I was surprised when I noticed that I didn’t get triple points on my Chase Sapphire Reserve® for a recent dinner at Chef Dave’s Catering in Cleveland. Chef Dave’s runs upscale restaurant nights several nights per month and I had been used to getting double points on my old Sapphire Preferred card. Did that card have an advantage over Sapphire Reserve?
I sent Chase a secure message and first they responded with this nonsense,
“Thank you for contacting Chase to inquire about the reward points on your account.
Let me share that the rewards adjustment on your Sapphire Reserve card you requested cannot be made because the merchant is not in an eligible category.
Visa and MasterCard systems assign a category code to each merchant, based on the kinds of products and services they sell. Sometimes the system places merchants in a generalized category, like “superstores” instead of “grocery stores” or “gas stations.”
Since the merchant in question did not assigned an appropriate category for your purchase, your purchase did not qualify for this reward.”
I confirmed that the charge was categorized as catering on Chase’s site. The front-line SM agents aren’t very good, so I replied asking that they have their supervisor read my original question and get back to me.
A senior agent then replied,
“Thank you for contacting Chase about rewards points earned on your Chase Sapphire Reserve® account.
I have researched the account and determined that the charge of $147.50 from Chef Dave’s Catering bills as “Caterers”.
I would like to explain that as of 8/30/2016 transactions billed as Bakeries, Caterers, & Dairy product stores will no longer qualify as accelerated rewards earnings. This is for all Chase products to remain fair and consistent.
I have added 443 points to your rewards balance for this purchase. These points are available for immediate use and will appear on the next billing statement for review.
Please keep in mind that going forward, transactions billed as Caterers will only qualify to earn 1 reward per $1 spent.”
Bummer. I’m quite surprised that they didn’t send out a notice about this, though because of that if you do have any charges in those categories you should be able to send a secure message or call to get triple points for it.
For those keeping score at home, triple point categories for Sapphire Reserve now include:
Restaurants, fast food, coffee shops, and bars.
Travel (Valid for $300 in annual automatic refunds and triple points):
-Airfare, including tickets bought from travel agents and online agencies.
-Hotels, Airbnb, and campgrounds.
-Timeshares (just in case you’re a real sucker)
-Transportation including trains, buses, subways, taxis, Uber, Lyft, Gett, limos, ferries, bridges, tolls, E-ZPass, and parking.