chase sapphire reserve airbnb travel insurance

Chase Sapphire Reserve ® Credit Card

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

  $1,000 one thousand dollars partnership value

  $300 travel credit

New cardmember offer

60,000 75,000 75,000 not 60,000 bonus points.

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

At a glance

Exceptional travel rewards and benefits.

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

Interest Rate

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

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

Travel Credit Card Rewards & Benefits

New cardmember offer, 75,000 bonus points.

after you spend $4,000 on purchases in the first 3 months from account opening. * Opens offer details overlay That's $1,125 toward travel when you redeem through Chase Travel.

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

Partnership Benefit

$1,000 in additional partnership benefit value.

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

Travel Credit

$300 annual travel credit.

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

Earn Rewards

More ways to earn.

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

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

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

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

Get 50% more value when you redeem for travel through Chase. For example, 75,000 points are worth $1,125 toward travel. * Opens offer details overlay Plus, ultimate rewards points do not expire as long as the account is open. * Opens offer details overlay

No Expiration

Complimentary airport lounge access.

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

application fee credit

Global entry or tsa precheck ® or nexus fee credit.

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

Explore Additional Benefits

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

Turn Points into Travel Experiences and So Much More

50% More in Travel Redemption

Get 50% more value when you redeem for travel through Chase Travel. For example, 75,000 points are worth $1,125 toward travel. * Opens offer details overlay

No Blackout Dates or Travel Restrictions

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

1:1 Point Transfer

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

Ultimate Rewards Points Do Not Expire

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

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

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

Premium travel benefits Opens drawer that reveals additional content

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

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

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

The Edit SM

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

Reserved by Sapphire

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

24/7 access to Customer Service Specialists

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

Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits

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

Travel protection Opens drawer that reveals additional content

You're covered with built-in benefits

The most comprehensive suite of travel benefits

Auto Rental Collision Damage Waiver

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

Trip Cancellation/Interruption Insurance

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

Trip Delay Reimbursement

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

Travel Accident Insurance

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

Travel and Emergency Assistance Services

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

Lost Luggage Reimbursement

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

Baggage Delay Insurance

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

Emergency Evacuation and Transportation

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

Roadside Assistance

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

Emergency Medical and Dental Benefit

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

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

Partner benefits Opens drawer that reveals additional content

Earn more points.

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

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

DashPass subscription

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

Instacart benefit

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

Purchase coverage Opens drawer that reveals additional content

Purchase protection.

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

Return Protection

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

Chip-enabled for enhanced security

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

24/7 Fraud Monitoring

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

Zero liability protection

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

Extended warranty protection

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

Chase Pay Over Time SM Opens drawer that reveals additional content

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

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

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

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

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

Spend Instantly Opens drawer that reveals additional content

Apply for a card, use it the same day.

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

Cardmember Reviews

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

Submitted by: garry

Amazing Travel Card

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

Submitted by: Military Family

Awesome Travel Credit Card

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

Submitted by: Road Warrier

Curious about the Chase Sapphire Reserve ® credit card?

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

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

75,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

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

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

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

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

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

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

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

Earn $5 monthly DoorDash/Caviar Credits through 12/31/2024: Get $5 in DoorDash/Caviar credits each calendar month while enrolled in DashPass through 12/31/2024. When applied to an order, the $5 credit will apply only to the subtotal of your DoorDash or Caviar order at checkout. The credit does not apply to fees, taxes, or tip and gift card purchases are excluded. You or up to 7 authorized users must be enrolled in DashPass and use your Chase Sapphire Reserve or J.P. Morgan Reserve card for payment at checkout to receive the credit. Once you spend the issued credits on one platform (e.g., DoorDash), it will be automatically deducted from your balance on the other (e.g., Caviar). Any monthly credit issued before you create an account on the other platform will only be available on the original platform for that month. Once you have accounts opened on both platforms, any credits issued will be available for onetime use on either DoorDash or Caviar. Your credit balance may be different on each platform, but your credit usage will still be linked from that point on. If a credit is not used within the calendar month, it will be carried over for a maximum of 2 months. Up to $15 in credit can be accrued before a $5 credit expires. DoorDash credits have no cash value and are non-transferable. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Credit card product changes during the promotional period will forfeit this offer. Additional DoorDash promotional terms and conditions available at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US . All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for 12 months (for Chase Sapphire Reserve and J.P. Morgan Reserve cardmembers) when the membership is activated on http://www.instacart.com/chase with an eligible card between 6/15/2022 and 7/31/2024. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). This offer is non-transferrable. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart's membership include no delivery fee on orders that total over $35 (amount subject to change – see Instacart.com for current minimum); however, other fees, taxes, and/or tips may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, unless you have not placed any orders or you cancel during your complimentary Instacart+ membership period. If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. Cancellation goes into effect during the next billing cycle. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default.

