does chase sapphire reserve card 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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC
• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

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

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

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

American Express Membership Rewards

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

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

Chase Sapphire Preferred ® Card

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

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

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

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

More ways to get the most from your rewards

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

Chase Sapphire Reserve ® Credit Card

  60,000 bonus points

  $1,000 one thousand dollars partnership value

  $300 travel credit

New cardmember offer

60,000 bonus points.

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

At a glance

Exceptional travel rewards and benefits.

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

Interest Rate

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

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

Travel Credit Card Rewards & Benefits

New cardmember offer.

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

$1,000 in additional partnership benefit value.

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

Travel Credit

$300 annual travel credit.

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

Earn Rewards

More ways to earn.

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

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

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

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

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

No Expiration

Complimentary airport lounge access.

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

application fee credit

Global entry or tsa precheck ® or nexus fee credit.

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

Explore Additional Benefits

1:1 point transfer opens drawer that reveals additional content, your points get you more.

Turn Points into Travel Experiences and So Much More

50% More in Travel Redemption

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

No Blackout Dates or Travel Restrictions

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

1:1 Point Transfer

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

Ultimate Rewards Points Do Not Expire

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

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

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

Premium travel benefits Opens drawer that reveals additional content

Elevate your travels from door to door $300 annual travel credit.

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

Complimentary Airport Lounge Access

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

The Edit SM

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

Reserved by Sapphire

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

24/7 access to Customer Service Specialists

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

Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits

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

Travel protection Opens drawer that reveals additional content

You're covered with built-in benefits

The most comprehensive suite of travel benefits

Auto Rental Collision Damage Waiver

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

Trip Cancellation/Interruption Insurance

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

Trip Delay Reimbursement

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

Travel Accident Insurance

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

Travel and Emergency Assistance Services

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

Lost Luggage Reimbursement

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

Baggage Delay Insurance

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

Emergency Evacuation and Transportation

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

Roadside Assistance

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

Emergency Medical and Dental Benefit

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

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

Partner benefits Opens drawer that reveals additional content

Earn more points.

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

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

DashPass subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2024. * Opens offer details overlay With DashPass you also get $5 in DoorDash credits each month, redeemed at checkout. * Opens offer details overlay

Instacart benefit

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+. * Opens offer details overlay Plus, Instacart+ members earn up to $15 in statement credits each month through July 2024. Membership auto-renews. * Opens offer details overlay

Purchase coverage Opens drawer that reveals additional content

Purchase protection.

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

Return Protection

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

Chip-enabled for enhanced security

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

24/7 Fraud Monitoring

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

Zero liability protection

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

Extended warranty protection

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

Chase Pay Over Time SM Opens drawer that reveals additional content

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

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

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

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

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

Spend Instantly Opens drawer that reveals additional content

Apply for a card, use it the same day.

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

Cardmember Reviews

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

Submitted by: garry

Amazing Travel Card

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

Submitted by: Military Family

Awesome Travel Credit Card

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

Submitted by: Road Warrier

Curious about the Chase Sapphire Reserve ® credit card?

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

See All Reviews . Opens overlay containing additional reviews.

Refer Friends if you already have a Chase Sapphire ® Credit Card!

Click the button below to start referring.

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

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

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

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

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

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

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

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

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 Reserve 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 .

Earn $5 monthly DoorDash/Caviar Credits through 12/31/2024: Get $5 in DoorDash/Caviar credits each calendar month while enrolled in DashPass through 12/31/2024. When applied to an order, the $5 credit will apply only to the subtotal of your DoorDash or Caviar order at checkout. The credit does not apply to fees, taxes, or tip and gift card purchases are excluded. You or up to 7 authorized users must be enrolled in DashPass and use your Chase Sapphire Reserve or J.P. Morgan Reserve card for payment at checkout to receive the credit. Once you spend the issued credits on one platform (e.g., DoorDash), it will be automatically deducted from your balance on the other (e.g., Caviar). Any monthly credit issued before you create an account on the other platform will only be available on the original platform for that month. Once you have accounts opened on both platforms, any credits issued will be available for onetime use on either DoorDash or Caviar. Your credit balance may be different on each platform, but your credit usage will still be linked from that point on. If a credit is not used within the calendar month, it will be carried over for a maximum of 2 months. Up to $15 in credit can be accrued before a $5 credit expires. DoorDash credits have no cash value and are non-transferable. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Credit card product changes during the promotional period will forfeit this offer. Additional DoorDash promotional terms and conditions available at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US . 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 12 months (for Chase Sapphire Reserve and J.P. Morgan Reserve 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 month (for Chase Sapphire Reserve and J.P. Morgan Reserve 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. 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 Reserve 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 month 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 month ends, the cost of the Instacart purchase will be allocated towards the next calendar month'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.

The Edit: The Edit program benefits are available exclusively on select Chase credit cards. To receive benefits, reservations must be made for "The Edit" properties through Chase Travel. Benefits are per room and based on double occupancy. Benefits may be subject to availability at check-in and are not redeemable for cash. Benefits may not be combined with other offers, including tour operator or wholesaler rates and packages. Complimentary Wi-Fi benefit provided, with the exception of locations where Wi-Fi is already complimentary or not available. Program benefits and participating properties may change without notice. Visit theeditbychase.com to learn more, other terms may apply.

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

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

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

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

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

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

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

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

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

$300 Travel Credit

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

Reserve Partner Value Modal

Lyft Pink Membership

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

DoorDash 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

10x on Peloton Purchases

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

DoorDash Dashpass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar —a value of $120 for 12 months - which unlocks $0 delivery 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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How does travel insurance work on a credit card.

Credit card travel insurance protects you from some unforeseen circumstances that may disrupt your travel plans. If your credit card includes travel insurance, you may be reimbursed if your travel is affected by weather, health issues or certain kinds of emergencies outside your control.

Typically, credit card travel insurance only covers the expenses that you charge to that specific card. And because different cards have different travel insurance policies, it's important to read the fine print in your card's terms and conditions to understand your coverage levels.

What is travel insurance?

Travel insurance provides protection for expenses associated with travel, both domestic and international. Travel insurance may reimburse you if your trip gets cancelled, delayed or interrupted--or if you have to pay medical costs that your primary health insurance can't cover.

Travel insurance benefits can be broken down into a few different categories:

• Trip cancellation insurance may reimburse you if your pre-booked, non-refundable flight (that was booked with the same credit card) is cancelled under unforeseen circumstances, such as injury or if your flight is cancelled due to weather conditions or other.
• Your credit card's trip cancellation insurance may reimburse you for prepaid flights and hotel stays booked with your credit card. 
• Trip interruption insurance (for trips that end earlier than planned) may cover expenses like the cost of a last-minute flight home. In most cases, only the part of your trip that was interrupted will be eligible for reimbursement.
• Travel delay insurance may reimburse expenses, such as a hotel stay, that arise from severe delays.
• Medical insurance works like a supplement to your existing health insurance, which may not cover medical costs that you incur abroad. Evacuation insurance covers the costs associated with an evacuation following a weather event or other disruption.
• Baggage insurance is supplemental to coverage provided by your airline or via your homeowners or renters insurance policy. Baggage coverage may reimburse you for the actual or replacement cost of your possessions, should they go missing as you travel.

What are the benefits of credit card travel insurance?

Many airlines and tour operators offer travel insurance as an add-on at point of purchase. Credit card travel insurance, on the other hand, is a feature offered on certain credit cards.

Credit card travel insurance provides the following benefits:

• Financial protection : Comprehensive credit card travel insurance can provide full coverage should a covered event--such as severe weather, a medical emergency affecting you or a loved one, or loss of employment--occur. In many cases, travel insurance may require you to pay any expenses out of pocket, then file a claim later for reimbursement.
• Evacuation assistance : If your credit card travel insurance includes evacuation coverage, you can get help securing transport when a covered event (like weather or a political incident) disrupts your travels. Depending on the coverage provided by your credit card travel insurance plan, even emergency medical evacuations such as those on a private jet-may be covered.
• Supplemental medical coverage : Many health insurance plans don't cover medical costs incurred outside the country. Even those that do are likely to charge a deductible. Credit card travel insurance that includes medical coverage may pay for some medical costs, including your primary plan's deductible.
• Peace of mind : Having credit card travel insurance can give you the confidence to make bold travel plans--or jet somewhere sunny in the dead of winter. A major storm might snarl your vacation plans, but with travel insurance you may get fully reimbursed.

