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Chase Sapphire Reserve benefits in-depth

by on Sun August 21, 2016 • 67 Comments


Here’s a rundown of the dozens of benefits that come with holding the Chase Sapphire Reserve® card, which is offering 50,000 bonus points to start, including the many travel and purchase protection benefits listed in this coverage document.

If you’re looking to review Sapphire Preferred benefits, you’ll find a rundown here.

Note that the benefits could change anytime, and you should only rely on them after calling the number on the back of your card to verify your coverage.


Earning points

3x points on travel and restaurant purchases.

There’s no limit to the 3x points in these categories. Merchants that count as travel include things beyond plane tickets and hotels like taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. You can see a list of merchant types that count as travel and restaurant purchases here.


Using points

50% more in travel redemption.

When you redeem for travel using the Chase Ultimate Rewards® travel website, you get 50% more value. Instead of 10,000 points worth $1,000 in travel, 10,000 points are worth $150 in travel on the Chase Ultimate Rewards website. That site lets you book most, but not all airlines and hotels.

Also note the 50% more value does not apply to transfers to travel partners like United MileagePlus. Those transfers are always 1:1, an even exchange.

Transfer to travel partners

You can transfer points to Chase travel partners at 1:1 anytime, so 1,000 points from Chase = 1,000 partner points or miles. These travel partners include United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, Hyatt Gold Passport, IHG Rewards, Ritz Carlton Rewards, Air France Flying Blue, British Airways Avios, Korean Airlines Skypass, Singapore Krisflyer, and Virgin Atlantic Flying Club.

Transfer to United MileagePlus, and enjoy its new Polaris business class, rolling out next year.

Transfer to United MileagePlus, and enjoy its new Polaris business class, rolling out next year.


Travel benefits

$300 annual travel credit

Each year, you can automatically receive up to $300 in statement credits as reimbursement for travel purchases such as airfare and hotels charged to your card. Just pay for travel with your card, and you’ll see a credit offsetting the purchase on your account the same day.

There’s even a counter when you login to your account on the Chase site that shows you how much travel credit you have left. Travel purchases is a pretty broad category that includes tolls, parking, and taxis, so you don’t have to go far to use the credit.

The credit replenishes on your account anniversary date each year.

Priority Pass Select lounge access

This lets you into over 900 lounges in over 400 cities worldwide. You can bring as many guests traveling with you as you’d like. You can also add an authorized user to your account ($75 per year), who will receive a separate card s/he can use.


No foreign transaction fees

You can use your card abroad without hassle – you won’t pay any foreign transaction fees on international purchases.

National Executive status

You can enroll in the National Car Rental Emerald Club, with Executive level status free of charge. Executive level status gets you an upgrade on every National rental. Just book the car class you want to upgrade, and National will charge you one car class lower automatically.

Silvercar discount

Get a 30% discount on 2 day or longer rentals when you use the code available when you login to your account on

Global Entry or TSA Precheck Fee Credit

You can get your application fee reimbursed as statement credit, up to $100 every 4 years.

Luxury Hotel Collection upgrades and benefits

Book via and you’ll receive daily breakfast for two, a special benefit unique to the hotel, a room upgrade if available, and early check-in / late check-out if available. Many of the rates are similar to those you’ll find on the hotel’s website.

Relais and Chateaux Elite status

Stay just 2 nights when you book via the Visa Infinite concierge and you’ll get elite status privileges, like room upgrades.

Travel protection

The Chase Sapphire Reserve is loaded with travel protection, like its sibling the Chase Sapphire Preferred. You can see the PDF of the full guide to protection benefits booklet here.

Overall, there are some nice improvements in the benefits vs the already strong ones offered on the Sapphire Preferred.

Here’s a rundown of the protection benefits offered by the Sapphire Reserve, compared to those on the Sapphire Preferred.