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

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

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

Book Through Chase Travel: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth $.0150 (one and a half cents), which means that 100 points equals $1.50 in redemption value, and points are worth 50% more than if redeemed for cash. For example, 75,000 points are worth $1,125 when redeemed for travel purchases, or $750 when redeemed for cash. The cost of travel is based on the rates and fares available through Chase Travel, including the online portal and call center, and may not reflect all rates and fares that are available through other sales channels. If you choose to use points and your Chase Sapphire Reserve credit card to pay for your purchase, each point will be worth $.0150, but your credit card will be charged the full remaining dollar amount.

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

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

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

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

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

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

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

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

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

$300 Travel Credit

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

Reserve Partner Value Modal

Lyft Pink Membership

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

DoorDash DashPass Subscription

Get a complimentary access to DashPass - a membership for both DoorDash and Caviar —a value of $120 for 12 months - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of 12 months when you activate by Dec 31, 2024. * Opens offer details overlay

Monthly DoorDash Credit

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

Instacart Membership

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

Monthly Instacart Credit

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

Priority Pass Select Membership

Enjoy a complimentary Priority Pass Select membership at 1,300+ VIP airport lounges worldwide —a value of $469 /year. * Opens offer details overlay

10x on Peloton Purchases

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

DoorDash Dashpass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar —a value of $96/year - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2024. * Opens offer details overlay

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

Quarterly Instacart Credit

Sapphire Preferred Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay

5x on Peloton Purchases

Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. That's $75 when you purchase a Peloton Bike and redeem for cash. * Opens offer details overlay

5x total points on Lyft

Earn 5x total points on Lyft rides through  March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

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Credit cards

Chase Sapphire travel insurance benefits 2024

Stella Shon

Robin Saks Frankel

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

Updated 10:57 a.m. UTC Nov. 14, 2023

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The Chase Sapphire suite of cards are some of the best credit cards for travel available. In addition to excellent rewards and redemption opportunities, they also offer a catalog of travel insurance benefits that can be paramount in the event of an emergency.

Whether your flight is canceled or your rental car gets a flat tire, you can tap into the complimentary benefits that come with ownership of the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® . In this guide, we’ll take a comprehensive look at these coverages and limitations, as well as the steps to file a claim.

Chase Sapphire Preferred® Card

Welcome bonus.

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

Regular APR

Credit score.

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

Editor’s take

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

Card details

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Chase Sapphire travel insurance overview

Chase is one of the most generous issuers when it comes to offering travel insurance benefits, particularly for its travel-focused Sapphire cards. The $95-annual-fee Chase Sapphire Preferred Card and the $550-annual-fee Chase Sapphire Reserve offer high coverage limits and industry-leading reimbursement terms, surpassing most other travel credit cards.

What Chase Sapphire travel insurance covers

To qualify for any of these complimentary protections, you must use your Chase Sapphire card to pay for a portion or all of your travel expenses, like your flight, hotel or rental car. Depending on the coverage, your immediate family members may also qualify for reimbursement — even if you’re not traveling with them.

Thinking about adding an authorized user to your Chase Sapphire Preferred card? Here are the benefits of adding a family member or trusted friend to your Sapphire Preferred .

Trip cancellation and interruption insurance

If you need to cancel your trip or it’s interrupted due to an unforeseen circumstance, the Chase Sapphire cardholder and immediate family members can receive up to $10,000 per person and up to $20,000 total per eligible trip in reimbursement. 

If your claim is approved, trip cancellation and interruption insurance will provide reimbursement for non-refundable travel expenses, including flights, accommodations, excursions, and cruises. If you paid your travel expenses with Chase Ultimate Rewards® points , Chase will reimburse you at a rate of 1 cent per point.

For this benefit, your immediate family members do not have to be traveling with you as the primary cardholder, although you will have needed to pay for at least some of their travel expenses to qualify. Here are some examples of situations where trip cancellation and interruption insurance may kick in:  

• Accidental injury, illness or death.
• Severe weather.
• Change in military orders for you or your spouse.
• Jury duty. 
• Permanent residence or travel accommodations become uninhabitable.
• Organized public transportation strike.

Trip delay reimbursement

Next time you’re stuck in a rolling delay by a common carrier, you and your family members can be covered for reasonable expenses like meals, lodging and toiletries with trip delay reimbursement. 

The Chase Sapphire Preferred provides up to $500 in reimbursement for each ticket when you are delayed more than 12 hours or requires an overnight stay. The Chase Sapphire Reserve provides the same coverage limits, but offers reimbursement for delays of six hours or more (or requires an overnight stay).

Baggage delay insurance

If you don’t receive your baggage for more than six hours, you can receive up to $100 per day — for a maximum of five days total. Baggage delay insurance will reimburse you to help purchase essential items that you may need in your bag, like clothing, toiletries, chargers, and more. This coverage applies to you and immediate family members that are impacted by delayed or misdirected baggage. 

Lost luggage reimbursement

On a similar note, if your luggage is lost by the common carrier altogether, this coverage can help to recoup some of those costs with your carry-on or checked bag. 

