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Chase Sapphire Preferred®: Full Benefits Guide

by on Sun July 20, 2014 • 182 Comments
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Chase Sapphire PreferredHere is a comprehensive list of benefits — large and small — associated with the Chase Sapphire Preferred® Card. We compiled some of the information from this PDF, but the information is subject to change and can vary depending on your particular account.

So please call Chase using the number on the back of your card for the latest details before making any decisions based on the coverage.

We currently rate the Sapphire Preferred one of the best credit cards for airline miles because of its point transfer feature and benefits package.

Travel benefits

No Foreign transaction fees. No transaction fees will be assessed on purchases made outside the United States.

$500 Trip Delay Reimbursement. If your trip is delayed by 12 hours or more, you could be eligible for reimbursement of up to $500 per purchased ticket for things like lodging and meals. You must purchase the ticket using your card for the benefit, either in part or in full to be eligible.

$100 Baggage Delay Coverage. If your baggage is delayed 6 hours or more you could get up to $100 per day in reimbursement for up to 5 days to help cover buying replacement clothing, toiletries, and charging cables while you wait for your bags. You need to buy your ticket in part or in full with your card, and tickets purchased with reward points or miles from a program that Chase has a relationship with (like the transfer partners of the Ultimate Rewards program) are eligible for coverage.

$500,000 Travel Accident Insurance. You can get up to $500,000 in loss of life coverage when you charge your common carrier fare to your card, or use rewards points from a program that Chase sponsors.

Trip Cancellation Insurance. You can be reimbursed If you must cancel pre-paid, nonrefundable travel arrangements you made with the card due to serious illness, death, or injury to you, your spouse, traveling companion, or immediate family.  Weather that prevents you from prudently making the trip, jury duty and military orders are also covered reasons for canceling a trip.

You can be reimbursed up to $5,000 per person, per covered trip, up to $10,000 total per covered trip.

Trip Interruption Insurance. If your trip can’t begin or continue due to a covered reason you can get up to $5,000 reimbursed for nonrefundable transportation that you missed. You and your immediate family are covered, and you don’t have to be traveling, so tickets you purchase for immediate family qualify for coverage.

Covered reasons include severe illness, injury, or death of an immediate family member, your traveling companion, or one of your traveling companion’s immediate family members.  They also include jury duty, military orders, and severe weather that prevents you from beginning or continuing a trip.

You can be reimbursed up to $5,000 per person, per covered trip, up to $10,000 total per covered trip.

Car Rental Collision Damage Waiver. This benefit offers secondary coverage for physical damage or theft to a vehicle, valid loss of use charges, and reasonable towing charges.  It includes economy through luxury class vehicles, vans that carry 8 or fewer passengers, and SUVs. Cars considered ‘expensive or exotic’ are excluded from coverage.

Rentals in any country qualify for the coverage, so even places often excluded from credit card car rental coverage like Ireland and Israel are covered with the Sapphire Preferred’s benefit.

Roadside Assistance. 24 hour roadside assistance including limited towing, lost key, and gas replacement is available for $59.95 per service call.

Lost Luggage Reimbursement. When your luggage is lost by your carrier, you could be eligible to receive reimbursement for your checked luggage, carry-on luggage, and contents for up to $3,000 per person, per trip. You and your immediate family are covered. Jewelry, watches, and electronic equipment are limited to $500 in coverage.

Hotel upgrades, free breakfast, and $25 credit. If your card is a Visa, the Visa Signature Hotel Collection includes hundreds of upscale hotels offering room upgrades, free continental breakfast, $25 credit, and 3pm late check-out when you use the card. Details at www.visasignaturehotels.com

Point earning

2 points per dollar spent on restaurant dining. From fast food to fine dining — all are eligible for 2 points per dollar spent.

2 points per dollar spent on travel.  Eligible merchant categories include airlines, airports, car rental agencies (including truck, trailer, and RV), cruise ships, hotels and motels, timeshares, local and commuter transportation (including trains, buses, taxis/limos, ferries, bridges, tolls, and parking), and travel agencies.

1 point per dollar spent on all other purchases. One additional point per every dollar spent when you book airfare and hotel accommodations online via UltimateRewards.com. Offering the same flight prices you would see at sites like Expedia, Orbitz, Kayak, or the airline websites.

Even more points by using links to online shopping. Log into UltimateRewards.com and use their links to popular online shopping sites like Macy’s, Dell, Lands End, and Travelocity. Note that this is on top of  other point bonuses, so if for example you booked using the link to Travelocity.com, you earn 2x points for a travel purchase plus the current 2x points for using the UltimateRewards link to Travelocity.com.

Reward options

Transfer points to partners. Ultimate Rewards points held by Chase Sapphire Preferred® Card cardmembers can be transferred 1:1 to mileage accounts of the following travel partners: United Airlines, Southwest Airlines, British Airways, Amtrak, Korean Airlines, Virgin Atlantic, Singapore Airlines, Hyatt, Marriott, and IHG Rewards. Transfers are instant for some partners, and you can transfer to yourself or your spouse / domestic partner.

20% off travel when you redeem through Ultimate RewardsSMYou always get 20% off when you redeem your points for airfare, hotels, car rentals and cruises. For example, a $500 flight requires just 40,000 points.

Buy merchandise with points. Thousands of popular items are available at UltimateRewards.com.

Use points for statement credit. Purchases made within the last 60 days are eligible for statement credit using points. Each 2,000 points is worth $20 in credit.

Use mix of points and cash for travel purchases. When you book travel at UltimateRewards.com you can use as many or as few points as you wish toward the cost of the travel. Points are worth $0.0125 each — or 40,000 points for a $500 travel credit on ultimaterewards.com. Choose any flight, at any time with no restrictions.

