chase sapphire have travel insurance

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Full List of Travel Insurance Benefits for the Chase Sapphire Reserve Card [2023]

Christine Krzyszton

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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.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel SM .
• $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 SM  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 SM . For example, 75,000 points are worth $1125 toward travel.
• 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 TM  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:  $0

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 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 lounge and lounge-alternative properties 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, 2024.
• 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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Know if you're approved with  no credit score impact.

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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 with American Express Travel when you pay with 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.
• $189 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 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 year period for TSA PreCheck ® application fee for a 5-year plan only (through a TSA PreCheck ® official enrollment provider), 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
• Foreign Transaction Fees:  None

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 huge 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 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 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 SM . For example, 75,000 points are worth $937.50 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, 2024.
• 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 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 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
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 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 above benefits are 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 .

Frequently Asked Questions

Does the chase sapphire reserve card have travel insurance.

The Chase Sapphire Reserve card has one of the best travel insurance packages available.

You’ll find a collection of travel insurance coverages that include primary car rental insurance, trip cancellation/interruption, lost and delayed baggage coverage, emergency evacuation and medical, roadside assistance, and more.

Is the Chase Sapphire Reserve card worth the annual fee?

If you will utilize the benefits offered on the Chase Sapphire Reserve card, the card is definitely worth it.

In fact, we’ve estimated that the card offers benefits that could be valued at nearly $3,500.

Does the Chase Sapphire Reserve card have primary car rental insurance?

The Chase Sapphire Reserve card does offer primary car rental insurance.

Primary car rental insurance does not require that you file a claim with your own car insurance company insurance first. If a covered event occurs, you will have coverage on your Chase Sapphire Reserve card.

You must pay for the entire rental with your Chase Sapphire Reserve card and decline the rental car agency’s collision damage waiver coverage for coverage to be valid.

Can I have more than 1 Chase Sapphire credit card?

While you can have more than 1 Chase credit card, you can only be the primary cardholder on 1 Chase Sapphire credit card, either the Chase Sapphire Reserve card or the Chase Sapphire Preferred card. You could, however, be an authorized user on another Sapphire card.

Which card is better, the Chase Sapphire Preferred card or the Chase Sapphire Reserve card?

Both the Chase Sapphire Preferred card and Chase Sapphire Reserve card offer benefits for the frequent traveler.

The better card for you will depend on your spending mix, your preferred redemption options, your tolerance for paying an annual fee, and the level of travel benefits/protections you will use on the card.

To assist you further, we’ve put together a detailed article comparing the 2 cards. Access our article on the Chase Sapphire Reserve card vs. the Chase Sapphire Preferred card .

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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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 1 each year. Each year, your first $300 in travel purchases will not earn rewards points. 2

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. 7

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. 1

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. 1

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. 1

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. 1

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. 5

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. 6 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. 8

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. 9

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. 10

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. 3 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. 4 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. 1 From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

Takeout tastes even better with a complimentary DashPass membership on both DoorDash and Caviar. You’ll pay no delivery fee and lower service fees on eligible orders for a minimum of one year. Activate by Dec. 31, 2024 12 . Plus, as a DashPass member get a $5 monthly DoorDash credit automatically applied at checkout 13 .

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. 14

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. 1

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. 14

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 & services by June 31, 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 ® 17 and Amazon.com. 18

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 20

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 21

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. 22 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. 20

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. 20

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. 20

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. 23

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 24

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 25 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. 26

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). 27

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 & services by June 31, 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.

Es posible que esta comunicación contenga información acerca de usted o su cuenta. Si tiene alguna pregunta, por favor, llame al número que aparece en el reverso de su tarjeta.

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

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

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Credit cards

11 Chase Sapphire Preferred travel benefits you should know about

Lee Huffman

Robin Saks Frankel

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

Updated 10:13 a.m. UTC May 3, 2024

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The Chase Sapphire Preferred® Card is one of the best travel credit cards for beginners and experienced travelers alike. It offers numerous benefits that can easily justify its $95 annual fee . The points it earns, known as Chase Ultimate Rewards® , are extremely flexible, and you get 25% more value per point when booking travel through Chase Travel℠. This card also includes valuable travel and purchase protections at no extra charge. Learn more about its benefits so you can see why the Sapphire Preferred is so popular among travelers.

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 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

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card details

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 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, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• 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, 2024.
• Member FDIC

1. Up to $50 in annual hotel credits

Every account anniversary year, cardholders receive up to $50 of hotel credits when booking reservations through Chase Travel. These credits cover a portion of your hotel stay and can offset over half of the card’s annual fee.

Travel reservations made through Chase Travel usually earn 5 points per dollar, which is another great reason to book through the Chase travel portal. However, you will not earn points on the spending that qualifies for the $50 annual hotel credit.

2. Points are worth 25% more when booking travel

The Chase Sapphire Preferred earns Chase Ultimate Rewards points that have tremendous flexibility. When using these points to book travel through the Chase Travel portal, they’re worth 25% more. In other words, you get a redemption value of 1.25 cents per point. For example, 50,000 points are worth over $625 in travel compared to redeeming your 50,000 points to get $500 in cash back or gift cards.

3. Transfer points to 14 airline and hotel partners

In addition to booking travel or getting cash back, cardholders can also transfer Ultimate Rewards points to 14 airline and hotel partners. Points transfer to 11 airlines and three hotel loyalty programs on a 1:1 basis without any transfer fees. Transfer partners include United Airlines, Air Canada, Air France, Marriott and Hyatt.

Transferring points tends to offer the highest value redemptions as you can often find outsize value when using your rewards to book peak travel dates, high-end hotels and premium cabin flights vs. what you’d pay in cash.

Unsure if a travel card is right for you? See our list of the best credit cards to review other options

4. Get a 10% bonus every year

Unlike the Chase Sapphire Preferred’s welcome bonus , which is a one-time windfall, on your account anniversary, you’ll receive unlimited bonus points worth 10% of your total purchases made during the previous year. For example, that means if you spend $50,000 over the 12 months of your account anniversary year, you’ll get 5,000 bonus points.

5. Repay eligible purchases up to 24 months without interest

The Chase Sapphire Preferred doesn’t offer a 0% intro APR period on purchases or balance transfers. However, you can use the My Chase Plan® to break up purchases of $100 or more into fixed monthly payments for up to 24 months without interest. Instead of interest charges, you’ll pay a fixed monthly fee to use this benefit.

