What Do Card Issuers Rely as Dining Purchases?

Earning reward benefits on your beloved food items could rely on your issuer.

Credit history card rewards for dining buys are a extended-standing custom, harkening back again a long time to the dining cards of yore. Currently, you can uncover playing cards that present reward benefits on eating buys from just about each and every issuer.

However, just about every card with dining benefits has a distinct definition of what counts as a dining acquire. Frequently, issuers rely on service provider codes — four-digit numbers that explain what the small business does — to determine what is a restaurant (and what isn’t).

But although these codes tend to be equivalent across issuers, which service provider codes are provided in a offered classification can fluctuate drastically. For instance, some issuers might count bars as component of dining, though some others only include eateries. This is a glimpse at what quite a few important issuers have to say on the matter.

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American Convey

Various popular American Express credit history cards offer reward benefits on dining purchases, a couple at incredibly substantial rates. Some Amex playing cards specify U.S. dining places only, but most Amex vacation cards give bonus dining rewards on places to eat all over the world.

On paper, Amex is very restrictive about what counts as a cafe. Cardholders can generate reward benefits at frequent sit-down dining places and quick-food restaurants. You can also assume reward benefits from a amount of 3rd-get together shipping providers, primarily Uber Eats and Grubhub, which are associated with many Amex cards via assertion credit history gives.

Amex also lists a amount of retailers that would not count as dining:

  • Bars
  • Nightclubs
  • Advantage stores
  • Supermarkets
  • Grocery retailers
  • Cafeterias
  • Caterers
  • Theater clubs
  • Breweries
  • Bakeries
  • Conference venues

Amex also states that dining places inside of other businesses might not be eligible for dining benefits if their service provider code is “retail” in its place of “cafe.”

Bank of The us

Bank of The us is also to some degree restricted in its definition of dining. But, not like Amex, it does count your bar tab. Particularly, Financial institution of America’s eating classification includes:

  • Whole-services dining places
  • Quickly food stuff
  • Bars or taverns

Once again, when not specifically mentioned, lots of well-liked cafe shipping and delivery solutions will also qualify for bonus eating benefits. The issuer will not list exclusions, so other kinds of dining institutions, this sort of as bakeries or cafes, could or may perhaps not qualify based mostly on their merchant codes.

Funds One

Money A single credit rating playing cards that gain bonus dining benefits can do so at a large array of retailers, together with:

  • Whole-support restaurants
  • Rapidly-foodstuff eating places
  • Bars
  • Cafes
  • Bakeries

The list printed by Funds Just one finishes with “and extra,” so you can very likely be expecting that more, similar establishments would also qualify as element of the dining class — however it is up in the air what all those could be. In apply, cafe shipping and delivery services normally qualify, nevertheless food kits frequently do not.


Most Chase credit score cards essentially gain reward rewards on eating buys, but, according to Chase, the category alone is minimal to common sit-down dining establishments and speedy-food items establishments. The listing of merchants that don’t qualify is much larger, which include:

  • Places to eat within other businesses (like at stadiums or casinos)
  • Bakeries
  • Caterers
  • Dairy-product shops

No matter whether bars, cafes, and other related enterprises qualify for eating rewards may differ based mostly on the certain merchant code. Anecdotally, most bars and coffee shops will often qualify. And numerous restaurant shipping companies typically rely — Chase even has a partnership with DoorDash, providing discounted memberships with various of its playing cards.


Citi credit rating cards have some of the ideal eating rewards costs, but the issuer presents the exact vague checklist as many other issuers. Qualifying merchants include things like:

  • Whole-assistance dining places
  • Cafes
  • Bars
  • Lounges
  • Fast-food stuff restaurants

While Citi would not have partnerships with individual restaurant delivery services, the issuer will depend most of the popular providers as eating for benefits uses. Retailers that are specifically excluded from earning dining rewards contain bakeries, caterers, and dining establishments inside other establishments (this sort of as ballparks and concept parks).

Find out

Many Find credit history playing cards give eating benefits, although it may be confined to a person quarter a 12 months for some cards. The list of qualified retailers supplied by Explore includes:

  • Complete-service eating places
  • Cafes
  • Cafeterias
  • Quick-food items dining establishments

Cafe shipping and delivery products and services categorised as places to eat will be qualified for bonus benefits. Discover isn’t going to record ineligible merchants, so it’s unclear if the card will give reward benefits for bars, bakeries, or other merchants.

U.S. Bank

U.S. Lender has two types of dining types relying on your certain card. For some cards, the eating group is common and involves:

  • Total-assistance dining places
  • Quick-food items places to eat
  • Bars

But some U.S. Bank cards that enable you pick out your own groups may perhaps separate rapid meals from other kinds of eating selections. In the latter situation, only fast-food dining places rely for that group, although the restaurant class incorporates comprehensive-provider restaurants and cafe supply companies.

You won’t know until you check out

As you can see, there’s a good deal of ambiguity in issuer definitions of dining. In the end, the only genuine way to see how an issuer will classify a presented business is to make a purchase. The moment the transaction hits your account, you ought to be ready to see what form of benefits it attained.

If you designed a buy that did not receive dining rewards but you consider it really should have, you can consider achieving out to your issuer to have the company reclassified, but the achievement of this tactic is pretty significantly YMMV (your mileage might change).