What questions should I ask about credit card travel insurance?

Credit card travel insurance provides many benefits, but be sure to understand what coverage your card provides before you book a trip. Do your research and ask questions to maximize the value of your credit card's travel insurance program:

• What coverage levels does my card offer? Get a copy of your card's full terms and conditions to learn exactly what kinds of travel coverage are included.
• Are my family members covered by my credit card travel insurance? Travel insurance typically covers events that affect your immediate family: for example, if your child gets sick before you embark on a flight. Your more distant relatives--and pets--may not be covered, however.
• What specific events are covered? Understanding the events that can trigger a claim is crucial to getting the most out of travel insurance. For instance, involuntary unemployment may qualify you for cancellation protection--but leaving your job voluntarily may not.

Relying on credit card travel insurance

Credit card travel insurance can offer financial protection and peace of mind when you travel. Take the time to understand how your card's travel insurance works-and be aware that only expenses charged to your card are likely to be covered.

Chase Sapphire is an official partner of the PGA Championship .

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There is one lounge in the San Diego airport that is in the Priority Pass network, plus two spa locations and a restaurant.

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Credit cards > Reviews

Chase Sapphire Reserve review 2024: A premium travel card that understands the assignment

Robin Saks Frankel

Julie Sherrier

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

Megan Horner

Updated 2:58 a.m. UTC June 5, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

The Chase Sapphire Reserve® is the travel card you get when you’re ready for the big leagues. Maybe you’ve dabbled in a no-annual fee travel card or own a low-cost airline card for the free checked bag perk. But in our Chase Sapphire Reserve review, we’ll explain why this $550-annual-fee card is worth the price tag when you’re ready to experience the elite benefits of a premium travel card .

Editor’s note: This article contains updated information from a previously published story .

Chase Sapphire Reserve basics

• Annual fee: $550.
• Welcome bonus: 60,000 points after spending $4,000 on purchases in the first three months of account opening.
• Rewards: 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Travel℠ after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
• APR: 22.49% to 29.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.
• Recommended credit score: Excellent.
• Does the card offer preapproval ? No.
• Other benefits: An up to $300 travel credit, flexible rewards, Global Entry/TSA Precheck application fee reimbursement, Priority Pass Select membership (enrollment required), primary auto rental insurance coverage and a slew of travel and purchase protections and insurances.

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Chase Sapphire Reserve®

Welcome bonus.

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

Regular APR

Credit score.

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

Editor’s take

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

Card details

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

Chase Sapphire Reserve review

If this is your travel era, the Chase Sapphire Reserve should be along for the ride. The card offers just about everything you want in a premium travel card, without requiring you to be a points and miles wizard to get the most out of your rewards.

There are two key attributes any good travel card should have: An easy way to earn rewards and an easy way to “burn” them when you want to use them. The Chase Sapphire Reserve nails it on both. The card earns highly competitive rewards of 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Travel℠ after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases. That’s as good as any premium travel card on the market.

Plus, Chase Ultimate Rewards® points are easy to redeem. You can redeem them for cash at a penny per point, use them to book travel through the Chase Travel℠ portal at a 50% increase in value so each point is worth 1.5 cents or transfer them to one of Chase’s more than a dozen travel transfer partners. This makes the card ideal for both rewards-wrangling newbies who find it easiest to book travel through Chase and more experienced points-and-miles pros who are comfortable navigating the intricacies of travel loyalty partnerships. 

The card also comes with the coveted airport lounge access that’s a major perk of cards at this price point. The Sapphire Reserve comes with both Priority Pass Select access (upon enrollment) and access to the growing network of Sapphire lounges.

You’ll also get an annual $300 travel credit, which is easy to use given that Chase’s definition of travel includes everything from flights to hotels to tolls and parking garages and more, a slew of valuable travel protections and insurances like primary auto rental coverage and trip cancellation coverage. Ultimately, this card offers everything you’d want in a premium travel card, without the hassle of multiple rebates, credits or caveats to justify the annual fee. 

What makes the Chase Sapphire Reserve shine? It’s all about the benefits

• The $300 annual travel credit is easy to use. Whether you’re taking flight or driving on the highway, The Sapphire Reserve’s definition of travel is expansive and so are the ways to use up that $300, which is automatically applied as a statement credit.
• You can make your rewards even more valuable . There are two ways to do so: The Sapphire Reserve allows you to redeem your rewards at a 50% increase in value for travel booked through Chase. Or you can transfer your rewards to one of Chase’s travel transfer partners. More on that later.
• The travel insurances and protections are stellar. No one wants to plan a trip thinking something may go wrong, but it’s nice to know that if you paid for your travel with the card, you’re covered for a variety of situations.
• It’s pricey . Even though it comes with perks that can make the card well worth the $550 fee, that’s still a big number to wrap your head around.
• Excellent credit is required . This is a card that’s aimed at those who have strong credit profiles.  
• It’s expensive to carry a balance . Like most premium credit cards, the APR range on the Sapphire Reserve is higher than average. This card is not a great choice if your main goal is to finance a big travel purchase over time or if you tend to carry a balance. 

Chase Sapphire Reserve rewards

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has around $25,087 in annual expenses that can be charged to a credit card. Here’s how our sample household’s rewards could break down:

In this example, our sample cardholder earns a grand total of 43,903 in rewards annually, worth $439.03 as cash back or $658.55 when used to book travel through Chase. The value will vary when transferring points to travel partners depending on the specific redemption. Keep in mind that someone who books airfare or prepaid hotels through Chase, books Chase Dining or takes Lyfts regularly is likely to earn an even greater haul.

And here’s what you can do with those rewards: 

• Redeem for a cash-back statement credit or a deposit to an eligible bank account. A point is worth a penny each when redeemed this way.
• Redeem for a gift card. A point is also worth a penny each when redeemed for gift cards.
• Pay with points for products or merchandise. The value of your rewards will fluctuate greatly if you choose to do this. The pay with points option through Amazon, for example, only gives you a value of 0.8 cents per point. 
• Redeem for travel booked through Chase. A point is worth 1.5 cents when redeemed for travel, allowing you to stretch the value of your rewards.
• Combine your rewards from other Ultimate Rewards-earning cards. If you hold any other personal or business cards that earn Ultimate Rewards, or someone in your household does, you can pool them together for a bigger stash and take advantage of the perks on your Sapphire Reserve.
• Transfer points in 1,000 point increments to one of Chase’s travel loyalty transfer partners. This can often yield some of the best values for your points, which we’ll explain below. Chase has 11 airline partners, including JetBlue, Southwest and United domestically and its three hotel partners are Marriott Bonvoy, IHG Rewards Club and World of Hyatt. Nearly all of them transfer at a 1:1 ratio.

The perks of travel transfer partners and the Reserve’s 50% bonus

You may see reviews or credit card-related articles that give high praise to cards that allow you to transfer your rewards to an issuer’s travel transfer partners. So why is this a big deal? Transferring your rewards to a partner for a particular flight will often require spending far fewer miles than if you booked the flight directly through the card issuer. Here’s how it works.

Let’s say you want to book a one-way ticket the day before Thanksgiving from Los Angeles to Chicago and the cash price for an economy ticket on United Airlines is $344.10. 

Typically, when you book through the card issuer, you’ll need to redeem an equivalent number of points to cover the cash value of the ticket. So in most cases, you’d need 34,410 points to cover the ticket booking this way. But transferring points directly to a frequent flyer program will often cost less points, since the number of miles required to book a flight isn’t necessarily an exact match for the cash price.

You’d need 34,000 United miles plus $5.60 in taxes and fees to book that same flight, so you’d be saving 410 miles by transferring your rewards at a 1:1 ratio to United’s MileagePlus program. That may not seem like a lot, but the savings can be even greater depending on the number of tickets you’re trying to book, the exact flight and the seat class.

Here’s where the 50% increase in points value on the Chase Sapphire Reserve changes the math considerably. Unlike many travel cards where a point is worth a penny when used to book travel, booking through Chase Travel makes a point worth 1.5 cents. That means for that $344 cash flight you’ll need just 22,934 points (22,934 x 1.5 cents = $344.01), compared to the 34,410 points you’d need to book the flight with some of Chase’s other cards or the 34,000 points you’d need to transfer miles to United.

