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Chase Sapphire Reserve Earning Glitch: Purchases Earning Zero Points?

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Chase Sapphire Reserve Earning Glitch

Chase Sapphire Reserve Earning Glitch

Chase Sapphire Reserve is a card that is controversial. Some people find the value of the card far outweighs what they pay while others don’t feel it is worth it. Right now I know myself and a lot of people are using it to cash in Chase Ultimate Rewards at a nice price, so there is definitely some value in being a cardholder.

One of the perks of Chase Sapphire Reserve is the ability to earn 3X points on travel purchases worldwide. Here is how Chase describes it, “You’ll earn 3 points for each $1 after the first $300 is spent annually when your card is used for purchases in the travel category. Therefore, any purchases that qualify for the $300 Annual Travel Credit will not earn points.”

So outside of the $300 annual travel credit any purchases should earn 3X points. One reader unfortunately has had a glitch where his travel purchases haven’t earned anything. Here is what this reader wrote to me:

I got off the phone with Chase Sapphire Reserve customer service last night. There is a glitch where travel charges are actually being credited NO miles whatsoever….zero. They said I’m the first one to call that they are aware of. Figured you might want to point this out to readers.

While the reader didn’t want me to share it publicly, I also was able to view a screenshot showing his travel purchases earning 0 points. I am also able to confirm these purchases weren’t part of the travel credit so they should have earned points. I guess this is a good reason for us to check out our accounts just to ensure everything is coding and earning correctly. Mine seems to be correct as of now.

How to Check How Many Points You Are Earning

If you are curious to see how your purchases are coding and earning on the Chase site it is super simply. Once logged into your chase account click your Ultimate Rewards balance and view the Dashboard for your Sapphire Reserve. You can also just go to and login with your Chase login. Once logged in you’ll see your recent purchases.

I don’t have a ton of recent purchases, but here is how a restaurant purchase (which also codes as 3X) looks on my account.

Chase Sapphire Reserve Earning Glitch – Bottom Line

It’s always a good idea to audit your credit card accounts to ensure you are earning the points that you deserve! Thankfully banks have been making it easier and easier to see your transactions and how they code in real time. It sucks that our reader had a glitch, but thankfully Chase is fixing it and it’s a good reminder to be proactive in this hobby.

Have you encountered a similar Chase Sapphire Reserve earning glitch? Let us know in the comments!

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Shawn Coomer
Shawn Coomer
Shawn Coomer earns and burns millions of miles/points per year circling the globe with his family. An expert at accumulating travel rewards, he founded Miles to Memories to help others achieve their travel goals for pennies on the dollar. Shawn also runs a million dollar reselling business, knows Vegas better than most and loves to spend his time at the 12 Disney parks across the world.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. It is not a glitch. The first $300 of travel expenses each year do not earn points, whether they are reimbursed or not. It was clearly stated in the terms when they added the gas and grocery categories. You earn the points on the gas and grocery purchases, whether or not they are reimbursed, and do not earn the points on the first $300 in travel expenses, whether or not they are reimbured.

    • I think everyone with this theory has to be correct. I’ll confirm with him, but the terms are definitely clear about the first $300 not earning. Don’t know why that didn’t occur to me.

      • I’m surprised the Chase rep wouldn’t have known that. I can see where a cardholder wouldn’t have thought about it.

  2. What was the size of the purchase? I have a theory the first $300 in travel purchases will earn 0 if you used your travel credit for non travel purchases?

  3. It’s not a glitch. You earn 0 points on the first $300 of travel spend after the travel credit resets. It makes no difference if you already used up the credit on non-travel spending, which is what happened to your reader.


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