trip insurance with chase sapphire reserve

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

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Full List of Travel Insurance Benefits for the Chase Sapphire Reserve Card [2024]

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Table of Contents

Chase sapphire reserve card — travel insurance benefits and protections, how to file a claim, everything else you need to know, why we like the chase sapphire reserve overall, alternative travel rewards cards, final thoughts.

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Few credit cards can compete with the Chase Sapphire Reserve ® when you’re looking for a premium travel rewards credit card. There are also few, if any, travel rewards cards that offer a better selection of travel insurance benefits.

Travel insurance benefits and protections that come with your credit card can provide valuable assistance if your trip is disrupted, reimburse you for expenses if things go wrong during your journey, and much more.

It’s become increasingly more important to have a level of travel insurance for peace of mind and to make you whole after an unexpected event. While the travel insurance that comes on your credit card is not meant to take the place of a comprehensive travel insurance policy , it can provide sufficient coverage for most trips you make.

Today, we’ll dive deep into the assortment of travel insurance benefits that come with the Chase Sapphire Reserve card.

We’ll also look at how the coverages work, glance at the process for filing a claim if something does go wrong, and in the end, give you all the other reasons we like the card for frequent travelers.

There are so many reasons we like the Chase Sapphire Reserve card overall and we’ll cover those later in our article. For now, we’re going to jump right into the focus of our review, the travel insurance benefits and protections offered on the card.

Some benefits or protections can save you money , others provide assistance during your travels, and yet others offer peace of mind .

Here is our breakdown of the travel insurance coverages that can be found on your Chase Sapphire Reserve card.

Auto Rental Collision Damage Waiver

The auto rental insurance coverage on your Chase Sapphire Reserve card could save you hundreds of dollars on your car rental bill. Simply reserve and pay for your car rental with the card, decline the car rental agency’s collision damage waiver (CDW) or loss damage waiver (LDW) coverage, and receive primary car rental coverage for theft or damage to the rental car.

Primary coverage means that you do not have to file a claim with another insurance company first.

Additional coverage includes loss of use charges and reasonable and customary towing charges.

You and authorized drivers listed on the rental agreement are covered.

Coverage limitations and conditions apply, including:

• $75,000 coverage limit
• Rental period cannot exceed 31 days
• Liability coverage and the loss of personal items are not covered
• Expenses reimbursed by other insurance are not covered
• Antique vehicles, vans that carry more than 9 people, motorcycle/bikes, limos, and recreational vehicles are not covered

Bottom Line: The Chase Sapphire Reserve card comes with primary car rental insurance. If a car rental agency charges $20 per day for this coverage, you could save $140 on a 7-day rental by declining the rental car agency’s collision damage waiver or loss damage waiver coverage.

Trip Cancellation and Trip Interruption

When you pay for your trip partially or in full with your Chase Sapphire Reserve card, with Ultimate Rewards points earned on your card, or a combination of both, you could receive a benefit if your trip has to be canceled or is disrupted for a covered reason.

Examples of covered events could include:

• Severe weather that prevents you from beginning a trip or keeps you from continuing your travels
• Illness or death of an immediate family member or travel companion
• Certain legal obligations

Examples of expenses reimbursed include:

• Prepaid non-refundable expenses charged by a travel supplier, such as a tour operator, airline, or other common carriers
• Non-refundable prepaid expenses charged by rental car or travel agencies
• Under trip interruption, $250 for emergency ground transport

The trip cancellation/interruption coverage that comes with the Chase Sapphire Reserve card pays up to $10,000 per person, per trip , up to $20,000 per occurrence, and up to a maximum of $40,000 in a 12-month period.

Examples of losses that would not be covered could include:

• Cancellation by the travel provider (unless due to severe weather)
• You change your plans
• Preexisting conditions
• Financial insolvency of the travel provider
• Losses that occur on trips exceeding 60 days

Hot Tip: The trip cancellation and trip interruption insurance that comes with a credit card, including the Chase Sapphire Reserve card, does not cover voluntary trip cancellations. If you think you might have to cancel a trip, you should purchase Cancel for Any Reason Insurance which provides coverage regardless of the reason for cancellation. 

Trip Delay Reimbursement

Trip delays of more than 6 hours or an overnight stay trigger the trip delay reimbursement coverage on your Chase Sapphire Reserve card. You and your eligible family members could receive up to $500 for each purchased ticket , per trip, for unreimbursed expenses for incidentals, lodging, and meals.

Lost Luggage Reimbursement

If your checked or carry-on luggage is lost, stolen, or damaged, you could receive up to $3,000 per person , per trip. There is a sub-limit of $500 included in the $3,000 maximum for valuable items such as jewelry watches, and specific electronics.

Baggage Delay

When your bags are delayed for more than 6 hours , you could receive up to $100 per day for 5 days for reimbursement of essentials such as clothing, toiletries, and a cell phone charger.

Roadside Assistance

Make just a call if you have a roadside emergency and receive assistance with services such as flat tire replacement, emergency fuel, jump-start service, towing, lock-outs, and more.

The number of covered service calls each 12-month period is limited to 4 and the maximum coverage is $50 per service call. Any charges over that amount will be charged to the Chase Sapphire Reserve card.

Emergency Evacuation and Transportation

Pay for at least a portion of your common carrier trip with your Chase Sapphire Reserve card. Then, if you or an immediate family member become injured or sick during your travels and need emergency evacuation, the card could provide up to $100,000 in coverage .

Trips must be at least 5 days in length , not more than 60 days, and the traveler must be more than 100 miles from home.

This is not reimbursement coverage — you must call the benefits administrator at the time of the incident to initiate emergency transport.

Emergency Medical and Dental Benefit

It’s rare to find any medical or dental coverage provided on a credit card, but the Chase Sapphire Reserve card offers this benefit for its cardholders and qualifying family members.

Here’s how the coverage works:

• Provides up to $2,500 ($50 deducible) for emergency medical or dental services during a covered trip
• Up to $75 per day for 5 days for a hotel if ordered by the attending physician
• Emergency medical/dental services, hospital room, ambulance, medicines, and supplies are examples of covered items
• The trip must be more than 100 miles from your residence

Travel Accident Insurance

Travel Accident Insurance is a benefit seldom ever used but it can provide peace of mind knowing that if a covered death or dismemberment occurred during you or your family’s common carrier trip, there could be a benefit provided.

The card comes with up to $1,000,000 in coverage.

Travel and Emergency Assistance

Whether you need assistance planning your trip or need help during your travels, you’ll have access to a dedicated phone line 24/7 . Receive assistance such as help securing emergency transportation, translation, medical, and legal referrals, help with lost passports, or emergency ticket replacement.

The cost of the actual services received is the responsibility of the cardholder.

Bottom Line: The Chase Sapphire Reserve card comes with one of the best collections of travel insurance benefits and protections available. To learn about additional credit cards also offering travel insurance, check out our list of the best credit cards for travel insurance . 

The best time to think about filing a travel insurance claim is before an event happens . Before setting off on your trip, it’s wise to take a few minutes to learn how you or your travel companions could receive assistance, should your trip be disrupted.

Reviewing the process of how to contact the claims administrator en route, should it become necessary, could save you money and frustration after the fact for not following the correct procedure for coverage to be valid.

Reviewing the claims process in advance also makes it easier to gather needed information at the time of disruption, such as photos or a statement from the travel provider, versus trying to secure the needed documentation once you’ve arrived home from a disrupted trip.

Here’s what you’ll need to know about filing a claim for Chase credit card travel insurance benefits and/or protections.

Time Is of the Essence

Each specific travel insurance coverage has stated time limits to report a claim, submit the completed and signed claim form, and for supplying all of the required documentation. Failing to do so could jeopardize the processing of your claim.

The best rule of thumb is to contact the claims administrator as soon as an event occurs . This action can also help you receive proper instructions on how to proceed to make sure your expenses will be covered.

Documentation Is Important

You will be asked to submit documentation for your claim to be processed properly. Keep in mind that Chase is not processing your claim as the card issuer utilizes a third-party claims administrator .

You could be asked to provide any of the following information:

• A completed and signed claim form
• Your credit card statement that includes the last 4 digits of the card and receipts showing you paid for the trip/car rental with the eligible card and/or associated points
• A copy of your common carrier ticket and itinerary
• Any related medical documents and/or death certificate
• Documentation from the travel provider as to why the trip was interrupted, canceled, or delayed
• Receipts for purchases and food expense receipts over $50
• Copy of the travel provider’s cancellation or refund policy
• Any additional documentation requested by the benefit administrator

Hot Tip: The claims process will be easier if you have saved receipts, kept travel provider cancellation/refund policy documentation, and have copies of your ticket information and itineraries. 

Our list of Chase Sapphire Reserve card travel insurance benefits is an overview only. We have also abbreviated the coverage descriptions. You will need to access the official Guide to Benefits for the card for terms, conditions, current coverage limits, and claim procedures.

Also, note that most travel insurance benefits that come with credit cards are normally secondary to other insurance you might have that would otherwise cover the loss. If you are compensated by an airline for lost luggage, for example, you would only have coverage via your credit card for any excess loss you incurred above the airline’s payment (up to the limits of coverage).

In addition to having one of the best travel insurance offerings among credit cards, the Chase Sapphire Reserve card comes with strong earnings, redemption options, statement credits, and additional benefits.

Here are some of the reasons we like this premium travel rewards card.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC
• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

The Chase Sapphire Reserve card earns valuable, flexible Ultimate Rewards points on every purchase you make.

Here’s how you’ll earn points on the card:

• 10x earnings on car rentals, hotels, and dining booked via Chase Travel
• 5x earnings on air travel
• 3x earnings on all other travel and dining
• 10x earnings on Lyft rides (through March 31, 2025)
• 1x earnings on all other purchases

When it comes time to redeem your Ultimate Rewards points , you’ll have several options offering various values:

• Transfer Ultimate Rewards points to Chase airline and hotel partners to redeem for award tickets or free hotel nights
• Redeem via the  Chase travel portal  for 1.5 cents each
• Redeem for a statement credit or cash-back at 1 cent each
• Pay Yourself Back to redeem your points for a statement credit at 1.25 to 1.5 each from a list of eligible purchases that rotates
• Redeem for gift cards, experiences, merchandise, or at Amazon and Apple

Other redemption values vary, but always strive to receive no less than 1 cent per point redeemed as you can cash out points for that amount. Transferring Ultimate Rewards points to travel partners can potentially result in the most value for your points. You may also find good value via the Chase travel portal utilizing points at 1.5 cents each for inexpensive flights.

Statement Credits

Receiving statement credits for purchases you’ll be making anyway is an effective way to offset the card’s annual fee. Here are the statement credits you can expect from the Chase Sapphire Reserve card:

• $300 Travel Statement Credit — Each card anniversary year, you’ll receive reimbursement for your travel purchases in the form of a statement credit of up to $300.
• Global Entry, NEXUS, or TSA PreCheck Fee Reimbursement — Once every 4 years, you can receive up to $100 reimbursement for Global Entry fees, $50 for NEXUS enrollment, or $78 for TSA PreCheck.

Additional Benefits

• Complimentary Priority Pass Select Membership — Enjoy access to over 1,400 airport lounges worldwide with your membership. You’ll also be able to bring in 2 additional guests at no extra charge.
• Complimentary DoorDash DashPass Subscription — You’ll have free delivery on all orders $12 or more and discounted fees (over $100 value). Activate by December 31, 2027.
• No Foreign Transaction Fees — A typical foreign transaction fee can be 3% of your transaction. You won’t have any such fees on your foreign purchases when you use your Chase Sapphire Reserve card.
• Purchase Protection — Use your card to purchase an eligible item and if that item is damaged, stolen, or experiences “involuntary and accidental parting” you could receive up to $10,000 per claim, for a maximum of $50,000 per year . The coverage is valid for 120 days from the purchase date. Gifts purchased for others are also covered.
• Return Protection — If the merchant will not take back any eligible item within 90 days after the purchase date, you could receive up to $500 per item, $1,000 maximum per year.
• Extended Warranty — The manufacturer’s warranty of 3 years or less will be extended for 1 additional year for eligible items. Coverage is limited to $10,000 per claim, $50,000 per account.

Bottom Line: With powerful earning and redemption options, statement credits for specific purchases, worldwide lounge access, and a long list of travel and shopping benefits/protections, the Chase Sapphire Reserve card can be worth the annual fee. 

While we think the Chase Sapphire Reserve card is an excellent choice for a travel rewards card, here are a couple of equally appropriate alternatives for the frequent traveler.

The Platinum Card ® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

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When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.
• APR: See Pay Over Time APR

American Express Membership Rewards

Also packed with a generous collection of travel insurance benefits , the Amex Platinum card shines as a companion for the frequent traveler.

Its lounge access benefits are second to none, plus it offers hotel program elite status, rental car perks , and statement credits for specific purchases. It also earns valuable, and flexible, Membership Rewards points via a generous bonus earnings on eligible travel.

Chase Sapphire Preferred ® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• APR: 21.49%-28.49% Variable

If you’re looking for a travel rewards credit card but are reluctant to pay a high annual fee, or you won’t use all of the benefits offered on the Chase Sapphire Reserve card, you might want to consider the Chase Sapphire Preferred card .

The Chase Sapphire Preferred comes with many of the travel insurance benefits and protections offered by the Chase Sapphire Reserve card and it’s one of our favorite travel rewards cards.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck ®
• APR: 19.99% - 29.99% (Variable)

Capital One Miles

The newest premium travel rewards card on the block is the Capital One Venture X card . We like that the card comes with an annual $300 credit for travel purchased via Capital One Travel .

The card’s annual fee is also lower than most premium travel rewards cards but you’ll still find travel insurance , worldwide lounge access , Global Entry or TSA PreCheck fee reimbursement, stellar earnings on travel, cell phone protection , and a respectable 2x earnings on all other purchases.

While the high annual fee may be off-putting, the Chase Sapphire Reserve card is packed with plenty of benefits to justify the expense — if you’ll utilize the majority of those benefits.

Our focus today was on travel insurance benefits that alone could save you money, provide compensation, and/or reimbursement if your trip is disrupted. But there is additional value in all the other benefits offered on the card .

A Priority Pass Select membership, for example, will set you back as much as $469 each year, plus $35 for each guest, per visit. The Priority Pass membership that comes with the Chase Sapphire Reserve card offers unlimited access for the cardholder and allows 2 additional guests at no charge.

The card also comes with a $300 travel credit , and up to $100 for Global Entry, NEXUS. or TSA PreCheck fees.

If you can utilize the benefits, the card can be worth it.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For Capital One products listed on this page, some of the benefits may be provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

For rates and fees of The Platinum Card ® from American Express, click here .