But wait, there’s a catch

Squeezing the most value out of your points is almost always a good thing, but there’s one potential downside to booking travel through the Chase Travel site. Although you’ll likely save a pile of points if you have the Sapphire Reserve card, bookings made this way are considered to be third-party bookings. 

This means if your flight is delayed or canceled, you’ll have to deal with Chase to find a resolution. Additionally, if you need to cancel or change your flight, many airlines will let you waive the change fees or just redeposit the miles back into your account when you book directly with them. Booking through Chase means you may not get the points refunded to you and your tickets may also have an expiration date to be rebooked or you’ll forfeit them. 

How the Chase Sapphire Reserve compares to other travel cards 

The Chase Sapphire Reserve is one of the best travel rewards cards available. But it helps to see how it compares to other popular travel credit cards so you can make the best choice for your particular needs.

Chase Sapphire Reserve vs. Chase Sapphire Preferred® Card

It’s natural to compare the Sapphire Reserve to its $95-annual-fee sibling, the Sapphire Preferred card . Both cards earn elevated rewards on travel and dining, including extra rewards on travel booked through Chase. The Sapphire Preferred 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. That difference in “all other travel” may not mean much to you if you prefer to book your travel through Chase for the extra rewards.

But what the Sapphire Preferred doesn’t have is the Priority Pass or Sapphire lounge access, the $300 annual travel credit, the Global Entry/TSA PreCheck application fee credit and more substantial travel and purchase protections. Is that worth an extra $455 in annual fees a year to you?

Chase Sapphire Reserve vs. The Platinum Card® from American Express

The Amex Platinum and “luxury travel card” are practically synonymous. For a $695 annual fee (terms apply, rates & fees ), the card offers some of the most widespread and exclusive airport lounge access you’ll find. In addition to the Priority Pass Lounges (enrollment required), you’ll get entry to The Centurion® Lounge and Escape Lounges, Delta Sky Club and the Lufthansa Lounge when flying their respective airlines that day.

It also offers a robust list of potential annual statement credits that could be worth more than the annual fee, including an up to $200 airline incidental fee statement credit, an up to $240 digital entertainment statement credit, a $155 Walmart+ statement credit (up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month), up to $200 in Uber Cash (disbursed in monthly increments; card must be added to Uber account to receive this benefit), an up to $189 CLEAR ® Plus statement credit and more. Enrollment is required for select benefits. Not to be overlooked is the fact that American Express offers a lengthy list of travel transfer partners.

However, compared to the Chase Sapphire Reserve , it falls short in several areas. Unlike the simple and automatic $300 annual travel credit with the Sapphire Reserve, the Amex Platinum’s potential statement credits require more effort to utilize. The Amex Platinum’s earn rate is 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases — making it less rewarding than the Sapphire Reserve. The travel protections and insurances aren’t as comprehensive, either. Plus, taking your rewards as a cash-back statement credit is worth just 0.6 cents per point.

For most people, the decision between the two comes down to how and where you travel. If you value the extra lounge access, the longer list of airline transfer partners and/or the potential statement credits, the Amex Platinum may be a better fit.

Chase Sapphire Reserve vs. Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Venture X Rewards card has a lot in common with the Sapphire Reserve , but the difference is in the details. The Venture X has a lower annual fee of $395 and has an even simpler rewards structure of 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel. Like the Sapphire Reserve, you’ll earn the most miles booking through the issuer, but you’ll run the same risk of booking through any third-party booking platform.

The Venture X also comes with a $300 travel credit, but you’ll have to book through Capital One Travel to use it. Similar to the Sapphire Reserve, the card grants access to the Capital One lounge network and Priority Pass (enrollment required) and Plaza Premium airport lounges. A big advantage this card has over the Sapphire Reserve for those who travel in parties of four or more is that authorized user cards are free and authorized users are each entitled to their own Priority Pass Select membership. Authorized users on the Sapphire Reserve cost $75 each annually.

Other important perks include an anniversary bonus of 10,000 miles (equal to $100 towards travel) every year, an up to $100 Global Entry or TSA Precheck application fee credit and cellphone protection.¹ The Venture X also allows you to transfer your rewards to 16 airline and two hotel partners, most at a 1:1 ratio. Or, you can redeem rewards towards travel purchases made within the previous 90 days at a value of a penny per point. Be aware that if you’re redeeming rewards for anything other than travel, your rewards will only be worth 0.6 cents per point.

Ultimately, the Venture X is better than the Sapphire Reserve for those who like to book travel through the issuer or prefer Capital One’s travel transfer partners over Chase’s.

Is the Chase Sapphire Reserve worth it?

Whether or not the Chase Sapphire Reserve is worth it for you will come down to how much you’ll use the perks. If you can easily use up the annual $300 travel credit, fly a few times a year and can take advantage of the Priority Pass (enrollment required) or Sapphire lounge access (or the airport restaurant credits) — then you’re likely to get your money’s worth out of the card.

The Chase Sapphire Reserve is right for you if:

• You want a premium travel card with lounge access and other perks to make travel more comfortable.
• You want your rewards to go the extra mile either by booking through the issuer or transferring points to travel partners.
• You have other Chase Ultimate Rewards-earning cards and you can pool all the points together for one big stash.

Wondering how to get the most out of the Ultimate Rewards travel site? Here’s everything you need to know

Frequently asked questions (FAQs)

The Chase Sapphire Reserve could be a good option if you’re looking for a premium rewards card and can afford the $550 annual fee. The card offers many benefits, including $300 in annual travel credits and complimentary airport lounge access. It’s also part of a flexible rewards program, which may be easier to use than some co-branded rewards cards.

Credit card issuers don’t necessarily have a minimum income requirement for their credit cards. However, they need to make sure cardholders have enough assets or income to afford their minimum monthly payment, and the Chase Sapphire Reserve has a minimum $10,000 limit.

Chase can review many of your outstanding credit cards and loans from your credit report, and it may ask about your monthly housing costs and income when you apply. If your income isn’t high enough to cover your household bills, other minimum payments and a new minimum payment on a $10,000 balance, Chase may decline your Chase Sapphire Reserve application.

The Chase Sapphire Reserve is a premium travel card, and it may be difficult to get if you don’t have a good credit score or high income. Even if your credit and finances are in great shape, you might not get approved if you’ve opened five or more credit cards (from any card issuer) in the last 24 months because of Chase’s 5/24 rule .

The 48-month rule applies to both the Chase Sapphire Preferred and the Chase Sapphire Reserve. It’s a Chase policy that states you won’t be able to receive a new cardmember bonus for either Sapphire card if you received a welcome bonus for either Sapphire card in the previous 48 months.

Chase currently has 11 airline transfer partners. You can transfer your Ultimate Rewards points to these loyalty programs on a 1:1 basis:

• 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

Additionally, you can use the 1:1 point transfer feature to move points to the IHG Rewards Club, Marriott Bonvoy, and World of Hyatt hotel loyalty programs.

For rates and fees for The Platinum Card® from American Express please visit this page .

¹For 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.

*The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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.

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.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Megan Horner is editorial director at USA TODAY Blueprint. She has over 10 years of experience in online publishing, mostly focused on credit cards and banking. Previously, she was the head of publishing at Finder.com where she led the team to publish personal finance content on credit cards, banking, loans, mortgages and more. Prior to that, she was an editor at Credit Karma. Megan has been featured in CreditCards.com, American Banker, Lifehacker and news broadcasts across the country. She has a bachelor’s degree in English and editing.

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Why i'm keeping my chase sapphire reserve card, i'm keeping my chase sapphire reserve® for its impressive travel benefits and pairing possibilities..

Some offers mentioned below are no longer available.

I've been obsessed with travel since I got my first passport in high school. Over the years, I've used lots of credit cards to fund my trips, from airline cards to cash-back cards .

I've wanted the Chase Sapphire Reserve® since its debut in 2016. With comprehensive travel insurance, an annual $300 travel credit and free room upgrades at luxury hotels, it's ranked one of CNBC Select's top travel cards . But it also comes with a hefty $550 annual fee.

I took the plunge early last year: My fiance and I were taking a lot of trips and we calculated that we'd get enough from the card's travel perks to offset the fee.

We were wrong, though: It's more than paid for itself several times over.

That was in the first year, though, when I received the welcome bonus. Here's why I'm keeping the Chase Sapphire Reserve card for another year — and why it's the only card I'll pay an annual fee for.