6. Complimentary travel protections

Chase includes complimentary travel protections in case you encounter problems during your trip. When booking reservations with the Chase Sapphire Preferred, you’re covered against trip cancellation, interruption and delays. Coverage includes up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses if your trip is canceled or interrupted.

When your trip is delayed more than 12 hours or requires an overnight stay, you can receive up to $500 per ticket for meals, lodging and other eligible expenses. Baggage delay benefits provide up to $100 per day per person for five days to cover the essentials if your baggage is delayed more than six hours.

Rental cars are protected against damage or theft when you decline rental car collision insurance and charge the entire reservation to your Chase Sapphire Preferred card. This coverage is primary, which is rare in a card at this affordable price point.

7. Benefits that protect your purchases

Your eligible purchases are protected against damage or theft for the first 120 days. Purchase protection claims are good for up to $500 per item and $50,000 per account.

Chase also includes extended warranty protection on eligible U.S. manufacturer warranties of three years or less. This benefit provides an extra year of coverage on eligible items.

8. Partner benefits earn bonus points and save money

Chase Sapphire Preferred benefits include bonus points and savings with exclusive partnerships with popular brands. Lyft rides earn 5 points per dollar through March 2025. DoorDash provides a one-year, complimentary DashPass membership offering $0 delivery fees and lower service fees.

Cardholders can save money with a complimentary Instacart+ membership for six months and up to $15 in statement credits each quarter through July 2024.

9. No foreign transaction fees

Bring your Chase Sapphire Preferred when traveling internationally because it waives foreign transaction fees. This benefit avoids a hidden fee of up to 3% on international purchases that many other credit cards charge. For example, $5,000 in purchases in another country could incur up to $150 in foreign transaction fees if you used a credit card that charges such a fee.

10. Spend instantly upon approval

When you apply for a new credit card, you typically have to wait up to 10 days to receive your physical card before you can start spending. If you’re approved for the Chase Sapphire Preferred , new cardholders can start spending right away by adding the card to their digital wallets. This enables them to get a head start on meeting the requirements to earn the card’s welcome bonus .

11. Refer friends and earn bonus points

In addition to earning Chase Ultimate Rewards points on your purchases, you can also earn points by referring your friends and family to the Chase Sapphire Preferred card. You’ll receive 15,000 points for each friend who is approved for the card. Chase allows cardholders to earn up to 75,000 bonus points each year with successful referrals, which is worth over $900 in travel booked through the Chase Travel portal.

Should travelers get the Chase Sapphire Preferred card?

With so many benefits, it’s easy to see why the Chase Sapphire Preferred is such a valuable travel credit card. It earns  5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases, includes travel and purchase protections, and points can be redeemed in numerous ways. This card offers advantages whether you’re traveling internationally or making daily purchases in your local area. Plus, it includes limited-time partner offers that earn bonus points and provide savings on your purchases.

Frequently asked questions (FAQs)

When you rent a car and pay with the Chase Sapphire Preferred, you’ll automatically receive complimentary primary rental car coverage against damage or theft. 

And when using points to pay for your rental car reservation through Chase Travel, you’ll get 25% more value per point than you would if redeeming your rewards for cash back.

The Chase Sapphire Preferred includes numerous travel protection benefits in case your trip doesn’t go as planned. You’ll receive trip cancellation, interruption and delay benefits, as well as baggage delay insurance. Plus, your rental car is protected against damage or theft.

There are a few travel perks, however, the card does not offer including airport lounge access and a trusted traveler application fee reimbursement .

As an active-duty military member, you’re entitled to specific benefits through the Servicemembers Civil Relief Act (SCRA). Chase provides a reduction in the interest rate on your credit cards and waives the annual fees. To receive these benefits, send Chase a copy of your orders through a secure message at Chase.com or by mail.

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.

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel, and other personal finance topics. Lee enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

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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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

* 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 .

Chase Sapphire Preferred ® credit card

60,000 75,000 75,000 not sixty thousand bonus points

  3X on dining

  2X on travel

New cardmember offer

60,000 75,000 75,000 not 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

Premium dining & travel rewards.

Earn 5x total points on travel purchased through Chase Travel SM , excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. * Opens offer details overlay Earn 3x points on dining, including eligible delivery services, takeout and dining out. * Opens offer details overlay Earn 2x on other travel purchases. * Opens offer details overlay

Interest Rate

--> 21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

--> $95 † Opens pricing and terms in new window

Travel Credit Card Rewards & Benefits

New cardmember offer, earn 75,000 bonus points.

after you spend $4,000 on purchases in the first 3 months from account opening. * Opens offer details overlay That's over $900 toward travel when redeemed through Chase Travel.

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

$150 in additional partnership benefit value.

Take advantage of over $150 in partner value Opens overlay. with Sapphire Preferred.

Earn Rewards

More ways to earn.

Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel. * Opens offer details overlay

Earn 5x total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. * Opens offer details overlay

Earn 2x on other travel purchases. * Opens offer details overlay

Earn 3x points on dining, including eligible delivery services, takeout and dining out. * Opens offer details overlay

Earn 3x points on online grocery purchases (excluding Target, * Opens offer details overlay Walmart and wholesale clubs). * Opens offer details overlay

Earn 3x points on select streaming services. * Opens offer details overlay

Plus, earn 1 point per dollar spent on all other purchases. * Opens offer details overlay

Ultimate Rewards

Additional value with ultimate rewards.

Get 25% more value when redeemed for travel. For example 75,000 points are worth $937.50 toward travel when redeemed through Chase Travel. * Opens offer details overlay

Plus, ultimate rewards points do not expire as long as the account is open. * Opens offer details overlay

Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you'll get 2,500 bonus points. * Opens offer details overlay

No Expiration

Chase pay over time.

Eligible cardmembers * Opens offer details overlay can break up card purchases of $100 or more * Opens offer details overlay into fixed monthly payments with Chase Pay Over Time SM . * Opens offer details overlay No interest, just a fixed monthly fee. † Opens pricing and terms in new window

Explore Additional Benefits

1:1 point transfer opens drawer that reveals additional content.