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Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01          Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card * each year. Each year, your first $300 in travel purchases will not earn rewards points. *

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. *

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. *

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. *

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. *

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. *

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ®  or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. *

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. * For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. *   Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. *

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. *

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. Offer ends 12/31/2024 . *

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. * This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. * That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02          Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. * From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

From ordering your favorite gourmet takeout to restocking your groceries with a free DashPass membership on both DoorDash and Caviar. You’ll pay a $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027 * . Plus DashPass members get access to up to $25 in monthly savings with a $5 monthly credit automatically credited to your DoorDash account * and up to $20 per month to use on non-restaurant DoorDash orders, via two $10 promos. *

03           Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. *

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. *

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. *

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee and eligible purchases for gas, wholesale clubs, and pet supplies & vet services by September 30, 2024. *

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® and Amazon.com. *

04          Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select. *

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05          Protection

Travel with peace of mind *

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection *

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. *

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. *

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. *

06          Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM 

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07          Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. *

Shop Peloton

08          Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service *

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

Manage your account with ease

Create an account on chase.com and download the Chase Mobile ® app * to check account and points balances, pay bills and more.

Tap-to-pay contactless checkout

Simply tap to pay with your contactless Chase Sapphire card. Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal. It's fast, easy and secure!

Add an authorized user

Maximize your reward earning potential by adding an authorized user to your account. *

Go paperless

Get your statement online. Safely access up to 6 years of statements online. It's secure, convenient and reduces clutter.

Convenient ways to pay

Load your card into a digital wallet for a quick and secure way to pay with your mobile device and receive all the benefits and rewards of using your Sapphire Reserve card.

Earn points automatically

Grow your points balance by using your card as the primary payment method for:

• Online checkout Add your card to your favorite shopping apps and online merchants to conveniently build up your points balance.
• Monthly bills Use your card to make auto payments for monthly bills (e.g., cell phone and utility bills). *

Redeem for travel

Use points toward your next getaway—they’re worth 50% more when you redeem them for travel through Chase Travel.

Pay Yourself Back ®

Your points have more value when you redeem them for statement credits after making eligible purchases on gas, wholesale clubs, and pet supplies & vet services by September 30, 2024.

Chase Dining SM

Order takeout at popular eateries around town or make reservations at restaurants, wineries and bars across the country.

There's so much for you

More Sapphire Offers

There’s so much more to make yours—top benefits, offers and experiences for Sapphire Reserve cardmembers.  

Reserved by Sapphire SM

Your Sapphire Reserve card opens new doors to more flavors, sights and sounds. Explore the extraordinary lineup of experiences—including culinary, sports, music and entertainment.  

Refer-A-Friend

Earn up to 75,000 bonus points per year by referring friends to either Chase Sapphire ® card.  

Already a Sapphire cardmember?

Sign in to view your account, access exclusive content and take advantage of your Sapphire benefits.

Not a Sapphire cardmember yet?

We’re glad you’re here. Learn more about getting a Sapphire card.

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View the details of the Sapphire Reserve benefits offered on this page.

©2024 JPMorgan Chase & Co. JPMorgan Chase Bank, N.A. Member FDIC

UNDERSTAND YOUR BENEFITS

Your Guide to Benefits has what you need to know about the travel and purchase protection benefits that come with your card* – what's covered, not covered, and how to file a claim.

* Certain restrictions, limitations, and exclusions apply.    Please see your Guide to Benefits for details.

Chase Sapphire Reserve ® Credit Card

  60,000 bonus points

  $1,000 one thousand dollars partnership value

  $300 travel credit

New cardmember offer

60,000 bonus points.

after you spend $4,000 on purchases in the first 3 months from account opening. * Opens offer details overlay

At a glance

Exceptional travel rewards and benefits.

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel SM after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Interest Rate

22.49 Min. of (8.50+13.99) and 29.99 %– 29.49 Min. of (8.50+20.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$550 annual fee † Opens pricing and terms in new window ; $75 for each authorized user † Opens pricing and terms in new window * Opens offer details overlay

Travel Credit Card Rewards & Benefits

New cardmember offer.

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

Partnership Benefit

$1,000 in additional partnership benefit value.

Take advantage of over $1,000 in partner value Opens overlay. with Sapphire Reserve. * Opens offer details overlay

Travel Credit

$300 annual travel credit.

Take advantage of the most flexible travel credit available Opens overlay. by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card. * Opens offer details overlay

Earn Rewards

More ways to earn.

Earn 5x total points on flights when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Earn 10x total points on hotels (excluding The Edit SM ) and car rentals when you purchase travel through Chase after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Earn 3x points on dining at restaurants, including eligible delivery services, takeout, and dining out. * Opens offer details overlay Plus earn 3x points on other travel worldwide after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Earn 10x total points on Chase Dining purchases with Ultimate Rewards ® . * Opens offer details overlay

Get 50% more value when you redeem for travel through Chase. For example, 60,000 points are worth $900 toward travel. * Opens offer details overlay Plus, ultimate rewards points do not expire as long as the account is open. * Opens offer details overlay

No Expiration

Complimentary airport lounge access.

Complimentary access to 1,300+ airport lounges worldwide with up to two guests, plus every Chase Sapphire Lounge by The Club location, after an easy one-time enrollment in Priority Pass ™ Select. * Opens offer details overlay

application fee credit

Global entry or tsa precheck ® or nexus fee credit.

Receive one statement credit of up to $100 every four years as reimbursement for the application fee charged to your card. * Opens offer details overlay

Explore Additional Benefits

Your points get you more opens drawer that reveals additional content.

Turn points into travel experiences and so much more

50% More in Travel Redemption

Get 50% more value when you redeem for travel through Chase Travel. For example, 60,000 points are worth $900 toward travel. * Opens offer details overlay

No Blackout Dates or Travel Restrictions

As long as there's a seat on the flight or room at the hotel, you can book it through Chase Travel.

1:1 Point Transfer

Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

Ultimate Rewards Points Do Not Expire

Ultimate Rewards points do not expire as long as the account is open.

No foreign transaction fees † Refer to Pricing and Terms Opens drawer that reveals additional content

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. † Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Premium travel benefits Opens drawer that reveals additional content

Elevate your travels from door to door

Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year. * Opens offer details overlay

Complimentary Airport Lounge Access

Rest and revive before your flight at one of the 1,300+ VIP lounges in over 500 cities worldwide after an easy, one-time enrollment in Priority Pass ™ Select. * Opens offer details overlay

The Edit SM

Book through The Edit SM and discover a curated collection of inspired stays with cardmember benefits including daily breakfast for two, a $100 property credit, room upgrades (upon availability) and more. * Opens offer details overlay

Reserved by Sapphire

Explore the extraordinary line up of experiences including culinary, sports, music and entertainment.

24/7 access to Customer Service Specialists

Count on 24/7 access to a dedicated customer service specialist from anywhere in the world.

Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits

Enjoy VIP amenities, complimentary status upgrades, and discounts with Avis ® , Hertz ® , National ® and Audi On Demand when you book with your Sapphire Reserve Visa Infinite card. * Opens offer details overlay

Travel protection Opens drawer that reveals additional content

You're covered with the most comprehensive suite of travel benefits

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. ^ Same page link to disclaimer

Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels. ^ Same page link to disclaimer

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. ^ Same page link to disclaimer

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000. ^ Same page link to disclaimer

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.) ^ Same page link to disclaimer

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger. ^ Same page link to disclaimer

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days. ^ Same page link to disclaimer

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000. ^ Same page link to disclaimer

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You're covered up to $50 per incident 4 times a year. ^ Same page link to disclaimer

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured. ^ Same page link to disclaimer

^ Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Partner benefits Opens drawer that reveals additional content

Earn more points.

Earn 10x total points on Lyft rides. * Opens offer details overlay Plus, get a complimentary 2 year Lyft Pink All Access membership including member-exclusive pricing and benefits – activate by Dec 31, 2024. Membership auto renews annually. * Opens offer details overlay

Earn 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 total points now through March 31, 2025. * Opens offer details overlay

DashPass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027 . * Opens offer details overlay

Plus, DashPass members get access to up to $25 in monthly savings with a $5 monthly credit automatically credited to your DoorDash account and up to $20 per month to use on non-restaurant DoorDash orders, via two $10 promos. * Opens offer details overlay

Purchase coverage Opens drawer that reveals additional content

Purchase protection.

Your new purchases will be covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. ^ Same page link to disclaimer

Return Protection

You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year. ^ Same page link to disclaimer

Chip-enabled for enhanced security

You'll carry a credit card with an embedded chip that provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Opens offer details overlay

Zero liability protection

You won't be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card. * Opens offer details overlay

Extended warranty protection

Extends the time period of U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less. ^ Same page link to disclaimer

Chase Pay Over Time SM Opens drawer that reveals additional content

Chase Pay Over Time * Opens offer details overlay lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:

After purchase (formerly My Chase Plan ® ): Pay off an eligible purchase you've already made of $100 or more * Opens offer details overlay in smaller, equal monthly payments. No interest - just a fixed monthly fee † Opens pricing and terms in new window with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.

At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more * Opens offer details overlay using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertime Opens in a new window .

Spend Instantly Opens drawer that reveals additional content

Apply for a card, use it the same day.

Receive instant access to your card by adding it to a digital wallet, like Apple Pay ® , Google Pay ™ or Samsung Pay. Find out how at chase.com/digital/spend-instantly Opens in a new window .

Cardmember Reviews

This card has been fantastic. The sign up bonus was amazing. Great value added.

Submitted by: garry

Amazing Travel Card

I am obsessed with this card. The points are so easy to earn and so easy to redeem. I love how easy it is to transfer to travel partners, and so many of them! As a military family, we have used the travel protection when we get surprise orders after booking a trip. Keep up the great work, Chase!

Submitted by: Military Family

Awesome Travel Credit Card

I travel every week for business and several times a year for family vacation. No card has the benefits or service or reward points that the Chase Sapphire Reserve card offers. If you travel, you must have this card in your wallet. It's a must have. Thank you to the Chase Team for offering such an amazing travel card...

Submitted by: Road Warrier

Curious about the Chase Sapphire Reserve ® credit card?

Read our customers reviews to learn how to take advantage of our travel credit card today!

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Offer details, offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

60,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

$300 Annual Travel Credit: A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to an annual maximum accumulation of $300. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. (For applications submitted before May 21, 2017, annual means the year beginning with your account open date through the first December statement date of that same year, and the 12 billing cycles starting after your December statement date through the following December statement date each year.) Call the number on the back of your card to see when you are eligible for your next $300 Annual Travel Credit. Purchases are when you, or an authorized user, use a card to make purchases of products and services. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We do not determine whether merchants correctly identify and bill transactions as being of a certain type. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window . Statement credit(s) will post to your account the same day your travel category purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. The Annual Travel Credit will be issued for the year in which the transaction posts to your account. For example, if you pay for baggage fees, but the airline does not post the transaction until after the current annual period ends, the cost of the baggage fees will be allocated towards the following year's Annual Travel Credit maximum of $300.

Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Reserve rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window . How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Sapphire Reserve credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: any purchases that qualify for the $300 Annual Travel Credit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 3 points ("3X points") on travel purchases: You'll earn 3 points for each $1 spent on purchases made in the travel category after the $300 Annual Travel Credit is earned. 5 points ("5X points") on Chase Travel airline ticket purchases: You'll earn 5 points total for each $1 spent on airline ticket purchases made using your card through Chase Travel after the $300 Annual Travel Credit is earned in the travel category (2 additional points on top of the 3 points earned on each purchase in the travel category). 10 points ("10X points") on Chase Travel hotel accommodation and car rental purchases: You'll earn 10 points total for each $1 spent on qualifying hotel accommodation and car rental purchases made using your card through Chase Travel after the $300 Annual Travel Credit is earned in the travel category (7 additional points on top of the 3 points earned on each purchase in the travel category). Hotel accommodation purchases made using your card with The Edit (previously The Luxury Hotel & Resort Collection) will qualify to earn 3 points for each $1 spent in the travel category, but will not qualify to earn 7 additional points for each $1 spent. Any purchases that qualify for the $300 Annual Travel Credit, won't earn points. "$300 Annual Travel Credit" means the statement credit that is automatically applied to your account annually on purchases made using your card in the travel category, up to an annual maximum accumulation of $300. "Annually" means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. 10 total points ("10X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 7 points for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional points. You may see "10X" in marketing materials to refer to the 7 points in addition to the 3 points earned on travel purchases (see above). The additional 7 points will appear on your billing statement in a separate line from the 3 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. 3 points ("3X points") on dining at restaurants purchases: You'll earn 3 points for each $1 spent on purchases in the following rewards category: dining at restaurants including takeout and eligible delivery services. 10 points ("10X points") on Ultimate Rewards Chase Dining purchases: You'll earn 10 points for each $1 spent on Chase Dining purchases made using your card through the Ultimate Rewards program. 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

Adding An Authorized User: All correspondence, including credit cards, statements, and notifications will be sent to the name and address on file for the primary cardmember. The primary cardmember is responsible for repaying all balances on this account. Authorized users will have the same account number and charging privileges as the primary cardmember but will not be financially responsible. Chase provides account information to the credit reporting agencies for all account users. This information could impact an authorized user’s credit score. When you tell us to add a user to your account, you’re confirming that you have a relationship with the person or people whose name(s), address(es), and date(s) of birth you’ve told us, that all their information is correct, and that you have their consent to add them. If Chase determines you’ve given us fraudulent name, address, or date of birth information or did not have such consent, Chase can close this account.

Priority Pass ™ Select Membership: One time activation required. Priority Pass Select membership includes access to airport lounges and select airport experiences participating in the Priority Pass Select network. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Primary Cardmembers and Authorized Users are granted complimentary access to the Priority Pass lounges and are allowed a maximum of two accompanying guests each. For any additional guests, your card will be charged $27 per guest, per visit. Your card will be charged after you have signed for the additional guest visits in the participating lounge and the visits have been reported to Priority Pass. Access may be denied if the lounge is at capacity. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Your Chase Sapphire Reserve account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges and select airport experiences, please visit www.prioritypass.com/select .

Global Entry or TSA PreCheck ® or NEXUS Application Fee Statement Credit: You will receive one statement credit (up to $100) every four years after the first program (either Global Entry or TSA PreCheck ® or NEXUS) application fee is charged to your Chase Sapphire Reserve card, by you or an authorized user. This benefit applies only to the Global Entry, TSA PreCheck ® or NEXUS programs, other Trusted Traveler programs are not eligible. The statement credit will appear on your credit card billing statement within 1-2 billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Chase has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA or DHS. For more information about the Global Entry, TSA PreCheck ® and NEXUS programs, including application details and full terms and conditions, go to https://ttp.cbp.dhs.gov/ . Websites and other information provided by government agencies are not within Chase's control and may not be available in Spanish. To receive statement credits, your account must be open and not in default at the time of fulfillment. TSA PreCheck ® is a registered trademark and is used with the permission of the U.S. Department of Homeland Security.