Cash back. Convert points to cash at a rate of $10 for every 1,000 points, with a 2,000 point minimum.

Gift cards. Most available at a rate of $1 per 100 points — with minimums of 500 – 10,000 points to redeem.

Retailers include Amazon, American Eagle, Applebees, Avis, Banana Republic, Barnes and Noble, Bath and Body Works, Bed Bath and Beyond, Best Buy, Best Western, Bloomingdales, BP, Brooks Brothers, Budget, Cabela’s, California Pizza Kitchen, Carnival, Continental Airlines, CVS, Dave and Busters, Dunkin Donuts, Exxon, Fairmont, Foot Locker, Gap, Hammaker Schlemmer, Hertz, Hyatt, iTunes, JCPenney, Kmart, Kohl’s, Lands End, Lowes, Marriott, Mortons, Nordstrom, Office Depot, Old Navy, Outback, PF Chang’s, Panera, Pier 1, Pottery Barn, Regal, Roy’s, Royal Caribbean, Ruth’s Chris, Saks Fifth Avenue, Sears, SeaWorld, Sephora, Shell, SpaFinder, Starbucks, Sunglass Hut, TGI Fridays, TJ Maxx, Talbots, Target, The Home Depot, The Ritz Carlton, Tourneau, Toys R Us, Universal Orlando, Walmart, Williams Sonoma.

Combine points. You can combine points earned on your Chase Sapphire Preferred® Card with those in any other Chase account that uses Chase-branded points such as Ultimate Rewards. This includes accounts in your name as well as those in the name of a spouse or domestic partner. There is no fee for the transfer.

Points do not expire. As long as your account is not delinquent and is active.

Other benefits

Purchase protection. If an item you purchase in the U.S. using your card or rewards points is stolen, damaged, or otherwise involuntarily lost within 120 days of purchasing it, you could be reimbursed up to $500. The reimbursement is up to the the actual cost to replace or repair your purchase, or the $500 limit, whichever is less. If you have personal insurance like renters, homeowner, or auto coverage, you’ll need to file a claim with your insurance company before receiving this benefit.

Extended warranty. U.S. warranties of 3 years or less can be extended up to one additional year when you use your card to make the purchase. You can get reimbursed a maximum of $10,000 per claim.

Free wine tasting. Over 60 wineries in Napa and Sonoma County offer 2 complimentary tastings per card holder and discounts on wine purchased in person at the winery.

Discounts and free shipping. Many online merchants offer special discounts and shipping offers for Visa Signature card holders, see this link for details.

 

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182 thoughts on Chase Sapphire Preferred®: Full Benefits Guide

  1. Paul

    We had a no show on a flight booked on points due to reasons out of our control. Is there a way to get a refund on those points used to book that flight?

    Reply
    1. MileCards.com

      @Paul – Did you book the flight via the Chase travel portal or did you transfer the points into airline miles? If you booked via the travel portal your ticket is like a cash ticket, so call the airline to see if there is any residual value less a change fee.

      Reply
    1. MileCards.com

      @Joseph – Not that we’re aware of. You can call to double check your situation, but what we see is a mention of U.S. purchases only.

      Reply
  2. Ralph Grizzle

    If you use your Chase Sapphire Preferred card to pay taxes and fees on award tickets and are expecting reimbursement for trip delay coverage, note that you will only be reimbursed the amount up to what you paid for taxes and fees. In my case, it was $69. Not worth the paperwork and effort. Also, claims can be made online at eclaimsline.com.

    Reply
  3. Philip

    RE the trip cancellation insurance: My wife and I plan on using our card to book a walking holiday in Europe, including both the air travel (purchased separately) and the multiple B&B accommodations that we would be staying at along the route (booked by a local travel agency for a single non-refundable fee). We’ve done several of these types of trips in the past. We love to walk! However, I’m wondering about one thing: What would happen if one of us became injured prior to our departure date such that we were still capable of completing the air travel, but we could no longer perform the walk? For example, a knee injury, a foot injury or something of the sort? In a situation like that we would of course choose to cancel the entire trip and try to reschedule it later. My question is, would the entire trip be covered by the cancellation insurance, or would the air travel portion be excluded from coverage because we were still technically “able to travel”?

    I know the above sounds like a silly question, but I’m asking it because the guide to benefits states that the cancellation insurance applies “if a Covered Loss prevents you or your Immediate Family Members from traveling”. That phrase could be interpreted a number of different ways, and we’re not sure how a claims specialist might interpret it.

    Reply
    1. MileCards.com

      @Philip – You’re probably interpreting it correctly that the air travel part may be the deciding factor. Best to call the benefits specialist using the number on the back of your card to get the read on your situation. They pick up the line pretty quickly.

      Reply
  4. Tina Herman

    I will be shipping my furniture and other contents of my apartment to China. If I pay for the moving costs with my Chase Saphire Prefered Card, will it be insured for damages and lost items?

    If so, will you please share the details of coverage and any considerations I need to make in order to assure the coverage.

    Kind Regards,

    Tina

    Reply
  5. Gary

    My wife and I desire to go on a 2 week mission trip to Swaziland in a couple of months. We need to purchase the tickets soon, but just found out my mom has cancer. If we purchase our airline tickets with the Chase Sapphire Preferred Card, would the trip insurance refund our airfare if mom becomes very ill or passes away just before the trip. What about if she passes on while we’re in Swaziland? The doc thinks she can have a fair quality of life for up to a year from now. Thanks.

    Reply
    1. MileCards.com

      @Gary – Sorry to hear about your mom’s illness. Best to call the number on the back of your card. Pre-existing conditions are generally not covered, though since it’s not the illness of a traveler it’s worth checking if there is an exception there.

      Also remember with plane tickets, even if they’re nonrefundable you can often get resiual value out of them to travel somewhere else, minus a change fee.