With either Chase Sapphire card, you can receive up to $3,000 per covered person per trip. It’s worth noting that within this coverage, there’s a $500 limit for jewelry and watches, as well as another $500 limit for cameras and other electronic equipment. 

Primary rental car insurance

When renting an eligible car for up to 31 days, Chase provides primary rental car insurance that covers theft and damage. The coverage limits are slightly different between the Chase Sapphire cards. While the more premium Chase Sapphire Reserve provides up to $75,000 in coverage, the Chase Sapphire Preferred provides reimbursement “up to the actual cash value of most rented cars”.

In either case, you’ll need to pay for the entire car rental with your Chase Sapphire card and decline the rental car company’s collision damage waiver as “accepting this coverage will cancel out your benefit”.

Roadside assistance

Chase offers a complimentary roadside assistance referral program for Sapphire Reserve cardholders that’s available 24/7 within the U.S. and Canada. Whether you’re driving your own car or a rental vehicle, cardholders can contact the Cross Country Motor Club at 1-866-7978 for towing, jump starts, fuel delivery and more. You can receive up to $50 in reimbursement for up to four service events per year.

On the other hand, Chase Sapphire Preferred cardholders can reach out to a pay-per-use roadside dispatch program, available 24/7 within the U.S by calling 1-800-847-2869. Cardholders are required to pay for all services rendered at a pre-negotiated fee. 

Travel and emergency assistance services

The Chase Sapphire cards offer travel and emergency assistance services to the primary cardholder, as well as spouse and dependent children under the age of 22, even if they’re not traveling with you at the moment. 

Travel and emergency assistance services can provide medical or legal referrals, or transportation coordination 24/7, but like roadside dispatch, the cardholder is financially responsible for any services rendered. 

What Chase Sapphire travel insurance doesn’t cover

While each coverage comes with specific details outlined within each benefits guide, here’s an overview of some noteworthy exclusions: 

• Trip cancellation and interruption insurance does not cover a change in plans or financial circumstances; pre-existing conditions; travel during civil unrest or war; failure to obtain necessary travel documents; and more.
• Trip delay reimbursement does not cover delays due to a covered hazard made public or prepaid expenses related to your covered trip.
• Baggage delay insurance does not cover prosthetic devices; any loss resulting from war or civil unrest; money and securities; and more.
• Lost luggage reimbursement does not cover items that have been removed from carry-on luggage by you or inadvertently left behind; money and securities; and more.
• Primary rental car insurance does not cover rentals over 31 days; as well as high-value vehicles (Chase Sapphire Preferred); antique vehicles; cargo vans; motorcycles or mopeds; limousines; and more.

Additional coverage by the Chase Sapphire Reserve

While the Chase Sapphire Reserve® comes with a costly $550 annual fee, this premium travel card offers a leg up on the Chase Sapphire Preferred® Card , providing a few additional benefits when traveling:

• Emergency evacuation and transportation: This benefit can cover up to $100,000 in necessary emergency travel evacuation and transportation services for you, your spouse, and eligible dependent children as a result of injury or sickness. 
• Emergency medical and dental benefit: You can receive up to $2,500 for emergency treatment and medical expenses for accidental injury or illness, subject to a $50 deductible. 
• Travel accident insurance: You can receive reimbursement for accidental death, dismemberment, or a combination of loss of speech, sight or hearing, up to $1 million when traveling on a common carrier, or up to $100,000 during your trip. While the Sapphire Preferred also offers this benefit, the common carrier coverage amount is lower. 

How Chase Sapphire travel insurance works

Each coverage has specific terms and criteria you’ll need to meet before filing a claim with supporting documentation. For example, you can qualify for trip cancellation and interruption insurance by paying a portion of your travels with a Chase Sapphire card, while primary auto collision damage waiver requires you to pay for your entire rental with the card. 

Once you submit your claim and it’s approved by the benefits administrator, you can receive reimbursement up to the coverage limits stated. If you’re interested in learning more about each coverage, you’ll want to review the benefits guide for the Chase Sapphire Preferred and the Chase Sapphire Reserve to see a full list of limitations. 

How to claim your Chase Sapphire travel insurance

If you’re ready to file a claim, you’ll need to provide your documentation within the deadlines below or “as soon as reasonably possible” by calling the Benefits Administrator or starting your claim online via www.eclaimsline.com .  

• Trip cancellation and interruption insurance: Start your claim within 20 days of the cancellation or interruption; then, fill out a form and provide documentation within 90 days.
• Trip delay reimbursement: Start your claim within 60 days of the incident; then, fill out a form and provide documentation within 100 days.
• Baggage delay insurance: Start your claim within 20 days of the delay; then, fill out a form and provide documentation within 90 days. 
• Lost luggage reimbursement: Start your claim within 20 days of the incident; then, fill out a form and provide documentation within 90 days.
• Primary rental car insurance: Start your claim within 100 days of the incident; then, submit the documentation within 120 to 365 days. 
• Emergency evacuation and transportation (Chase Sapphire Reserve only): Call the Benefits Administrator immediately; then submit a claim and documentation within 180 days.
• Emergency medical and dental benefit (Chase Sapphire Reserve only): Call the Benefits Administrator within 90 days of receiving medical care; then submit a claim and documentation within 180 days.
• Travel accident insurance: Call the Benefits Administrator within 20 days of the incident; then submit a claim and documentation within 90 days. 