Sapphire ReserveSapphire Preferred
Auto collision damage waiverPrimary, up to $75,000 - no exotic exclusionPrimary, up to vehicle original value, exotic rentals like Porsche excluded
Purchase protection$10,000 per claim, up to $50,000 a year$500 per claim, up to $50,000 a year
Extended warranty$10,000 per year, up to $50,000 per account$10,000 per year, up to $50,000 per account
Trip cancellation / interruption$10,000 per person / trip, up to $20,000 per occurrence$10,000 per person / trip, up to $20,000 per occurrence
Price protection$500, up to $2,500 per year$500, up to $2,500 per year
Return protection$500 up to $1,000 per year$500 up to $1,000 per year
Lost luggage$3,000 per person$3,000 per person
Trip delay$500 for 6 hour+ delays$500 for 12 hour+ delays
Baggage delay$100 per day, 6 hour delay, up to 5 days$100 per day, 6 hour delay, up to 5 days
Travel accident insurance$1,000,000 $500,000
Emergency evacuation / transportation$100,000 None
Emergency medical / dental$2,500, $50 deductibleNone
Roadside assistanceFree, up to $50 per event, up to 4x per year$59.99 fee per service

The Sapphire Reserve comes with better Trip Cancellation (up to $10,000 per event, per person, vs $5,000 for the Sapphire Preferred), Trip Delay (kicks in on 6 hour delays, instead of 12 for the Sapphire Preferred), and Travel Accident coverage (up to $1,000,000).

It also offers these benefits not available on the Sapphire Preferred: Emergency Medical / Dental coverage, Emergency Medical Evacuation, and Roadside Assistance.

Here are the details of all the Sapphire Reserve travel protection benefits:

Primary auto collision damage coverage ($75,000). You are covered for up to $75,000 worth of damage to your car rental when you pay for the rental with your card. Since it’s primary coverage, you don’t have to file a claim with your own insurance for coverage. Most passenger card, SUVs, and minivans are covered, even exotic sports cars.  There are no country exclusions, though some countries may not allow credit card coverage for auto rentals, and in those cases collision coverage is generally included in the cost of a rental.

Check with your car rental provider before renting in another country.

Trip cancellation / interruption coverage ($10,000). If you can’t make a trip for a covered reason, like serious illness, or a relative passing away, you can be reimbursed for travel expenses that are nonrefundable.

Just book the travel with your card, and you’ll automatically be covered. Trips booked with points are also covered, but you need to pay for the taxes or fees with your card to activate the coverage.

Your immediate family is also covered, and that includes nieces, nephews, grandchildren, and aunts or uncles as long as you pay for their travel with your card.

The coverage is $10,000 per person, up to $20,000 maximum per trip.

Trip delay reimbursement ($500 per delay). If your flight is delayed 6 or more hours, you can be reimbursed up to $500 for hotel, food, and other reasonable expenses during your delay. You’re covered, as well as your spouse an dependent children under 22 when you book their travel with your card. Friends and other relatives are not covered by this benefit.

Baggage delay ($100 per day, up to 5 days). If your baggage is delayed at least 6 hours, you can be reimbursed for the cost of essentials like toiletries and clothes.

Lost luggage reimbursement ($3,000). If the airline loses your luggage, you can get reimbursed for the contents up to $3,000 per person ($500 for jewelry, watches, cameras, and other electronic equipment). Your immediate family members are covered, and that includes nieces, nephews, grandchildren, and aunts or uncles as long as you pay for their travel with your card, and you don’t have to be traveling with them.

Travel accident insurance ($1,000,000). If you or an immediate family member dies during a common carrier trip paid for with your card (like an airplane flight), your beneficiary or surviving family will receive $1,000,000.

Emergency evacuation / transportation ($100,000). If you become ill during a trip that’s at least 5 days long paid for with your card, and your condition warrants transportation to a new area for proper care or rehabilitation, you can be reimbursed up to $100,000 for the cost of evacuating you.