      Reply
  6. Sabrina

    Hello,

    I purchased a trip on your card and we unfortunately had some items stolen along with our day packs out on a day tour, is this covered at all? I have had great experience with your coverage in the past and just trying to determine if this or another type of insurance is the best route to pursue for our stolen items.

    Sabrina

    Reply
    1. MileCards.com

      @Sabrina – Generally actual things you paid for with the card for the trip are what’s covered. So you may not have coverage there, but always best to call the number on the back of your card to check.

      Reply
  7. BR

    I am renting an RV for a weekend trip and wondering if the car rental insurance covers the rental of an RV?

    Reply
  8. KV

    I need to book international for my husband and myself and am currently having a healthy pregnancy. If for some reason there are health problems later on that do not allow me to fly, am I/are we protected with the cards travel insurance? I would still be in my 2nd trimester at this time.

    Reply
    1. MileCards.com

      @KV – Best to call the number on the back of your card for your specific situation and ask about some detailed scenario. At the moment the third trimester is specifically excluded, but not the second.

      Reply
  9. Iretta Lilly

    I have purchased a cruise and have paid the deposit on another credit card, if I use the Chase Saphire CC for the balance will I still receive the travel protection? I have read a portion must be on the Chase CC. If I need to cancel the trip will I be reimbursed for total amount of the trip or just the portion on the Chase CC ?

    Reply
    1. MileCards.com

      @Iretta- We interpret it the same way you do, which would mean coverage up to the total limit. But best to call the number on the back of your card to check for your specific situation. They’re pretty quick to answer the phone.

      Reply
  10. Julien

    My wife and I own a car and both of us have a chase sapphire credit car, our insurance is Geico and we are paying an expensive bill, do we already have an insurance for personal car ? If yes can I have an advice to reduce my bill ? We actually pay for “Bodily injury lianility” each person/each occurence, “property damage liability”, “uninsured motorist bodily injury” each person/each occurence, “uninsured motorists bodily injury” each person/each occurence, “comprehensive” and “collision”.

    Thank you !

    Reply
    1. Lisa Chew

      Hi. Your card doesn’t cover you for your own personal car. It covers you for insurance on a car that you rent (such as for a vacation).

      Reply
  11. jose

    I have a card but its under my nephews account. My sister (nephews mom) and I paid our trips with this card. Are we both covered under the trip cancellation/ insurance etc. Are we entitled to same benefits under the card as I am the aunt and my sister is the mom and we are additional cardholders?

    Reply
    1. MileCards.com

      @jose – The person whose card number is used for the trip (regardless of whether the person is an additional or primary cardholder) is the one who is considered primary for the coverage. So if you charged it to your card, you are considered primary for the coverage and get the coverage benefits.

      It’s also a good idea to give them a call using the number on the back of your card to cover any other specifics, as trip cancellation coverage has lots of ins and outs.

      Reply
  12. Steve

    I am booking my honeymoon this coming July, I am planning to use my chase sapphier card, however, I want to make sure my trip is covered in case something happens, my question is basically am I covered if I book an 8000k trip in April to travel in july. I read something about 60 days and wanted to see how my situation applies to that rule.

    thnx

    Reply
    1. MileCards.com

      @Steve – Congratulations on the marriage. The 60 days refers to the duration of your trip, not the advance booking time, so you’re OK on that front. As always though it’s a good idea to give them a call on the number on the back of your card to check any other specifics about your situation to double check. They pick up the line quickly.

      Reply
  13. Elena

    Are any countries excluded from the car rental coverage? Is Israel included?
    What kind of card is this (Visa? MasterCard?)

    Reply
    1. MileCards.com

      @Elena – It is a Visa and Israel is included, no countries are excluded from the rental car coverage. You’ll want to request a ‘proof of coverage’ document via email from customer service before you leave for your trip so you can present it at the rental car counter.

      Reply
  14. Trisha

    I booked a flight for myself and my twin sister to Asia. My flight originating from weat coast and gets from the east coast but arriving within 1 hour of each other. Her flight was late causing her to miss her connecting flight thru a different airline. That airline will only reschedule the same flight the next day. What coverage would qualify for this? I already assumed immediate family was considered. Now trip delay says sister doesn’t count. Trip disruption says it may be covered but won’t tell me what for. She doesn’t have much money for a hotel and I need a clear answer on what will be reimburse. Very frustrating getting the run around. This is the Whe reason I have the card.
    Help! Please

    Reply
    1. MileCards.com

      @Trisha – Sorry to hear about that but they are right that only spouses and children are covered with Trip Delay, so you wouldn’t get a hotel reimbursed for her. It’s confusing because the other coverages include ‘immediate family’ like your siblings. The disruption insurance covers expenses you paid beforehand, like a hotel you have to cancel, not emergency accommodations. The airline should put her in a hotel, or give her a very discounted rate for one. She should ask the hotel for a ‘distressed passenger’ rate if they haven’t put her up for free.

      Reply
  15. Lily

    I just booked a cruise using the Chase Sapphire credit card. Will the trip cancellation cover a pre existing condition? My husband is undergoing a medical treatment but should be done 2 weeks before the ship sails. There is a possibly that the treatment might be extended an extra 4 weeks in which case we might have to cancel.

    Reply
    1. MileCards.com

      @Lily – Officially it doesn’t – best to call the number on the back of your card to double check, but you may have to look for a separate policy that does cover pre-existing conditions, though most do not.

      Reply
  16. janse

    I have a card and my domestic partner also has a card on my account. If i pay for both our trips on this card will my partner also be covered under the trip cancellation/ insurance etc. Is my partner entitled to same benefits under the card as I am either because of being a domestic partner and/or as an additional card holder?