Chase Sapphire Preferred vs. Sapphire Reserve: What’s the difference?

While the Chase Sapphire Reserve offers a bit more well-rounded travel coverages, we’ll also compare the rest of the Reserve card’s benefits to the Chase Sapphire Preferred’s travel benefits .  

Frequently asked questions (FAQs)

You can file a claim anytime by visiting www.eclaimsline.com . Chase Sapphire Preferred cardholders can call 1-888-320-9961 (within the U.S.) or 1-804-673-1691 (international), while Chase Sapphire Reserve cardholders can call 1-888-675-1461 (within the U.S.) or 1-804-281-5772 (international). 

The Chase Sapphire cards only offer insurance for qualifying travel and not for events. 

As long as you pay a portion or all of your travel expenses with your Chase Sapphire card, you are eligible to receive complimentary travel insurance with the coverage limits stated above. 

Chase Sapphire cards won’t provide reimbursement for missed flights, unless the situation meets the terms of trip cancellation and interruption insurance or trip delay reimbursement for situations that are outside of your control. 

It’s not required to notify Chase prior to traveling, but you can set up a travel alert on your card if you’re traveling outside of your state or country over the phone, online, through a mobile app or in person.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Stella Shon is a freelance writer that connects the dots between personal finance and travel. Her work has appeared in The Points Guy, ValuePenguin and MoneyUnder30, and she's been interviewed by The New York Times, CNBC and more.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Chase sapphire travel insurance: what it covers and how to use it.

Chase Sapphire cards provide protection for trip cancellations, trip delays, lost luggage, and more. Here’s your guide to everything this insurance does for you.

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Whether you're traveling domestically or abroad, going on a trip is an exciting way to see the world. But it can also be expensive, and the last thing you want is to end up losing your money if something goes wrong with your planned vacation.

The good news is, if you pay for your trip with your Chase Sapphire Preferred ® Card or Chase Sapphire Reserve ® , you should have coverage if your trip is cancelled or delayed or if you experience certain other losses along the way.

There are details you need to be aware of to take advantage of Chase Sapphire travel insurance, though, so it's important to read the fine print to make certain you're able to use this important cardholder benefit if something goes wrong. This complete guide to Chase Sapphire insurance will help you understand what you need to know.

What is travel insurance?

Quick look: chase sapphire travel insurance.

• Chase Sapphire Preferred travel insurance
• Chase Sapphire Reserve travel insurance

How to file a claim with Chase

Faqs about chase sapphire travel insurance, bottom line on chase travel insurance.

Travel insurance broadly refers to insurance that provides reimbursement when you suffer losses in conjunction with a trip. But lots of different things could go wrong when you’re traveling, so there are different kinds of insurance that cover different major and minor calamities. Although you can buy travel insurance through an agency or insurance company, many travel credit cards come with different types of travel insurance as an included benefit.

Some of the different types of travel insurance you may want when traveling include:

• Travel delay insurance : This covers you when your common carrier (cruise line, airline, tour operator, etc.) is delayed and you get stuck somewhere for a long time or you have to stay somewhere unexpected overnight.
• Trip cancellation insurance: If your trip is cancelled for a covered reason, such as severe weather, this insurance provides you reimbursement for non-refundable expenses.
• Baggage delay insurance: If your bags are delayed for a long time, this insurance covers costs you'll incur for essential purchases such as clean clothing and toiletries.
• Lost luggage insurance: If your baggage never shows up at all, you can get reimbursed for your lost luggage and the stuff inside it.
• Car rental insurance: Car rental insurance can cover you if your rental vehicle is lost, stolen, or damaged
• Roadside assistance: If you get stuck on the road, roadside assistance can come to your rescue and provide a tow, tire change, or other help.
• Travel accident insurance: If you get into an accident or die while on a trip, travel accident insurance can provide a payout to you or your loved ones.

Chase offers some of these insurance benefits, but there are differences in coverage when you compare the Sapphire Preferred vs. the Sapphire Reserve . This could impact which card you use to make a travel-related purchase or which card you apply for to begin with.

The table below shows some of the details about the travel insurance benefits on the Chase Sapphire Preferred and the Chase Sapphire Reserve cards.

Each of these different kinds of coverage come with limitations, restrictions, and qualifications that are important to be aware of if you're relying on the protections Chase is offering. Let's look at each type of coverage on each card in a little more detail.

Chase Sapphire Preferred ® Card travel insurance

While the benefits of the Chase Sapphire Preferred cover a number of different aspects, the travel benefits are a big draw for most cardholders. Here's what you need to know about using your travel insurance benefits available on the Chase Sapphire Preferred card.

