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
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notified of updates on our channel. Until next time, travel safe and travel smart.