    Janse

    Reply
  17. L

    If I use the Sapphire card for on board purchases on Royal Caribbean will I earn 2x the point or just 1x? I did not purchase the cruise with my Sapphire card.

    Reply
    1. MileCards.com

      @L – If it comes across as a Royal Caribbean charge it should show up as travel. Otherwise there’s a good shot it will come up as dining, which also gets 2x.

      Reply
  18. T Easton

    I have a Chase Sapphire Preferred credit card that I used to purchase 2 tickets from California to the United Kingdom for a 3 month family vacation. Unfortunately, I had to reschedule my trip to go in August instead of March due to problems with my foot that I need to see a specialist for. Of course, this caused me to incur penalties from the airline ($800). When I contacted my travelers insurance with Chase, they said I was not eligible for reimbursement of these fees due to the fact that I would be gone longer than 60 days. It says nothing about this in their policy. What does how long my vacation is have to do with my refund of fees?

    Reply
    1. MileCards.com

      @T Easton – It’s unfortunate but extra long trips (60 days in your case) aren’t covered by this particular benefit. It may have to do with the increased chance that someone has a problem that cuts a trip short while in progress. But there appears to be no carve out for cases that happen before the trip starts.

      Note though that airlines sometimes waive change fees when you have a legitimate medical excuse. Have you tried filing a request with the airline?

      Reply
    1. MileCards.com

      @Vinci – It may vary, but Federal Insurance Group (part of Chubb) has been one of them. Best to call and check for your particular card.

      Reply
    1. MileCards.com

      @Sharon – Unfortunately no you can’t. You’ll need the United Explorer for United, Delta SkyMiles Amex, or Citi AAdvantage Platinum to get a free bag on each airline.

      Reply
  19. Stephanie McGrath

    I am a teacher and have a conern about blackout dates. I know the card states that there aren’t any, but if I decided to book a trip using my reward points, do they charge more reward points during tradional blackout time periods (ex. school holidays and summer vacation)? Thank you!

    Reply
    1. MileCards.com

      @Stephanie – If you plan to take advantage of using the points via the Chase travel portal, where every point is worth 1.25 cents for travel, then there are no blackout dates. They simply charge based on the airfare, with every point worth 1.25 cents. So 40,000 points is worth $500 in travel value.

      If you plan to transfer to United there are no blackout dates, but depending on the demand for a particular flight you might find prices higher than others, but nothing dictated by the calendar. And if you transfer to Southwest it’s the same story.

      Reply
    1. MileCards.com

      @Lynn- Just about every restaurant qualifies, as long as the restaurant reports itself to Visa as a restaurant. Even fast food places count.

      Reply
  20. will

    If I only book the flight portion of a trip using Chase Sapphire Preferred (not hotel) and I have to cancel my trip due to a covered illness, will Chase also reimburse me for my losses from the hotel cancellation ?

    Reply
  21. Alex Nutman

    I was wondering whether a ticket purchased with a Chase Sapphire Preferred but also using a couple of Delta E-Certificates would still qualify for coverage

    Reply
  22. Becca

    Hello,

    I am about to book two tickets for Europe (JFK-Edinburgh, returning Paris-JFK) for this summer. Will we still get travel insurance if we pay cash for the tickets through cheapoair.com instead of through the chase travel website? Also, do I need to do anything to activate the protection other than just use my card to pay for the tickets?

    Thank you!!

    Reply
    1. MileCards.com

      @Becca – Either site is fine to be eligible for the coverage, and it’s automatic when you purchase the tickets on the card.

      Reply
  23. Sarah

    Hello,
    My husband and I booked a flight in March using the Chase Sapphire and have discovered that he can’t get the time off of work. We want to re-schedule the flight for a month earlier (February). The airline is charging us $200 to change it. Would this be refundable? What about if we canceled it altogether?

    Reply
    1. MileCards.com

      @Sarah – Unfortunately there’s no way around the $200 change fee. When you use your points to book via Chase, it’s like using cash to buy a ticket, and the airline treats it like a regular ticket. You can’t get the flight refunded, but you can use the remaining value of the ticket to buy another ticket on the same airline for another date / destination, after the $200 change fee.

      If you don’t plan to travel in February with this ticket, you could wait until the day the ticket you booked is scheduled to depart. Sometimes flights get cancelled or there are weather waivers, in which case you could change your flight for free or request a refund.

      Reply
      1. Al

        Similar situation, we can’t get the time off due to a deadline. I don’t think that’s a covered reason. Any advice or ideas?

        Reply
    1. MileCards.com

      @Eric – Not everything. There are some exceptions like cars, medical equipment, perishables, perfumes, cosmetics, batteries, used items, and others. Best to call the number on the back of your card to check the precise item you are concerned about.

      Reply
  24. Christine

    After spending the $3,000 (the amount when I signed up) within the first 3 months, how long will it take to get the 40,000 points? Thanks.

    Reply
    1. MileCards.com

      @Christine – It will post on the statement for the month after you finish your spending. So generally about a month after hitting the threshold, but every case varies.

      Reply
      1. MileCards.com

        @Sharon – You can book it right up through the same day. And yes some of the car rental agencies offer SUV options depending on availability.

        Reply
  25. Sara

    Will purchases made on hotels and other expenses outside of the united states count toward the USD 4k requirement to be eligible for the 40,000 point bonus?

    Thanks!

    Reply
  26. Fitzhugh

    We will be renting a car in Mexico. What coverage does our Chase Sapphire card provide (Collision, Liability, etc)? The car itself costs only $80 for 8 days but the quoted “Collision Damage Waiver” is $16/Day, the “Personal Accident Insurance” is $4/Day, and “Third Party Liability” is $15/Day == bringing the total, with mucho taxes, to $450.