Trip delay reimbursement

This provides coverage for the cardholder, the cardholder's spouse or domestic partner, and the cardholder's dependent children ages 22 and under when the trip is paid for with the Chase card. This coverage applies if your trip is delayed more than 12 hours or an overnight stay is required due to a delay.

Coverage is limited to one delay per covered trip and delays are covered only if they are caused by a common carrier and are in a city away from the cardholder's home. The maximum of $500 in benefits can be spent on reasonable expenses for meals, lodging, toiletries, medication, and other personal items. To be considered for reimbursement, the cardmember must notify Chase within 60 days of the delay.

Trip cancellation insurance

Cancellation insurance covers the cardholder and immediate family members if a trip is interrupted on the way to the point of departure or after you've left. It also provides coverage if a trip has to be postponed for a covered reason and fees are incurred due to rescheduling.

Covered losses include severe weather; terrorist actions; jury duty; court subpoenas; or accidental bodily injury, death, or sickness of the cardholder, immediate family, or a traveling companion. The cardholder doesn't need to be traveling with family for them to be covered, but the trip must be paid for by the Chase card.

The benefit is limited to $10,000 per covered trip and $20,000 per occurrence and benefits paid can't exceed $40,000 over 12 months. So if a family of five goes on a $30,000 trip, the maximum coverage is still $20,000 even though each individual family member would theoretically be entitled to $10,000 in reimbursement.

The coverage is secondary to other travel insurance or reimbursement from others, so if your cruise line or travel insurance policy offers any reimbursement, you have to go through them first.

Baggage delay insurance

The cardholder, spouse or domestic partner, and immediate family members are covered if a common carrier delays luggage for six or more hours. This coverage provides up to $100 per day for a maximum of five days to pay for essentials such as clothes, toiletries, and one cell phone charging cable.

This insurance is secondary to other reimbursement or travel insurance coverage, so claims have to be made with those other providers first. To get reimbursement from Chase, you have to file your claim within 20 days of the delay.

Lost luggage insurance

Checked and carry-on baggage are both covered, along with personal property in your suitcases or bags. The cardholder and immediate family members are covered, even if the cardholder isn't traveling with the family members.

The insurance provides up to $3,000 per insured person on each covered trip; however, coverage for jewelry, watches, and electronics is limited to $500 per person and there's no coverage for loss of money or travelers checks or for losses resulting from a war.

Claims have to be made within 20 days of the occurrence and the loss must have been reported to the carrier in a timely manner. Coverage is secondary, which means you have to try to get reimbursed by any other primary travel insurance or by the occupancy provider (hotel, etc.) or common carrier first.

Car rental insurance

The Chase cardholder and additional drivers on the rental agreement are covered by this policy, which provides reimbursement for collision or theft for rental vehicles in the U.S. and abroad. Coverage is secondary in your own country when renting for personal reasons, so you have to make a claim on your other auto insurance first. This isn't required if you're renting abroad.

You're covered for up to the actual value of the rental car, but won't be covered if you're renting the car for more than 31 consecutive days. Chase also excludes expensive, exotic, and antique automobiles as well as trucks, recreational vehicles, and large vans.

Travel accident insurance

If you pay with your Chase card, you're covered for $500,000 in benefits for loss of life if you have an accident while on a common carrier. You'll also get a payout for dismemberment or a loss of speech, sight, and hearing. The amount you get will depend on your injuries. If you have an accident at any other time, your maximum coverage is $100,000 for loss of life and you get partial compensation for dismemberment up to $100,000, depending on what injuries you sustained.

The cardholder and immediate family members are covered even if the cardholder isn't traveling with them as long as the cardholder files a written claim within 20 days of the incident. But if multiple eligible people are hurt, coverage can't exceed twice the applicable benefit amount ($500,000 or $100,000) and the total amount will be divided up among the eligible injured people.

Emotional distress is not covered, nor are injuries or deaths sustained in the commission of illegal acts or when car racing, parachute jumping, or participating in sports activities where potential prizes are at stake.

Bottom line on Chase Sapphire Preferred travel insurance

The Chase Sapphire Preferred provides similar travel insurance benefits to the Sapphire Reserve, which we’ll discuss in detail next. But with the Sapphire Preferred, your trip delay insurance doesn't kick in until 12 hours have passed instead of six with the Reserve and your travel accident insurance offers $500,000 in coverage instead of $1 million. You also won't get roadside assistance, though you can use roadside dispatch if you pay for it.

On the plus side, the Chase Sapphire Preferred card comes with a much lower annual fee ($95) than the Sapphire Reserve ($550). The Sapphire Preferred card also offers plenty of other travel-related benefits, including 5X points on travel purchased through Chase Travel℠,  2X bonus points on other travel purchases, and a 25% points bonus when you redeem your rewards for travel through the Chase Travel℠ portal .

Overall, the Chase Sapphire Preferred is a great choice for frequent jetsetters who want to be protected in case of a problem on their trip.