Chase Ultimate Rewards® points

My Chase Sapphire Reserve came with a welcome bonus of 60,000 Chase Ultimate Rewards points after I spent $4,000 on purchases in the first three months of opening the account. That's $900 I used for hotels and airfare through Chase Travel℠ — or nearly twice the $550 fee I paid.

And for a limited time, the welcome bonus has been increased to 75,000 points after you spend $4,000 on purchases in the first 3 months from account opening, making it worth $1,125 toward travel when redeemed through Chase Travel℠.

While that welcome bonus is just for the first year, I'll still earn points from the card I can put toward more adventures. Chase Ultimate Rewards points can also be applied toward numerous airline and hotel loyalty programs with a 1:1 ratio, including: 

• Aer Lingus   
• Air Canada  
• Air France-KLM
• British Airways  
• Singapore  
• Southwest  
• Virgin Atlantic  
• InterContinental Hotels Group 

TSA PreCheck and Global Entry credit

I've saved a few minutes at my home airport with TSA PreCheck , but Global Entry has really come in handy over the years. It enabled me to skip an hours-long line at Chicago O'Hare coming back from Toronto and make a tight connection after a girls' trip to Mexico. It also spared me an eternity at customs and immigration after a 13-hour flight from Taiwan to San Francisco.

My Chase Sapphire Reserve gives me a $100 application fee credit for TSA PreCheck and Global Entry every four years. I need to renew both before 2025, so that's a savings I'll be able to enjoy this year.

Priority Pass lounge access

I like to play a game at the airport where I see how little I can spend. We try to pack snacks from home and pick up lunch before leaving our destination, but it's not always easy. 

That's why I love the lounge access included with my Chase Sapphire Reserve. I get a free Priority Pass™ membership, which allows unlimited entry to more than 1,300 airport lounges worldwide. You can bring up to two guests for free, so I don't have to leave my fiance behind.

Without my Chase Sapphire Reserve, it would cost me about $469 a year for Priority Pass lounge access, plus $35 a guest per visit. The lounges I've visited offer hot meals, snacks, drinks and a comfy place to relax. Some lounges even have showers and the option to rent a room if we have time to catch a nap. 

Priority Pass lounges aren't the only place I can kick back, either: Chase has started its own Sapphire Lounges network and we're excited to check them out in Boston and New York City, where my fiance has family. Without a Sapphire Reserve card, entry into these elite lounges costs $100 per visit. A standalone Priority Pass membership only gets you one complimentary Sapphire Lounge visit a year. After that, it's $75 a pop. (The only exception is Hong Kong, where Priority Pass members enjoy unlimited access to the Sapphire Lounge.)

Granted, lounge access doesn't directly offset Chase Sapphire's $550 annual fee, but in a world of $20 plastic-wrapped sandwiches and $7 coffees, it saves us money in other ways. And the relaxed state of mind it puts us in is priceless.   

The $300 travel credit

Each year when you renew the Chase Sapphire Reserve card, you get a $300 annual travel credit that's automatically applied to travel expenses. 

My fiance and I travel a lot so that credit offsets a good chunk of the $550 annual fee. Last year, we used it to book a luxury hotel room in Toronto. In 2024, it's covering flights to friends' weddings and family gatherings.

While the credit can be put toward airfare and hotel rooms, it can also cover:

• Taxis and car services
• Car rentals
• Train tickets
• Campgrounds
• Bus tickets
• Travel agency services

You'd be surprised how quickly you can rack up $300 in just parking and tolls. 

I'm also not charged foreign transaction fees with my Chase Sapphire Reserve, which helped keep costs down when we were in Canada and Asia. We have enough international travel planned that this will continue to be a valuable perk.

It comes with travel insurance

I had to cancel a big road trip In September 2023 because of a family emergency . I foolishly hadn’t bought a travel insurance policy when I made reservations for the house we rented and thought I was out nearly $500,

Then I remembered my Chase Sapphire Reserve comes with travel insurance . I was able to file a claim easily and got reimbursed.   The policy includes coverage for trip delays and cancellations, lost baggage, emergency medical care and even damage to your rental car. It’s on par with offerings from many top travel insurance companies , which typically cost between 3% and 5% of your trip's non-refundable expenses. As an example, it would have cost about $300 just to insure our flight between Japan and Taiwan last year.

I’ve considered getting an annual travel insurance plan to cover all of our trips, but that would cost about $1,000 for both my partner and me, according to several top carriers I’ve quoted. That’s double the Chase Sapphire Reserve’s annual fee. 

Getting coverage through my card means I don’t ever have to think about travel insurance: All the non-refundable trip expenses I pay for with it are automatically covered.  That doesn’t just save me money, it saves me time and mental energy.

I can transfer Ultimate Rewards points between cards

Last winter, we decided to renovate our bathroom and looked for a 0% intro APR card to give us more time to pay off the cost.

We settled on Chase Freedom Unlimited® , which comes with 0% APR for the first 15 months from account opening on purchases and balance transfers. ( After that, it has a variable APR of 20.49% to 29.24%.)

Chase Freedom Unlimited®

Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Welcome bonus

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

0% for the first 15 months from account opening on purchases and balance transfers

Regular APR

20.49% - 29.24% variable

Balance transfer fee

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

Credit needed.

Excellent/Good

Member FDIC. Terms apply.

Read our Chase Freedom Unlimited® review.

That gives us enough breathing room to pay for the new bathroom and still clear the balance before our 15-month introductory period ends.

Having a Chase Sapphire Reserve makes the deal sweeter, though, because we can transfer points between the two cards: For an upcoming trip to Southeast Asia, I'm transferring points from my Chase Freedom Unlimited to the Sapphire Reserve card to use in the Chase Travel ℠ portal. That will make them worth 1.5 cents per point, rather than the 1 cent I'd get from Chase Freedom.

It's great for wedding and honeymoon expenses

Since my partner and I got engaged in March, we've been shocked at how expensive weddings are. In 2023, the average cost of a wedding in Ohio was about $30,000, according to The Knot . We hope to come in well below that, but we'll still be on the hook for a lot . 

We hope to use the Chase Sapphire Reserve to pay for hotel rooms for guests and catering from some of Cincinnati's great local restaurants. The card earns 3x points on travel expenses and dining and 10x points on hotels and car rentals made through Chase Travel after the $300 annual travel credit is used. (Through March 2025, cardholders also get 10x points on Lyft, 5x points on flights and 10x points on Chase Dining purchases.). 

Other categories earn 1 point for every dollar, so we'll also get a boost on things like invitations and dress alterations.

When we decide where we want to spend our honeymoon, we'll use the Chase Ultimate Rewards portal to book it: I have my eye on several places in the Luxury Hotel and Resort Collection, which come with complimentary upgrades like late checkout, wifi and room upgrades.

Many people open a new credit card for wedding expenses , but we're sticking to the card we have.

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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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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Chase Sapphire Preferred Card benefits guide

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Key takeaways

• The Chase Sapphire Preferred® Card rewards structure makes it one of the most generous travel credit cards on the market today, especially when you consider its $95 annual fee.
• The card’s lucrative sign-up bonus only adds to the allure for cardholders who are interested in a top travel rewards card.
• Other perks, like a hotel credit, trip insurance and no foreign transaction fees, also make it worth consideration.

The Chase Sapphire Preferred® Card is easily one of the top travel credit cards on the market today thanks to its generous rewards structure, first-year welcome bonus and wealth of perks. This Chase credit card comes with a limited time sign-up bonus of 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. And in terms of ongoing rewards, cardholders earn 5X points on travel purchased through Chase Ultimate Rewards and Lyft Rides (Lyft offer through March 2025); 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs); 2X points on general travel; and 1X points on everything else

With the Chase Sapphire Preferred, you have the option to redeem your rewards for cash back, statement credits, merchandise and gift cards. You can also redeem rewards for travel through the Chase Ultimate Rewards portal and receive 25 percent more value from your points when you do. In addition, this card lets you transfer points to popular Chase airline and hotel partners like United MileagePlus, Southwest Rapid Rewards and Marriott Bonvoy at a 1:1 ratio.

Chase Sapphire Preferred annual benefits

$50 hotel credit.

As a cardholder, you’ll receive $50 in statement credits each year for hotel stays purchased through Chase Ultimate Rewards. This means you can book a hotel with cash through the portal, pay the cost with your Chase Sapphire Preferred and automatically see $50 statement credit hit your account within a billing cycle or two.