Are you a member of a frequent travel program? With Chase Sapphire Preferred ® , you can transfer your points to leading frequent travel programs at 1 to 1 value.

Airline Travel Partners

• Aer Lingus, AerClub
• Air Canada Aeroplan
• British Airways Executive Club
• Emirates Skywards ®
• Flying Blue AIR FRANCE KLM
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards ®
• United MileagePlus ®
• Virgin Atlantic Flying Club

Hotel Travel Partners

• IHG ® Rewards Club
• Marriott Bonvoy ®
• World of Hyatt ®

Partner benefits Opens drawer that reveals additional content

Earn more points.

Earn 5x 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

Instacart+ Subscription

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+. * Opens offer details overlay Activate by July 31, 2024. Plus, Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay Membership auto-renews.

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 December 31, 2024. * Opens offer details overlay

Earn 5x total points on Peloton equipment and accessory purchases over $150 with a max earn of 25,000 total points now through Mar. 31, 2025. * Opens offer details overlay

Travel & purchase coverage Opens drawer that reveals additional content

You're covered with built-in benefits

Travel confidently

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

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 the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad. ** 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

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 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 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.) ** Same page link to disclaimer

Shop with confidence

Purchase protection.

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. ** Same page link to disclaimer

Extended Warranty Protection

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

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.

24/7 access Opens drawer that reveals additional content

24/7 access to a customer service specialist, 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 .

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: 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 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 .

Cardmember Reviews

Just excellent.

This card offers the best of any aspect of life! Travel, Rewards, Cashback! Everything is just so well explained and the customer service is just perfect. Will be your best companion for travel, business, or pretty much anything you do!

Submitted by: Alex

Best travel card ever !

This card should be rated the best card for travelers. Great perks on travel and dining. No international transaction fees. Cash back actually covers the annual fees. Thank you Chase for giving the best and caring for consumers.

Submitted by: Sunshine

Best Credit Card I Have

I recommend this card to all my friends and family. I have two other credit cards, but usually only use my chase card because of all the benefits of using it. Plus, I feel safe using a chase card.

Submitted by: Amanda

Curious about the Chase Sapphire Preferred ® credit card?

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

See All Reviews . Opens overlay containing additional reviews.

Refer Friends if you already have either Chase Sapphire ® card!

Click the button below to start referring.

Browse credit cards by category

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..

75,000 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.

Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Preferred 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 Preferred 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: hotel accommodation purchases through Chase Travel that qualify for the $50 Annual Chase Travel Hotel 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. 2 points ("2X points") on travel purchases: You'll earn 2 points for each $1 spent on purchases made in the travel category. 5 points ("5X points") on Chase Travel purchases: You'll earn 5 points total for each $1 spent on purchases made using your card through Chase Travel (3 additional points on top of the 2 points earned on each purchase in the travel category). Any hotel accommodation purchases made using your card through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, won't earn points. "$50 Annual Chase Travel Hotel Credit" means the statement credit that is automatically applied to your account annually on hotel accommodation purchases made using your card through Chase Travel, up to an annual maximum accumulation of $50. "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. 3 points ("3X points"): You'll earn 3 points for each $1 spent on purchases in the following rewards categories: dining at restaurants including takeout and eligible delivery services; select streaming services; online grocery (excluding Target ® , Walmart ® and wholesale clubs). 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. 10% anniversary points bonus: Each account anniversary year, you'll earn bonus points that equal 10% of your total spend in points from purchases made with your credit card during the previous account anniversary year at a rate of 1 point for each $1 spent. "Account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. 5 total points ("5X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 3 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 "5X" in marketing materials to refer to the 3 points in addition to the 2 points earned on travel purchases (see above). The additional 3 points will appear on your billing statement in a separate line from the 2 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. 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 .

Third-Party Merchants: The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

$50 Annual Chase Travel Hotel Credit: A statement credit will automatically be applied to your account when your card is used for hotel accommodation purchases made through Chase Travel, up to an annual maximum accumulation of $50. Annual means the year beginning with your account open date through the first statement date after your account anniversary, and the 12 monthly billing cycles after that each year. Annually, the first $50 in Chase Travel hotel purchases will not earn rewards points. Statement credit(s) will appear on your monthly credit card billing statement within 1-2 billing cycles after your purchase posts to your account.

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 $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value, and points are worth 25% more than if redeemed for cash. For example, 75,000 points are worth $937.50 when redeemed for travel purchases, or $750 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 Preferred credit card to pay for your purchase, each point will be worth $.0125, but your credit card will be charged the full remaining dollar amount.

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.

Complimentary DashPass: You and your authorized user(s) will receive at least 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date, when the membership is activated with a Chase Sapphire Preferred card by 12/31/2024. Membership period for all users on this Chase Sapphire account will begin and end based on when the first user activates the membership on DoorDash or Caviar. The same login credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their Chase Sapphire card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your Chase Sapphire card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may still apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile 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 DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. If you product change to another Chase credit card eligible for a DashPass membership during the promotional period, your DashPass benefits may change. You may experience a delay in updating your applicable DashPass benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. 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 .

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 .

Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for 6 months (for Chase Sapphire Preferred and Chase Sapphire cardmembers) when the membership is activated on http://www.instacart.com/chase with an eligible card between 6/15/2022 and 7/31/2024. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). This offer is non-transferrable. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart's membership include no delivery fee on orders that total over $35 (amount subject to change – see Instacart.com for current minimum); however, other fees, taxes, and/or tips may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, unless you have not placed any orders or you cancel during your complimentary Instacart+ membership period. If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. Cancellation goes into effect during the next billing cycle. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default.

Statement Credit on Instacart Purchases: Earn up to $15 per calendar quarter (for Chase Sapphire Preferred and Chase Sapphire cardmembers) in statement credits on qualifying Instacart purchases from 8/1/2022 through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on Instacart.com/chase with your eligible Chase credit card. Calendar quarters are Jan – March, April – June, July – September, October – December, and the partial calendar quarters at the beginning and end of the promotional period. You can check the status of your enrollment in the Chase benefit within the Instacart+ section of the Instacart mobile app. You will continue to receive statement credit benefits regardless of whether you choose to renew your Instacart+ membership at the end of your complimentary period. Qualifying Instacart purchases include only those orders purchased by you, or an authorized user, with a Chase Sapphire Preferred credit card through Instacart.com or the Instacart mobile application (gift cards excluded). Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Statement credits will be issued for the calendar quarter in which the transaction posts to your account. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar quarter ends, the cost of the Instacart purchase will be allocated towards the next calendar quarter's maximum, or will not qualify if the promotional period has ended. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Accounts must be open and not in default at the time the statement credit posts to your account.

