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Chase Sapphire Reserve Guide

20 data points

Agoda

USA

Travel agencies

Date

2026-04-18

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD1X

Rewards

50 Ultimate Rewards Points

携程(酒店)

China

Airlines And Air Carriers

Date

2026-04-18

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD4X

Rewards

200 Ultimate Rewards Points

携程(机票)

China

Airlines And Air Carriers

Date

2026-04-18

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD4X

Rewards

200 Ultimate Rewards Points

Disney Travel Package

USA

Hotel

Date

2026-02-21fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://disneyworld.disney.go.com/

Reward Details

Amount

Earning Rate

500 USD4X

Rewards

2000 Ultimate Rewards Points

Airbnb

USA

Professional service

Date

2026-02-10

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.airbnb.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Vrbo

USA

Professional service

Date

2026-02-10

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.vrbo.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Holland America

USA

Travel

Date

2026-02-08fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.chase.com/travel

Reward Details

Amount

Earning Rate

3500 USD8X

Rewards

28000 Ultimate Rewards Points

85c Bakery

USA

Bakeries

Date

2026-01-23

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

20 USD1X

Rewards

20 Ultimate Rewards Points

Royal Caribbean

USA

Travel

Date

2026-01-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.chase.com/travel

Reward Details

Amount

Earning Rate

100 USD8X

Rewards

800 Ultimate Rewards Points

IHG

USA

Hotels

Date

2025-12-17fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.ihg.com

Reward Details

Amount

Earning Rate

100 USD4X

Rewards

400 Ultimate Rewards Points

Hyatt

USA

Hotels

Date

2025-12-17fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.hyatt.com

Reward Details

Amount

Earning Rate

100 USD4X

Rewards

400 Ultimate Rewards Points

Marriott

USA

Hotels

Date

2025-12-17fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.marriott.com

Reward Details

Amount

Earning Rate

100 USD4X

Rewards

400 Ultimate Rewards Points

Hilton

USA

Hotels

Date

2025-12-17fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.hilton.com

Reward Details

Amount

Earning Rate

100 USD4X

Rewards

400 Ultimate Rewards Points

12306

China

Travel

Date

2025-10-05

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

41.36 USD3X

Rewards

124.08 Ultimate Rewards Points

DoorDash

USA

Dining

Date

2025-08-18fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Ultimate Rewards Points

滴滴

USA

Travel - Taxicabs

Date

2025-03-12

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

30 USD3X

Rewards

90 Ultimate Rewards Points

12306

USA

Travel - Passenger Railways

Date

2025-03-12

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

30 USD3X

Rewards

90 Ultimate Rewards Points

Disney Resorts

USA

Travel

Date

2024-06-26fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://disneyworld.disney.go.com

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Ultimate Rewards Points

Royal Caribbean

USA

Travel

Date

2024-02-15

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.costcotravel.com/

Reward Details

Amount

Earning Rate

100 USD4X

Rewards

400 Ultimate Rewards Points

Carnival

USA

Travel

Date

2024-02-15

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.costcotravel.com/

Reward Details

Amount

Earning Rate

100 USD4X

Rewards

400 Ultimate Rewards Points

Quick Rewards Guide for Chase Sapphire Reserve

💡 Primary Spending Category: The community most frequently reports using the Chase Sapphire Reserve for "Travel" transactions as well as for "Hotels & Airlines And Air Carriers".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 8X Ultimate Rewards points on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Agoda, 携程(酒店), 携程(机票), Disney Travel Package. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the Sapphire Reserve for?

Based on verified community transactions, the Chase Sapphire Reserve yields the best return when used for "Travel" transactions, followed closely by "Hotels, Airlines And Air Carriers".

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.