Note that the evacuation is not necessarily to your home city, but to the location the medical staff deems sufficient to give you appropriate care. And the coverage does not cover medical treatment, only the cost of transportation and care while you’re being transported.

You can also be reimbursed for the cost of a friend or family member flying out to visit you if you’re hospitalized for 8 or more days.

Emergency medical / dental ($2,500). If you’re on a common carrier trip 5 days or longer paid for with your card you can be reimbursed up to $2,500 for medical or dental expenses if you need emergency care during your trip. There’s a $50 deductible, and you can also receive up to $75 a day, up to 5 days to cover the cost of staying in a hotel room if a doctor advises you need to rest before you return home. Your immediate family is covered, even if they’re not traveling with you, as long as you buy their travel with your card.

Roadside assistance. You can get a battery boost, flat tire repair, tow, or fuel delivery covered up to $50 when you use the Cross Country Motor Club to arrange for the service. You can use the benefit up to four times a year.

Purchase coverage

Purchase protection ($10,000). If you buy something with your card and it’s stolen, damaged, or ends up some place out of reach, you can be reimbursed for replacement. Items that are simply lost with no known whereabouts are not covered. the coverage gives you up to $10,000 worth of reimbursement for the claim, up to $50,000 each year.

Extended warranty ($10,000). You can extend a warranty up to 1 year, for warranties of 3 years or less, so you could get coverage up to 4 years total and be covered for up to $10,000 per claim, and a maximum $50,000 per account.

Price protection ($500). If something you buy with the card is advertised at a lower price within 90 days of your purchase, you can get the difference reimbursed, up to $500. Online prices are okay for comparison as long as they’re not on auction sites like eBay.

Return protection ($500).  If you buy something with the card and the merchant won’t accept a return, you can be reimbursed for the cost of the item up to $500. You’ll then need to hand the item over the the benefits administrator in exchange for the reimbursement. You have up to 90 days after the purchase to use the benefit.

The following two tabs change content below.

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

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67 thoughts on Chase Sapphire Reserve benefits in-depth

  1. Kathleen


    I was recently in New Zealand and had to end the trip early due to a bungee jumping accident. The accident required me to see an eye specialist for around $100 in NZ and then rent a car to drive to the hospital for around $400. Is this something that would be covered under the policy?


      @Kathleen – Sorry to hear about that. Generally coverage is for nonrefundable pre-paid travel expenses like a hotel reservation or flight you don’t end up using. So probably not, but best to call the number on the back of your card to check.

  2. Jenn

    I’m looking to open a travel card to help pay for a trip from DC to Europe (trip will be to Spain and Croatia, perhaps Greece or Italy as well). If I open up the Reserve card now (Dec 20th), will I get the $300 travel credit for 2017 and 2018? Or do you only get the credit after you’ve hit the 4k in 3 months (which I won’t be able to do in the next 10 days). If I do get the travel credit, can I, say, transfer it to an awards program, and actually use it next year? I may book a flight to India in January, and would like to use a travel credit then, but also use one of the travel credits for Europe this summer. Any other advice on the best travel card, considering the trips I want to take? I only spend about 20-25k a year on my credit card, and currently have a Capital one Venture.


      @Jenn – It would be once based on your card anniversary. Whether it’s a good deal depends on whether most of your spending is on travel / dining. If it is then it’s a great option for you.


      @Tim – Best to call the number on the back of your card, but if it’s less than $10,000 of nonrefundable hotel costs that could be eligible. They might not handle things like lift tickets – so best to call the number on the back of your card to check your situation.

  3. Jim

    If I pay for a trip for a traveling companion (does not meet the definition of immediate family member), do they become an insured person? I read the booklet and see where the companion’s “issues” can trigger a claim for me (the insured person) but cannot determine if they are also insured.


      @Jim – Not that we’re aware of – but best to call the number on the back of your card to double check your specific situation.