    Reply
    1. MileCards.com

      @Fitzhugh – The credit card covers ‘collision damage waiver’ if you use it to reserve and pay for the rental. The other coverage is not included, though you may want to check with your own auto insurance policy to see if coverage applies.

      Reply
  27. CAROLE M. CADA

    Can you please let me know what my Travel Benefits are when I charge a trip to France on my Sapphire Card?

    Reply
    1. MileCards.com

      @Carole – If you can’t make the trip due to illness verified by a doctor that makes you unable to travel or severe weather, you’re eligible for up to $10,000 refunded. Also if your flight gets delayed over 12 hours and you need a hotel room, etc you can get reimbursed up to $500. There is similar coverage if your baggage is delayed. Note there is no health insurance coverage.

      Reply
    1. MileCards.com

      @Yesh – Call the number on the back of your card and request a proof of coverage statement to be given to your rental car company. Once you have that you can decline the optional collision coverage the rental car agency may try to offer.

      Reply
      1. JJOHN Carleton

        What is the number my question covers Ireland and England can I wave optional collision damage ,loss of usage, and third party coverage on car rental ?

        Reply
        1. MileCards.com

          @JJohn- Just call the number on the back of your card. But collision damage in Ireland and England are covered, as well as typical loss of use.

          Reply
        2. MileCards.com

          @JJohn – If you call the number on the back of your card they can answer. If you don’t have a card yet, unfortunately they don’t answer questions that specific about coverage in advance over the phone.

          Reply
  28. Rachel

    I am looking to purchase a hotel in Montreal for three nights in November that is nonrefundable through booking.com. We are planning on driving there (5hrs away) and wanted to make sure that we were protected in the case that there is severe weather, like a major snowstorm, and we needed to cancel. Does the travel protection through this credit card protect us, or would we have to take out trip insurance through the booking agency?

    Thanks!
    Rachel

    Reply
    1. MileCards.com

      @Rachel – Yes, as long as it’s a pre-paid travel arrangement paid with the card, this is intended to be covered. Of course always best to call and double check, but “Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip” is part of the standard Visa Sapphire Preferred coverage.

      Reply
  29. Michael H.(oldfox)

    I closed my Sapphire Preferred (Visa) card in March 2013. When can I apply and get the 40,000 points signup bonus again? I was in my area Chase bank yesterday and a Chase rep approached me to tell me about my “special” offers. One was the Sapphire Preferred. The rep said I could get the Sapphire Preferred again and get the bonus again. I thought I had to wait 2 years to get the bonus again. Please help.

    Reply
    1. MileCards.com

      @Michael – The rule is 24 months after you received the last intro bonus. So if you got the bonus earlier than September 2012 then you should be in good shape.

      Reply
  30. Jo

    We are going on an ocean cruise in December, 2014. If we charge the cruise costs to our Chase Sapphire Preferred card what is the maximum amount of the cruise costs will be covered?

    Reply
  31. Eric

    Hello, I am supposed to be going on a trip to Ghana, Africa in November and would be booking my flight soon. With all of the scare regarding the Ebola outbreak (which has not reached Ghana) I was curious if the trip cancellation policy would cover if I needed to cancel my flight due to the spread of diease into Ghana. Thanks

    Reply
    1. MileCards.com

      @Eric- Probably not. They do cover a Quarantine imposed on *you* which makes you unable to leave. But there’s nothing we can see that offers a benefit if you are uncomfortable with travel because of disease risk.

      However…

      If it does become serious it’s more likely your airline will cancel the flight (British Airways is already doing this for some places), in which case you would get a refund of your flight directly from the airline. Or the airline may offer a travel waiver.

      Reply
  32. Bob O

    You might have received this, but I wanted to give you a heads up. Chase is changing the benefits on the Sapphire Preferred Card.

    View the summary here:
    https://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/shared/marketing/page/ultimate-rewards-sapphire-preferred-vs-annoucement&jp_cmp=cc/94049/ema/EM03610/Body_image_1

    Here is the official program statement effective 9/21/2014:
    https://www.chase.com/SapphirePreferredRewards

    Interesting read on travel points. They are going away after 12/31/2015, but if I understand it correctly, Chase will give you 3x points for travel until then. Am I reading this correctly?

    Reply
    1. MileCards.com

      @Bob – Yes, you are reading it correctly. 3x points on Ultimate Rewards travel purchases remains until 12/31/2015.

      Reply
  33. harley

    what kind of coverage do i get regarding changing/canceling a flight? I am currently overseas and i wish to change my return ticket to an earlier date and chase wants to charge me around $1800!

    Reply
      1. MileCards.com

        @harley – It all depends on the cash airfares available at the time. When you book with Ultimate Rewards it’s like buying a cash ticket. So the airline’s change fees apply (probably about $200 or so a ticket). But the $1800 sounds high. Maybe try another day nearby? You will get charged whatever difference in fare.

        Reply
        1. harley

          thanks! Btw is there any way to know the cash value of the originally booked award ticket? How can i calculate the difference in fare?

          Reply
          1. MileCards.com

            @harley – Take the points you paid and multiply by .0125. Or, find the confirmation number for the airline you are flying, and pull up the reservation on the airline website. You should be able to see a receipt there. Alternatively, just call the airline directly and ask what the fare was and the change fee on it.

    1. MileCards

      @Jan – There isn’t an exclusion for cell phones with the Chase benefit. But always check by calling the number on the back of your card before relying on it.

      Reply
  34. Errol

    In May, I used my Sapphire Preferred card to book a hotel room in Italy for next week on Expedia. Now I see that the hotel is almost $200 less in price. Does price protection cover hotels?
    Thanks in advance!

    Reply
    1. MileCards

      @Errol – Unfortunately no, price protection doesn’t protect service contracts like a hotel room. But might be worth contacting the hotel or Expedia in case they might budge.