Chase Sapphire Reserve ® travel insurance

The benefits of the Chase Sapphire Reserve are plentiful, and there’s no shortage of travel-related perks with this card. Here's what you need to know about using the travel insurance benefits you're provided with as a Chase Sapphire Reserve cardholder.

When your common carrier delays your trip for six or more hours or a delay requires an overnight stay, you'll get up to $500 in coverage per purchased ticket. Cardholders, their spouses or domestic partners, and dependent children under age 22 are all covered.

However, coverage is limited to one covered hazard per trip, and you won't be covered for prepaid expenses or for covered hazard delays you knew about before departing. You have just 60 days to provide notice after a covered delay and you'll be reimbursed for reasonable additional expenses only.

This coverage kicks in if you can't go on your trip before it starts due to a covered loss. The cardholder and immediate family are covered even if the cardholder doesn't go along on the trip with family.

The maximum payout is $10,000 for each covered trip and $20,000 for each covered incident, with an aggregate maximum payout of $40,000 over a 12-month period. This means if a three-person family goes on a trip that costs $10,000 each, they would be entitled to a maximum payment of $20,000 if the trip is cancelled for all of them for a covered reason, even though they'd be out $10,000 that wasn't reimbursed.

Claims have to be made within 20 days after the occurrence that causes the trip cancellation, and there must have been a covered reason for cancelling such as severe weather; jury duty or a subpoena that can't be postponed; or accidental injury or death of the cardmember, an immediate family member, or a traveling companion. Coverage is secondary to other travel insurance or reimbursement from the common carrier or occupancy provider.

The cardholder, spouse or domestic partner, and immediate family members get up to $100 per day in coverage when a common carrier delays a bag for more than six hours. This $100 can be used to purchase one cell phone charging cable, clothing, toiletries, and other essential personal care items.

The cardholder has to file a claim within 20 days of the loss and reimbursement from Chase comes only after exhausting other travel insurance or seeking funds from the common carrier.

The cardholder and immediate family can be reimbursed up to $3,000 per person per trip for checked bags or carry-ons that are lost by a common carrier. Claims have to be made on other travel insurance policies or with the carrier first, though, and coverage is limited to $500 per person per covered trip for jewelry, watches, and electronics.

The cardholder has to report the loss right away to the common carrier and to Chase within 20 days and no coverage is provided for travelers checks, money or security, or losses resulting from war.

This provides reimbursement for up to $75,000 in losses for the cardholder and additional drivers if a rental vehicle is in an accident or stolen. The reservation for the car rental can't exceed 31 consecutive days, and expensive or antique vehicles are excluded.

The insurance coverage is primary, so there's no need to file a claim with other insurance first, but the entire rental transaction has to be completed with Chase and you have to decline the rental company’s auto rental collision damage waiver or loss damage waiver.

Roadside assistance

The cardholder and anyone driving a vehicle the cardholder owns or leases is eligible for roadside assistance 24/7. Coverage includes battery charges, flat tire changes, fuel delivery, help if you're locked out, and towing.

You're covered for a maximum of $50 per service event and get a maximum of four service events annually. If you're in an off-road area or in a place not regularly traveled, you won't be covered.

The cardholder and immediate family members get up to $1 million in coverage for accidents on a common carrier and $100,000 in coverage for other types of accidents on a trip. The $1 million is reserved for loss of life but a partial payout is available for dismemberment, loss of speech, loss of sight, or loss of hearing. The specific amount you'll receive depends on the nature of your injuries.

Chase doesn't provide payments for emotional trauma; dismemberment or death during a war; if you're hurt or killed during an illegal act or while on an aircraft not certified by or registered with the government; or if you get hurt racing cars, parachute jumping, or participating in competitive sports.

Bottom line on Chase Sapphire Reserve travel insurance

If you want coverage for shorter trip delays, need roadside assistance or want more travel accident insurance coverage, the Chase Sapphire Reserve is the ideal card for you.

The Sapphire Reserve also has a $550 annual fee, though. While you’ll earn 5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases, and you’ll also enjoy a 50% redemption bonus when you redeem your Chase Ultimate Rewards through the Chase travel portal, you'll want to make sure other cardholder perks — such as a $300 annual travel credit and statement credit for TSA PreCheck or Global Entry application fees — make this card worth your while.

If you’re a regular traveler wanting to take advantage of the travel insurance protections this card offers, then the Chase Sapphire Reserve might be the best travel credit card to have in your wallet.

If you believe you have a valid claim under Chase's travel insurance, call 800-356-8955 to request a claim form. You can also submit a claim online at eclaimsonline.com .

To file your claim:

• Start by selecting the type of claim you wish to file
• Provide your personal details including your contact information
• Input details about your claim, including the type of loss you endured and the amount of financial damage you're seeking reimbursement for
• Be prepared to upload documentation such as receipts from expenses incurred; a statement from your common carrier detailing your delay or its refund or cancellation policy; a copy of your original tickets or receipts; and, if necessary, proof you filed a claim for reimbursement from your common carrier, auto insurer, or travel insurer
• Confirm the details and submit your claim

Chase may contact you to request that you provide additional details or documentation to support your claim.