  4. Dan

    I booked two flights that I need to cancel or change departure airports for.

    1: SFO to ATH
    2: OAK to BCN

    I am moving out of the country for work and cannot make SFO or OAK work. I would like a refund, or would settle for a flight change at no cost.

    Is there any way Sapphire Reserve will handle this? One trip was booked on UltimateRewards Points and one was purchased on the card.

    Please advise!


      @Dan – It depends on the rules of the airline. You probably wouldn’t be able to get a refund, but you might get a flight change for a fee to the airline.

  5. Bonnie

    I purchased 2 luggage from a company and they don’t want to refund me, it was close to $300 a piece The items were smaller than expected. Would the Reserve Return Protection work in this case?


      @Bonnie – It might – give a call to the number on the back of your card to check on eligibility.

  6. Susan Kaing

    Dear Sapphire Reserve:
    I would like to claim 1 night Hotel Conrad Maldives Rangali Island for $369.89 and 1 night hotel in MLE Newtown Inn for $80.00 due CX601 24May HKG-MLE delay for 3hours, when I got to MLE no more Seaplane. we missed the last seaplane from MLE to Conrad in Rangali Island. so we have to span a night at the Newtown in MLE on our own expense and we did not use the 1st night Hotel at Conrad..
    please kindly advise what is the procedure to claim it.
    conrad cfm#7260076376046 24may
    Newtown Inn inv no: 0300/2017
    tin No: 1022341gst001

    thank you

  7. Gaby

    I bought non refundable round-trip train tickets for two people on my card and it looks like we may no longer make the trip due to weather and plans changing. Is this something that I can get reimbursed for? There isn’t really anything I can hand over other than an email with the tickets attached.


      @Gaby – If the weather is severe enough to prevent travel, then maybe. Worth a call to the number on the back of your card to check.

  8. Hannah

    I booked one night in a hotel but my daughter got sick the morning of so i need to go to the dr. Does this count as travel? (Would we be reimbursed for sickness)?


      @Hannah – It might, though usually there needs to be a ‘common carrier’ ticket also involved, like a plane, train, or cruise ticket, but worth a call to the number on the back of your card to check the situation.

  9. Ming

    If I pay $75 to add another person to my account, what benefits do that new card holder get? The website only mentioned airport lounge privileges.

  10. Mona

    Is the Purchase Protection primary? Or Secondary? (most credit card issuers offer secondary coverage after having to submit a claim with primary insurance such as homeowners).

  11. gail kelly

    i bought an airline ticket with my Reserve card and on that trip my Mac Book Pro was stolen and i had to end my trip early and pay a $250 change fee then i had to buy a new Mac Book Pro $2,361. Is any of this covered by my Reserve card? Thank you


      @gail – Sorry to hear about that. If you paid for your stolen MacBook with the Reserve, and it’s been 6 months or less since you bought it, you might be able to get reimbursed for the loss.

  12. Robert McArdle

    Much of what is stated here in the promotion is what the card offers, the how/mechanic/process is a different matter. Im assuming that the # you keep referring to on the back of the card will put me in touch with a PERSON and they will help when Im in need. For example if an airline loses our luggage, we would call the # on the back for instructions. Do you need something from the airline to prove the luggage is lost? Is there a fax # to send this information (indiv may be in a foreign a/p with very little in way of assets and not speak the language), is it an automatic $3000 reimbursement? How does the company know what the loss is? Do we file after our trip? Is there filing? How quickly DO you reimburse, How DO you reimburse (credit on the cc or cash wired to the customer). Do you have 24/7 with coverage allowing the customer to talk with a PERSON, I understand this is somewhat anal but the customer service portion of the card is critical especially when the card holder is in need. My understanding is ANY purchase put on the card is at a minimum 1 point for 1 dollar, with travel and dining charges being 3x points for 1 dollar, please confirm. What can I expect as a cc rate for the card %?