2-year complimentary Lyft Pink All Access membership: Your Chase Sapphire Reserve account will receive one complimentary Lyft Pink All Access membership for 2 consecutive years, a value of $199/year, when the membership is activated with a Chase Sapphire Reserve card by 11:59 PM Eastern Standard Time on 12/31/2024. After your complimentary 2-year period ends, you'll be automatically enrolled in an annual membership at 50% off the then current annual Lyft Pink All Access rate for one year. After the discounted year, you will continue to be enrolled and charged the then current annual Lyft Pink All Access rate, every year unless canceled. You can cancel auto-renewal anytime on the Lyft mobile application and continue to enjoy the benefits of your Lyft Pink All Access membership through the end of your complimentary or discounted membership term. Cardmembers who do not utilize any services associated with their membership during the last six (6) months of their complimentary membership term, will not be auto-renewed and will not be eligible for the Lyft Pink All Access discounted membership. Lyft Pink All Access will be registered in the name of the primary cardmember or an authorized user, whoever activates the benefit first. PayPal or digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites, and other information provided by Lyft are not within Chase's control and may or may not be available in Spanish. All Lyft products and services are subject to the Lyft Terms of Service and Lyft Pink Terms & Conditions. Chase is not responsible for the provision of, or the failure to provide, Lyft benefits and services. Your Chase Sapphire Reserve account must be open and not in default, and your Chase Sapphire Reserve card must be included as a payment method within the Lyft App to maintain complimentary two-year membership benefits and purchase the discounted membership in your third year.

Your Chase Sapphire account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

Earn $5 monthly DoorDash/Caviar Credits through 1/31/2025: Get $5 in DoorDash/Caviar credits each calendar month while enrolled in DashPass through 1/31/2025. When applied to an order, the $5 credit will apply only to the subtotal of your DoorDash or Caviar order at checkout. The credit does not apply to fees, taxes, or tip and gift card purchases are excluded. You or up to 7 authorized users must be enrolled in DashPass and use your Chase Sapphire Reserve or J.P. Morgan Reserve card for payment at checkout to receive the credit. Once you spend the issued credits on one platform (e.g., DoorDash), it will be automatically deducted from your balance on the other (e.g., Caviar). Any monthly credit issued before you create an account on the other platform will only be available on the original platform for that month. Once you have accounts opened on both platforms, any credits issued will be available for onetime use on either DoorDash or Caviar. Your credit balance may be different on each platform, but your credit usage will still be linked from that point on. If a credit is not used within the calendar month, it will be carried over for a maximum of 2 months. Up to $15 in credit can be accrued before a $5 credit expires. DoorDash credits have no cash value and are non-transferable. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Credit card product changes during the promotional period will forfeit this offer. Additional DoorDash promotional terms and conditions available at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US . Earn $10 Off Two Orders Per Month on DoorDash Non-Restaurant Orders: Once you have activated your Chase Sapphire Reserve or J.P Morgan Reserve DashPass membership, you will receive two (2) $10 off discounts each calendar month at checkout on one eligible non-restaurant order on DoorDash. Each discount must be used on a separate order. Discount applies to subtotal only; does not apply to fees, taxes, and gratuity. Fees, taxes, and gratuity still apply. To claim, select the discount from the promotion wallet at checkout, or claim the discount when prompted in the DoorDash app or website. If the full $10 value is not used on a single order, the remaining value will be forfeited. You must use the card used to enroll in your Chase Sapphire Reserve or J.P Morgan Reserve DashPass membership as your payment method to receive this discount. Discount is not combinable with other promotions, discounts, or deals. The monthly discount will be made available to you in your DoorDash account at the beginning of each month and will only be available for the remainder of that calendar month; the monthly discount will not roll over into a subsequent month. Once redeemed, the discount will not be refunded to the user regardless of whether the user otherwise receives a refund or credits back on their order. Not valid for the purchase of gift cards. Not valid on alcohol in some states. Limit two redemptions per month per person. Valid in the U.S. only. Discount has no cash value and is non-transferable . Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Credit card product changes during the promotional period will forfeit this offer. Additional DoorDash promotional terms and conditions available at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions . The Edit: The Edit program benefits are available exclusively on select Chase credit cards. To receive benefits, reservations must be made for "The Edit" properties through Chase Travel. Benefits are per room and based on double occupancy. Benefits may be subject to availability at check-in and are not redeemable for cash. Benefits may not be combined with other offers, including tour operator or wholesaler rates and packages. Complimentary Wi-Fi benefit provided, with the exception of locations where Wi-Fi is already complimentary or not available. Program benefits and participating properties may change without notice. Visit theeditbychase.com to learn more, other terms may apply.

Earn 10 or 5 total points ("10X or 5X total points") on Peloton equipment and accessory purchases through 03/31/2025: You'll earn a total of 10 (Sapphire Reserve or J.P. Morgan Reserve) or 5 (Sapphire Preferred) points for each $1 spent on up to $5,000 in total purchases when your card is used for Peloton equipment and accessory purchases over $150 through Peloton from 02/01/2023 through 03/31/2025. That's 9 (Sapphire Reserve or J.P. Morgan Reserve) or 4 (Sapphire Preferred) points on top of the 1 point you already earn on these purchases with your card. Only purchases made directly through Peloton – through onepeloton.com , over the phone, or in a Peloton showroom – are eligible. Purchases made outside the U.S. are not eligible. Gift cards, and apparel are not eligible. Points earned on the purchase of Peloton equipment and accessory purchases will be deducted from the cardmember's account if the order is cancelled or returned. Purchases must post to your account by the last day of the promotional period to qualify. Sometimes your card will be charged on a date after you make a purchase, such as the shipping date, and as a result the purchase may not post to your account until after the last day of the promotional period. Please allow 6 to 8 weeks after qualifying purchases post to your account for points to post to your account. To qualify for this bonus offer, account must be open and not in default at the time of fulfillment. This bonus offer is non-transferable.

Book Through Chase Travel: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth $.0150 (one and a half cents), which means that 100 points equals $1.50 in redemption value, and points are worth 50% more than if redeemed for cash. For example, 60,000 points are worth $900 when redeemed for travel purchases, or $600 when redeemed for cash. The cost of travel is based on the rates and fares available through Chase Travel, including the online portal and call center, and may not reflect all rates and fares that are available through other sales channels. If you choose to use points and your Chase Sapphire Reserve credit card to pay for your purchase, each point will be worth $.0150, but your credit card will be charged the full remaining dollar amount.

Avis Terms and Conditions Discount applies to base rate only at participating locations when booked directly through Avis by using the Visa Infinite code. These discounts are administered by the rental car providers directly and cannot be used when booking through Chase Travel nor can Ultimate Rewards points be used as payment when booking directly with the merchant. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional terms such as Loss Damage Waiver (LDW) up to $30 per day are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National Terms and Conditions Discount applies to base rate only at participating locations when booked directly through National Car Rental by using the Visa Infinite code. These discounts are administered by the rental car providers directly and cannot be used when booking through Chase Travel nor can Ultimate Rewards points be used as payment when booking directly with the merchant. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional items such as Loss Damage Waiver (LDW) up to $30 per day are extra. In the U.S., check your insurance and/or credit card for rental vehicle coverage. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. Visa Terms and Conditions Benefits referenced on this page are current as of 03/2024 . Benefits are subject to change by Visa at any time, in accordance with Visa's notification policies, and are based on the individual merchant's terms and conditions. Only the benefits listed on this page are available with this Chase Visa Infinite product; Visa's website may describe additional Visa Infinite benefits not offered on this card. Void where prohibited or restricted by law. Any taxes are the sole responsibility of the purchaser. Many of the stated benefits and services of this product are provided by third parties who are solely responsible for their provision or fulfillment. The US Visa Infinite card does not include global application of all Visa Infinite related benefits at this time. There are some benefits Visa has sourced that are global but as a general matter Visa Infinite benefits are specifically sourced by region unless otherwise stated.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement. Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Chase credit cards are consumer credit cards issued by Chase, small business cards are excluded at this time. For Chase Pay Over Time at checkout on Amazon.com, Amazon Visa and Prime Visa cards and Chase Mastercard credit cards are also excluded. Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase Mobile App. Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month’s subscription fee will be eligible. If available for your account, the option to choose “financing offers available” will appear at checkout.

Chase Sapphire Reserve Card named "Best Premium Travel Credit Card" by NerdWallet writers and editors. Source: NerdWallet's "Best-Of Awards 2024," January 2024. NerdWallet is paid a fee for each approved Chase Sapphire Reserve credit card account referred through its site, however NerdWallet editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Chase does not exercise any editorial control over their credit card awards or reviews, the opinions expressed are their own. ©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

Chase Sapphire Reserve ranked as "Best Card for Travel Insurance" by Forbes Advisor. Source: The Forbes Advisor Awards, February 2024. Forbes Advisor is paid a fee for each approved Chase Sapphire Reserve account referred through its site. Chase does not exercise any editorial control over Forbes Advisor credit card reviews.

Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Sapphire Reserve credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

$300 Travel Credit

Merchants in this category include airlines, hotels, motels, timeshares, car rentals agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category. * Opens offer details overlay

Reserve Partner Value Modal

Lyft Pink Membership

Get 2 complimentary years of Lyft Pink All Access when activated by Dec. 31, 2024 - a value of $199 /year. This includes 10% off Lux rides, free Priority Pickup upgrades discounts on bikeshare and more. Membership auto-renews. * Opens offer details overlay You'll also earn 10x total points on Lyft rides through March 2025. * Opens offer details overlay

DoorDash Benefits

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027. * Opens offer details overlay

Priority Pass Select Membership

Enjoy a complimentary Priority Pass Select membership at 1,300+ VIP airport lounges worldwide - a value of $469 /year. * Opens offer details overlay

10x on Peloton Purchases

Earn 10x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. * Opens offer details overlay That's $150 when you purchase a Peloton Bike and redeem for cash.

DoorDash Dashpass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months - which unlocks $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by 12/31/2027. * Opens offer details overlay Plus, DoorDash members get up to $10 off a month on non-restaurant DoorDash orders. * Opens offer details overlay

5x on Peloton Purchases

Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. That's $75 when you purchase a Peloton Bike and redeem for cash. * Opens offer details overlay

5x total points on Lyft

Earn 5x total points on Lyft rides through  March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

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Chase Sapphire Reserve Travel Insurance Comprehensive Guide [2020]

The Chase Sapphire Reserve has the best package of travel insurance benefits out of any credit card. I’ve used them on a few occasions and they have been a lifesaver, usually saving me several hundred dollars, not to mention the peace of mind that you can’t put a price on. 

But what exactly are the benefits of this insurance? 

This comprehensive article will walk you through all of the Chase Sapphire Reserve travel insurance benefits, such as trip cancellation, trip delay, rental car insurance, and more. You’ll see what type of losses qualify for claims and what type of benefits don’t.

I will also offer some comparisons to what you might expect to find when purchasing a third-party travel insurance package, such as Allianz.

Table of Contents

What is Chase Sapphire Reserve travel insurance?

Chase Sapphire Reserve travel insurance offers several key benefits which include: 

• Primary rental car coverage

Baggage Delay Reimbursement

Emergency evacuation and transportation, emergency medical and dental benefit, lost luggage.

• Roadside Assistance
• Travel Accident Insurance

Travel and Emergency Assistance Services

Trip cancellation and trip interruption, trip delay reimbursement.

Each of these protections come with different requirements and restrictions and I’ll go into detail about each of these perks below.

Some of these benefits might not seem that valuable to you until you actually need to use them and at that point they become a godsend.

So when thinking about these perks, really try to imagine the convenience and relief they’d provide you with in order to get a sense of how much value to attach to them. And then multiply that number by 100 because that is how good you’ll feel about having those perks when you need them.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Do I have to pay extra for Chase Sapphire Reserve travel insurance?

No, travel insurance is built in to the Chase Sapphire Reserve.

This is a big difference from the competitor, the Platinum Card from American Express. The Platinum Card, and other Amex cards, don’t provide you with the full array of benefits by default. In fact, you’ll have to pay extra for those benefits.

So don’t take these benefits for granted.

Would buying travel insurance be better?

Before I jump into all of the details of the Chase Sapphire Reserve travel insurance, I think it is worth addressing whether or not you should consider buying travel insurance through a third-party or just use the benefits included with this card.

Obviously, since these benefits are free and included with your card the only reason you would go out of your way to purchase other travel insurance protections is if they had much better protections.

I researched other travel insurance policies and I think the decision just comes down to the individual and their needs.

Since the cost of travel insurance depends on factors like the amount of your trip, the destination, and the length of your travels, it is hard to give universal advice for all people (there are also annual plans to consider).

So my advice would be to look at a travel insurance package and compare that package to the details below. In my experience I have found some of the key differences to be the following.

Emergency medical coverage

This is probably the biggest difference that I have seen. When it comes to needing medical treatment at your travel destination, typically the travel insurance packages from third parties offer much more comprehensive coverage and much higher limits (like up to 10X to 20X the limit of the Reserve). If emergency medical care is a top concern of yours, I would not rely on the Chase Sapphire Reserve to cover you here. 

Pre-existing conditions

Travel insurance packages with credit cards like the Chase Sapphire Reserve tend to exclude pre-existing conditions from coverage but many third-party travel insurance packages will still provide coverage. Your limits might be a little bit lower but some coverage is better than no coverage.

Pre-paid expenses

When it comes to protections like trip delay, you can get coverage for prepaid expenses with insurance providers like Allianz whereas the Reserve won’t cover you there. 

The Reserve is superior to basic packages

The Chase Sapphire Reserve offers some pretty solid travel insurance protections, and I tend to find the overall protections offered much better than a standard basic package you will get with a third-party. If you want enhanced benefits from the Reserve chances are you will need to buy a third-party mid-tier or top-tier package. And even then, the Reserve might offer better value for some benefits.

Those mid-tier or top-tier packages could end up costing you several hundred dollars so you would just have to decide whether or not it is worth it to take advantage of certain higher limits with respect to specific benefits and protections.

If you are curious about prices check out the quotes below which are for a one-week trip to Italy that is expected to cost $10,000.

Primary rental car insurance

Primary rental car coverage is one of the most valuable perks of the Sapphire Reserve. With primary rental car coverage, you can avoid paying extra for coverage from the rental car company and usually won’t have to file a claim with your rental car insurance provider if you get into some type of an accident.

This will save you a lot of headache and not to mention a lot of money on your monthly premiums in the future. Most credit cards offer secondary rental car coverage which only covers what your auto insurance provider or equivalent doesn’t cover.

The rental car coverage will cover you up to up to $75,000 and will last for a period not intended to exceed 31 consecutive days. For built-in coverage, these limits are great but if you needed higher coverage limits up to $100,000 or for a longer amount of time, it could be worth it to pay for coverage offered by other cards like the Platinum Card. 

Here are some of the rules for rental car coverage for the Sapphire Reserve.

Who is covered?

The cardholder is covered as the primary renter of the vehicle and any additional drivers permitted to operate it under the terms of the rental agreement (“Authorized Person”) are also covered.

What’s Covered?

• Physical damage and/or theft of covered rental vehicle
• Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility
• Valid loss-of-use charges incurred by the rental car agency

What’s Not Covered?

This is not an exhaustive list. Examples include:

• Antique automobiles; vans designed to carry more than 8 people; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles
• Expenses reimbursed under your personal auto insurance policy, your employer or your employer’s insurance
• Any obligation you assume under any other agreement
• Injury of anyone or anything inside or outside of the vehicle
• Leases and mini leases
• Any violation of the auto rental agreement
• Loss or theft of personal belongings

One of the biggest exclusions to note is that coverage does not apply to injuries to anyone or anything outside of the vehicle. Coverage is not liability coverage (sometimes referred to as supplemental liability insurance) and is strictly limited to damage to the rental vehicle.