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.

Chase Mobile App: Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.

Chase Sapphire Preferred Card named "Best All-Purpose Travel Rewards 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 Preferred 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 Preferred voted "Best Travel Rewards Credit Card" by readers of The Points Guy. Source: The TPG Awards, November 2023. The Points Guy is paid a fee for each approved Chase Sapphire Preferred account referred through its site. Chase does not exercise any editorial control over TPG credit card reviews.

Chase Sapphire Preferred ranked as "Best Entry-Level Travel Card" by Forbes Advisor. Source: The Forbes Advisor Awards, February 2024. Forbes Advisor is paid a fee for each approved Chase Sapphire Preferred 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.

INSTACART ® , the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

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

Chase Sapphire Preferred 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 DashPass Subscription

Get a 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 12 months when you activate by Dec 31, 2024. * Opens offer details overlay

Monthly DoorDash Credit

Get $5 in DoorDash credits each month through Dec 31, 2024, redeemed at checkout. * Opens offer details overlay

Instacart Membership

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+ —a value of $99 /year. Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Monthly Instacart Credit

Instacart+ members earn up to $15 in statement credits each month through July 2024. * 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

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

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 $96/year - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2024. * Opens offer details overlay

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+ —a value of $60 value . Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Quarterly Instacart Credit

Sapphire Preferred Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * 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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What does chase freedom® travel insurance cover.

The Chase Freedom ® family of cards come with several attractive features, such as 1.5% cash back on purchases. But did you know that Freedom cards also come with travel insurance benefits that can help you book a vacation with greater peace of mind?

It's true, common carrier expenses such as a plane ticket or cruise line booking can be reimbursed — if certain covered situations arise that interrupt your vacation or force the cancellation of your reservation. Read on to learn more about these benefits, as well as some important facts to know before you purchase your next vacation using your Freedom card.

Do Chase Freedom credit cards come with travel insurance?

All three currently issued Freedom cards: Chase Freedom Unlimited ® , Chase Freedom Flex ® and Chase Freedom Rise ® offer their cardmembers basic travel insurance covering trip interruption or cancellation. This covers certain ‘‘what if’’ situations that may impact your travel plans, providing reimbursement after a claim is filed and processed.

For the Freedom family of cardmembers, the maximum amount of this reimbursement benefit is up to $1,500 per cardmember, their immediate relative or domestic partner. The maximum reimbursement benefit per trip is $6,000.

In order to be covered, the flight or cruise trip must be paid in full or partially using your Chase Freedom card or accumulated Ultimate Rewards ® . Immediate family members do not necessarily need to be traveling with the Freedom cardmember who booked the trip for the trip interruption or cancellation benefit to apply.

What’s the difference between trip interruption and trip cancellation?

Trip interruption insurance is a form of reimbursement for unused, prepaid and non-refundable travel expenses if a trip needs to be cut short by covered situations that come up during or after departure.

Trip cancellation insurance is a pre-departure benefit that can reimburse trip costs if a traveler needs to cancel their trip altogether due to unforeseeable and non-refundable circumstances.

There can be some subtle differences between the coverage provided in trip interruption versus cancellation insurance-covered situations. For more information, consult your Chase Freedom Guide to Benefits. The following is a summary of some applicable trip interruption or cancellation situations:

What is covered by Chase Freedom’s travel insurance?

The Chase Freedom card may cover trip interruption or cancellation from:

• Hurricanes, tornadoes, or other severe weather either impacting the point of origin or destination of your trip, as well as the airspace or route between the two points, that causes the cessation or cancellation of service by the airline or another type of common carrier, such as a cruise line. This also applies to hotels and resort destinations you may have booked when they are impacted by severe storms.
• Accidental bodily injury , or a severe illness prior to or during a trip that impacts the cardmember traveler, their traveling spouse or domestic partner, or their immediate relative—see cardmember Benefits Guide for details
• An organized strike impacting the common carrier (airline) or public transportation that causes you or your spouse or domestic partner to miss at least 20% of your booked itinerary
• A change in military orders for you, your spouse or domestic partner that requires you to cut short or cancel your trip

What’s not covered by Chase Freedom travel insurance

The following is a short list of common exclusions from Chase Freedom travel insurance:

• Trip interruption and cancellation insurance does not apply to trips lasting more than 60 days
• Trip interruptions or cancellations caused by the financial insolvency of a booked airline, tour operator or travel agency
• Any pre-existing medical conditions are not covered

Please note that these benefits are payable over and above any amount due from valid or collectible insurance, such as a travel insurance policy you may have taken out from an insurance company to insure you trip. Please also be aware that these benefits will not apply if you fail to contact the common carrier such as an airline and address any compensation you may be owed from the airline. Nor do these benefits apply to a voluntary situation when a cardmember accepts compensation in miles from an overbooking airline to take a later flight.

What Travel and Emergency Assistance Services are available to Chase Freedom cardmembers?

Chase through its Benefits Administrator offers a Travel and Emergency Assistance line that can be reached 24 hours a day, 365 days a year. This helpline can assist you with pre-trip information about your destination, such as currency exchange rates and the required visas and immunizations to visit a country. The Travel and Emergency Assistance help line can also assist with certain stressful situations that can arise while traveling in a foreign country, such as:

• Medical referral assistance to hospitals, doctors and dentists
• Legal referral assistance
• Arranging for emergency ground transportation to leave the country

Although the Travel and Emergency Assistance helpline can direct you to legal, medical, dental and transportation providers in the foreign country you are visiting, all costs associated with these services will be your responsibility.

Chase Freedom card coverage benefits for rental cars

The Chase Freedom Auto Rental Collision Damage Waiver (ARCDW) that comes with your Chase Freedom card can reduce some of the stress involved in renting a car, by offering some protection against damage or theft to domestic rental cars. Your cardmember benefit also can provide primary coverage for damage or theft to international car rentals. Note that in order for this coverage to apply, you must waive the rental car company’s own collision damage waiver coverage when reserving your vehicle and picking it up at the rental car counter.

