Chase Sapphire Reserve Bonus MCC Categories
The Chase Sapphire Reserve earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Travel — 3x Points
Airlines, hotels, car rentals, cruises, travel agencies, tolls, parking, and other travel services earn 3x points.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Travel | 3000-3299, 3500-3999, 4411, 4111, 4121, 4784, 7011 | Delta, United, American Airlines, Marriott, Hilton, Hertz, Enterprise, Uber |
2. Dining — 3x Points
Restaurants, bars, and fast food — earn 3x points on all dining purchases.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Dining | 5812, 5813, 5814 | McDonald's, Starbucks, Chipotle, DoorDash, Uber Eats |
Tips to Maximize Chase Sapphire Reserve Rewards
- Use Sapphire Reserve for all travel and dining to maximize 3x points
- Book travel through Chase Ultimate Rewards for an extra 1.5x (total 4.5x)
- The $300 travel credit effectively reduces the annual fee to $250
- Transfer points to airline partners for 1.5+ cent per point value
- Pair with Chase Freedom Flex for 5x rotating categories
Frequently Asked Questions
What is the Chase Sapphire Reserve earn rate?
Chase Sapphire Reserve earns 3x points on travel and dining, and 1x on everything else. Book through Chase Ultimate Rewards for higher rates.
Does Chase Sapphire Reserve earn 3x on all dining?
Yes, all restaurants (MCC 5812, 5813, 5814) earn 3x points including fast food, bars, and food delivery services.
Is Chase Sapphire Reserve worth the annual fee?
Yes for frequent travelers. The $300 travel credit, Priority Pass lounge access, and 3x on travel/dining easily offset the $550 fee.
Last Updated: June 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.