Does Chase Sapphire cover missed flights?

Chase provides reimbursement for its list of covered losses only. Although you could potentially get some airfare costs covered if your airline delays your flight long enough that you miss your connection, you won't be covered by Chase if you simply get to the airport late and miss your flight.

Does Chase Sapphire travel insurance cover jury duty?

According to Chase, jury duty is a covered reason for cancelling your trip. So, your trip cancellation or trip interruption insurance provided by Chase should protect you from losses in the event that you are called to jury duty.

Does Chase travel insurance cover my immediate family members?

Chase travel insurance covers the cardholder as well as immediate family members such as spouses and dependent children, even if the cardholder isn't traveling with them.

What happens to my Chase Ultimate Rewards when I cancel a trip?

When you book travel through the Chase Travel℠ portal, it's just like booking through a travel agent. Your ability to cancel and get your travel rewards refunded depends on the policies of the hotel or airline you book with. But if you cancel for a reason covered by Chase, then your trip cancellation insurance will kick in and your Ultimate Rewards points will be refunded.

If you are a frequent traveler, both the Chase Sapphire Preferred and Chase Sapphire Reserve offer you important protections, whether you're renting a car or taking a train, bus, cruise, or plane. You’ll also have some protections even if you can't go on your trip at all because it's cancelled or delayed.

Although the travel insurance benefits differ slightly on each card, both can earn you valuable travel rewards, charge you no foreign transaction fees, and provide travel protections for many of the losses you're likely to encounter when you’re off adventuring. You just need to make sure to read the fine print and have one of these valuable rewards credit cards in your wallet.

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• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
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Chase Sapphire Preferred Card Travel Insurance – 10 Frequently Asked Questions [2024]

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Table of Contents

Chase sapphire preferred card overview, recap of chase sapphire preferred card travel insurance, 1. what flight insurance does the chase sapphire preferred card have, 2. does chase sapphire preferred card travel insurance cover cruises, 3. what does the chase sapphire preferred card baggage insurance cover, 4. what does the chase sapphire preferred card medical insurance cover, 5. does the chase sapphire preferred card cover hotel cancellations, 6. does the chase sapphire preferred card cover airbnb cancellations, 7. does chase sapphire preferred card travel insurance cover rental cars in other countries, 8. does the chase sapphire preferred card cover turo or zipcar rentals, 9. how do i file a chase sapphire preferred card travel insurance claim, 10. do i need travel insurance if i have the chase sapphire preferred card, final thoughts.

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The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.

If you’re like most people, you hear the word “insurance,” and your eyelids start feeling heavy. Let’s be honest: Insurance isn’t thrilling. The terminology can feel confusing, leaving you with many questions about what exactly the travel insurance on your Chase Sapphire Preferred card does and doesn’t cover.

You have questions, and we have answers. Here’s a simple look at your most common questions about travel insurance on the Chase Sapphire Preferred card.

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

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

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

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel SM . For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

Before moving any further, let’s ensure you’re familiar with the long list of travel protections built into the Chase Sapphire Preferred card :

• Auto rental collision damage waiver
• Baggage delay insurance
• Lost luggage reimbursement
• Travel accident insurance
• Trip cancellation and trip interruption insurance
• Trip delay reimbursement

You’ll also enjoy several other cardholder benefits and protections beyond travel insurance :

• Extended warranty protection
• No foreign transaction fees
• Purchase protection
• Roadside dispatch
• Travel and emergency assistance

Some of the benefits seem more obvious than others. And, as with all insurance, there are always specific terms to understand, exclusions to mind, and coverage limits . Let’s clear some of those up.

When flying, you’ll have 2 types of insurance: travel accident insurance and trip cancellation and interruption insurance. Both types are in effect for trips for which you paid at least a portion of the cost with your Chase Sapphire Preferred card. Let’s look at each benefit.

Travel Accident Insurance

Travel accident insurance applies to you and your immediate family members if one of you becomes permanently injured or dies while traveling. The cardholder benefit guide lists specific dollar amounts that you can be paid for specific injury types. The coverage is further divided into 2 categories: traveling on a common carrier and 24-hour coverage .

Coverage related to a common carrier covers both injuries and death resulting from your travel on a licensed air, land, or sea transport that regularly carries paying passengers . Think planes and ferries, for example. You’ll also be covered while at an airport, terminal, or station immediately before or after a trip, including courtesy transport to or from these places if provided as part of your trip. If your flight booking includes the airline picking you up from the hotel, this could be covered if all other conditions are met.

The 24-hour coverage applies around the clock and is valid on trips of up to 30 days. If you take a trip longer than this, coverage will end 1 minute after midnight on the 31st day, though it would come back into effect when you are in transportation to the airport for your flight home. If you drive yourself to the airport, coverage should resume once you are inside the airport .