10% anniversary point bonus

Each account anniversary, cardmembers will automatically earn bonus points equal to 10 percent of the total spent from the previous year. If you spend $30,000 on your card during a single year, for example, your anniversary point bonus would equal 3,000 points.

Chase Sapphire Preferred travel benefits

No foreign transaction fees.

You won’t be charged foreign transaction fees on purchases made in a foreign currency whether you’re traveling abroad or simply shopping online with a non-U.S.-based merchant. This is a standard benefit among top travel credit cards, it’s still worth noting particularly if you frequently travel abroad.

Auto rental collision damage waiver

This card offers primary auto rental coverage good for up to the actual cash value of a vehicle for most rental cars within the U.S. and abroad. This means you can decline the rental car coverage you’re offered through a car rental agent and depend this protection instead.

Trip cancellation and interruption insurance

If your trip is canceled or interrupted for covered reasons beyond your control, trip cancellation and interruption insurance can reimburse you in amounts up to $10,000 per person and up to $20,000 per trip.

The cardholder and immediate family members are covered by this perk, and the cardholder doesn’t even have to be traveling in order to use this coverage. However, you do have to pay for your travel expenses with your Chase Sapphire Preferred card to qualify for this benefit.

Baggage delay insurance

It’s never fun to arrive at a destination without your luggage, leaving you with no choice but to purchase clothing, toiletries and other essential supplies. The baggage delay insurance this card offers reimburses you up to $100 per day for up to five days when a baggage delay of at least six hours occurs.

You must pay for your travel expenses with a common carrier using your Chase Sapphire Preferred card for this coverage to apply.

Trip delay reimbursement

If your trip is delayed for a covered reason that’s beyond your control, such as your flight being delayed once you’re already at the airport, you can qualify for coverage for unreimbursed expenses in amounts up to $500 per ticket. The delay must be for more than 12 hours or require an overnight stay. Note, this reimbursement is mostly intended for meals and lodging.

Like other Chase Sapphire benefits, you have to pay for travel expenses with a common carrier using your card for this coverage to apply.

Lost luggage reimbursement

This coverage is worth up to $3,000 per covered person for each trip, with a $500 sublimit for jewelry and watches and another $500 sublimit for cameras and electronic equipment. It can apply when your checked or carry-on luggage is lost or stolen while in the care of a common carrier.

Coverage results in reimbursement of actual cash value of luggage and belongings (replacement cost less depreciation), and the cardholder and their immediate family members qualify. The primary cardholder must pay for at least part of the travel expense with a common carrier for coverage to apply.

Roadside dispatch

Cardholders can call into a roadside dispatch hotline 24 hours a day for help with flat tires, fuel delivery, lockout services and more. Note that the dispatch number is free to call, but that cardholders must pay for services received.

Travel and emergency assistance services

Cardholders can request travel and emergency assistance when they’re on the road, which can help with medical and legal referrals, cash advances, transportation assistance and other services. Cardholders can call into the hotline to arrange services for free, but the cost of services must be paid separately.

Travel accident insurance

Cardholders also qualify for travel accident insurance that applies if they lose their life, speech, hearing, limb and certain other losses. The value of this coverage is typically $500,000 for travel with a common carrier, although the benefit for 24-hour travel accident insurance is only $100,000.

Additional Chase Sapphire Preferred benefits

Complimentary dashpass subscription.

Sapphire Preferred cardholders get complimentary access to DoorDash DashPass, which means no delivery fees and lower service fees on eligible orders for a minimum of one year, when you activate by Dec. 31, 2024.

Instacart benefits

Cardholders get six months of complimentary Instacart+ membership (activation required). Instacart+ members also get up to $15 in monthly statement credits through July 2024.

Purchase protection

The Sapphire Preferred comes with purchase protection against damage or theft that can reimburse you when a covered item you purchased needs repair or replacement within the defined coverage timeline of 120 days. This coverage caps out at $500 per claim and $50,000 per account.

Note that this protection is good for items purchased by the cardholder and for items purchased by the cardholder but gifted to someone else.

Extended warranties

Finally, don’t forget about the Chase Sapphire Preferred’s extended warranty protection, which adds another year to the U.S. manufacturer’s warranty on eligible warranties of three years or less. This coverage is good for items that come with a standard manufacturer’s warranty to begin with, and you must pay for the item using your credit card for the extended warranty to apply.

The warranty amount is good for up to $10,000 in coverage per claim and up to $50,000 per account.

How to maximize the Chase Sapphire Preferred Card’s benefits

The Chase Sapphire Preferred has a lot going for it already, yet there are numerous ways to squeeze more value from the card over the course of a year. Consider the following tips to earn more rewards and get more perks with this card.

• Book travel through the Chase Ultimate Rewards portal . Booking paid travel through the Chase portal with this card will net you 5X points for each dollar you spend. You can also take advantage of the $50 hotel credit this card offers for bookings through the portal. If you decide to use your rewards to book travel through Chase, you’ll get 25 percent more value for each point you redeem.
• Take advantage of transfer partners . Look into Chase airline and hotel partners, which include popular programs like British Airways, Southwest Rapid Rewards, United Mileage Plus, Marriott Bonvoy, World of Hyatt and more. Our Bankrate point valuations show that Chase points can increase in value when they’re transferred to partners and used for a premium travel redemption.
• Utilize Chase offers . Chase Offers is a program that’s similar to Amex Offers for American Express cards. Chase Sapphire Preferred cardholders can add Chase Offers to their cards before making an eligible purchase and earn various amounts of cash back when they meet the offer terms.
• Use the card to pay for travel . When you pay for travel with your credit card, your rewards points or a combination of the two, you automatically qualify for a range of included travel protections. The main Chase Sapphire Preferred benefits you can use in this realm include trip cancellation and interruption insurance, baggage delay insurance, trip delay coverage and lost luggage reimbursement.
• Use the rental car insurance . Finally, remember to use the auto rental coverage this card offers because it’s true “primary coverage.” This means you can use it in place of your own insurance coverage if you need to file a claim.

The bottom line

It’s easy to see why the Chase Sapphire Preferred is considered one of the best travel credit cards . If you’re interested in a rewards card that offers plenty of valuable benefits for a modest annual fee, the Sapphire Preferred is a good pick.

Before you decide, be sure to compare it to other Chase rewards cards that offer similar cardholder perks and benefits. For example, the Chase Sapphire Reserve® offers even more types of coverage and perks compared to the Chase Sapphire Preferred , just for a higher annual fee.

Make sure to evaluate the pros and cons of each card, as well as the overall requirements and benefits you may qualify for, before you decide which option is right for you.

Why I love the Chase Sapphire Preferred Card

How the Chase Sapphire Preferred pays for itself

Bank of America Premium Rewards credit card vs. Chase Sapphire Preferred

Is the Chase Sapphire Preferred worth it?

Chase Sapphire Preferred Credit Card Review

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The Guide to Chase Sapphire Reserve’s Car Rental Insurance

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No one ever wants to experience an auto collision or a stolen car, least of all when driving a rental while on vacation. Thankfully, having good auto rental insurance coverage can help take some of the sting out of any vehicular adversity you might have on the road.

While many credit cards offer car rental insurance to varying degrees, having Chase Sapphire Reserve® car rental insurance often negates the need to purchase additional coverage entirely.

That said, it’s important to know how the insurance policy works, what it does and doesn’t cover and how to file a claim if necessary. Here are four things to know about your Chase Sapphire Reserve® car rental insurance.

1. What does Chase Sapphire Reserve® car rental insurance cover?

Unlike coverage offered by some other travel credit cards, the car rental insurance that’s offered with your Chase Sapphire Reserve® card is primary coverage, not secondary. That means you don’t have to report the incident to your personal auto insurance company.

Most cards with secondary coverage require you to file a claim with your personal auto insurance first; you can then file with card benefit services to cover whatever is left. Not so with the Chase Sapphire Reserve® : if the damage is covered, you can leave your personal coverage out of it.

» Learn more: The 10 types of travel insurance of the Chase Sapphire Reserve

As for what your Chase Sapphire Reserve® does cover: up to $75,000 in reimbursement for theft and collision damage, as well as applicable loss-of-use charges, administrative fees, and towing charges. The policy covers most rental vehicles booked and paid for in full with your Chase Sapphire Reserve® , whether you’re renting in the U.S. or abroad.