You also are not covered for any injuries that could happen to you (that would be personal accident insurance).

These exclusions mean that you should still take sufficient preparation to make sure that you have adequate coverage in the event of an accident. You can get broader coverage through your car/health insurance provider, a third-party, or perhaps through the rental car agency. 

Anytime I ever rent a car, I use the Sapphire Reserve to book it. You can read more about the  Sapphire Reserve rental car coverage here .

I’ve personally had to use this benefit before and it was a terrific convenience to be able to hit up a mall in Auckland, New Zealand and buy some new clothes while on a trip — it really helped take the stress out of waiting so long for my bags to be delivered.

With this protection, If you are delayed more than 6 hours, you are covered for essential expenses, such as toiletries and clothes for up to $100.00 per day for a maximum of five days. The minimum threshold of six hours is very competitive and it is nice that you can get coverage for up to five days since many cards will limit you to coverage of only three days. 

The primary insured person and immediate family members are covered.

You’ll get reimbursement for the emergency purchase of essential items like toiletries and clothing, and in my personal experience they are pretty liberal when it comes to defining toiletries and clothing. For example, I once purchased a blazer and I got that reimbursed so you don’t have to stick to clothing such as underwear and socks. 

Chase does specifically exclude certain items and some of those include:

• contact lenses, eyeglasses or hearing aids
• artificial teeth, dental bridges or prosthetic devices
• tickets, documents, money, securities, checks, travelers checks and valuable papers
• business samples
• jewelry and watches
• cameras, video recorders, cellular telephones and other electronic equipment and their accessories other than charging cables for cellular telephones

So when it comes to electronics, pretty much the only thing you can get is a charging cable.

If you get injured or become ill during your trip you can get emergency evacuation and transportation from your destination. In order for coverage to apply, the duration of the trip cannot be less than five days and cannot exceed 60 days. It also must be in excess of 100 miles from the cardholders residence. The coverage limit for this benefit is $100,000. 

There are basically two conditions that must be met in order to get coverage:

• Your medical condition warrants immediate transportation to the nearest hospital where you can get appropriate medical treatment.
• Or after being treated at a local hospital your medical condition warrants transportation to the primary cardholder’s residence to obtain further medical treatment or to recover.

The cardholder and immediate family members are covered when a portion of the entire cost of the trip is purchased with the Sapphire Reserve.

What’s covered?

You can get expenses covered like transportation, medical services, and medical supplies. Depending on where you are, those transportation costs can be extremely expensive so this benefit has the potential to be very valuable. 

If you are hospitalized for more than eight days you might be able to get coverage for a friend or relative to come to your bedside. Chase will cover the cost of an economy class round-trip ticket. 

What’s not covered?

Some things that are not covered include travel for the purpose of obtaining medical treatment, non-emergency services, care rendered outside of hospitals and not by physicians, experimental care, and some other conditions. Read more here.

The Reserve will cover you for up to $2,500 in emergency medical or dental work per trip, with a $50 deductible.

This $2,500 limit is a big difference from traditional travel insurance where you can get coverage for medical expenses from $10,000 up to $50,000. 

So if you really want to sleep peacefully at night then you might want to look into other ways to ensure that you have adequate emergency medical care coverage when traveling. 

I’ve been involved with a medical emergency while traveling (in Singapore) and let me tell you having the assurance that you’re not going to have to come out of your wallet with several thousand bucks is a huge relief and can really relieve you of some stress when unexpected things happen abroad.

You’ll need to make sure that you’re receiving the services of a legally qualified position, surgeon, dentist, or qualifying medical professional. You can also get coverage for hospital visits and charges for certain types of procedures like x-ray examinations and laboratory tests. If you require ambulance services or the administration of medication those can also be covered. 

You can even get a $75 allowance if the doctor states that you need to hang around in a hotel after you leave the hospital.

Things that are not covered are medical tourism, non-emergency services, care that is not prescribed by the direction of a qualified position or dentist, etc.

The Sapphire Reserve has some solid travel insurance perks for lost luggage.

You’ll be covered for checked or carry-on bags  that are damaged or lost by the carrier  up to $3,000.00 and up to $500.00 for jewelry, watches, cameras, video recorders, and other electronic equipment.

You’ll be able to get reimbursement for costs you incur to repair or replace checked and/or carry-on baggage damaged or lost (including theft) that happens during a covered trip on a common carrier such as airline, bus, cruise ship or train.

The Platinum Card limits you to up to $2,000 for checked bags so the Reserve offers higher overall coverage limits.

This benefit covers physical loss or damage of your checked baggage and or carry-on baggage and of course the personal property within the baggage. 

Exclusions to look out for are loss of documents, paper, tickets, etc. There are also exclusions when the loss results from you or a family member committing any type of illegal or intentional act. So if your drunk uncle throws your luggage out of the overhead bin and breaks belongings within it, that is probably not going to be covered. 

Roadside assistance

The Sapphire Reserves offers roadside assistance for free for up to $50 and up to 4 times per year. The roadside assistance includes services that help with things like flat tires, dead batteries, or mechanical breakdowns. 

The service is available 24 hours a day, 365 days a year by calling this number:   1-866-860-7978.

Cardholder driving your owned or leased vehicle or a vehicle furnished by the owner, while traveling away from home.

What’s covered?

This benefit provides coverage for on the road breakdowns such as battery boost, flat tire service, fuel delivery, towing, and lockout assistance.

Not all of these benefits are completely free, however. For example, i f you run out of gas the cost of fuel will be covered for up to 2 gallons. If you need towing assistance, you will only be covered for up to $50. Also if you need locksmith services you will only be covered for up to $50. 

Also, here is what Chase states about qualifying vehicles:

All self-propelled, four-wheel vehicles designed, licensed, and used for private on-road transportation, with trucks limited to a carrying capacity of up to 2,000 pounds, are covered

I keep the number saved in my phone just so I have it for quick and easy reference in case I ever need to give it a call.

• You can  read more about the Sapphire Reserve road side assistance here .

Travel accident insurance

Travel accident insurance consists of two benefit types, Common Carrier Travel Accident Insurance and 24-Hour Travel Accident Insurance, which provide coverage for accidental death or dismemberment, or a combined loss of speech, sight or hearing, experienced on a covered trip.

Hopefully you’ll never have to use it but here’s who is covered:

• Common Carrier Travel Accident Insurance provides benefit for a covered loss when entering, exiting, or riding as a passenger on a common carrier, such as airline, bus, train or cruise ship.
• 24 Hour Travel Accident Insurance  provides benefit for a covered loss beginning on the departure date printed on a scheduled airline ticket and ends on the return date printed on the ticket  (if your trip is longer than 30 days in length, see additional terms in your Guide to Benefits).

Here are the coverage amounts:

• Benefit amount for loss of life is $1,000,000
• Benefit amount for dismemberment and/or a combined loss of speech, sight and hearing are expressed as a percentage of the loss of life benefit and are available in your Guide to Benefits maximum payout is $1,000,000.
• Benefit amount for loss of life is $100,000
• Benefit amount for dismemberment and/or a combined loss of speech, sight and hearing are expressed as a percentage of the loss of life benefit and are available in your Guide to Benefits; maximum payout is $100,000.

Travel and emergency assistance services provide assistance to you by finding you a good referral for your emergency. This benefit can help you in a variety of ways but it is important to remember that you will have to pay for any costs associated with the services.

For example, the administrator can help you find a local English-speaking doctor or other physician or even find you a doctor that can give you an over the phone consultation but you would be responsible for the costs assuming that another benefit does not cover that cost.

You can also get a referral for an attorney if you run into legal trouble, such as getting into a car accident or some other type of dispute.

One cool feature of this benefit is that they can assist you with lost luggage. Sometimes trying to coordinate the recovery efforts for your lost luggage can be a huge headache especially if there are multiple airlines involved and they are not necessarily admitting fault. In that type of situation, you could call this number and get them to help sort out the mess.

Some of the other benefits like getting information on currency exchange rates and weather reports are easily accessible with smart phones now so they are not as much needed.

To use the services, call the 24-hour Benefit Administrator line at 1-800-992-6029. If you are outside the United States, call 1-804-673-1675.

This is one of the most important travel insurance benefits that you need. If your trip is canceled or cut short by covered situations, you can be  reimbursed up to $10,000  per trip for your pre-paid, non-refundable travel expenses.

This is a solid perk with a high coverage limit but you really need to consider how much money you’ve spent on pre-paid expenses.

If you’re taking a 6 person family vacation for 7 days in Hawaii for example there’s a good chance you might need coverage for more than $10,000 and that’s when other plans could be helpful.

Here are the differences between trip cancellation and trip interruption. 

• Trip  Cancellation provides reimbursement if a covered loss prevents you from traveling on or before the departure date and results in cancellation of the travel arrangements.
• Trip  Interruption  provides reimbursement if a covered loss on the way to the point of departure or after departure causes interruption of your covered trip. It can also provide reimbursement if a trip is postponed due to a covered loss and certain fees are incurred if a new departure date is set.

The limits for this protection are up to $10,000 per covered trip and a maximum limit of $20,000 per occurrence and a maximum benefit amount per 12-month period of $40,000.

The cardholder and immediate family members are covered.

• Accidental bodily injury, loss of life, or sickness experienced by the cardholder, a traveling companion or an immediate family member of the cardholder or a traveling companion
• Severe weather that prevents the start or continuation a covered trip
• Terrorist action or hijacking
• Jury duty or a court subpoena that cannot be postponed or waived
• Financial insolvency of the cardholder’s travel agency, tour operator, or travel supplier.

Getting coverage for sickness is super important because that is such a common reason for why you may not able to take a trip . If you try to cancel a nonrefundable airline ticket or tour due to feeling sick, there is a good chance you may not be able to get reimbursed. So this benefit is so very important in those cases.

• Travel arrangements canceled or changed by a common carrier, tour operator, or any travel agency unless the cancellation is the result of severe weather or an organized strike affecting public transportation
• Change in plans or financial circumstances
• A pre-existing condition
• Traveling against the advice of a physician
• A declared or undeclared war
• Trips that exceed 60 days in duration are not covered

One of the main exclusions is when the travel arrangement is canceled or changed by a common carrier. It is possible that if you booked two separate itineraries that one itinerary could be changed and that could force you to miss a flight. If that happened you would not be covered so you need to always take precaution when scheduling your flights. 

Another exclusion to be noted is that your cancellation will not be covered if it is due to a pre-existing medical condition or if you simply have had a financial issue forcing you to cancel a trip. Some travel insurances will still allow you to get travel cancellation protection when you are dealing with a pre-existing condition so that is something to think about.

This perk will have you covered if you are delayed more than  6 hours for expenses, such as meals and lodging, up to $500 per ticket. This is an upgrade from the Sapphire Preferred which required 12 hours ( read more on the Preferred here ). 

Many times you will not be guaranteed any type of compensation or anything when your flight has been delayed by six hours. And if you are offered some type of compensation it might be limited to something like an airline credit or to a specific hotel for a night.

So this benefit allows you to make your own decisions on how to handle a delay and gives you a pretty generous allowance when choosing to do so. Since the delay only has to last for six hours, this benefit is also much easier to use than what many other credit cards offer. 

Although I wouldn’t necessarily recommend it, I’ve heard of others using this benefit to stay at a 5-star hotel for one night when their trip is delayed and then getting comped for the $500 stay. I would probably not push it to that extreme but I would still book a nice hotel for my stay if I wanted. 

While I think $500 is a decent amount of money to handle a trip delay, there are some travel insurance packages that will offer you $1,500 or more for a six hour delay.

The cardholder and their spouse, and dependent children under 22 years of age are automatically covered when a portion or the entire cost of the Common Carrier fare is purchased with your Chase Sapphire Reserve.

What is covered?

You will be covered for reasonable expenses that include things like meals, lodging, toiletries, medication and other personal use items. 

What is not covered?

You will not get coverage for any delay that was made public or known to you prior to the departure of the covered trip. You also will not get coverage for prepaid expenses. That is a departure from some travel insurance policies that will cover you for a prepaid expense.

The Reserve’s travel insurance is among the best for any credit card. But if you’ve spent a substantial amount on pre-paid trip expenses, you might want to consider getting another policy. Also, if you need to rent a car for longer than 31 days, you might want to seek rental car coverage elsewhere.

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

Hey Daniel – my wife has a CSR. To take advantage of primary auto coverage can the rental be in my name? Or for flight insurance can flights be in my name? I was an AU on her CSP card for years but when she upgraded to CSR I had her drop me as an AU because of the fees. Now I’m questioning that decision. I’m the travel booker in the family.

Great article!

Flights can be in your name and you’ll be covered. The language is a little less clear for car rentals. The terms state “You [the cardholder] are then covered as the primary renter of the vehicle and any additional drivers permitted to operate it under the terms of the rental agreement (“Authorized Person”) are also covered.” So it almost seems like they want the cardholder to be the primary renter of the vehicle but that you are also covered if you are permitted to operate it under the terms of the rental agreement. I’d need to contact them to get a for sure answer but my guess is that you would be covered.

Hi Bonnie, All you have to do is put a portion of your trip on the Chase Sapphire Reserve and your entire trip (cruise you are paying for) will covered. So you’ll be covered.

I have done my research and this looks like a great card with the benefits I would use since we do travel several times a year. Is the list of reasons for the trip insurance comparably to say Allianz? I thought there was an amount for medical evacuation say if you were overseas and have to be brought back home, or did I miss that? For me, just the savings on individual trip policies on cruises would offset the annual fee. Great column by the way.

Hey Gary, I just updated the article to address some of your questions. It is now much more comprehensive and should cover some of your concerns.

I believe the Ritz card also has the same level of insurance as the Reserve unless that has changed.

Comments are closed.

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Credit cards

The 2024 guide to Chase Sapphire Reserve benefits

Joseph Hostetler

Robin Saks Frankel

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:29 a.m. UTC May 3, 2024

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• The Chase Sapphire Reserve® is a premium travel rewards credit card that charges a  $550 annual fee.
• The card earns Chase Ultimate Rewards® points which can be redeemed for travel including high-value options like business class airfare and five-star hotel stays.
• You’ll receive top-tier travel insurances and hundreds of dollars in annual statement credits that can offset travel expenses.

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Chase Sapphire Reserve®

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Up to $300 annual travel credit and Priority Pass Select lounge access.
• Redeem points for 50% more value to book travel through Chase Travel℠.
• Transfer points 1:1 to partners such as United Airlines and World of Hyatt.
• High annual fee.
• Not ideal if you aren’t interested in transferring points.
• May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.

Card details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

The Chase Sapphire Reserve Card is widely considered to be one of the best credit cards on the market for travelers for good reason. Although it carries a $550 annual fee, that isn’t difficult to justify thanks to its ongoing partner benefits worth potentially more than $1,200 in statement credits each year. 

In addition to the perks you’d expect from a premium travel rewards credit card , such as travel insurance and no foreign transaction fees, the card also offers a complimentary Priority Pass Select airport lounge membership upon enrollment and statement credits for valuable programs including TSA PreCheck or Global Entry and Lyft Pink All Access.

