Chase Sapphire & Ink Bonus Categories | What Earns Bonus Points vs What Doesn’t?

Hey there it’s Ernest from Trip Astute.
In this video, we’re looking at the Chase Sapphire and Ink business bonus
categories and specifically what charges earn you extra points. 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? As a quick review here are the bonus structures for
these four chase cards: The Chase Sapphire Reserve has a three point bonus
for travel and dining; the Chase Sapphire Preferred has a two point bonus for
travel and dining; the Chase Ink Business Preferred has a three point bonus for
travel, shipping purchases, internet, and cable, and phone services, and on
advertising purchases made with social media sites and search engines; the Chase
Ink Business Cash card has a five point bonus for office supply stores, internet,
cable, and phone services, and then also a two point bonus for gas stations and
dining. While most purchases might seem straightforward, there’s always some
transactions where you wonder if it actually qualifies. For example you know
that 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”. For the dining out bonus category, Chase
generally awards bonus points to the following charges: Sit-down restaurants,
Fast food restaurants, and Coffee shops. The charges that may not earn bonus
points are food delivery services. I personally earned bonus points using a
Eat24 and GrubHub, and I’ve heard that UberEATS and
Seamless earn bonus points as well. However, in my experience, I did not earn
bonus points when I used Postmates. This seems to change all the time, so
keep that in mind. Food trucks also seem to be really hit or miss. I’ve noticed
that about half of my charges seem to earn bonus points. Another tricky
category are restaurants and cafes in airports. Sometimes the restaurant will
charge to the main airport credit card system which may or may not be
recognized as a bonus category for the travel bonus category. Chase generally
awards bonus points to the following charges: Airfare book directly with the
airlines; Hotels and motels book directly; Travel booked through discount websites
such as Expedia, Travelocity, or Priceline; Airbnb stays; Commuter transportation,
which includes metro and bus; Gift cards ordered directly from airlines or hotel
brands; Campgrounds; Cruise lines; Car rentals; Ride-sharing services such as
Uber and Lyft; Parking garages and lots; Ferries; Toll bridges and highways;
Passenger trains; Limousines; and Timeshares. Some charges may not earn you bonus points, and these include: Parking meters and lots. This mostly comes
through a travel, but occasionally they’re coded as part of a shopping
center or complex. Some boutique bed-and-breakfast locations: 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. And tour companies: This can be
hit or miss. I’ve had a few in the past that coded as online purchase while
others came through as travel, such as G Adventures and Intrepid. These can be big
charges so it’s nice knowing that you’re getting the extra points. For the Chase
Ink Business cards, both the Preferred and Cash share bonus categories around
internet, cable, and phone services. While this may seem straightforward, here is a
list of vendors you may not realize qualify as bonus
spend: Monthly radio and television subscription services, such as Netflix,
Spotify, Hulu, Sling, Sirius, Vudu, Tivo. As well as internet services:
such as Dropbox, GoDaddy, and LogMeIn Rescue. These charges seem to result in
bonus points. Charges that DO NOT earn bonus points include internet charges
from non-us providers, for example Shaw internet and cable in Canada. Some video
and streaming services such as PlayStation View, Amazon Prime Music and Video, as well as Apple iTunes. Some cellphone purchases also seem to not
result in bonus points. This includes the Google Project Fi, T-Mobile equipment
purchases (these are purchases that you would make
in the store versus paying a monthly fee as part of your plan) and some non-US
providers such as Rogers in Canada. Also, some of the other internet services have
shown not to provide bonus points such as Adobe Acrobat DC and Google Cloud.
Some charges that may not earn you bonus points also include 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. Also,
some web hosting services have shown not to provide bonus points. Some seem to be
classified as Internet services, while others are not. 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 be constantly changing their merchant codes.
I’ve included some links below to blog 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 comments section below. As always, if you
have any questions or comments, please leave them below as well. If you enjoyed
this video or found it useful, please hit the “like” button and also consider
subscribing. It’s free and you’ll get notified of updates on our channel. Until
next time, travel safe and travel smart.

16 thoughts on “Chase Sapphire & Ink Bonus Categories | What Earns Bonus Points vs What Doesn’t?

  • Jersey mike's, a sub joint similar to subway doesn't show as restaurant, so I've called chase in the past to get the correct points lol

  • I found a really flukey loophole. My mortgage company doesn't allow me to pay my mortgage with a credit card but I get around it by using Plastiq. For some reason the coding my mortgage company uses when I do this comes out as lodging so I always use my CSR and get 3X points on my payment. Even though Plastiq charges 2.5% to do this I still make money every month. No idea why they code it as lodging but I'm loving it. Also I have a question, why doesn't gas count as travel? Seems like almost everything does including parking meters, seems very inconsistent that gas wouldn't also.

  • I have a question then I will help you out with the gas. for the small business ink cards are there any foreign transaction fees?
    to me this is a company card and if the owner says you will be traveling from Chicago  to Ireland,  France, Greece  this is not a choice although the company pays the entire bill I don't think small business credit cards should have a 3% foreign transaction fee?  any thoughts?

    so if somebody who lives in New Rochele and has to go to the Westchester mall that mall charges for parking unlike palisades
    Paramus park and Garden state which don't charge. so would parking at the Westchester mall qualify as mall purchase or a parking purchase?  what about parking at a stadium like Yankee , citi field, where the phoenix Coyotes play gil river arena
    Boston garden , staple center ?  or does parking only count when your going into a big city like Chicago, La, San Fran , Boston, New York ect and you pull into a parking lot?   How come with the Sapphires exhibition baseball is not coded as travel?
    when teams are away from their own ball park this should be coded as travel  I can see when the Yankees are in Baltimore or the Dodgers are in San Diego  these are games played at somebody's home ball park. any though s about exhibition baseball
    being travel or not?

    so to answer the question gas isn't travel because even though your going from 1 place to another the bank can say that your just driving around your area you could be going to the  mall , out to eat with the family, grocery shopping, to the movies, book store
    you could also be taking a long trip  and have gas purchases a lot of them but gas isn't travel.

  • I have a question with the chase ink??? if you don't have any business can you still get the chase ink ?????

  • Very good break down of the ink cards, I think the ink cash card is the one for me, but I got to wait bc of 5/24, what a pain in the rear.

  • Recently found your channel, love the videos! It's too bad that PS Vue doesn't count towards the bonus categories. I currently have sling but am probably making the switch at the end of this month and was looking to get the chase ink cash card in the next couple of months

  • what hppens when you buy groceries at a supermarket and at the register you choose to take some cash back, will the total amount that you swiped qualify for points?

Leave a Reply

Your email address will not be published. Required fields are marked *