Or, consider other cards for 50,000 more miles or points that transfer into United miles with additional flexibility for your everyday spending.
Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening.
$1,000 toward travel or transfer to United, Southwest, and more.
That's $750 toward travel when you redeem through Chase Ultimate Rewards® or 1:1 point transfer to leading airline and hotel loyalty programs.
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.
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.
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.
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.
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.
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.
You can use your card abroad without hassle – you won’t pay any foreign transaction fees on international purchases.
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.
Get a 30% discount on 2 day or longer rentals when you use the code available when you login to your account on Chase.com.
You can get your application fee reimbursed as statement credit, up to $100 every 4 years.
Book via lhrcollection.com 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.
Stay just 2 nights when you book via the Visa Infinite concierge and you’ll get elite status privileges, like room upgrades.
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 Reserve||Sapphire Preferred|
|Auto collision damage waiver||Primary, up to $75,000 - no exotic exclusion||Primary, 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 deductible||None|
|Roadside assistance||Free, 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 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.
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