Car rentals that last more than 31 days, as well as high-performance or luxury cars and boat rentals are not covered. Rental car provider, country and vehicle type restrictions apply—see your Guide to Benefits terms and conditions for details.

If there’s been a collision damaging your rental car, please report the damage to the rental car company before contacting the Benefits Administrator.

How to file a Chase Freedom travel insurance claim

If your flight or cruise line trip is interrupted or cancelled, contact the common carrier first to see if they can address the situation first, before contacting the Benefits Administrator.

In order to qualify for these benefits and file a claim for an interrupted or cancelled trip with the Benefits Administrator, you must:

• Take action within 20 days of your trip being cancelled or interrupted, by calling the Benefit Administrator using the number on the back of your card, or logging on to eclaimsline.com
• Provide the Freedom card statement for the travel expenses charged and any necessary documentation from your trip, such as your travel itinerary, unused or cancelled flight plane tickets or medical treatment records
• Submit all documentation requested by the Benefits Administrator within 90 days of your interrupted or cancelled trip

Final thoughts: What to know before you go

The trip interruption and cancellation insurance coverage that comes with booking holiday travel or vacations using your Chase Freedom card shouldn’t be viewed as a replacement, but as a supplement to any travel insurance policies you may purchase through an insurance company. Researching and purchasing a travel insurance policy is highly recommended if you plan to travel internationally for more than several weeks. Exclusions apply for trips that exceed 60 days duration — see your cardmember Benefits Guide for details.

Knowing that help is just a phone call away can be a relief when you are traveling to an unfamiliar destination or a foreign country. So too can be knowing you have collision damage coverage when renting a car in the U.S. or abroad using your Chase Freedom credit card.

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Chase Sapphire Preferred® Card Review 2024

As the preferred travel credit card for beginners and travel pros alike, the Chase Sapphire Preferred® Card earns its name.

Expert take: The Chase Sapphire Preferred’s popularity in the travel rewards card space makes sense—it earns valuable Chase Ultimate Rewards points, offers perks like an annual travel credit and charges just a $95 annual fee. With so much to offer, and for a modest fee, it’s a great choice for beginner travelers and seasoned pros alike. 

• Valuable food-related bonus categories
• Welcome offer is worth over $900 when redeemed for travel through Chase Travel
• Get a 10% point bonus each account anniversary
• $95 annual fee could be too much for beginners 
• Redeeming for the highest value can be complex
• Not as many perks as travel rewards cards with higher fees

Vault’s Viewpoint on the Chase Sapphire Preferred Card

The Chase Sapphire Preferred is a great card for travelers of all frequencies. Whether you’re just starting out with travel rewards or already have a handful of travel cards, the Chase Sapphire Preferred can be a useful tool for earning rewards toward free or discounted travel.

The Chase Ultimate Rewards points you earn with this card can be redeemed for flights, hotel stays, rental cars and more through the Chase Travel portal—and for 25% more value. Further, if you’re able to meet the minimum spending threshold within the first three months of account opening, you can start off with enough points to fund or partially cover your next trip.

Still, there are a few reasons you might pass on the Sapphire Preferred. Though it can easily pay for itself, the presence of an annual fee is a dealbreaker for some. In the same vein, some people prefer simplicity over learning a rewards currency’s intricacies, and there’s definitely a learning curve with Chase Ultimate Rewards. 

Chase Sapphire Preferred Highlights

• Annual fee: $95

Sign-up bonus: Earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, equal to over $900 when you redeem for travel through Chase Travel

Earning Rewards With the Chase Sapphire Preferred Credit Card

For most people, the bulk of everyday rewards earning is going to be done at restaurants and on online groceries. Here’s a look at the Chase Sapphire Preferred’s rewards structure: 

• 5X points on travel purchased through Chase Travel
• 5X points on qualifying Lyft rides (through March 31, 2025)
• 3X points on dining (including eligible delivery services, takeout and dining out)
• 3X points on online groceries (excluding Target, Walmart and wholesale clubs)
• 3X points on select streaming services
• 2X points on other travel purchases
• 1X points on all other purchases

Redeeming Rewards

When it’s time to cut into your points balance, you have a lot of options. Redeem your points for travel purchases through the Chase Travel portal at 1.25 cents apiece or transfer your points to a Chase hotel or airline partner for even greater value. 

Other options include cash back , gift cards, paying with points on Amazon and via PayPal, exclusive experiences, dining through Chase and credits for previous purchases through Chase’s Pay Yourself Back program.

Rates and Fees

There’s more to know about the Chase Sapphire Preferred’s fee structure than just the annual fee. Like most travel cards , it’s not a great option for carrying a balance—especially since there’s no 0% introductory APR offer.

• Intro APR: None
• Regular APR: 21.49% – 28.49% variable
• Foreign transaction fees: None
• My Chase Plan fee: Monthly fee of 1.72% of the amount of each eligible purchase or amount selected to create a My Chase Plan
• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• Late payment fee: Up to $40
• Penalty APR: 29.99% maximum
• Cash advance fee: Either $10 or 5% of the amount of each transaction, whichever is greater
• Cash advance APR: 29.99%

Chase Sapphire Preferred Benefits

Travel perks.

• Annual hotel credit: Get up to $50 in annual credits on hotel stays purchased through Chase Travel.
• Anniversary points bonus: On each account anniversary, get a point bonus that equals 10% of your spending from the previous year.
• 25% points boost: Get 25% more value for your Chase Sapphire Preferred points when you redeem for travel through Chase Travel
• Chase transfer partners: Transfer points to Chase’s travel partners, including JetBlue, Southwest, United, Hyatt and Marriott, for heightened value.