      Reply
  35. Debbie

    I just purchased a cruise for $599 and the price dropped two days later to $449. Does Chase Rewards reimburse the difference if the price drops within a certain period of time.

    Reply
      1. Debbie

        That is disappointing since, the other members of our group purchased tickets the same day through cruise.affordabletours and they were sent an email with a notification of an refund without even asking.

        Reply
        1. MileCards

          @Debbie – It might be worth a call to the travel desk at 1-866-951-6592. That’s who handles your cruise booking, and is separate from the ‘price protection’ benefit. Maybe they can check.

          Reply
  36. Laura LaFrano

    I just made a purchase at a Chinese herb pharmacy in Beijing that I’m not happy with and wish to return a portion of my purchase. Should I refute the charge or what can I do?

    Reply
    1. MileCards

      @Laura – If they won’t accept the return try calling the number on the back of your card to see if it qualifies for 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.

      Reply
  37. Karla

    I recently purchased a flight using chase sapphire preferred and two weeks later the budget Hawaiian airline (go!) said it has shutdown..do I have any benefits or recourse through chase?

    Reply
    1. MileCards

      @Karla – For all flights that take place after the shutdown Go! has reached an agreement with Hawaiian Airlines to transfer the tickets to their flights. Go! reservations is combing through all of the records and calling passengers individually, but if you want to contact them directly it’s (888) 435-9462. Go! is not going bankrupt, they are owned by Mesa Airlines which is solvent with other operations in the United States so if they can’t find a suitable flight for you they will refund your money directly.

      Reply
  38. Liz

    My dad is letting me use his Sapphire preferred card to book my flights to Asia. Am I covered with regards to the travel benefits (insurance) even though I am the only one going on the trip and his name is the only one on the account? How does this travel insurance stack up to other insurance packages from third party insurance companies?

    Reply
    1. MileCards

      @Liz – Always call the number on the card directly to verify coverage, but from what we see in our guides is that yes, you are covered even if he is not traveling because you are considered an immediate family member.

      The cancellation insurance is good, though doesn’t cover cancellations for minor illnesses or work issues. There are some ‘cancel for any reason’ policies you can buy from a third party but they are expensive and often only refund 50% of the cost. They are designed for things like full cruise packages.

      With plane tickets, even without insurance you can use them to book flights somewhere else if you want to, even if they’re nonrefundable. You just pay a change fee of about $200 or so.

      The trip delay coverage is a nice benefit as well that’s typically only included in third party plans, but is included with the Sapphire Preferred.

      Reply
  39. David

    I currently have a Upromise MasterCard from Barclay’s and am looking to change to a card to start building for a trip for the kids in a few years. I get 1% cash back on everything and lots of other cash back from most of My purchases

    Would you consider the chase Sapphire a better card when it comes to earning better rewards? Is there an online calculator that I can compare these two cards?

    Reply
    1. MileCards

      @David – Yes, it is a decent card – you can use our CardFinder tool to see where things stack up:

      http://milecards.com/cardfinder/

      First thought is another card from Barclays, the Barclaycard Arrival will be helpful since it earns 2% toward travel on all purchases. Since you have a good history with them that may be a good choice

      Where are you looking to travel?

      Reply
      1. David

        Bring the family to Disney. We spend about $3000 a month on card and payoff every month. Leaning toward the Chase Sapphire but will look into the Barclays travel card

        Reply
    1. MileCards

      @Bill – Good question. No, trucks and vans that are designed to carry cargo are not covered by this or most credit card collision coverage plans.

      Reply
      1. Gene

        interesting.
        what about business credit cards please?
        would a biz card cover a moving truck if it was being used for business?

        Reply
        1. MileCards.com

          @Gene – No it would not – only a standard vehicle that’s being rented for business purposes.

          Reply
  40. Karen Davis

    I am traveling with a friend and I am paying for her packaged tour and airline ticket with my card.
    If she has to cancel due to a covered reason, does the insurance cover her. Her name is not on the credit card, only mine and my husbands.

    Reply
    1. MileCards

      @Karen – Unfortunately no, it’s only for you and immediate family members:

      “You, the Primary Insured Person, and your Immediate Family Members are automatically covered.”

      Reply
  41. kevin mc

    I purchased a flight and a cruise thru the chase sapphire preferred card. if the flight is delayed or cancelled due to weather and i miss the cruise. does the card ins cover the missed cruise and the flight?

    Reply
    1. MileCards

      @kevin mc – Looks like it’s possible. Below is what they say is NOT covered, so appears severe weather preventing the trip could be covered. Of course there are always exceptions but it’s a good idea to call the number on your card as this could very well be covered. They will cover the non-refundable part of the flight and cruise. The flight if delayed due to weather should be fully refundable on its own without the insurance though if you decide not to take it.

      “travel arrangements canceled or changed by a Common Carrier, Tour Operator, or any Travel Agency unless the cancellation
      is the result of severe weather or an organized strike affecting public transportation”

      Reply
  42. Lesa

    Is this still a benefit for 2013?

    Free wine tasting. Over 60 wineries in Napa and Sonoma County offer 2 complimentary tastings per card holder and discounts on wine purchased in person at the winery.

    Reply
    1. MileCards

      @carmne – It should if it’s departing from a U.S. port – cruises that depart from the U.S. are required to be considered common carriers as long as they are not charter boats and have a scheduled sailing time.

      Reply
  43. lisa d

    I am awaiting my Sapphire Preferred card. Can I use the points on any airline I choose? ie; jetblue, united, delta?

    Reply
    1. MileCards

      @Lisa D: You have 2 ways to use your points for flights. The first is you can transfer the points into your mileage account with United, Southwest, British Airways, Virgin Atlantic, or Korean Airlines, then book the flight using the rules of their mileage program.