Just note that you won’t be eligible for this card if you’ve:

• Already have a Sapphire credit card.
• Received a Sapphire credit card welcome bonus within the past 48 months.
• Opened five or more credit cards from any bank — not including some small business cards — in the past 24 months ( known as the Chase 5/24 rule ).

Chase Sapphire Reserve basics

The Chase Sapphire Reserve has gained a reputation among travel rewards experts for its high-octane return rate, strong travel benefits and the ability to transfer rewards to multiple travel loyalty partners.

But the card isn’t just for rewards pros. The rewards system is also beginner-friendly as well as generous. Plus, the card’s travel benefits can outweigh the annual fee during just a single trip each year. 

The card touts a welcome bonus of 60,000 points after spending $4,000 on purchases in the first three months of account opening.

With a little know-how, it’s not difficult to achieve a high value in travel from this bonus alone. More on that below.

The Sapphire Reserve card earns:

• 5 points per $1 on flights.
• 10 points per $1 on hotels and car rentals purchased through Chase Travel ℠ after the first $300 is spent on travel purchases annually.
• 3 points per $1 on other travel and dining.
• 1 point per $1 on other purchases.

If any of these bonus categories make up a meaningful part of your monthly expenses, you’ll find yourself sitting atop a mountain of rewards before you know it.

Travel benefits

One of the best features of the Chase Sapphire Reserve is its rewards program. The card earns flexible Chase Ultimate Rewards points which can be redeemed in a variety of ways, such as:

• Airfare, hotel stays, rental cars and other eligible types of travel via the Chase Travel Portal can be redeemed at a rate of 1.5 cents each.
• Use Chase Pay Yourself Back® to offset your annual fee and other eligible categories. Current categories include eligible gas station purchases and eligible grocery store purchases at a rate of 1.25 cents each (through Sept. 30, 2023).
• Turn your points into cash and gift cards at a rate of 1 cent each.
• Use points to pay for purchases on Amazon at a rate of 0.8 cents each.

But the hands-down best way to redeem Chase points is to convert them into airline miles and hotel points with Chase’s loyalty travel partners such as United Airlines, British Airways and Hyatt. Doing so can often yield outsized value that exceeds what you’d get booking through the Chase travel system.

Below are a few quick examples of what you can potentially book with the current Chase Sapphire Reserve’s welcome bonus:

• Transfer 66,000 points to Flying Blue (the loyalty program of Air France and KLM) for two round-trip economy flights between Dallas (DFW) and Tel Aviv (TLV) in February 2024. You’ll pay a couple hundred dollars in taxes for each seat, but you’ll save thousands.
• Transfer 54,000 points to Hyatt for a three-night stay at the Hyatt Place Park City in January 2024 — which would otherwise cost more than $1,500.
• Transfer 66,000 points to British Airways for three round-trip economy flights between Charlotte (CLT) and St. Croix (STX) in December 2023.

If you’re willing to learn the complexities of airline partners and award charts, you’ll be rewarded handsomely. If not, you can still get solid value by redeeming your rewards through the Chase Travel Portal for travel at a rate of 1.5 cents per point.

Travel-enhancing perks

The Chase Sapphire Reserve’s lifeblood is in its ongoing travel-elevating benefits. Long after you’ve redeemed the card’s massive welcome bonus, these benefits are the reason you’ll continue to pay the card’s eye-watering $550 annual fee.

The Chase Sapphire Reserve comes with up to $300 in statement credit reimbursements each anniversary year toward eligible travel purchases. Nearly any travel expense will trigger this automatic statement credit — including airfare, hotel stays, rental cars, rideshares, tolls and more. Put simply, Chase will reimburse you up to $300 in statement credits for travel purchases made on your card each anniversary year.

The Chase Sapphire Reserve also offers access to more than 1,300 airport lounges worldwide thanks to:

• Complimentary Priority Pass Select membership: This allows you to visit participating airport lounges as often as you please ​​— and bring along two guests for free. This membership requires enrollment and would otherwise cost over $450 per year.
• Entry into Chase Sapphire Lounges: There are currently only two but at least five more slated to open in the next year.

The Chase Sapphire Reserve provides up to a $100 statement credit to reimburse the application fee of either TSA PreCheck, Global Entry or NEXUS. Here’s how these trusted traveler programs can reduce the grueling airport security experience to mere moments.

• TSA PreCheck virtually eradicates the need for those nasty gray bins at domestic security checkpoints. You won’t have to remove your belt or shoes, and you can keep your laptop in your backpack.
• Global Entry gives you license to skip the serpentine immigration queue when returning to the U.S. from abroad. Answer a couple questions at a Global Entry kiosk, and you’re free to walk out the door. Global Entry also comes with TSA PreCheck perks.
• NEXUS expedites entry between the U.S. and Canada. It also comes with both Global Entry and TSA PreCheck perks.

You’ll receive this credit once every four years after the first program application fee is charged to your card. And because each membership lasts five years, you’ll always get it for free by paying with your card.

The Chase Sapphire Reserve grants special privileges (such as elite status and discounts) with three rental car agencies:

• National Car Rental.
• Audi on Demand.

Also worth mentioning is a complimentary two-year Lyft Pink All Access membership, followed by a 50% discount for a third year. You must activate this benefit by Dec. 31, 2024. Lastly, you’ll receive a three-month trial of Marriott Bonvoy® Gold Elite status when you register by Sept. 30, 2023. This comes with perks like room upgrades (when available), priority late checkout and 25% bonus points for Marriott purchases.

Tally up the above perks and they’re worth well over $1,000 to someone who will use them. 

The Chase Sapphire Reserve confers some of the most generous coverages you’ll find on any credit card. Just note that you’ll have to pay for your travel with the Chase Sapphire Reserve credit card to be covered.

Here’s what you’ll get:

• Primary car rental insurance: When you waive the rental agency’s in-house coverage, you’ll get primary rental car insurance that covers up to $75,000 against theft and damage.
• Trip delay insurance: When your flight is delayed by six hours or more (or requires an overnight stay), you’ll receive up to $500 for reasonable expenses such as meals, hotel, transportation etc.
• Baggage delay insurance: When your bag is delayed by six hours or more, you’ll receive up to $100 per day (up to five days) for reasonable expenses such as clothing, toiletries, a phone charger etc.
• Travel accident insurance: You’re insured up to $1,000,000 for accidental death or dismemberment.
• Trip cancellation/interruption insurance: If you have to cancel (or cut short) your trip for an eligible reason, you’re covered up to $10,000 per ticket (maximum $20,000 per trip) for prepaid nonrefundable travel expenses that go unused.
• Lost luggage reimbursement: If the common carrier loses or damages your baggage, you and immediate family are each covered up to $3,000.
• Emergency evacuation insurance: If your situation warrants emergency evacuation, you’re covered for up to $100,000 in expenses.
• Emergency medical and dental coverage: When traveling at least 100 miles from home, you’re covered for up to $2,500 in emergency medical expenses (subject to a $50 deductible).

The card also offers roadside assistance. This isn’t categorized as insurance, but it can help to arrange towing, gas delivery, jumpstart etc. You’ll pay for most services, though you’re covered up to a maximum of $50 per service event, up to four events per year.

Service and protection benefits

Because the Chase Sapphire Reserve is a Visa Infinite® credit card, you’ll have access to a Visa Infinite Concierge. This is useful when you’d like assistance booking restaurants, purchasing event tickets or planning travel.

If you encounter any issues with your credit card account, you’ll value card benefits including:

• 24/7 customer service: You can reach a human being at any time , which is not always a guarantee with many other credit card issuers.
• Zero liability protection: You’re not responsible for unauthorized charges on your card when you report them in a timely manner.
• Fraud protection and alerts: Chase will monitor your credit card activity and let you know when it detects something suspicious.

You’ll also receive travel and emergency assistance which can aid you with medical referrals, legal referrals, translation services, emergency travel bookings, etc. during your travels.

Shopping benefits

The Chase Sapphire Reserve is a smart payment option when purchasing high-priced items thanks to its handful of purchase protections. 

First, you can receive up to $10,000 in coverage (maximum $50,000 per account) for items that are stolen or damaged within 120 days of the purchase date. Just note that things like animals, plants, antiques and computer software are ineligible. Be sure to read the Chase Sapphire Reserve guide to benefits for a full list of excluded items before filing a report.

This card also offers return protection. You can receive reimbursement of up to $500 per item (annual maximum of $1,000) when that item’s price drops within 90 days of the purchase date.

Finally, the Chase Sapphire Reserve will add a year to eligible U.S. manufacturer’s warranties lasting three years or less. Each claim is covered up to $10,000 (maximum $50,000 per account).

Entertainment and dining

Chase Sapphire Reserve cardholders get exclusive access to Reserved by Sapphire℠, a platform that allows you to book unique culinary, sports and other entertainment events curated by Chase. From meeting famous chefs to special experiences with musicians at Madison Square Garden, you can find things that non-cardholders won’t even know about.

You’ll also benefit from the ability to book some of the most difficult-to-reserve venues in the country, as some restaurants specially reserve tables for Chase Sapphire Reserve members.

Additionally, the Chase Sapphire Reserve offers a list of temporary benefits that revolve around food, such as:

• Complimentary 12-month membership to DashPass from DoorDash when you activate by Dec. 31, 2027.
• $5 monthly DoorDash credits (for in-app use) through Jan. 31, 2025.

Some of these credits are fairly niche, but they can translate into hundreds of dollars in value if you’ll use them. Enrollment is required for select benefits.

How to maximize your Sapphire Reserve benefits

There are a few things you should do immediately after receiving your Chase Sapphire Reserve to ensure that you wring it for every last drop of value.

First, to ensure you’ll earn the card’s welcome bonus, pay your monthly bills with the card. Even after you meet the card’s spending requirement, keep using the card for any purchases that earn a bonus — such as dining, commute expenses etc.

You should also plan to reserve all travel with the Chase Sapphire Reserve. Between the card’s stellar travel insurance, bonus points for travel purchases and up to $300 in annual travel statement credit reimbursements, this card should be your default travel payment method.

Lastly, you need to enroll in the card’s various complimentary programs. The Chase Sapphire Reserve is overflowing with statement credits and memberships that are only valuable if you take the time to register for them. This includes:

• Complimentary Priority Pass Select airport lounge membership.
• TSA PreCheck/Global Entry/NEXUS.
• Lyft Pink All Access.
• National Emerald Club Executive Elite status.
• Three months of Marriott Bonvoy Gold Elite status.
• Complimentary 12-month DashPass membership.

Frequently asked questions (FAQs)

The Chase Sapphire Reserve is best for travel insurance. Its various protections are unmatched by any other publicly available card. If travel insurance is important to you, this card’s protections are reason enough to open the Chase Sapphire Reserve.

Chase does not make available whether it requires a specific income to grant approval for the Chase Sapphire Reserve.

The Chase 5/24 rule is an unwritten rule that prevents you from opening most Chase credit cards if you’ve opened five or more credit cards from any bank (not counting most small business cards) within the past 24 months. If you’re interested in the Chase Sapphire Reserve, you’ll need to make sure you haven’t opened more than four personal credit cards in the past two years.

The Chase Sapphire Reserve is a premium credit card, but it’s not exclusively for the 1%. If you’ve got a good credit score (ideally 700 or above), it’s possible to qualify for the card.

Chase does not reveal a maximum credit limit for the Chase Sapphire Reserve. This is a Visa Infinite card, however, which typically comes with a minimum credit limit of $10,000.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Joseph Hostetler is a freelance writer and certified educator in personal finance. He has covered credit card rewards and travel loyalty programs for more than seven years, serving as a writer and editor for Insider, The Points Guy and Million Mile Secrets. He has also appeared in outlets such as Fortune, Yahoo and WGN Radio.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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What To Know About Chase Sapphire Reserve ® Travel and Purchase Insurance Benefits

Reviewed by Ryan Smith

AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers .

The Chase Sapphire Reserve ® comes with an abundance of high-value benefits and features. Cardholders get a fantastic return on Chase Sapphire Reserve travel insurance and dining, plus receive an industry-leading $300 travel credit — which covers any travel expense — and a complimentary Priority Pass Select membership . Furthermore, that’s before factoring in the 60,000-point sign-up bonus.

Some of the Sapphire Reserve’s best features, however, are the least visible. Tucked away deep in the Sapphire Reserve Guide to Benefits is a suite of Chase Sapphire travel insurance and purchase protections that can add thousands of dollars to the value proposition of holding the card long-term.

After reviewing the coverage options, you may learn that you've been spending money on coverage you didn't need — or that you've got coverage you never knew about!

Page Contents

Chase Sapphire Reserve phone number

Chase sapphire reserve trip cancellation and trip interruption, trip delay reimbursement, baggage delay insurance, chase sapphire reserve auto rental collision damage waiver (cdw), lost luggage benefits, travel accident insurance, emergency evacuation and transportation, emergency medical and dental, travel and emergency assistance services, roadside assistance, chase sapphire reserve purchase protection, extended warranty protection, return protection, price protection, final thoughts, chase sapphire reserve travel insurance benefits.

First things first: For questions about the following benefits or to file or follow up on a claim, call the Chase claims phone number at 888-675-1461 .

As one of the best credit cards for travel insurance , the Sapphire Reserve‘s trip interruption and trip cancellation insurance covers the cardholder, cardholder’s spouse or partner, and immediate family members for trips of less than 60 days. The two policies are similar, but trip cancellation covers you before the trip while trip interruption covers you from the moment you start traveling.

Coverage kicks in when a covered loss either interrupts travel or prevents you from traveling. The coverage will reimburse you up to $10,000 for each person or $20,000 per trip.

Claims are limited to:

• Per occurrence: $20,000
• Per 12 months: $40,000

Tip: Immediate family members are covered if travel is charged to the Sapphire Reserve , even if the primary account holder is not present.

You can catch the extensive list of definitions and exclusions in the Sapphire Reserve Guide to Benefits , or head over to our post on Chase Sapphire cards' trip cancellation and trip interruption insurance .

One of the most valuable benefits on the Sapphire Reserve , trip delay reimbursement covers what Chase deems “reasonable” expenses:

“The Trip Delay Reimbursement benefit will reimburse Your reasonable additional expenses incurred during a Covered Trip delay, including meals, lodging, toiletries and medication. This benefit applies to reasonable expenses incurred during Your delay not otherwise covered by Your Common Carrier, another party, or Your primary personal insurance policy. You will be refunded the excess amount (up to the maximum) once all other reimbursement has been exhausted up to the limit of liability.”

Coverage kicks in after a delay of six hours (or a forced overnight stay) , and you can claim up to $500 for each ticket purchased with your Sapphire Reserve. To qualify for reimbursement, the delay must not have been made public or have been communicated to you before departure.

If you made it to your destination but your bags didn’t, you might be eligible to claim for baggage delay. Covering the cardholder and immediate family members up to $100 per day for a maximum of five days when your bags are delayed for six or more hours , you can claim emergency purchases of essential items including clothing, toiletries, and one phone charger per device. The list of purchases not included is extensive (including items like false teeth and event tickets), so be sure to read page six of the guide to benefits for more details.