  13. Alan Levinson

    At one time I was able to receive my credit score (I signed up for it as a free benefit of my Chase Sapphire Reserve card) But I no longer see it on the website. Any idea where that connection is?


      @Alan – That’s supposed to be only for Chase Slate cardholders. But anyone can see their FICO for free at

  14. Jordan

    My wife and I are purchasing a trip with my Reserve Card to hike to the summit of Mount Kilimanjaro; the peak is almost 20k feet. I’m told this is referred to as “high altitude trekking”. Is this scenario covered by chase or do I need to find supplemental travel insurance?


      @Jordan – Best to call the number on the back of your card for that specific one. It might, but worth a double check with your trip duration and other arrangements.

  15. Judi

    We purchased airline tickets to South Africa, and partial payments for hotels and safari and paid for them with the Chase Sapphire Preferred. Then we got the Chase Sapphire Reserve card, with which we paid for the remaining payments left for hotels/safari and additionally for a trek that we are taking. What travel coverage will we have should we need to make any claims, given that we used both cards? Should I assume that since the airline tickets were purchased with the Preferred, which does not offer emergency medical and evacuation, that we are not covered for those services?


      @Judi – You might have Reserve coverage since paying ‘in part’ activates some coverage. Best to call the number on the back of your card to check your situation.

  16. Al

    We are paying for a cruise. We actually used a different card to make the initial deposit. We are planning on paying the rest of the cruise in full with the Reserve sapphire (once we get it in the mail). Will we still be covered by the trip insurance even though we didn’t pay the whole cruise with the sapphire reserve?


      @Al – You should – paid ‘in part’ with the card is generally listed in the terms, but it’s really best to call the number on the back of your card to check your specific situation.

  17. Dora

    I bought broadway show tickets to take my sister out for her birthday. Just as it was about to begin, we had to leave because her daughter got sick. Any chance this is covered with any of the travel, purchase protections the saphire reserve card offers?


      @Dora – Sorry to hear about that. Unfortunately no as the show ticket wouldn’t be considered a travel purchase.

  18. KG

    Is there any analysis to show what kind of gap coverage might be advisable for international trips for medical evacuation and coverage beyond what is provided?

  19. jack

    If my parent who is not going to the trip got sick and I have to stay behind and take care of her. Will I be covered in that situation?

  20. Annie

    I left my iPhone at a wedding venue during a trip that I purchased on my Sapphire Reserve Card. Is there any way I could claim for the lost iPhone?


      @Annie – If you didn’t buy the phone with your card you wouldn’t be covered. If you did, it might be covered under purchase protection if you know exactly where the phone is, but it’s impractical to recover.

  21. Brian

    So Chase is saying my trip which was cancelled mid trip due to the Shooting at Ft Lauderdale airport doesn’t classify as terrorism so won’t kick in the trip cancelation/delays coverage despite JetBlue canceling my flight home (airport was shut down for obvious reasons).

    Anyone have any suggestions?


      @Kelly – Sorry to hear about that. You might be able to use Return Protection within 90 days of the purchase if the store won’t take it back, but the limit is $500 per item for that. Best to call the number on the back of your card to check on it.

  22. Neuts

    I paid my travel deposit with another credit card. If I use the Chase Sapphire Reserve card to pay off the balance will I still get the travel benefits/cancellation coverage for that trip?


      @Neuts – Best to call the number on the back of your card for your situation, but if it’s ‘common carrier’ travel (like a scheduled flight or cruise) then paying for part of it with the card can activate.

  23. Disappointed

    Chase Sapphire Reserve Trip Delay Reimbursement is bullshit.
    I missed my connection flight so spent a night at the hotel, but they said it is not eligible to claim.
    Following events are equipment failure, inclement weather, labor strikes, and hijacking or skyjacking.

    Seriously? Do you need to experience hijacking to get trip delay reimbursement?