      The second is you can go to http://www.ultimaterewards.com and use the flight search tool there. Using that, you can book any airline (except Southwest, which does not let its flight show in any flight search tool). Every 10,000 points is worth $125 toward airfare.

      Generally, you will find it costs less points to transfer your points to Southwest for a domestic flight, as every 10,000 points there is worth about $170 toward Southwest flights.

      For big international and first class trips you’ll probably find using United miles costs the lowest number of miles.

      This page has some illustration of what we’re talking about:

      http://milecards.com/4265/7-step-guide-to-flight-rewards-with-chase-sapphire-preferred-points/

      Reply
  44. Evan

    For Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate Rewards, is it 20% off the purchase price or do your points go 20% further when you redeem with points through Ultimate Rewards? For example: if I buy airline tickets that cost $1000 and I have 40K points. Is my out of pocket expense $300 [$800 ($1000 - 20%) - $500 (40K pts x $0.0125)]? Or is it $400 [$1000 - $600 (40K pts x $0.0125 + 20%)]?

    It’s not clear to me how the 20% off travel is applied. Although, I guess this really only matters when you are paying partially with points and the other credit. Any help is much appreciated. Thanks!

    Reply
    1. JenJ

      Is it possible to obtain a World Elite MasterCard version for the Sapphire Preferred? If not, what Chase cards carry the WEMC?

      Reply
  45. Karen

    How does the Sapphire Preferred Cancellation insurance compare to a commercial insurance plan (i.e. TravelGuard)? Is the coverage as full and as faithful? I am taking an expensive trip and the Cancellation insurance policy costs $500, I am for the trip with Sapphire Preferred card. Do I need to buy the commercial insurance or will the Sapphire cancellation insurance provide the same coverage without a fee?

    Thank you,

    Reply
  46. Janell

    Does the trip insurance with the Sapphire Preferred cover if the trip is canceled due to ‘civil unrest’ in the area your are traveling or if the flight is canceled by the airline due to strike? What if a plane delay causes you to miss your cruise departure? Will I be refunded the price I paid for the cruise?

    Of course, all paid for with the card.

    Reply
    1. MileCards

      @Janell – The trip insurance only covers missing transportation due to serious illness or injury to you, your spouse, or dependent child. Strikes, civil unrest, and other non-health related matters don’t qualify. The one instance that does is if the transportation provider completely goes out of business.

      Cruises you miss due to a flight delay are not covered – as that is not a result of serious illness or the airline going out of business.

      Reply
  47. Pat

    I bought my air tickets through a different card, but if I buy my tour package with this card, will travel insurance be covered? Specifically, I am traveling to Kenya and want to get travel medical insurance. Is that included?

    Reply
  48. Annette

    I wanted to know if the many trip-related insurance plans you provide will be applicable if an airline ticket is purchased through a combination of frequent flyer points and cash (charged to the Sapphire card)? Specifically, United airlines offers the option to book their award travel tickets with United Mileage Plus points + cash (the amount of cash required varies depending on routing and seat availability). If I pay for my airline ticket with United award points + cash (with the cash portion charged to my Sapphire card) — will I still be eligible for trip cancellation insurance, baggage delay insurance, etc.?

    Reply
  49. Lear

    Does the roadside assistance apply to my own car or it only applies to the car rental with the card?
    For example, if my own car has a dead battery in the parking lot, can I call for this service?

    Reply
  50. tracy

    I bought airline tickets for my elderly parents to go to Europe in June, however, my mom just fell and she would not be able to travel in June. I bought their tickets with the Chase Preferred saphire. Is it a qualified trip cancellation?

    Reply
    1. MileCards

      @Tracy- For her, if she is unable to travel at all, and they deem it serious, yes for her. Unfortunately for you probably not as it’s only for children who are dependents under 25 in school. Best to call the number on your card and they’ll connect you with the folks who handle this.

      Also, you may want to consider contacting the airline directly as well. With a proper doctors note they will let you waive the change fee and rebook the flight at a time when you are able to travel.

      Reply
  51. Terra

    Does Chase Preferred Sapphire’s trip delay or cancellation coverage extend a delayed flight because I am travelling with a pet in the luggage hold and the weather is too cold?

    Thanks much.

    Reply
    1. MileCards

      @Terra – We called them and they said unfortunately no, that is not an event that qualifies. The flight itself has to be delayed or cancelled.

      Reply
    1. MileCards

      @Marcy – The standard Visa version does not. However you can request to apply for the MasterCard version. That one has in the past, but unfortunately you don’t find out the exact benefits details until you receive the card.

      Reply
  52. gregillinois

    We are using card for hotels and rental car in Mexico. In Mexico they do not honor your primary private insurance. Since yourcard provides secondary coverage will they cover or should I use an Anex card?

    Reply
    1. MileCards

      @gregillinois – Mexico is a country where the collision coverage applies. Note that liability (harming other property or persons) is not covered with this or any credit card.

      Reply
  53. Megan

    Hi! Do I have to go through Ultimate Rewards to redeem my miles or can I book on any website? I confused about the process of redemption and how other airlines/website recognize my miles.

    Thanks so much!

    Reply
    1. MileCards

      @Megan – You need to go to http://www.ultimaterewards.com and use the travel search tool there to book ‘any airline’ travel using your Ultimate Rewards points.

      You also have the option to transfer your points into miles with a specific airline like United or Southwest. In that case, you would then book using that airline’s website for miles tickets.

      Reply
  54. David

    While I was traveling home from vacation (paid for with Chase Sapphire Preferred CC), my iPhone was lost/stolen prior to boarding a connecting flight. (iPhone bought with Chase SPCC last November). Is there any way this was covered? I don’t have other travel insurance or phone insurance.

    Thanks.