Related: Chase Sapphire Reserve full review

We rate the primary rental insurance offered on the Sapphire Reserve as one of the best available to U.S. cardholders. The terms and conditions feature no specific country exclusions, and cardholders receive primary coverage at home in the U.S. in addition to most foreign countries.

To ensure coverage when renting a car, you need to pay for the entire rental using your Sapphire Reserve and decline the rental company’s collision insurance. If you accept the rental company’s additional auto insurance, you won't be covered by the Sapphire Reserve. You can read all the details in our review of Chase’s auto rental CDW . Note: If you use Ultimate Rewards to pay for your rental, you'll also receive coverage under the auto rental CDW benefit .

Be aware that the auto rental CDW isn’t liability insurance. You are only covered for damage and theft of the rental vehicle, not damage to other people's property or if someone is injured.

Related: Best Credit Cards for Rental Car Insurance

The Sapphire Reserve ’s lost luggage benefit covers the cardholder and immediate family members for up to $3,000 per person for a covered trip, including up to $500 for valuable items like jewelry, watches, cameras, and other electronics.

The benefit reimburses the cost of repairing or replacing checked and carry-on baggage, as well as the personal property contained within due to loss or damage. Note that liability is limited to the cash value of the items (replacement value less depreciation) at the time of loss, and you must report the loss or damage to the carrier as soon as you exit the aircraft.

This is one of the more morbid, but very practical, insurances included on the Sapphire Reserve . Travel accident insurance covers you for accidental death, dismemberment, and loss of speech, sight, and hearing benefits, on a 24-hour basis, while traveling on any motorized land, water, or air transport, operated by an organization licensed to carry passengers, as long as you charge the cost of the trip, minus any points and miles, to the Sapphire Reserve.

Coverage is for 30 days from the date of departure and ends at the beginning of the 31st day if your trip extends past 30 days. The coverage provides a 24-hour loss of life benefit of $100,000 and a common carrier loss of life benefit of up to $1,000,000. This is a complex and hard-to-understand policy and requires a thorough reading of the benefits guide to grasp the details. We recommend reviewing the policy with a licensed insurance professional if you have any doubts as to the validity of your coverage.

Another complex benefit, it covers the cardholder and immediate family for up to $100,000 towards emergency evacuation or transportation. You’re covered for emergency evacuation and transportation if you are injured or become ill during your trip and require emergency evacuation on trips of between five and 60 days at least 100 miles from home.

The benefits administrator must make all the medical travel arrangements, and the evacuation must be pre-approved by the benefits administrator in consultation with a legally licensed physician who certifies that emergency evacuation is warranted due to the severity of the injury or sickness.

You’re covered for up to $2,500 in emergency medical and dental expenses that would not otherwise be covered by your travel or health insurance. Claims are subject to a $50 deductible, and treatment must be received in the course of a trip a minimum of 100 miles from home when paid for with your Sapphire Reserve or points earned with the card. If the treatment requires hospitalization, you may also be eligible for a daily benefit of $75 per day for up to five days.

If you need help and you’re not sure who to turn to, Chase travel and emergency assistance provides a wide range of emergency services available 24/7, 365 days a year. It's essentially a hotline allowing you to call ( 888-675-1461 ) to get advice, assistance, or referrals when you are in an unfamiliar place. This could provide help with translating terms and conditions, medical referrals, emergency assistance, or help to replace a lost airline ticket — almost anything that can be accomplished over the phone.

Services include:

• Emergency message service
• Medical referral assistance
• Legal referral assistance
• Emergency transportation assistance
• Emergency ticket replacement
• Lost luggage locator service
• Emergency translation service
• Prescription assistance and valuable document delivery arrangements
• Pre-trip assistance

Sapphire Reserve cardholders are covered for up to $50 per service callout, up to four times per year. Roadside emergencies can include such issues as towing, jump start, tire-changing, lockout, fuel delivery, or standard winching. To use this service, call 866-860-7978  (Cross Country Motor Club).

Chase Sapphire Reserve Purchase Insurance Benefits

Purchase protection covers eligible items purchased using your Sapphire Reserve or Ultimate Rewards points earned on the card in the event of theft, damage, or involuntary and accidental parting with the item within 120 days. You will be reimbursed up to the dollar amount required to repair or replace the item, up to $10,0000 per item.

The Sapphire Reserve has a high claim value of up to $10,000 per item and a cap of $50,000 per year. Purchases made outside the U.S. are covered as long as you purchased them with your Sapphire Reserve card and the purchase meets the terms and conditions. There is a long list of items not covered, so refer to pages 25–26 of the guide to benefits.

You need to contact the benefits administrator within 90 days of the loss, damage, or theft, and you have 120 days to complete the claim.

Yes, a cracked screen is covered. Or, if you accidentally lose your phone in a taxi, that'd be covered as well!

Extended warranty protection extends the manufacturer’s U.S. repair warranty for an additional year on items purchased with your card. The benefit applies to eligible warranties of three years or less, up to a maximum of $10,000 per claim, and a $50,000 maximum per account. You need to charge a portion of the purchase price to the Sapphire Reserve for the protection to kick in or have purchased the item using Ultimate Rewards earned on the card. Again, there's an extensive list of exclusions that can be found in the benefits guide.

In many cases, this benefit can save you $20–$100 for an extended warranty on a single piece of electronics!

If you’re unhappy with an item purchased entirely using your Sapphire Reserve or points earned on the card, and the merchant won’t accept the return, return protection will reimburse you for the cost of the item within 90 days of the purchase date. Claims are limited to $500 per item, up to a maximum of $1,000 per year per account. Coverage is secondary to any store guarantees, and the benefits administrator must receive the purchase in like-new or good working condition.

As of August 26, 2018, price protection is no longer a benefit of this card.

Big-ticket benefits like travel credits and lounge access are what marketing teams use to advertise cards like the Sapphire Reserve , but there are plenty of benefits hiding under the hood that can provide thousands of dollars per year in additional value. Take time to familiarize yourself with the guide to benefits for the Chase Sapphire Reserve, as these benefits can help reduce headaches with an unfortunate delay or health problem while traveling. The benefits also can reduce your out-of-pocket expenses when things go awry.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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Does the travel insurance cover a non refundable ticket to Italy for a 2 week trip? Literature is ambiguous?

Hi Mary, whether the ticket is refundable or not doesn’t impact your credit card’s coverage details for things like cancelation, lost luggage, etc.

When I travel alone I keep a hard copy of the Guide to Benefits with my passport, usually locked in the safe in my accomodations. I also carry a statement in my wallet or backpack giving instructions on how to contact the benefits coordinator along with my credit card number and other identity details.

Does anyone have any experience on how the pre-approval for medical evacuation works for people who are traveling alone? I often travel alone and it seems that if I am in need of am emergency medical evacuation there could be a pretty high chance that I will not be able to contact the credit card benefit coordinator to get pre-approval and make arrangements for the evacuation. Thanks for any info you can share.

True. I had to file all kind of paperwork to get reimbursement, took about few months. Good thing I charged everything on my Reserve card for Europe trip together with my parents, when my dad passed away suddenly shortly before the trip.

Will the Sapphire reserve cover you for jewelry or watches that have been lost ?

I would double check the benefits guide. Jewelry is almost always an exclusion.

I booked for my parents visiting from India to USA for 6 months. At last minute, my father had an accident and he could not travel. The ticket was a non-refundable ticket. so i cancelling with no refund. i tried to file a claim with Chase. they said the trip duration must be less than 60 days. they said my case will not be covered. My annual fee payment of 450$ is of no use when they do not cover our emergency needs.

I have used both the CSP and CSR travel insurance and while you have to get your documents together they do indeed pay for the loss. One thing to note though is they do not pay for medical pre-existing conditions. If you have a lot of ongoing issues you might want to call their policy provider to get more clarity if that might be an issue. Also, it only covers prepaid items. I once had to purchase a ticket back home for a family medical emergency and it was not reimbursed since it was not prepaid. They said if it was a changed ticket it would have been reimbursed. I have not tested that theory but it is something to be aware of.

In addition I used CSP for price protection and was successful. It was pretty painless.

If you have pre-existing conditions you have a couple of options. Trip interruption insurance will offer coverage for pre-existing conditions has long as you take out the coverage within a certain time frame (usually the same time you make the final payment on your travel), or you can go the travel medical insurance route. The latter is actually the most cost effective. They cover what’s called “Acute Onset of a Pre-existing Condition” and offer higher benefit amounts than what you get with the credit cards. A 40 year old can get a $100,000 policy for a 3 week trip for under $50.

Sometimes Chase not not often

So many gimmicks like requiring submit claim to personal insurance then giving only cash value.

My experience is Chase benefits is a bunch incompetent idiots to deny the claim.

thanks for the article. have you compared the Sapphire insurance benefits to the Amex Platinum cards benefits?

We haven’t, but mostly because the Amex Platinum card insurance benefits are horrible. They’re not even in the same league.

Nice benefit. I am seriously considering going the sapphire route. Although I enjoy using pts within a certain program. Feel that I pull more value out of it.

I had a positive experience with the trip cancellation benefit when my flight was cancelled last March. Amsterdam to ATL. They reimbursed me and my Domestic partner for expenses occurred (hotel, food, transportation). It was a lot of paperwork but sucessful!

Great info, and book marked, thanks for all your hard work!

Another reason I’ll have to look into this card, at least for the first, bonus year.

Thanks! Been looking for a go to card for travel/insurance benefits and appreciate the article.

Super helpful — I listed CSR as my insurance for an upcoming rental this weekend. Thank you for this guide!

Great benefits review!! Thanks!!

Great write up!

Thanks for the detailed info!

Good reference for CSR card holders.

Good to know the added benefits for using the card

These are really useful! Might be worth that astronomical annual fee.

great benefits with this card

I wish I was below 5/24 to get this card.

After reading this posting, I may have to apply for this card.

This is a really concise summary, thanks for putting it together.

Some great benefits in there which I didn’t about, thanks!

Yes, we know we know, it’s great. 🙂

Wow great benefits. May have to go for it. Nice work on the write up.

Thanks for this info. You have explained this convoluted area quite well.

Thanks for the info. I recently used this card on a rental in Germany and am in the process of submitting a claim. I will report back with the results.

Thanks for providing these details. I tend to overlook these benefits when comparing cards.

As do many of us, but sometimes there’s true value to be had in these features.

Howie, happy New Year to you and all your readers. Sorry if this topic was covered in a previous post, but what can you use the Ultimate Rewards points for?

Steve, thank you! What can you use Ultimate Rewards points for? Oh man, lots of stuff — start here: https://awardwallet.com/blog/different-ways-to-redeem-ultimate-rewards/

Good piece. Definitely bookmarking this article. Thanks.

This card is such a good deal that I might choose to upgrade my Sapphire Preferred despite the much-greater annual fee. I think Chase’snew rules make it almost impossible for me to get another bonus anyway unless I cancel the Sapphire Preferred and go without that card for a period of time. (Which I don’t wish to do). Have you covered this in a blog post?

Yes, indeed. https://awardwallet.com/blog/updated-terms-approvals-signup-bonuses-sapphire-credit-cards/

An impressive array of protection benefits!

This is such a great card, lots of benefits, exactly what I like to see.

This card actually seems like the high annual fee is worth it, especially if you use the $300 travel credit. $150 a year for PP membership, 3x points, and all these benefits on top is not bad.

Exactly why I love it.

If you time it right you can get the $300 travel credit twice before you get charged the first annual fee.

That only works the first year into the second, if you’re cancelling the card. If you keep the card open, you end up with $300 each year. And the year you cancel an opportunity for for an extra $300. The $150 net cost of the card, though, is well worth it if you use the benefits. If you don’t do any traveling, the $300 travel credit and the access to the PP Lounge are not of value to you. But if you use the travel benefits, then the extras that are listed in the article, are well worth the $150.

The benefits guide was a little intimidating and I haven’t read it completely since I got the card almost a year ago! Thanks for breaking it down in smaller chunks for us! Love this card so far!

I’ve found that reading these guides with your favorite adult beverage works out well 🙂

Always good to have all of this info in one place. Many thx!

Thanks These insurance benefits are a major reason NOT to use miles for a ticket. Use miles for an upgrade, but don’t lose the insurance due to the fact that you went cheap for a miles ticket!

NO!!!!! Using miles for upgrades can *sometimes* work out: https://awardwallet.com/blog/upgrade-airline-tickets-miles/ — but it is more of an exception than the rule.

Keep using your miles, just pay the taxes/fees with this card and you’ll receive coverage!

That’s a great tip. I didn’t know that just paying the fees got you covered as well.

This benefits could easily be worth a lot more than lounge access.

EXACTLY! I agree 100%

Wow, these benefits are amazing. Almost hard to believe. I wonder how problematic actually filing a claim and exercising the coverage is.

It actually isn’t that hard. You need to simply have your documentation in order, which for any of us that collect points and miles shouldn’t be too hard to do!

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The Guide to Chase Sapphire Preferred Travel Insurance

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Table of Contents

When does the Chase Sapphire Preferred® Card provide coverage?

Travel insurance benefits and limits on the chase sapphire preferred® card, the travel insurance benefits, explained, how do i file a claim, what if the card benefits are insufficient, the bottom line.

When travelers go abroad, many don’t think about travel insurance until something bad happens. But those who purchase their trip with the Chase Sapphire Preferred® Card are already covered for the most common travel woes.

Who qualifies for coverage under the Chase Sapphire Preferred® Card ? More important, how can you use your coverage in the worst-case scenario?

Empower yourself with the right information before you leave the country — then you'll be ready to lean on your travel insurance through Chase Sapphire Preferred® Card . Here’s what you need to know.

» Learn more: The best travel credit cards

To qualify, a portion of the trip must be purchased with the Chase Sapphire Preferred® Card or with Chase Ultimate Rewards® points earned from the card. Flight purchases made with Chase Ultimate Rewards® transferred to another program will not qualify for travel insurance benefits.

In many situations, travel insurance through the Chase Sapphire Preferred® Card extends beyond the primary cardholder. Trip cancellation, trip interruption, lost luggage and baggage delay coverage includes immediate family members, even if they aren’t traveling with the primary cardholder. However, there are limits to how many people can be covered per trip.

Rental car benefits are only given to the primary cardholder, who Chase defines as the “person to whom a U.S. credit card has been issued and their name is embossed on the card.” But if you meet the qualification requirements, any authorized drivers are also included in the rental car coverage.

» Learn more: Which Chase credit card is right for you?

We’ve included a table of all the travel insurance benefits provided by the Chase Sapphire Preferred® Card with further details about each benefit in the following sections.

Trip cancellation protection

If an event out of your control prevents you from departing for your vacation, trip cancellation benefits may help you recover some of your nonrefundable costs. When you pay for your trip using your Chase Sapphire Preferred® Card or using Chase Ultimate Rewards® points, the primary cardholder gets trip cancellation benefits up to $5,000 per trip or $10,000 per 12-month period. If multiple people are covered on the trip, the limit is $10,000 per trip or $20,000 per 12-month period.

» Learn more: Trip cancellation insurance: What you need to know

The trip cancellation benefit applies if a situation arises which prevents you from traveling on or before the departure date. Covered reasons include the accidental illness or injury to the traveler or a companion, severe weather that prevents a trip, or a change in military orders for the cardholder or their spouse or domestic partner.