    I’m really disappointed about Reserve card since this happen. I have no doubt that if I had an Amex platinum, they would reimburse without asking any question. I might go back to Amex next year. : (

    You can see more information for the benefit in detail.*~hmac=0a47d9a92f2d4e86e5799746cd931d56ef178e556eee78a3f3636ef66137517e

    1. Brian

      Sorry dude, missed connections are not included in the Chase protection terms; in fact, I rarely see it in any travel protection plan. I’ve used it twice. My return flight from SFO back to DFW was delayed 12 hours due to “pilots needed to rest”, and so I got a military excuse from the customer service desk and took an Uber to the Marriott Waterfront. Had a nice steak dinner and breakfast (alcohol and tips are not included). Totaled out to ~$450, Chase picked up the tab.
      Second time was a return flight from Boston. Snowstorm caused the flight to be canceled. I took an Uber to the chic W Hotel and got myself a room and was upgraded to a mega room for using my CSReserve Visa Infinite card. Chase covered it, no questions asked.

      Is it bullshit? For you, yes. But for me, I play by the rules and read every single word in the terms and conditions.


      @Jo Anne – Yes you could be covered for trip cancellation if you for example get very ill and can’t make a cruise purchased with your card.

  24. Lltt

    Could you explain more about the trip cancellation? Except paying the tax, how much fee of a booking that could help to activate the coverage,while part of the Trip is paid with points?



      @Mike – Your immediate family members like your spouse are covered if their travel was paid for with your card.

  25. Chance

    How long is the purchase protection good for? I see it listed with up to $10,000 in the event an item is stolen but do not see any talk about how long it last for.

  26. Lisa

    How does the Reserve Card compare to Travel insurance offered by AAA and other travel insurance companies? What are the exclusions for reasons?


      @Lisa – Allianz Global Assistance is the provider some AAA chapters use. For example compared to Allianz’ Classic plan, the Allianz plan has a somewhat higher medical limit and is more flexible about paying to get you back home if your trip gets interrupted midstream. It also covers pre-existing conditions, which the Chase coverage does not, and will cover a limited amount for a missed connection for a cruise departure.

      But the Chase coverage tends to have a higher coverage amount for things like refunding your trip if you get very ill prior to travel.

      Allianz will charge about $300 to cover an $8,000 cruise to keep things in perspective.


      @Cheryl – Chase Sapphire cards do not have free checked bag benefits. But the Chase Sapphire Reserve has a $300 travel credit each year, and you can use that to get reimbursed for checked bag fees.

  27. Den

    Thanks for the detailed post! Quick question: Does the “$500 Return protection” include furniture? Would a recliner be considered an “eligible item” for return protection? I’m not sure where to find this in the fine print.


      @Den – There’s no specific exclusion for new furniture but best to call the number on the back of your card before relying on the benefit. Used items are specifically excluded.

  28. Ceecee

    Does anyone have any experience with Chase’s customer service on loss or damage protection? We’ve held the Costco Amex for years and used it once or twice for things we’ve accidentally broken in the first 90 days of openership and they have been awesome. Then Costco switches to Citi and I filed and claim so something that I would consider a “slam dunk” and it was denied. I just got approved for the CSR and would love to feel covered for mishaps again–I’ll toss this Costco Visa.

  29. Nick

    Re: trip delay insurance

    I noticed that the trip delay insurance notes it covers “reasonable” expenses. Does this limit what hotel or restaurant I go to with the $500 coverage per ticket?

    ie. If my and my wife’s trip is delayed can I go out for dinner for $300 and get a $500 hotel room even through the city have cheaper food and lodging available?

    Thank You


      @Nick – There are no explicit limits, though having a Michelin star meal and staying at a top luxury hotel probably isn’t in the spirit of the benefit.

  30. Sam

    Good to have evacuation coverage. But folks should read the fine print, as it often amounts to evacuation to nearest medical coverage. Break a leg trekking on Nepal may just get you to Katmandu, not home.

    Still good to have.


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