» Learn more: Reasons why you need a Chase Sapphire Reserve® card

2. Who is covered?

If you need to file a claim, keep in mind that only you, as the primary driver, are covered, plus any other drivers authorized by the rental car agreement.

So if there’s any chance a spouse, friend or family member might get behind the wheel, add their names to the rental agreement to ensure they’re also covered if anything happens.

» Learn more: The guide to Chase Sapphire rental car insurance

3. What’s not covered?

Not all rental vehicles are covered by your Chase Sapphire Reserve® ’s auto rental collision waiver. Here are a few vehicles that are not covered by the policy:

Antique cars.

Cargo vans.

Trucks other than pickups.

Motorcycles and mopeds.

Limousines.

Recreational vehicles.

Passenger vans seating ten or more people, including the driver.

Chase’s car rental insurance also doesn’t offer coverage of the following:

Damage to other drivers’ vehicles.

Medical bills for injuries sustained by you or other passengers.

Damage to any goods inside the vehicle, whether due to damage or theft.

Incidents or damage caused by off-road adventures.

Rental periods that are longer than 31 days.

Any incident where the driver was driving under the influence of drugs or alcohol or participating in illegal activities.

» Learn more: How to find the best travel insurance

4. How to file a claim for car rental insurance

If you must file a claim at some point, it’s important to know how to proceed, starting at the check-in counter. First, when you review and sign the rental car agreement, make sure to decline the car rental company’s collision damage waiver. If you opt in, it will cancel out your credit card’s auto rental collision benefit.

Then, if theft or damage occurs during your trip, call your card’s benefit administrator as soon as possible after the event to report it (the number is on the back of your card).

You’ll also need to gather copies of several documents to support your claim:

The accident report.

The rental agreement.

The repair estimate and itemized bill.

Two photos of the damage, if applicable.

A police report if at all possible.

A demand letter listing the costs you’re responsible for and any amounts you’ve already paid toward the claim.

Send all of these documents to the benefit administrator, along with the Auto Rental Collision Damage Waiver claim form and the credit card account statement showing the rental transaction. Chase recommends filing your claim online at www.eclaimsline.com to make the process as fast and easy as possible.

You’ll have 100 days to report any theft or damage after the incident, 120 days to send in the claim form and 365 days to submit all necessary documentation. But the sooner you file and send everything, the sooner you’ll be reimbursed for any covered expenses.

» Learn more: What your credit card car rental insurance doesn’t include

Chase car rental insurance, recapped

Using a card like the Chase Sapphire Reserve® to pay for your car rental is a savvy way to not only earn valuable Ultimate Rewards® points, but also score coverage for auto rentals.

It can cover costs for damage to or theft of the car without getting your personal car insurance involved.

How to maximize your rewards

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

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

No annual fee: 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

On a similar note...

Your guide to Chase's trip insurance coverage

Update : Some offers mentioned below are no longer available. View the current offers here .

Chase credit cards are often top of mind when travelers are booking trips because of their superior protections. Chase is one of very few major U.S. credit card issuers that offers a full suite of travel protections across its premium credit cards, including trip delay reimbursement and trip cancellation/interruption insurance.

Trip delay reimbursement covers reasonable out-of-pocket expenses due to a lengthy trip delay that is not covered by the common carrier. Trip cancellation/interruption insurance provides reimbursement for covered travel expenses when you have to cancel a trip or end it early.

Now that more people are getting vaccinated and destinations are reopening borders to tourists, you may be planning trips for later this year or into next. This guide will walk through which Chase credit cards have these benefits, what is currently covered and how you can file a successful claim.

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Chase cards offering trip delay and trip cancellation/interruption insurance

Here is an overview of the Chase cards that offer trip delay reimbursement, trip cancellation/interruption insurance or both:

The information for the United TravelBank Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Best credit cards for trip cancellation and interruption insurance

What is covered by trip cancellation/interruption insurance?

You can find the full terms and conditions of what is generally covered on your specific card in your Guide to Benefits, which can be found through your Chase account online. I'll use the Chase Sapphire Reserve Guide to Benefits as an example.

Here is a rundown of the circumstances covered by Chase's trip cancellation/interruption insurance:

• Accidental bodily injury, loss of life or sickness experienced by you or a traveling companion that prevents you or a travel companion from traveling on the trip.
• Accidental bodily injury, loss of life or sickness experienced by an immediate family member of you or your traveling companion when it's considered life-threatening, requires hospitalization or requires care by you or your traveling companion.
• Severe weather that prevents a "reasonable and prudent person" from beginning or continuing a trip (terms about what constitutes as qualifying severe weather can be found in your Guide to Benefits).
• Named storm warning.
• Change in military orders for you or your spouse.
• Jury duty or a court subpoena, neither of which can be waived.
• You or your traveling companion's place of permanent residence being made uninhabitable, being burglarized or damaged by fire or flood.
• You or your traveling companion's lodging accommodations at the destination of the trip being made uninhabitable.
• Death or hospitalization of you or your traveling companion's host at destination.
• Quarantine of you or your traveling companion imposed by a physician or by a competent governmental authority having jurisdiction, due to health reasons.
• An organized strike affected public transportation which causes you or your traveling companion to either miss 20% or more of your scheduled trip or miss the departure of a prepaid cruise or scheduled tour (booked through a tour operator).
• Terrorism (there are exceptions here; exact terms on what types of terrorist incidents are covered for trip cancellation and interruption insurance are listed in your Guide to Benefits).

Chase does provide an extensive list of things that are not covered by trip cancellation/interruption insurance as well:

• Change in plans, financial circumstances and business obligations.
• Preexisting conditions.
• Any loss due to the voluntary surrender of unused vouchers, tickets, credits, coupons or travel privileges available prior to their expiration date.
• Travel arrangements scheduled to take place after the 26th week of pregnancy, or when a multiple pregnancy (such as twins or triplets) or pregnancy associated with an assisted reproductive program (such as in vitro fertilization) occurs prior to the initial deposit date or booking date of the trip.
• Any loss for a trip booked while on a waiting list for a specified medical treatment.
• Medical travel.
• Disinclination to travel due to civil unrest.
• Failure of you or your travel companion to obtain necessary visas, passports or requisite travel documents.
• Illegal activity.
• Suicide, attempted suicide or intentional self-inflicted injury.
• Drug use at the time of the loss (except if the drug is taken and used as prescribed by a physician).
• Disinclination to travel due to an epidemic or pandemic.
• Financial insolvency of a common carrier, travel agency, tour operator or travel supplier.
• War (not including terrorism).
• For trip cancellation only: Trips booked to any area known to be associated with terrorist activity.
• For trip interruption only: Travel arrangements canceled or changed by a travel supplier unless it's the result of severe weather or an organized strike that affects public transportation.

You'll note that "disinclination to travel due to an epidemic or pandemic" is specifically listed as not covered. At the time of writing, Chase had given no update that would change this, which means canceling a trip you can go on but just don't want to is not covered by your Chase travel insurance .

If you do find yourself canceling or cutting a covered trip short, here are the basic guidelines provided by Chase on what types of expenses are covered for trip cancellation/interruption:

Non-Refundable prepaid travel expenses charged by a Travel Supplier (Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers). Eligible Travel Expenses also means redeposit fees imposed by a Rewards program administrator. Eligible Travel Expenses does not include Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest (unless such expenses are included as part of a travel package).

What is covered by trip delay insurance?

Trip delay insurance provides reimbursement for expenses incurred when your trip is delayed due to a covered hazard for more than six hours, or if a delay requires an overnight stay. It does not include expenses that are covered by the airline or other common carrier responsible for the delay. You and your family members are covered when you put at least part of a trip on your eligible Chase card.

Covered expenses include meals, lodging, toiletries and medication, but do not include any prepaid expenses related to a trip such as a tour or activity fees.

Chase defines covered hazards as equipment failure, inclement weather, strike and hijacking/skyjacking. The Guide to Benefits specifically exempts any delay due to a covered hazard that was made public or made known to you prior to your departure.

Filing a claim

When you have a delay or trip cancellation/interruption that you think qualifies for coverage, you can file a claim through Chase's online claims center.