Travel Protections

• Trip cancellation/interruption insurance: If your trip is canceled or cut short by illness, severe weather or other protected situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your prepaid, nonrefundable travel expenses. This includes passenger fares, tours and hotels.
• Auto rental collision damage waiver: If you decline the rental company’s collision insurance and charge the entire rental cost to your card, this primary coverage reimburses up to the actual cash value of the vehicle for theft and collision damage for most rental cars both in the U.S. and internationally.
• Baggage delay insurance: Get up to $100 per day in reimbursement for essential purchases like clothing and toiletries for baggage that’s delayed by more than six hours for up to five days.
• Trip delay reimbursement: This covers unreimbursed expenses, such as meals and lodging, for up to $500 per ticket. It applies when your common carrier travel is delayed more than 12 hours or requires an overnight stay. 
• Emergency assistance services: Get help with legal and medical referrals or other travel and emergency assistance while away from home.  

Shopping Benefits

• Instant use: Receive instant access to your card upon approval by adding it to a digital wallet like Apple Pay. 
• Pay over time: With My Chase Plan, break up eligible purchases of $100 or more into monthly payments with no interest—just a fixed monthly fee of 1.72%.
• Lyft rewards : Earn 5X points on qualifying Lyft rides through March 31, 2025.
• Doordash DashPass: Get a complimentary one-year DashPass membership, which includes $0 delivery fees and lower service fees on eligible orders when you activate by December 31, 2024.
• Instacart+ membership : Get six months of complimentary Instacart+ membership and up to $15 in quarterly statement credits when you activate by July 31, 2024.
• Peloton rewards : Earn 5X points on Peloton equipment and accessory purchases over $150 (up to 25,000 total points) through March 31, 2025.

Shopping Protections

• Purchase protection: Your new purchases are covered for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
• Extended warranty protection: This extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Who Is the Chase Sapphire Preferred Best For?

First-time travel rewards credit card holders will love the value they get from this card. The annual fee cuts into the Chase Sapphire Preferred’s value a little, but the current welcome bonus pays for that fee almost ten times over if you redeem your points through Chase Travel.  

You’ll get even more value if you transfer your points to hotel or airline transfer partners. These are just some examples we put together of what you can get for 75,000 points or less, plus taxes and fees where applicable:

• Two round-trip economy tickets from select cities in North America to select cities in Europe via Air France/KLM Flying Blue starting from 30,000 miles each , or one round-trip premium economy ticket for the same route from 60,000 miles 
• 21 nights at a Category 1 Hyatt hotel during off-peak dates (from 3,500 points/night) or 15 nights during standard dates (from 5,000 points per night)
• One one-way ticket from the U.S. West Coast to Singapore or several other countries in Southeast Asia in economy (from 42,000 miles) or premium economy (from 75,000 miles) via Singapore Airlines KrisFlyer when saver award space is available

With enough points to fully or partially cover your next roundtrip flight or hotel stay, this is a gratifying card right off the bat. 

The rewards categories are also beginner-friendly, not requiring outlandish spending on travel to earn a great rate. Plus, with the inclusion of categories for dining and online groceries, you can use this card for some of your daily spending—helping your points pile up more quickly.

The Sapphire Preferred’s more complicated redemption options, including transferring to Chase travel partners, keep the card interesting for rewards maximizers who aren’t afraid to do some math to get the best bang for their buck. 

If you travel a lot, you’ll want this card in your wallet for the travel protections. One thing you can guarantee if you’re catching flights often is that, at some point, you’re going to run into a baggage delay, inclement weather or something else. When you do, the Sapphire Preferred has you covered.

Who Should Consider an Alternative to the Chase Sapphire Preferred?

Though it’s a great card for beginners, not everyone begins from the same place or with the same goals. For example, maybe you really don’t love the idea of an annual fee. If you’re just hoping to earn enough points for a domestic flight every year or so, there are cards that offer travel points or miles with no annual fee. 

What’s more, the rewards structure isn’t the simplest. Some people would rather earn a flat rate of rewards on all purchases and know the standard value per point for every redemption.

How Does the Chase Sapphire Preferred Card Stack Up to Its Competitors?

As one of the top travel credit cards, the Chase Sapphire Preferred is always being compared to other premier travel cards. Here are a few options you should consider:

Chase Sapphire Preferred vs. Capital One Venture Rewards Credit Card

These two travel rewards card titans are often compared with each other. They both offer generous ongoing rewards rates and welcome bonuses worth hundreds of dollars in travel redemptions while only charging $95 annual fees. Further, both cards let you transfer rewards to airline partners (though Chase’s roster of airline partners is likely more useful for most people). 

While the Chase Sapphire Preferred offers 1X points on general purchases and boosted rates in bonus categories, the Capital One Venture keeps it simple: earn a flat 2X miles on all purchases (plus 5X miles spent on hotels and rental cars booked through Capital One Travel). When it’s time to redeem your rewards, you’ll likely get a slightly higher value from Chase Sapphire points. 

Travel benefits are another differentiator for these cards. While the Chase Sapphire Preferred offers a long list of travel protections, the Capital One Venture’s setup is pared down. It offers rental car coverage and travel accident insurance, but that’s about it in the way of protections. However, the Venture does offer a Global Entry or TSA PreCheck credit of up to $100—a huge missing piece for the Chase Sapphire Preferred. 

The bottom line is that you have the opportunity to get more value out of your rewards redemptions with the Chase Sapphire Preferred. But if simplicity is valuable to you and you aren’t worried about maximizing every reward, the Capital One Venture is another solid option. 

Chase Sapphire Preferred vs. American Express® Green Card

Another mid-level travel credit card with food-focused rewards, the Amex Green Card is a common choice for beginners in the points and miles space. Both cards offer elevated rewards rates on dining and travel, but there’s a key difference in the third category: the Chase Sapphire Preferred offers 3X points on online groceries, while the Amex Green offers 3X points on transit, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways.

It’s also worth making a distinction about the Amex Green Card’s travel category. The card offers 3X points on travel, while the Chase Sapphire Preferred rewards 5X points on travel purchased through Chase and 2X points on all other travel purchases.

The Amex Green Card’s annual fee is a bit steeper at $150, but you get access to additional credits that, if you use them, more than make up for the cost of the annual fee. Those credits include a $189 CLEAR credit and a $100 LoungeBuddy credit. 

Still, most people will find the Chase Sapphire Preferred to be a more versatile and lucrative card, considering the inclusion of rewards on online groceries and higher rewards rates on travel. Plus, the Sapphire Preferred’s welcome bonus is higher.

All information about the American Express® Green Card has been collected independently by Newsweek.com. The American Express® Green Card is no longer available through Newsweek.com.

