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Chase Sapphire Cards: What Counts as Travel and What Doesn’t?

Not every purchase or reservation you make on your next trip may qualify as a travel expense.

Robin Kavanagh
By Robin Kavanagh
Jess Ullrich
Edited by Jess Ullrich
Updated Dec. 19, 2024
Fact checked

I love my Chase Sapphire Preferred® Card. Even though I’ve only had it for five months, I’ve earned a ton of points, saved a lot of money, and used my benefits to book both business and personal travel for 2020. I’m also planning to add the Chase Sapphire Reserve® to my wallet.

(Note: You can typically only have one Chase Sapphire credit card at a time. If you already have a Sapphire Preferred, you might have the opportunity to upgrade it to a Sapphire Reserve in the future.)

The Chase Sapphire cards are among the most popular travel credit cards on the market, and here’s why: With both Chase credit cards, you can get extra points for your dining and travel purchases, plus several other perks. With the Sapphire Preferred, you can earn 3X points on dining, select streaming services, and online groceries and 2X points on other travel purchases purchases. With the Reserve, you can earn 3X points; plus, you get a $300 annual travel credit.

All of these points can be used as statement credits, for booking travel, making purchases on Amazon, purchasing gift cards, and even transferring to airline and hotel partner programs. You can also combine all of your points from different Chase rewards cards into one account. With travel and car rental insurance coverage, purchase protection, and extended warranties, the Chase Sapphire cards can be powerful additions to your wallet.

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Earning extra points for dining out is pretty simple. Most places that serve food — even fast food chains and local pubs — show up on your Chase Sapphire statements as earning bonus points. Getting extra points for travel purchases can be a bit more complicated, though, as the travel category is broad. Here’s a look at what Chase counts in its travel spending category and how this measures up to other travel cards.

Chase Sapphire cards: What counts as travel?

When a business accepts Visa or Mastercard for payments, it’s assigned a code or category that corresponds to the majority of its products. Some get to choose their own merchant codes; others have their codes assigned by the service that processes their payments. When your credit card is swiped, the card issuer gets the purchase data from the merchant, including its specified code or category.

In general, Chase uses these merchant codes to determine which of your purchases qualify for points. It designates a range of merchant types for each rewards points category. For example, let’s say you purchase two tickets to Hawaii on American Airlines using your Chase Sapphire Preferred card. Your rewards statement will categorize that purchase in the other travel purchases category, and you will earn 2X points for each dollar spent.

Below are the types of merchants in the Chase Sapphire travel category:

  • Airlines
  • Hotels/motels
  • Airbnb
  • Timeshares
  • Car rentals
  • Cruise lines
  • Travel agencies
  • Expedia, Travelocity, and other discount travel booking sites
  • Campgrounds
  • Passenger trains
  • Buses
  • Taxis
  • Ridesharing services
  • Limousine services
  • Ferries
  • Tolls
  • Parking lots and garages
  • Vrbo and HomeAway purchases (may code as travel, though not consistently)

Chase Sapphire cards: 11 things that don’t count as travel

Although the list of what’s considered a travel expense seems long, some purchases you may make related to travel won’t earn you extra points. These include:

  • Real estate agent fees
  • Educational merchants that arrange travel, such as a school trip to Europe
  • In-flight goods and services
  • On-board cruise line goods and services
  • Tours and sightseeing activities
  • Excursions, such as scuba diving in the Caribbean
  • Tourist attractions, such as admission to the London Eye
  • Boat rentals
  • Merchants within a hotel or airport, such as a duty-free store or gift shop
  • Vehicle rentals for hauling

Purchasing gift cards or extra points/miles won’t count as a travel expense unless the merchant categorizes these products as travel goods. This can also apply to some items on the list above.

For example, I booked a shore excursion through Expedia for a cruise I took a few months ago. Because it was paid for through a site on the travel category list, I got 2X points. When I pre-purchased a drink package and internet service for the same cruise, Chase read those charges as coming from the cruise line itself and gave me 2X points.

When in doubt, ask the merchant if they know what category the business is listed with the card processing company. You can also call and ask Chase customer service directly.

Other travel cards with benefits

Although the benefits that come with the Chase Sapphire cards card are great, they aren’t the only travel card on the market to consider. Capital One and American Express also have travel rewards cards with competitive benefits.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a popular travel rewards card. New cardholders can earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening. Plus, you’ll get 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

Both the Chase Sapphire and Capital One Venture Rewards cards offer no foreign transaction fees, travel/car rental insurance, and the ability to use points to book travel, get statement credits, and get gift cards. But the Venture Rewards card also gives you up to a $120 credit for Global Entry or TSA Precheck fees, allows you to apply points to past travel charges through redeeming miles for statement credits, and gives you the option of cashing in points for a check. Similar to the Chase Sapphire Preferred, this card also has a $95 annual fee.

The Platinum Card® from American Express

The Platinum Card® from American Express comes packed with premium travel rewards and benefits. However, it also carries a hefty $695 annual fee (terms apply). New cardmembers are eligible for an excellent welcome offer: Earn 80,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months. You’ll also get 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases.

American Express gives you up to a $120 credit for Global Entry or TSA Precheck fees (five year plan only), as well as up to $200 in annual Uber Cash (terms apply). If you want the premium travel experience, you can take advantage of up to $550 in upgrades and benefits through the Fine Hotels & Resorts Program and a $100 annual credit to use at resorts in The Hotel Collection. Cardmembers are given Marriott Bonvoy Gold Elite status and Hilton Honors Gold Status. You can also access any of American Express’s 1,200 airport lounges worldwide. Enrollment is required for select benefits.

Rounding out this card’s travel benefits are no foreign transaction fees, car rental insurance, a premium hotline for worldwide assistance, and membership for premium car rental programs.

The final word on Chase Sapphire travel benefits

The Chase Sapphire cards are among the best travel credit cards on the market for good reason. When you take into consideration all that the Chase Sapphire Preferred card offers for a $95 annual fee, it’s a smart choice when you’re looking to make the most out of your travel rewards.

While the Chase Sapphire Reserve comes with a higher annual fee of $550, you receive a $300 annual travel credit with this card. And if you travel often, perks like 3X on other travel and dining, airport lounge access, and 10X on hotels and car rentals purchased through Chase Travel℠ (after the first $300 is spent on travel purchases annually) can offset the cost of annual fee, whether you're using the Chase Sapphire Preferred card internationally or nationally.

Although there are other travel reward cards on the market, each has its benefits and drawbacks. Make sure to thoroughly read through all the offerings and choose the one that makes the most sense for your lifestyle.

Great for Flexible Travel Rewards

Chase Sapphire Preferred® Card
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Chase Sapphire Preferred® Card

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Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks
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