Despite the name, trip cancellation doesn't mean cardholders can cancel their trip for any reason, or that all cancellations are covered. Travel arrangements canceled by a common carrier (like an airline or cruise line), tour operator or tour agency may not be covered, unless the cancellation is due to an organized strike or weather.

Trip cancellation also doesn't apply if you are in jail, have a reoccurrence of a pre-existing condition, or are “traveling or flying on any aircraft engaged in flight on a rocket-propelled or rocket launched aircraft.” Note, if the travel supplier cancels your trip but offers a credit or voucher for future travel, you will not be reimbursed by the Chase Sapphire Preferred® Card . If this scenario applies to you, you’ll need to decline the future travel credit to qualify for reimbursement under the Chase Sapphire Preferred® Card .

If you’re concerned with traveling and your reason for cancellation doesn't fall into one of the covered reasons, consider Cancel For Any Reason (CFAR) travel insurance, which is an optional add-on that you can purchase with a comprehensive stand-alone travel insurance policy.

» Learn more: The majority of Americans plan to travel in 2022

Trip interruption coverage

Trip interruption insurance kicks in after departure and protects your nonrefundable prepaid trip plans if an event during your trip results in an interruption. For example, if you’re injured a few days into your trip and need to return home, trip interruption benefits can help you get your money back on the unused portion of your hotel stay. Coverage provided by the Chase Sapphire Preferred® Card provides up to $5,000 per trip or $10,000 per 12-month period. If multiple people are covered, the limit is $10,000 per trip or $20,000 per 12-month period.

The benefit applies to any prepaid tour, trip or vacation charged to your Chase Sapphire Preferred® Card at a destination greater than one mile from your primary residence and for a trip that doesn’t exceed 60 days. Covered situations include accidental injury or illness experienced by the traveler, their companion or an immediate family member, severe weather preventing a trip, finding a primary dwelling to be uninhabitable or a quarantine imposed by a physician for health reasons.

» Learn more: Trip interruption insurance explained

Like the trip cancellation benefit, travelers can’t file a claim for common carrier-caused delays. In addition, traveling against a physician’s advice, to receive medical treatment, while on a waitlist for specific medical treatment or traveling with a pre-existing condition do not count as a trip interruption.

Trip delay protections

A delay can happen for any reason, from irregular operations to missing flight crews for aircraft. Depending on how long your flight is delayed, you could get reimbursed for your incidental costs, ranging from meals to a hotel room.

The Chase Sapphire Preferred® Card offers a trip delay benefit of up to $500 for each purchased ticket if you are delayed by 12 hours or require an overnight stay. The reimbursement can cover reasonable expenses, such as food, hotel rooms, toiletries and any medications you may need.

» Learn more: What you need to know about Chase's trip delay insurance

However, if the delay was made public before departing, you may not be covered by this benefit. Prepaid expenses are not covered under trip delay but could be covered under the trip interruption benefit.

Baggage delay reimbursement

The last thing any traveler wants is the baggage carousel to stop without their bags on it. Those who pay for their trip with the Chase Sapphire Preferred® Card automatically qualify for baggage delay benefits in the event they arrive at their final destination, but their bags do not.

If luggage is delayed by more than six hours while traveling on a common carrier (such as an airline or train line), the Chase Sapphire Preferred® Card baggage delay benefit can reimburse you for up to $100 in essential items per day the luggage is lost. The benefit maximum is five days of delayed luggage, for a total maximum benefit of $500.

Not all emergency items are covered under the benefit. Excluded essential items include contact lenses or glasses, hearing aids, business samples, jewelry, watches, electronic equipment and cell phones. In addition, travelers are only allowed to purchase one cell phone charger under the duration of the benefit.

Lost luggage coverage

The term “lost luggage” doesn’t just apply to bags that are never recovered. A luggage loss can also apply to bags damaged by an airline or certain items that are damaged inside the bag.

If your bags are damaged in transit, you could receive the actual cash value (replacement cost less depreciation) for the items lost, damaged or destroyed during handling up to $3,000. There are jewelry and electronics limits of $500 each, respectively. The benefit may also extend to repair costs for checked or carry-on luggage.

» Learn more: 4 easy ways to make sure your lost luggage is found

To qualify for the lost luggage benefit, all losses must be immediately reported to the carrier. A carrier damage report must be submitted with the claim, otherwise, it could be denied.

Auto rental collision damage waiver

The most unsung benefit of the Chase Sapphire Preferred® Card is the primary auto rental collision damage waiver. If you rent a car and pay for it with the Chase Sapphire Preferred® Card , you could receive reimbursement for damage due to collision or theft up to the actual cash value of the vehicle.

Because the insurance is primary coverage, you would not be forced to file a claim with other insurance sources before filing with the Chase. In order to use this benefit, however, renters must decline the rental company collision damage waiver or loss damage waiver. If the company forces you to purchase their collision damage waiver, you can call Chase for assistance.

Travel accident insurance

Travel accident insurance consists of two types of protections: Common carrier travel accident insurance and 24-hour travel accident insurance, both of which cover accidental death or dismemberment, loss of speech, sight or hearing that occur on a trip.

Common carrier travel accident insurance applies when a covered loss occurs when entering, exiting or riding as a passenger on an airline, bus, train, cruise ship or any other common carrier. The benefit limit is $500,000.

The 24-hour travel accident insurance covers any losses experienced beginning on the departure date and ending on the return date as printed on the airline ticket. The benefit limit is $100,000.

Any losses sustained while committing an illegal act, parachute jumping, or involving flights on aircraft that are not certified by the government, will void coverage.

Other assistance benefits on the Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card provides access to two helpful pay-per use services: Roadside dispatch and travel and emergency assistance services.

For a set price, roadside dispatch offers standard towing, tire changing, jump starting, lockout service, fuel delivery and standard winching assistance 24 hours a day, 7 days per week.

Travel and emergency assistance provides help and referral services and connects you with appropriate local emergency and assistance resources while you’re traveling, 24 hours a day, 7 days per week. Example of services include medical referrals, legal referrals, emergency transportation assistance and more. The cost of using the services are the responsibility of the cardholder.

To file a claim for any of these benefits, your claim time frame begins the day the loss happens.

It’s important to file a claim as soon as possible, as claims can take time to process and provide reimbursement.

Claim information can be found in the benefits guide provided with the Chase Sapphire Preferred® Card . In addition to filing a claim form, you must provide supporting documentation to prove your loss. This includes reports from your airline or other transportation carrier, receipts for purchases related to the loss, or other proof of items lost, damaged or stolen that may be covered.

Once a claim is approved, it can be reimbursed in as few as five days. If you have any questions, call 888-320-9961 from within the U.S. or 804-673-1691 from outside the U.S. Claims can also be filed online at Eclaimsline.com .

If you consider the benefits offered by the Chase Sapphire Preferred® Card to be inadequate or you don’t have a premium travel credit card that provides travel insurance, consider getting a comprehensive travel insurance policy to protect your trip.

To find a policy in your state, you can either check with an insurance provider that you’re already familiar with or check out an insurance comparison site, like SquareMouth.

Insurance comparison sites provide numerous policies to choose from, including travel medical insurance, long-term travel insurance, Cancel For Any Reason coverage and more. Choosing the right plan for you depends on your trip goals and the benefits you’d like to have on your vacation.

» Learn more: How to find the best travel insurance

Despite being an entry level travel rewards card, the Chase Sapphire Preferred® Card offers a solid package of free travel insurance benefits. The card includes trip cancellation, trip interruption, trip delay, baggage delay, lost luggage, auto rental collision coverage and travel accident insurance.

Yes, the Chase Sapphire Preferred® Card offers trip cancellation coverage of $5,000 per trip and $10,000 per each 12-month period. The cardholder and immediate family members are covered by the benefit even if they aren’t traveling with him/her. If more than one individual is insured under the same card and sustains a loss on the trip, the benefit limit is $10,000 per trip and $20,000 per each 12-month period.

Examples of covered reasons include an accidental injury, illness or death of you or your traveling companion, natural disasters, military orders and jury duty. Generally, the reasons must be unforeseen and extraordinary. Trip cancellation coverage is included with the Chase Sapphire Preferred® Card and applies to the primary cardholder and his/her immediate family.

It depends on which card you have. The Chase Sapphire Preferred® Card , the Chase Sapphire Reserve® and the Ink Business Cash® Credit Card are three popular travel rewards credit cards offer travel insurance benefits.

If you have a credit card that offers travel insurance, check to see if the limits are sufficient to cover you for your trip. Although many premium travel credit cards provide complimentary travel insurance, the benefits are usually below those of a standalone travel insurance policy.

Despite being an entry level travel rewards card, the

Chase Sapphire Preferred® Card

offers a solid package of free travel insurance benefits. The card includes trip cancellation, trip interruption, trip delay, baggage delay, lost luggage, auto rental collision coverage and travel accident insurance.

offers trip cancellation coverage of $5,000 per trip and $10,000 per each 12-month period. The cardholder and immediate family members are covered by the benefit even if they aren’t traveling with him/her. If more than one individual is insured under the same card and sustains a loss on the trip, the benefit limit is $10,000 per trip and $20,000 per each 12-month period.

Examples of covered reasons include an accidental injury, illness or death of you or your traveling companion, natural disasters, military orders and jury duty. Generally, the reasons must be unforeseen and extraordinary. Trip cancellation coverage is included with the

and applies to the primary cardholder and his/her immediate family.

It depends on which card you have. The

Chase Sapphire Reserve®

Ink Business Cash® Credit Card

are three popular travel rewards credit cards offer travel insurance benefits.

Travel insurance through the Chase Sapphire Preferred® Card is free. Although the limits aren’t as high as you could get on a comprehensive travel insurance plan, they may be sufficient for your trip needs. These benefits and others , not to mention its mid-tier $95 annual fee, make it a solid entry-level travel rewards credit card.

» Learn more: How to get the most from the Chase Sapphire Preferred® Card

When planning a trip, consider your trip costs and the type of coverage you’re looking for before purchasing an independent policy, as the benefits provided by the Chase Sapphire Preferred® Card may be adequate.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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I visited airport lounges by AmEx and Chase. Both are great, but Centurion is better for 2 key reasons.

Chase Sapphire Reserve credit cardholders can use special Chase-branded airport lounges.

The six lounges compete with American Express' well-established Centurion Lounge network.

Both are great lounges, and Chase is slowly catching up to the superior Centurion network.

I've been a Chase Sapphire Reserve credit card loyalist for years.

I fly frequently for my job and invest the $550 annual fee for its comforts, like trip protection, free Global Entry, and airport lounge access. The latter includes Priority Pass and the Chase-owned airport lounges that have been popping up since 2023.

However, I recently toured an American Express Centurion Lounge for the first time and realized what I've been missing out on.

AmEx was the first credit card company to open a branded lounge at an airport when it launched Centurion in Las Vegas in 2013. Since pioneering the trend, AmEx has expanded its Centurion collection to about 30 locations worldwide, far exceeding Chase's six.

The Centurion concept changed how people experience travel by making lounge access dependent on owning a specific credit card rather than on airline loyalty. Only those with an AmEx Platinum , AmEx Business Platinum, AmEx Centurion, Delta SkyMiles Reserve, or Delta SkyMiles Reserve Business credit card can enter Centurion.

Centurion and Chase only compete domestically in New York City, and I've now experienced both locations at LaGuardia Airport.

I liked Chase's unique amenities, but AmEx has an overall better airport lounge network. Given my travel habits , Centurion access alone would be worth having both Chase and AmEx in my wallet.

Centurion and Chase are neighbors at LaGuardia.

Chase's "Sapphire Lounge by The Club" is next door to AmEx's Centurion Lounge in LaGuardia's Terminal B.

Chase also has lounges in Austin, Boston, Hong Kong, and Washington Dulles and plans to open new ones in Los Angeles, Las Vegas, Philadelphia, Phoenix, and San Diego.

AmEx, by comparison, has 15 lounges in the US and 11 abroad, with two more planned in Salt Lake City and New Jersey's Newark Liberty International Airport.

Chase's lounge is twice the size of Centurion.

The 21,850-square-foot Chase lounge has two levels connected by a central staircase.

The giant space has a dining room, a circular bar, an arcade, a playroom, a fireplace, and several separate sitting rooms, both upstairs and downstairs.

I didn't mind the smaller Centurion.

By comparison, AmEx's 10,000-square-foot lounge takes up one floor and has two main living rooms, a business center, a playroom, a dining room, and a bar area.

I accessed the Centurion lounge thanks to an invite from AmEx since I don't have an AmEx Platinum credit card.

Both had ample seating across several rooms.

The lounges felt spacious, with high ceilings and plenty of seats, loungers, and couches, though Chase's obviously had more sitting rooms.

Although the smaller Centurion Lounge was busy during my early afternoon visit, I didn't feel cramped or crowded.

During my visit to Chase, I found the upstairs area a good place to escape the crowds, as the downstairs was filling up by late morning.

Chase has an arcade, a playroom, and a spa.

Chase's lounge arcade, complete with a pinball machine and a shuffleboard game, was a surprise. I loved the retro theming, and I imagine it'd be an easy way to pass the time before a flight.

Chase lounge-goers can also take advantage of free spa treatments from an on-site aesthetician before their flight. These include free 30-minute facials, which are largely aimed at relieving travel-related stress.

AmEx had a designated playroom like Chase but no spa at its LaGuardia location. However, travelers can find the beauty service at the Centurion Lounge at Los Angeles International Airport.

You can reserve a wellness room at the Sapphire Lounge.

Across from the Chase spa is a wellness room with large loungers for meditation, rest, or sleep. Guests can book one of the two pods for free.

AmEx's LaGuardia location doesn't have a wellness center, but guests can find wellness-inspired offerings in many of its other global locations, such as Seattle, Houston, and London Heathrow.

I personally wouldn't use a spa or other beauty service, as it's not my thing, so this practice at lounges goes largely unnoticed by me. However, BI's Joey Hadden enjoyed her pampering at Chase's LaGuardia lounge in February.

Guests can pay extra for Chase's 'Retreat Suite.'

Chase's LaGuardia location has a special offering called the "Retreat Suite," which can be pre-booked for up to eight people for a fee starting at a steep $2,200. It is a private space away from the main lounge to work or relax, and its the lounge's only available shower.

LaGuardia's Centurion Lounge doesn't offer the same luxury (though it has one bookable shower suite), but high-paying Centurion "Black Card" members can reserve a private room tucked away in the back of the business center.

The LaGuardia version was small, roped off, and without a door. It was nothing particularly special except for the better alcohol offerings, though other lounges have larger and better Black Card-only spaces.

The food at Centurion was better.

The buffet food at both locations was good, but the Centurion food lived up to its reputation as being among the best lounge culinary experiences in the US.

I liked the selection of lunch options available during my visit, like chicken, pasta, and mashed potatoes. I was also offered a few delicious experimental dishes the chef is crafting.

Chase's buffet had simpler meals by comparison, but likely because it was serving breakfast at the time of my visit. Still, I can see room for heartier options in a true buffet style rather than small portions served in a little bowl.