Chase Sapphire Preferred vs. Chase Sapphire Reserve®

The Chase Sapphire Reserve is the upgraded version of the Preferred, offering more travel perks and a larger collection of rewards categories. It also comes with a far heftier annual fee—$550, compared to the Sapphire Preferred’s $95 annual fee. 

Still, the Sapphire Preferred has a few things the Reserve does not. Most importantly, the Reserve does not offer an anniversary point bonus or a boosted rewards rate on online groceries. It justifies its annual fee with a long list of travel benefits, though, including a Global Entry or TSA PreCheck credit, airport lounge access and a $300 annual travel credit.

Paying the annual fee for the Sapphire Reserve might be worth it if you’re traveling all the time and value luxury perks. But if you don’t consider yourself a luxury traveler, you’ll get plenty of value from the Chase Sapphire Preferred for a far lower fee. 

Is the Chase Sapphire Preferred Worth It?

For a $95 annual fee, the Chase Sapphire Preferred packs a ton of value. Between the welcome bonus (worth over $900 when redeemed for travel through Chase Travel and potentially much more if you transfer your points to travel partners), 3X points on valuable categories like dining and online groceries and its list of travel perks and protections, even those who only take a trip or two a year can get plenty of value out of this card. 

If you use the $50 annual hotel credit, that makes up for over half of the annual fee’s cost. Between the rewards you’ll earn on your spending and all of the perks available, it’s hard not to get your money’s worth with this card.

The Sapphire Preferred’s current bonus is the highest we’ve seen from the card in a year, up 15,000 points from the 60,000-point bonus that may be considered typically offered. We don’t know how long this elevated bonus will last, so if you’re interested in the card, it may be best to get it sooner rather than later.

Valuations by Vault: Our Thoughts on the Chase Sapphire Preferred’s Value 

Newsweek values Chase Sapphire Preferred points at 1.38 cents apiece when redeemed toward high-value transfer partner travel—which is higher than the rewards value of competitors like American Express Membership Rewards points (1.19 cents apiece) and Capital One Venture miles (1.21 cents apiece). Also remember that, when redeeming rewards for travel through Chase Travel, your Chase Sapphire Preferred points are worth 1.25 cents apiece.

Point valuations are based on a sampling of the face values of the most usable Chase Sapphire Preferred redemption options. We ignore low-value redemptions and redemptions requiring extensive knowledge of international airline programs.

Frequently Asked Questions

Do rewards on the chase sapphire preferred expire.

Your Chase Ultimate Rewards points will remain available for as long as your account is open and in good standing. If you close your account before redeeming your points, they will expire.

Is the Chase Sapphire Preferred Card Hard To Get?

Like most rewards cards, you’ll likely need at least good credit (or a FICO Score of 670 and higher) to be approved for the Chase Sapphire Preferred. This isn’t a firm rule set by Chase, but rather a rule of thumb.

What Is Chase’s 5/24 Rule?

If you’re perusing Chase credit cards, you should know about Chase’s 5/24 rule. While not confirmed by Chase, it’s known that Chase likely won’t approve a credit card application if you’ve opened five or more new credit card accounts with any issuer in the last 24 months.

When Will the Chase Sapphire Preferred’s Elevated Welcome Bonus End?

We don’t know exactly when the Chase Sapphire Preferred’s elevated welcome bonus will end. Chase typically doesn’t release this information until a few weeks or days before the welcome bonus receives an update. In the past, from what we’ve seen, elevated welcome bonuses on this card typically lasted a few months or less. If you’re eyeing the Chase Sapphire Preferred, it may be better to get it sooner rather than later.

The post Chase Sapphire Preferred® Card Review 2024 first appeared on Newsweek Vault .

This article may contain affiliate links that Microsoft and/or the publisher may receive a commission from if you buy a product or service through those links.

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How chase sapphire reserve's travel insurance made a family crisis a little easier, i hadn't thought about the policy that came with my card. now it's one of my favorite features..

In September 2023, my fiance and I were about to leave on a road trip to New Orleans for my birthday. We had been dreaming of this vacation for more than two years.

Then I got a text from my dad: My grandmother had fallen and broken her hip. She wasn't going to make it and was in hospice.

We unpacked the car and I canceled the vacation rental I had booked. The next few days were spent going back and forth to my grandmother's facility. One night shortly before she died, I was stewing over the whole situation: I was losing someone important and had to cancel my dream vacation . On top of that, I was out nearly $500. Because I canceled the rental after the deadline for a full refund, I was only eligible to get back $243 back of the $717 I paid for the house.

I write about insurance almost every day. But when planning my own trips, like most people, I never imagine anything will go wrong. I was mad at myself for not getting travel insurance .

Then I remembered something: My Chase Sapphire Reserve® , the card I used to book the reservation, came with a built-in travel insurance policy.

Chase Sapphire Reserve®

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 plus, 10X points on Lyft rides through March 2025

Welcome bonus

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

I love to travel and had been thinking about applying for the Chase Sapphire Reserve card for years: It has an annual $300 travel credit , airport lounge access and reimbursement for Global Entry or TSA PreCheck® — plus 10X points on hotels and 5X on flights booked through Chase Travel℠. I hesitated, though, because of the $550 annual fee . I finally pulled the trigger in early 2023. My fiance and I were planning several international trips and I figured out that we'd be spending enough on bookings to come out ahead.

I paid for a flight to Tokyo with the 60,000 points I earned from the welcome bonus offered at that time. (The welcome bonus is now up to 75,000 points after you spend $4,000 on purchases in the first three months of opening the card.)

Read more: Best credit cards for trip insurance

We used the travel credit toward a luxury hotel on a trip to Toronto and, thanks to the card's Priority Pass benefit, relaxed in the airport's Plaza Premium Lounge before our flight home. Plus, because the Chase Sapphire Reserve doesn't have foreign transaction fees, shopping in Canada didn't come with any unpleasant extra charges.

