only difference between the two (other than the small difference in the amount charged) is that the transaction on the left was made in June while the transaction on the right was made in July.

The transaction from June earned me the usual 3 points/dollar that the Chase Sapphire Reserve Card always earns on dining, but the transaction in July earned me a further 2 points per dollar for a total of 5 points/dollar.

I’ve had a close look on the Chase website and I can’t find any mention of additional bonus points being awarded for dining purchases, so this doesn’t appear to be a move that Chase is publicizing…but I’m far from being a one-off case.

It looks as if DoctorofCredit has found reports on Reddit of others getting 5 points/dollar for spending on dining with their Chase Sapphire Reserve Card (in July) and there are further reports that the Chase Sapphire Preferred Card is paying 3 points/dollar. This isn’t a limited thing.

I have no idea why this is happening, if Chase means for it to be happening or, if this is a deliberate move by Chase, why it isn’t being publicized and if there’s a spending cap in place…but right now I’m not sure I care. 5 points/dollar of all dining spending (which includes take out/delivery and the likes of Uber Eats) is a great benefit to have on the Reserve Card and the 3 points/dollar that the Preferred Card is currently offering is pretty fantastic too.

This is unlikely to be an error (it’s a pretty major one if it is!) so I’m going to assume that this is an unpublicized bonus that will be with us for at least the month of July and, if we’re very lucky, possibly even through to the end of September which is when the publicized bonus earnings expire.

Have you noticed any extra earnings on either the Chase Sapphire Reserve or Chase Sapphire Preferred cards?

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