    David

    Reply
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  56. ChristianCD

    Can I transfer my Sapphire miles into Lufthansa ‘miles and more’ miles ?
    If not, can I use Sapphire miles for Lufthansa flights ?

    best
    Christian

    Reply
    1. MileCards

      @Christian – You can’t transfer them directly to Miles and More. However you can transfer them to United and from there can redeem for Lufthansa flights.

      Reply
  57. Lynne

    I switched from United Mileage Plus to get the benefits of the Chase Saphire for air miles. However, with United I received a monthly update on how many miles I earned that month. From Chase Saphire I have received nothing, ever. How do I know how many points I have earned and how do I redeem them for air miles?

    Reply
    1. MileCards

      @Carlo- Yes, it will for collision damage. However for personal liability for injury to others or other property you will need to purchase a separate liability policy from the rental agency, or your insurance company.

      Reply
  58. frank

    So if I reserve a non refundable rate hotel, that is prepaid, Will the sapphire card fully reimburse me if I am unable to use the reservation due to an emergency?

    Reply
    1. MileCards

      @Frank – The way we interpret it, looks like the cancellation insurance is only for transportation tickets on a common carrier, like a plane, bus, train, or boat. Not for lodging.

      Reply
  59. Mac

    I see there are no foreign transaction fees. Are there any other fees charged such as a currency conversion fee for non USA purchases (I.e. Europe)?
    H
    Also, what rate do they use for currency conversions.
    Finally, could I also get and use the mileage plus explorer card (for car rentals)?

    Reply
    1. MileCards

      @Mac – Yes, you can get both the Sapphire Preferred and Mileage Plus Explorer cards. As for the foreign transaction fee, there is a floating rate for currency conversions, it’s not specified, but when others have surveyed it’s been minimal versus the prevailing exchange rate. In other words, they didn’t jack up the currency exchange rate to offset the ellimination of the foreign transaction fees.

      Reply
  60. Freddy

    Do you know when we would receive the 7% dividend bonus? I’ve been a Preferred member since August and I just received my first statement of 2012. No dividend yet.

    Reply
    1. Freddy

      According to Chase, the dividend is paid out the first or second statement of the calendar year. Since my statement cycle ends in the first half of January, looks like I won’t be paid out until my February statement.

      Reply
  61. John

    Skyler, great question, I was just about to ask that, and regarding France, as well.

    “Car rental collision insurance. This coverage is secondary to any insurance you currently carry, but offers insurance against damage up to the cost of most rental car vehicles.”

    If I use the Chase card to pay for the rental in France, do I need to purchase they car rental company’s CDW and/or LDW insurance, as well? What about Theft Waiver insurance?

    Reply
  62. skyler

    Hi, I would like to know if I have this card, does that mean I don’t need to buy the insurance during car rental? Would it be covered by this card automatically if I pay with the card and does it cover globally (particularly in France)? Thanks in advance

    Reply
  63. Winny

    Chase Sapphire℠ Preferred Card

    1. if I have 50000 points, do I get 500.00 cash or 625.00 airline credit? or both?
    2. Is the point is equal to mile? If I have 50,000 points , would I be able to get 2 domestic tickets(50000 miles) ?
    3. If the point doesn’t equal to mile, then what is the conversion of points to mileage? How many points to get a domestic ticket?
    4. What is the 7% annual points dividend means? does it mean more cash back to me every year?
    Thanks!
    Winny

    Reply
    1. MileCards

      @Winny…some answers for you..

      1. It’s your choice. You can apply them as up to $500 in credits against items on your statement, or use it to purchase up to $625 in travel using their online travel booking site.
      2. Yes, the points are also equal to miles. You can transfer them directly to United / Continental airlines miles, which offer domestic tickets for 25,000 miles roundtrip.
      3. The conversion of points to miles is 1:1 for United / Continental, British Airways, Korean Airlines, Amtrak, Hyatt, Marriott, and Priority Club
      4. The 7% annual points dividend simply gives you 7% more points at the end of each year. So if you earned 100,000 points during the year, they will add 7,000 points to the total each year. You can use that as cash statement credit, travel, or conversion to miles. And the dividend still comes even if you’ve already spent points you earned during the year.

      Reply
  64. George

    Just called Chase Sapphire preferred and they told me they don’t have the 10,000 point annual bonus. Each year you spend $50,000 or more on the card

    Reply
    1. MileCards

      @George — Thanks for pointing that out. They had replaced the 10,000 point annual bonus with the 7% annual point dividend, but we had both listed. It’s updated now.

      Reply
  65. DeltaFlyer

    Hello,

    I live in Minneapolis which is a big hub for Delta, so I almost exclusively fly on Delta.

    With this card’s 1:1 point transfer to partners, is the Delta SkyMiles program one of these that are eligible for the 1:1 transfer? Are there fees to transfer points?

    When I spend 3K during the first 3 months and get the 50K point bonus, could I hypothetically immediately transfer those points to Delta?

    Thanks!

    Reply
    1. MileCards

      @DeltaFlyer – Delta mile credit cards are exclusively with American Express.

      So if you want 1:1 transfer to your Delta account you need one of the cards with Membership Rewards (Green, Gold, or Platinum cards) or the Starwood Preferred Guest credit card.

      http://milecards.com/1448/credit-cards-with-airline-mile-transfer-feature/

      There is a 50000 point intro bonus for the Gold American Express though right now it’s for the business version of the card.

      http://milecards.com/wordpress/securelinks/amexbusinessgold/

      Reply
  66. Nina Cantor

    I wanted to know what kind of trip cancellation insurance and travel emergency services you offer. Is it only in effect when you have charged the trip to the Sapphire credit card or is it universal when you hold the card no matter how/where you have done the bookings? Thank you.

    Reply

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