Chase had an a-la-carte menu.

Chase's a-la-carte menu is small, and I ordered an egg omelet in LaGuardia. At Chase's New York-JFK location, which I visited in July, I had salmon benedict and breakfast bao. All were simple but good.

Other menu options included egg polenta and a tofu spinach wrap, among other options.

Some of AmEx's other lounges, like in Mexico City and Mumbai, have a-la-carte dining, too.

Both have a nice-sized bar.

The bar area at Centurion is less grandiose than Chase's circular-style one, but I thought the specialty cocktails were a nice touch.

Still, guests will find a good selection of spirits, wines, and beers at both lounges. Besides alcohol, I didn't see much distinction as both had coffee, juice, tea, and soda, too.

The service at Centurion was among the best.

I loved the service at the Centurion Lounge. The employees were extremely attentive and friendly, and many people were on duty to help guests and keep the lounge clean.

Chase has good service, too, but Centurion's simply stood out.

I liked Centurion's separate business center.

The business-specific room in the Centurion Lounge has several quiet and private places to work, including quiet rooms. There is also a large meeting table in the center of the room.

Chase has similarly spacious meeting areas and little nooks to work or rest away from others.

I loved the cabin-like ambiance of both.

The Chase lounge is big, with a lot of greenery, a fireplace, and cleverly placed trees to create a cabin-in-the-woods atmosphere. The color scheme is a little dull, but the colorful paintings and decor brighten it up.

AmEx has a similarly cozy cabin vibe, with travel-inspired decor on the televisions and wood-like walls, though it is less in-your-face.

Centurion also has intentional AmEx-branded decor, like pillows and artwork. I loved how the staple blue and white color palettes popped. Chase doesn't have the same branding, and I don't think it'd be obvious that it's a Chase-owned lounge just sitting inside.

LaGuardia's Centurion Lounge just scratches the surface.

While LaGuardia's Centurion Lounge doesn't have the same high-end amenities as Chase, likely due to space constraints, AmEx's other lounges do — and then some.

For example, the Denver Centurion Lounge has a pool table, a game room with jumbo Connect Four and Checkers, a craft beer bar, and a live cooking station. The new giant Centurion Lounge in Atlanta has three outdoor terraces, while the Los Angeles location has "sunrise and moonrise" rooms to help ease jetlag.

At New York-JFK, guests can find a two-story Centurion Lounge, complete with a speakeasy. Chase again sits next door to Centurion at that airport, but the roles are essentially reversed as AmEx offers spa services but not at Chase.

Chase's Austin location has a terrace, but the food and drinks offered there aren't nearly as good as those at AmEx. Its Boston location, however, has the same luxe amenities as LaGuardia.

I think AmEx has an overall better network.

The main thing I like about the Centurion Lounge network is that it covers most of the airports I regularly travel through.

This was particuarly evident in places like Las Vegas and and Atlanta, where the Priority Pass lounges , which I get through my Chase credit card, are commonly crowded and underwhelming.

Some busy airports like Los Angeles and New Jersey's Newark Liberty don't even have Priority Pass — but LAX has Centurion, and Newark is getting one in 2026.

Chase's network is a good start, and I'm hoping for international growth.

Chase is playing catch-up with its six existing and four planned branded airport lounges, though its overseas footprint is lacking. Chase has a Sapphire Lounge in Hong Kong, but no other international locations.

That compares to the nearly dozen global Centurion lounges across Brazil, Mexico, China, Argentina, Sweden, India, Australia, and the UK.

I'd pay for both AmEx and Chase.

The $550-a-year Chase Sapphire Reserve and the $695-a-year AmEx Platinum are arguably the best travel credit cards available, but their hefty annual fees add up to $1,245. That's lowered to $745 and less once you factor in the travel credits, discounts on ride-shares and delivery apps, and freebies like TSA PreCheck.

I personally see the benefits of having both Chase and AmEx for my frequent travel lifestyle, especially since I'd also gain Delta SkyClub access.

AmEx would be beneficial for the Centurion network, which, when combined with Chase, would almost always guarantee me lounge access regardless of the airport. Plus, busy airports like Los Angeles, Denver, and Philadelphia don't have Priority Pass — but they have a Centurion.

Meanwhile, Chase is vital because of its Hyatt redemptions. I've earned status with Hyatt by only booking free rooms with points — plus, I've found some stupid good deals. The Hyatt Place on Hawaii's Waikiki Beach I booked for my honeymoon in November , for example, cost $2,000 at face value, but I only spent 72,000 points.

Read the original article on Business Insider

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Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

The Chase Sapphire Reserve and The Platinum Card® from American Express are two of the most popular travel rewards cards . After all, both cards offer valuable transferable rewards , lounge access and the ability to receive elite-like perks when booking hotels through Amex's Fine Hotels & Resorts program and Chase's Luxury Hotel & Resort Collection .

Like many of the top rewards cards , the Chase Sapphire Reserve and Amex Platinum Card also provide travel insurance when you use your card to book travel. In particular, these two premium travel rewards cards offer an excellent combination of trip insurance and bonus earnings on select travel purchases. So, in this guide, let's compare the travel insurance provided by these two cards.

Overview of the travel insurance provided by these cards

Chase Sapphire Reserve Amex Platinum Trip delay insurance Up to $500 per ticket when you're delayed by six-plus hours or overnight. Up to $500 per covered trip when you're delayed by six-plus hours, with a maximum of two claims per eligible card within a 12-month period.* Baggage delay insurance Up to $100 per day for up to five days when your baggage is delayed by six-plus hours. None. Trip cancellation/interruption insurance Up to $10,000 per person, up to $20,000 per trip Up to $10,000 per trip and up to $20,000 per card per 12-month period.* Auto rental collision damage waiver Primary insurance up to $75,000 for theft and collision damage. Secondary insurance up to $75,000 for theft, damage, loss of use and other fees.^ Emergency medical and dental benefit Up to $2,500 for emergency medical expenses, subject to a $50 deductible.

Up to $75 per day for up to five days for a hotel room after a hospital stay.

None. Emergency evacuation insurance Up to $100,000 when you pay for at least part of your common carrier travel with the card. Evacuation must be preapproved by the benefit administrator in order to be covered. Can be provided at no cost to you if coordinated through and approved by the Premium Global Assist Hotline.# Lost luggage reimbursement Up to $3,000 per person, with a $500 cap on jewelry and watches and a $500 cap on cameras and other electronic equipment. Up to $3,000 per person (up to $2,000 for checked luggage) when traveling on a common carrier, with a $1,000-per-person cap on high-value items. For New York state residents, there is a maximum of $2,000 per bag for each person with a $10,000 aggregate maximum for all covered bags and covered persons on the trip. The entire fare for your trip (one-way or round-trip) must be paid for with your eligible card for this benefit to take effect.† Roadside assistance Up to $50 per service event, up to four times per year. None. Travel accident insurance Up to $1 million loss of life common carrier insurance per person.

Up to $100,000 loss of life travel accident insurance per person.

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company. ^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. # Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers. † Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the table above, the Amex Platinum doesn't provide baggage delay insurance , emergency medical and dental benefits , roadside assistance or travel accident insurance . For brevity, I won't discuss the types of insurance the Amex Platinum doesn't provide any further in this guide.

Instead, I'll compare the protections head-to-head for the types of insurance provided by both cards. You can find the guide to benefits for both cards as follows:

• Chase Sapphire Reserve benefits guide
• Amex Platinum benefits guide

And to learn more about both cards, check out our Chase Sapphire Reserve credit card review and Amex Platinum card review .

Related: Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Trip delay insurance

Trip delay insurance may provide reimbursement for reasonable expenses during a delay when traveling on a common carrier. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip delay insurance.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you may gather from the above table, the primary differences in trip delay coverage are:

• The Amex Platinum requires round-trip travel, which you must buy with your card (in whole or combination with other eligible methods).
• The Amex Platinum doesn't cover overnight delays that are less than six hours.
• The Amex Platinum caps your claims to two per 12-month period.
• The Amex Platinum covers traveling companions as long as you pay for their round-trip common carrier fares with your card.
• The Chase Sapphire Reserve explicitly covers delays due to strikes, while the Amex Platinum explicitly covers delays due to lost or stolen passports or travel documents.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Trip cancellation/interruption insurance

Trip cancellation and interruption insurance may provide reimbursement for nonrefundable, prepaid trip expenses when you must cancel or alter a trip due to a covered situation. In some cases, you may be covered for additional expenses. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's trip cancellation and interruption insurance:

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

As you can see in the above table and the related benefits guides, the primary differences in trip cancellation and trip interruption coverage are:

• The Amex Platinum requires round-trip travel , paid with your card (in whole or in combination with other eligible methods). Only travel expenses put on the card used for round-trip common carrier travel will be covered.
• The Amex Platinum may cover the cost to return home or rejoin the trip if your trip is interrupted.
• The Chase Sapphire Reserve may reimburse redeposit fees imposed by a rewards program if your trip is canceled or interrupted, as well as change fees and car positioning fees if your trip is interrupted.
• The Chase Sapphire Reserve covers more types of losses, including if your accommodation at your destination is made uninhabitable or your host at your destination dies or is hospitalized.
• The Amex Platinum excludes losses related to mental or emotional disorders unless hospitalized. The Amex Platinum also excludes losses that occur when you're intoxicated. The Chase Sapphire Reserve excludes any loss for any trip booked while on a waiting list for specified medical treatment.

Check out American Express' trip cancellation and interruption insurance coronavirus frequently asked questions if you're wondering whether the Amex Platinum's insurance will cover coronavirus -related cancellations or interruptions.

Related: Be careful: Avoiding outbreaks isn't covered by most travel insurance

Auto rental collision damage waiver

The collision damage waiver offered by both cards can cover your rental car if you're in an accident or if it's stolen or damaged. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's rental car insurance.

^ Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.

As you can see in the above table and the related guide to benefits, the primary differences in car rental collision damage protection are:

• The Chase Sapphire Reserve covers more types of vehicles.
• The Chase Sapphire Reserve provides primary coverage.
• The Chase Sapphire Reserve doesn't have country exclusions.
• The Amex Platinum offers coverage to spouses when payment is made with an eligible card.
• While the Amex Platinum coverage specifically mentions peer-to-peer rentals, it's unlikely your Sapphire Reserve would cover Turo rentals .

If you'd prefer to get primary coverage for rental cars when using American Express cards , you can enroll in American Express' Premium Car Rental protection .

Related: 11 common rental car mistakes — and how to avoid them

Emergency evacuation and transportation insurance

The emergency evacuation and transportation insurance provided by these cards can arrange and pay for necessary emergency medical transport and evacuation under eligible circumstances. Here's a comparison of the Chase Sapphire Reserve 's and Amex Platinum Card 's emergency evacuation and transportation insurance.

# Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

As you can see in the above table and the related guide to benefits, the primary differences in the emergency medical evaluation benefit are:

• You're covered by the Amex Platinum even if you use another card to purchase your common carrier fare, whereas you must at least partially pay with the Chase Sapphire Reserve or associated rewards to be covered.
• The Chase Sapphire Reserve has stricter requirements for trip length.
• Both cards offer additional benefits that can bring a family member to your side or return now-unaccompanied minors home.

Related: A Medjet medical transport membership is different than travel insurance. Here's why you need both

Lost luggage reimbursement

The lost luggage benefit offered by both cards may reimburse you if your baggage is lost, damaged or stolen during a trip. Here's a comparison of the lost luggage reimbursement provided by the Chase Sapphire Reserve and Amex Platinum Card .

† Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

As you can see in the above table and the related guide to benefits, the primary differences in lost luggage reimbursement are:

• The Amex Platinum explicitly notes that losses due to confiscation by TSA aren't excluded.
• The Chase Sapphire Reserve covers a broader selection of family members when you pay for their ticket using your card.
• The cards exclude different types of items and types of loss.

Related: Everything you need to know about Amex's baggage insurance plan

When should I use the Chase Sapphire Reserve vs. the Amex Platinum?

The Platinum Card from American Express earns 5 Amex Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 of these purchases per calendar year, then 1 point per dollar) for an approximate 10% return based on TPG's valuations . The Chase Sapphire Reserve earns 10 Chase Ultimate Rewards points per dollar on hotels and rental cars purchased through the Chase Travel portal , 5 points per dollar on flights booked through this portal, 10 points per dollar on Lyft rides through March 2025 and 3 points per dollar on all other travel (bonus points earning comes into effect after exhausting the $300 annual travel credit ).

The Sapphire Reserve has an annual fee of $550 while the Amex Platinum Card has a $695 annual fee (see rates and fees ).

Related: Amex Membership Rewards vs. Chase Ultimate Rewards: Which is the best?

Despite the earning gap (which can sway one way or the other, depending on how you book your flights), you may want to use the Chase Sapphire Reserve when booking some common carrier travel. I recommend checking out the guide to both cards' benefits and considering which card is best for your travel expenses. To help, here are some reasons to consider each card.

Reasons to use the Chase Sapphire Reserve

• Offers a baggage delay benefit , an emergency medical and dental benefit, and roadside assistance up to $50 up to four times a year.
• Only a portion of your travel expenses must be charged to your card to unlock most benefits (whereas the Amex Platinum generally only provides benefits when you charge the entire common carrier fare to your card).
• No requirement for round-trip travel.
• Provides trip delay benefits if you're delayed overnight for less than six hours.
• Provides primary car rental coverage.
• Offers travel accident insurance (although the Amex Platinum provides some travel accident insurance on car rentals).
• Includes strikes as an eligible reason for trip delay insurance.
• May reimburse redeposit fees imposed by a rewards program under trip cancellation/interruption insurance .

OFFICIAL APPLICATION LINK: Chase Sapphire Reserve

Reasons to use the Amex Platinum

• Provides an emergency medical evacuation benefit to cardmembers regardless of whether you charged any trip expenses to the card.
• Covers traveling companions for trip delay insurance and trip cancellation/interruption insurance when you purchase their round-trip fare with your card.
• May reimburse additional transportation expenses to rejoin the common carrier covered trip or return to the place of origin; also may cover the purchase of tickets for a new departure, under trip interruption insurance.
• Includes lost or stolen passports or travel documents as an eligible reason for trip delay insurance.
• Has a higher cap on high-value items for lost, damaged or stolen baggage.
• Some readers have found the claim process to be more straightforward and simple.

OFFICIAL APPLICATION LINK: The Platinum Card from American Express

Bottom line

Some travelers who have both cards put their flights on the Amex Platinum to earn 5 points per dollar and put other travel expenses on the Chase Sapphire Reserve to earn 3 points per dollar and activate their trip cancellation and interruption protections.

You might want to keep the Amex Platinum primarily for Centurion Lounge access , hotel elite status and access to Amex Fine Hotels & Resorts , as well as nearly $1,500 in annual credits available to cardmembers.

However, you might want to avoid booking flights with the Amex Platinum because of the round-trip requirement and the lack of baggage delay protection . Instead, you'd prefer to use the Chase Sapphire Reserve for common carrier fares and other travel expenses .

Additional reporting by Ryan Smith.

For rates and fees of the Amex Platinum card, click here .