Trip delay reimbursement requires the following documentation:

• Expense receipts – Keep receipts from all of the expenses incurred due to the delay. Meal expenses more than $50 per covered traveler must be itemized.
• Fare receipt – You'll need a receipt that proves you purchased at least some of the common carrier fare on your card.
• Multiple payment methods – If you used more than one method of payment for your fare, you must provide documentation outlining any additional currency, voucher, points or other payment method used. For example, if you used points to pay for your flight and just used your card for taxes and fees, you'd need to show documentation to that effect.
• Common carrier statement – This is proof that the trip was delayed, along with the reason for the delay.
• Original itinerary – You'll have to submit a copy of your original ticket.
• Settlement from carrier – You are required to file a claim with the common carrier before submitting a claim with Chase. You'll need a copy of the settlement from the carrier, your insurance and any other reimbursement you'll receive from another party.

Trip cancellation/interruption insurance requires slightly different documentation:

• Completed and signed claim form — You can get a claim form by calling your benefit administrator, or by visiting Chase's online filing application.
• Original itinerary – You'll have to submit a copy of your original travel itinerary, including any prepaid activities that you are including in your claim.
• Confirmation of cancellation/interruption – You have to provide documentation that gives the reason for the cancellation/interruption, such as an official doctor's note, death certificate, official military orders or other supporting documentation.
• Attending physician's statement – This a document provided by a physician or medical facility that essentially acts as proof that you were treated by them.
• Carrier cancellation/refund policy – You'll have to submit a copy of the cancellation or refund policies of the common carrier, tour operator or travel supplier.
• Expense receipts – Keep the receipts of expenses incurred due to your trip interruption.
• Monthly billing statement – Rather than a fare receipt, you are required to submit a monthly billing statement showing the last four digits of the account number as proof of prepaid travel.
• Any unused vouchers, tickets or coupons — You can add these expenses to your claim, but you'll need to be able to provide proof of purchase.

When you fill out the claims form online, you will be asked to upload these documents. You can scan in paper receipts when needed. Typically, you have up to 90 days to file a claim after a delay or cancellation.

Proof of flight delay or cancellation

One of the documents required to file for trip delay reimbursement is a verification form that outlines the reason for the delay or cancellation by the carrier. You can typically get this at the airport when the delay or cancellation is announced, but keep in mind that it may require a supervisor. Each major U.S. airline also has a process for requesting this information after the fact.

Here is an overview of the process different U.S. airlines require in order for you to receive a delay or cancellation verification form:

Bottom line

Having a card with trip insurance can save you hundreds of dollars when unexpected hiccups happen in your travel plans, but it can be confusing to know what exactly is covered and the right documentation you need to file a claim.

Nothing is worse than getting through an entire claims process only to be denied or have to start over because you don't have the required documentation for the insurance provider. Before you start filing a claim, make sure you have the documents listed above. Keep in mind that a provider may ask for additional documentation related to the incident, so you may have to collect receipts and other forms to help your case.

Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card

American express® gold card vs. chase sapphire preferred® card.

• Capital One Venture Rewards Credit Card vs. Chase Sapphire Preferred® Card
• Why You Should Trust Us

Chase Sapphire Preferred Review 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

The Chase Sapphire Preferred® Card is Business Insider's top choice out of the best credit cards for earning and redeeming rewards toward flights, hotel stays, cruises, rental cars, and other travel adventures.

If you're new to rewards credit cards or don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on various travel and dining purchases and offers some of the best travel and purchase protection available, including primary car rental insurance. 

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

21.49% - 28.49% Variable

Earn 60,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• 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

Chase Sapphire Preferred® Card Overview

The  Sapphire Preferred Card is one of the best rewards credit cards with an annual fee under $100, with a generous welcome bonus offer of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

Beyond its rewards, the Sapphire Preferred Card comes with some of the best travel coverage available, including trip cancellation and interruption insurance and primary car rental insurance.

The Sapphire Preferred Card also includes a $50 annual credit for hotels booked through the Chase Travel℠ Portal, a 10% anniversary points bonus, and up to 5 points per dollar in popular spending categories.

Chase Sapphire Preferred® Card Rewards

Welcome bonus.

TheChase Sapphire Preferred® Card bonus is 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. This welcome offer is worth $1,080 in travel, based on Business Insider's points and miles valuations . 

As long as your Sapphire Preferred Card is open and in good standing, your Chase Ultimate Rewards® points will not expire. However, if you close your card, you'll lose all the points in your account — so be sure to redeem them or transfer them to an airline or hotel partner before you cancel.

How to Earn Points With the Chase Sapphire Preferred® Card

Sapphire Preferred Card members earn points at the following rates per dollar:

• 5 points on all travel purchased through Chase Travel℠
• 3 points on dining, including eligible delivery services, takeout, and dining out
• 3 points on select streaming services
• 3 points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
• 2 points on all other eligible travel purchases

All other purchases earn one point per dollar. 

How to Use Chase Ultimate Rewards Points 

Chase Ultimate Rewards® points are worth 1 cent each by default when redeemed through the Chase Travel Portal. With the Chase Sapphire Preferred® Card, you get 25% more value, or 1.25 cents per point.

Redeem Chase Points for Travel

You can redeem Ultimate Rewards points for flights, hotels, rental cars, and more through the Chase Travel Portal at the 1.25-cent rate with no limits or blackout dates. The redemption system searches many airline and hotel brands, with a similar feel and layout to major discount travel websites.

However, if you want to get even more value per point, you can transfer to Chase's airline and hotel transfer partners at a 1:1 ratio. That means 1 Chase point equals 1 point or mile in these programs:

You generally get the best value per point by transferring to airlines and booking premium travel, like a first-class flight or a hotel stay that would cost hundreds of dollars. Also, keep in mind that many transfer partner airlines are members of alliances that give you additional partner airline choices.

When you get a good deal, you can book a domestic round-trip flight for 25,000 points. With British Airways, for instance, you can book short-haul flights on partner American Airlines for even fewer points. Southwest also offers many great deals with no checked baggage fees for your first two bags.

If you earn the welcome bonus offer on the Sapphire Preferred Card, you'll have more than enough points for a round-trip award flight to Europe — and depending on the partner you redeem with, you could have points left over to jumpstart your next trip.

Redeem Chase Points for Other Purchases

There are plenty of non-travel options for redeeming your Chase points, but you won't necessarily get as much value as you would by transferring to partners:

• Cash back :  Cash in your points at a rate of 1 cent each toward a statement credit or direct deposit to your bank account
• Chase Pay Yourself Back : Use points toward eligible purchases at a rate of up to 1.25 cents apiece
• Gift cards:  Your points are worth 1 cent each toward gift cards from popular merchants 
• Apple, PayPal, and Amazon purchases: Use points directly for Apple (1 cent each), PayPal (0.8 cents each), or Amazon (0.8 cents each) purchases; the latter two options aren't a good value — you're better off paying for your purchase with the card, then redeeming points at 1 cent apiece toward a statement credit

Chase Sapphire Preferred® Card Benefits and Features

The Chase Sapphire Preferred® Card's benefits come in handy when traveling and shopping at home, online, or anywhere your travels take you.

When you're traveling outside the U.S., the Chase Sapphire Preferred® Card does not charge any foreign transaction fees. Foreign transaction fees are typically 3% to 5% of your purchase, so they can quickly add up if you don't take the right card on your trips abroad.

Annual Hotel Credit

The Sapphire Preferred Card offers up to $50 in annual statement credits toward hotel purchases made through the Chase Travel Portal. New cardholders can start earning the credit immediately, while existing cardholders will be eligible after their next account anniversary.

Maximizing this credit is an easy way to shave up to $50 off the card's $95 annual fee — making your net out-of-pocket cost each year just $45.

10% Anniversary Point Bonus

Each year on your account anniversary, you'll receive a points bonus equal to 10% of all purchases made in the previous year.

For example, if you spent $25,000 on the card in an anniversary year, you'd receive a bonus of 2,500 points.

Primary Car Rental Insurance

The Sapphire Preferred Card card includes primary car rental insurance for damage due to theft or collision, which means it kicks in before your own car insurance and allows you to confidently pass up the extra charge of a car rental agency's own insurance whenever you rent a vehicle and pay with the Sapphire Preferred Card (note that it doesn't include liability insurance).

Most cars and countries are included, but check the terms and conditions for specific exclusions.

Trip Interruption/Cancellation Insurance

If you've paid for an eligible trip with the Sapphire Preferred Card and it's cut short or canceled for a covered reason like illness or severe weather, the card's travel insurance could reimburse you up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses.

Trip Delay Insurance

When you use your Sapphire Preferred Card to pay for your fare, its trip delay insurance can get you reimbursed up to $500 per ticket for hotel rooms, food, toiletries, clothes, or other reasonable expenses when your flight is delayed overnight or by 12 hours or more.