But I hadn't really looked into the credit card's travel insurance policy before. Turns out it includes:

• Trip cancellation insurance. Reimburses prepaid non-refundable expenses for trips canceled or cut short due to injury or illness, death in the family, severe weather and other extraordinary situations, up to $10,000 per person and $20,000 for the total trip. 
• Trip delay reimbursement. Refunds expenses relating to delays longer than six hours or requiring an overnight stay, up to $500 per ticket booked with the card. 
• Baggage delay insurance. Reimburses up to $100 per day for five days if your carrier misplaces your bags for more than six hours. 
• Lost luggage reimbursement. Luggage lost by the carrier is covered, up to $3,000 per passenger. 
• Emergency evacuation and transportation. Transport required for illness or injury is covered up to $100,000.
• Emergency medical and dental coverage. Covers up to $2,500 in medical expenses for incidents occurring more than 100 miles from home. 
• Rental car collision damage waiver. Reimburses up to $75,000 if your rental is stolen or in a collision. Kicks in before your auto policy, so you can avoid a premium increase.

Chase Sapphire's offerings are on par with a standalone policy you'd buy from a travel insurance company for about 3% to 5% of a trip's non-refundable expenses. Plus, bundling travel insurance with your card saves you the trouble of getting a new policy with every trip.

Reading the fine print, I couldn't find a reason why my policy with Chase wouldn't cover the balance of our New Orleans reservation. I gathered details of my original booking and refund from the home-share app, a note from a hospice nurse and a copy of my grandmother's death certificate.

Filing an insurance claim is never fun but the process with Chase was relatively painless — I completed the form and submitted my documentation entirely from my phone. Six weeks later, I received an email that my claim had been approved. The $474 was automatically deposited into my checking account, so there was no hassle with a paper check.

I never wanted to file that claim. I wish we had driven to New Orleans, come home, and shared our stories about our adventures with my grandmother. But, sometimes, life has other plans.

The experience convinced me that travel insurance is a must — and that I made the right decision with my Chase Sapphire Reserve card.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

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The Guide to Travel Accident Insurance

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When it comes time to hop on a plane, train or automobile, there’s one thing that can offer some peace of mind: travel insurance. But while lost luggage, delayed flights or interrupted plans may be top-of-mind concerns, coverage for unforeseen circumstances like travel-related accidents should also be considered.

Here’s a breakdown of what travel accident insurance is, what it covers and what to know when purchasing a policy for a vacation.

Keep in mind that specific policy coverage varies by provider, so it is wise to check the terms and conditions of each provider to understand what you’re covered for. Also, you may consider applying for a travel card that offers travel accident insurance benefits .

What is travel accident insurance?

Travel accident coverage is largely what it sounds like — a specific benefit of travel insurance that provides financial protection for accidents that happen while you’re traveling. But there are limitations and variations for not only what’s covered, but also what the term means depending on the plan you select.

Travel accident insurance coverage is sometimes called "Emergency accident coverage" or "Emergency medical coverage," depending on the plan. As well, travel accident insurance may include or be offered separately from accidental death and dismemberment coverage. Jump to learn more about definitions »

Via credit cards

Chase Sapphire cardholders, for example, receive accidental death or dismemberment coverage as part of their travel accident insurance policy. Coverage applies when the cardholder pays for their air, bus, train or cruise transportation with the card.

Via third-party plans

In contrast, most policies purchased from travel insurance providers cover you no matter when or where during your travels an accident strikes (so long as you’re within your originally selected travel dates and actively traveling, but more on that in a minute).

Other policies might offer accident coverage as an optional upgrade on top of a baseline policy.

» Learn more: The best travel credit cards right now

Travel accident coverage defined

Because this type of insurance can be presented in a variety of ways, it’s important to understand the differences and read your policy for clarification.

Travel accident insurance: This coverage is often an umbrella term that includes death and dismemberment and/or emergency medical coverage. But some policies don’t use the term at all, while others use it to describe death and dismemberment benefits exclusively. Still others lump the term “accidents” in with emergency medical.

Emergency medical: This term is typically used for just what it sounds like: any sort of emergency medical care required during your travels, accident-related or otherwise. This coverage will reimburse you for any emergency medical costs up to the policy limit.

Accidental death and dismemberment : This benefit is generally a set amount, not a cost-specific reimbursement-related coverage like with emergency medical. This means that if you die as a result of an accident during your travels or have a dismemberment or severe disability, you or your chosen beneficiary will receive the flat amount listed in your policy — usually 100% of the maximum benefit in the case of death and 50% in the case of a lost limb.

Exact verbiage may differ, which can impact the sort of coverage offered versus what you think you’re getting. So always read up on the details.

» Learn more: How to find the best travel insurance

What does accident travel insurance cover?

Specific coverage differs from one policy to another.

Generally, though, travel accident insurance or emergency accident coverage, especially when lumped in with death and dismemberment benefits, will cover any sort of loss of life or limb, whether that’s eyesight, a hand or a foot, or an accident that results in required emergency medical attention during your travels.

When it’s presented as emergency medical coverage, it may also reimburse you for expenses like doctor visits, hospitalizations, necessary medication, X-rays or ambulance fees.

What's generally not covered?

Not every injury from all types of accidents is covered by every travel insurance policy.

Adventure sports. Many policies don’t cover injuries that happen as a result of extreme sports or similar activities, so if you plan on bungee jumping, mountain biking or snowboarding, you may need to consider a plan that specifically covers adrenaline-based activities .

Additional care back home. You’re covered only for accidents that occur during your trip and for medical services rendered while you’re still traveling. If you seek additional medical care after you get home, it’s usually not covered by travel insurance.

Alcohol and drugs. As a general rule, travel accident insurance (and travel insurance more broadly) doesn't cover the consequences of being under the influence of alcohol or narcotics, especially above legal limits.

Cards with travel accident coverage

Many travel cards offer built-in travel accident coverage when you use them to book a trip.

Terms and coverage vary, so make sure you read the fine print, but here's a look at some popular cards and the insurance coverage they offer.

on Chase's website

on American Express' website

• Travel accident: Up to $500,000.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Travel accident: Up to $1 million.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

How to choose trip accident insurance

When planning for travel and choosing accident insurance, make sure to read policy information carefully, as with all travel insurance.

Ensure that you understand the differences in coverage, payout and limitation information between offerings like travel accident insurance, emergency medical coverage, and death and dismemberment benefits. Read detailed policy information before you buy to know what’s covered and what to do if the worst happens.

American Express insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

No annual fee: Bank of America® Travel Rewards credit 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

1x-10x 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.