Baggage Delay Insurance

If you've paid for your travel with the Sapphire Preferred Card and your bags are delayed for six hours or more, you could be reimbursed for essential purchases (like clothing and toiletries) up to $100 per day for up to five days.

Lost Luggage Reimbursement

If the carrier damages or loses your bags, you and your immediate family members could be covered for up to $3,000 per passenger as long as you've paid for your tickets with the Sapphire Preferred Card.

Extended Warranty

The Sapphire Preferred Card extends the time period of a US manufacturer's warranty on eligible items by an additional year, on warranties of three years or less when you pay with your card.

Purchase Protection

If an eligible item you've bought with the Sapphire Preferred Card is damaged or stolen within 120 days of purchase, purchase protection could make you eligible for up to $500 in reimbursement per claim, and up to $50,000 per account.

Travel and Emergency Assistance Services

If you're traveling away from home and have a problem, you can get help with medical and legal referrals or other emergency assistance. This service is free for Sapphire Preferred Card cardholders, but any third-party costs are your responsibility.

Travel Accident Insurance

When you pay for your air, bus, cruise, or train transportation with the Sapphire Preferred Card, you're eligible for accidental death or dismemberment coverage of up to $500,000.

Roadside Dispatch

Sapphire Preferred Card cardholders can contact the roadside dispatch hotline for help with arranging services like towing and flat tire repair for a set fee.

DoorDash DashPass

With the Sapphire Preferred Card, you can receive a complimentary DashPass membership (for waived delivery fees on qualifying orders) through December 31, 2024. Enrollment is required to receive this perk. 

Instacart Benefits

Through July 31, 2024, Sapphire Preferred Card cardholders can enroll for a complimentary six months of Instacart+ membership, which comes with free delivery on orders of $35+ and reduced service fees. If you don't plan to keep the membership open beyond six months, be sure to set a calendar reminder to cancel, otherwise, it will automatically renew for another year (currently $99) once your free six months are up.

With the Sapphire Preferred Card, you can now also earn up to $15 per quarter in statement credits toward Instacart purchases (activation required). If you maximize this benefit each quarter, it's worth up to $60 per year — which makes up for much of the card's annual fee.

Chase Sapphire Preferred® Card Fees

It is easy to see how you can get $100 or more in value from this card every year, but it isn't free. The Chase Sapphire Preferred® Card charges a $95 annual fee. However, you can use the card for international purchases without worrying about extra charges, because it doesn't add foreign transaction fees.

Like most other credit cards, you'll pay interest if you carry a balance (currently a 21.49% - 28.49% Variable APR), and there fee in other situations, including balance transfers, cash advances, late payments, and returned payments.

Compare the Chase Sapphire Preferred® Card Card

The Sapphire Preferred Card isn't the only credit card geared to travelers that offers top-notch benefits and generous rewards. Depending on your spending and travel habits, one of these alternative credit cards could be a better fit for you. 

The Chase Sapphire Reserve® , one of the best premium travel credit cards available, is the top-tier "sibling" of the Sapphire Preferred Card.

The Chase Sapphire Reserve has a $550 annual fee compared to a $95 annual fee on the Sapphire Preferred Card. 

The Chase Sapphire Reserve comes with up to a $300 annual travel credit and access to more than 1,500 airport lounges through its complimentary Priority Pass membership. Cardholders can also redeem Ultimate Rewards through the Chase portal at a value of 1.5 cents apiece, compared to the 1.25 cents apiece for Sapphire Preferred Card.

Chase Sapphire Reserve cardholders earn 10 points on Lyft rides through March 2025; 10 points on hotels and car rentals booked through Chase; 10 points on Chase Dining; 5 points on airfare through Chase travel; 3 points on other dining and travel; and earn 1 point per dollar on all other purchases. 

Read more in our Chase Sapphire Reserve credit card review . 

If you want a mid-tier travel credit card that earns American Express Membership rewards, the American Express® Gold Card is a good option for you to consider. Cardholders earn 4 points at U.S. supermarkets  and restaurants; 3 points on flights booked directly with airlines or through Amex Travel; and 1 point per dollar on all other eligible purchases.

New Amex Gold cardholders can earn 60,000 Membership Rewards® points after spending $6,000 on purchases on the card in the first six months of card membership, and can benefit from extra perks at Amex Hotel Collection properties when booked through Amex; secondary car rental insurance; trip delay insurance; baggage insurance; extended warranty; purchase protection; and up to $10 in Uber Cash each month, up to $120 per calendar year.

American Express® Gold Card cardholders who enroll in the benefit can can also get a $10 monthly dining credit at Grubhub, Seamless, The Cheesecake Factory, Wine.com, Milk Bar, Goldbelly, and participating Shake Shack locations. This card has an annual fee of $250, which is significantly higher than that of the Sapphire Preferred Card but can be offset by all of the bonus credits if you're able to use them. 

Read more in our Amex Gold Card review .

Capital One Venture Rewards Credit Card vs. Chase Sapphire Preferred® Card

The Capital One Venture Rewards Credit Card is nearly identical to the Sapphire Preferred Card, but for people who prefer Capital One as a credit card issuer. 

New cardholders can earn a welcome bonus of 75,000 miles after spending $4,000 on purchases within three months from account opening. The card has an annual fee of $95, and earns a flat rate of 2 miles per dollar on most purchases. They will earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. 

Read more in our Capital One Venture card review .

Sapphire Preferred Card Frequently Asked Questions

To be eligible to apply for the Sapphire Preferred Card, you have a credit score in the good to excellent range. However, Chase only allows you to have one Sapphire card at a time, so if you already have the card (or its sibling, the Chase Sapphire Reserve®), you won't be approved.

The $95 is worth it for occasional and frequent travelers, even the annual fee might seem intimidating if you've only had no-annual-fee cards in the past. It's definitely worth it in the first year because the value of the welcome bonus far exceeds the cost.

The Sapphire Preferred Card earns Chase Ultimate Rewards points, which you can redeem for travel booked through Chase, statement credits, gift cards, and merchandise. The best way to use your rewards is usually by transferring them to Chase's airline and hotel partners, because you can often get outsized value from your points this way.

The Sapphire Preferred Card does not charge extra to add authorized users. Additional cardholders get their own card, but any points earned from their spending will belong to the primary cardholder. Keep in mind any transactions made by your authorized users are your responsibility, so only add folks you trust.

The minimum credit limit for the Sapphire Preferred Card is usually $5,000 because it's a Visa Signature card. Many people get approved for credit limits that are higher than that.

The difference between the Sapphire Preferred and Reserve is that the Sapphire Preferred Card is a mid-tier card with a $95 annual fee and generous rewards for spending. The Chase Sapphire Reserve® is a premium card meant for frequent travelers, and comes with upscale benefits and rewards in exchange for a $550 annual fee.

You can upgrade the Sapphire Preferred Card if you've had it for at least a year. Should you decide it's not a good fit, you can call Chase and ask to product change to a different personal Chase Ultimate Rewards earning card. For example, if you find yourself traveling more often and want perks like Priority Pass airport lounge access , you could ask for an upgrade to the Chase Sapphire Reserve®.

You can downgrade the Sapphire Preferred Card if you've had it for at least a year. If you find that paying the Sapphire Preferred Card's annual fee isn't worth it for you, you could request a downgrade to the no-annual-fee Chase Freedom Flex℠ or Chase Freedom Unlimited®. 

No, the Sapphire Preferred Card doesn't come with a TSA PreCheck or Global Entry credit. However, its sibling, the Chase Sapphire Reserve, does offer this feature. You can find more options in our guide to the best credit cards with Global Entry and TSA PreCheck credits.

Why You Should Trust Us: How We Reviewed the Chase Sapphire Preferred

We compared the Sapphire Preferred Card to similar travel rewards credit cards and assessed the card on various factors, including:

• Ease of use — Does the card make it easy to earn and redeem rewards? Are there multiple options for using points?
• Rewards earning potential — Are there broad bonus categories that are useful to a wide range of customers, and are any of them capped at a certain amount of spending?
• Annual fee — Is the annual fee worth paying based on the card's rewards and benefits?
• Benefits — How do the card's perks, especially travel benefits, stack up against similar cards?

Here's a full breakdown of how we rate credit cards at Business Insider.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

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

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