Trip Cancellation and Interruption Insurance

This benefit reimburses you for the money you lose when a trip paid for (in whole or part) with your card is interrupted or canceled. Trip interruption is when you’ve started the trip and must end it early for a covered reason; trip cancellation applies to canceling a trip before it begins. The maximum benefit payout here is $10,000 per person and up to $20,000 per trip. Both the cardholder and immediate family members are covered.

Trip cancellation coverage begins when you make your first deposit toward the trip and ends when you depart on your scheduled departure date. Trip interruption starts on your scheduled departure date and ends on your scheduled return date. However, if these dates or times are adjusted for reasons beyond your or the carrier’s control, the benefit will adjust automatically .

What expenses are reimbursable? They include nonrefundable, prepaid travel expenses by a licensed supplier, such as a travel agency, hotel, shore excursion agency, etc. When canceling for a covered reason, you’re also covered for redeposit fees to get your airline miles back. Unfortunately, this benefit doesn’t cover lost money you paid for tickets to shows or theme parks, tee times at golf courses, museums, or other entrance fees unless they’re part of a tour package.

You’ll be covered for a few more situations with trip interruption coverage only . These include fees for returning a rental car early or to the nearest facility and up to $250 of expenses to transport you for necessary medical treatment. However, that doesn’t include medical transport (such as ambulances or medevac).

What if you paid with Chase Ultimate Rewards points and are due a refund under these benefits? You’ll be reimbursed according to the value on your travel supplier’s confirmation receipt, assuming that’s listed. If there’s no trip value listed on the receipt after you paid with points, you’ll be reimbursed at a value of 1 cent per point.

Covered Reasons

Not every reason for canceling a trip or ending it early is covered under these benefits. Covered reasons include accidental death or injury, a sickness requiring hospitalization, severe weather, a named storm warning, a change in military orders, a subpoena or call to jury duty, your home being burglarized or becoming uninhabitable, your hotel becoming uninhabitable, a public transportation strike that makes you miss 20% of a trip or a scheduled tour departure, and more. Consult the Chase Sapphire Preferred card benefits guide to see if your specific cancellation or interruption reason is covered.

Trip cancellation insurance doesn’t cover everything. For example, changing your mind about a trip is not covered. If your plans are subject to change, you may want to purchase Cancel for Any Reason (CFAR) travel insurance .

This part is a bit confusing, but yes. Chase’s benefits guide for the Chase Sapphire Preferred card states explicitly that cruise lines aren’t included in the definition of a “common carrier.” However, cruise lines are included in the definition of a “travel supplier.”

Why does this matter? Many of the trip cancellation and trip interruption benefits only apply to travel with a common carrier, which doesn’t include cruise lines. However, some benefits do apply to cruises . These include stolen luggage benefits or even canceling a trip if delays mean you’ll miss at least 20% of the trip or that you’ll miss the departure of your cruise ship.

The travel accident and injury benefits also apply while you’re cruising, but it’s worth noting that returning late to your cruise ship, only to find it’s left for the next island without you, isn’t a covered expense. You’ll be on your own for the costs of catching up to your ship.

There are 2 types of baggage protection here: coverage for delayed bags and coverage for lost, stolen, or damaged luggage. Baggage delay insurance covers up to $100 per day for up to 5 days when your bags are delayed by at least 6 hours, covering each additional 24 hours past that until the maximum of 5 days is reached. This benefit applies to you and your immediate family members when you pay for at least part of your trip with your Chase Sapphire Preferred card. You don’t need to be traveling with your immediate family members for them to be covered , as long as at least part of their trip was paid for with your card, which can be a nice perk if you book travel for relatives.

Coverage begins on the scheduled departure date and ends on the scheduled return date, though coverage adjusts automatically if there are changes outside your or the travel provider’s control. There’s also a list of non-covered items, such as medical devices, losses due to war/conflict, electronics, and cash equivalents. In case of baggage delay, you must report it to the travel provid er as soon as possible and keep receipts for necessary expenses you incur ; you’ll submit these for reimbursement afterward.

Lost luggage reimbursement is different; it covers lost, stolen, or damaged luggage during your trip. Both checked and carry-on bags are covered up to a maximum of $3,000 per person per trip. However, there’s a limit of $500 for jewelry, watches, and electronics.

There are some specifics to understand about this coverage, however. First, it doesn’t cover items you leave behind by accident . Second, coverage applies to you and immediate family members (even if you aren’t traveling with them) so long as you paid for at least part of the trip with your Chase Sapphire Preferred card. Coverage is available from the scheduled start to the scheduled end of your trip, but it is automatically adjusted if there are uncontrollable delays to either date.

Coverage applies to common carriers and cruise lines, and you must report the loss, theft, or damage within the timeframe specified by your travel provider. Then, the coverage on your Chase Sapphire Preferred card will cover any difference in the value of your monetary loss (after depreciation of the items) and the payment you receive from the travel provider . Thus, this is secondary coverage. It’s worth noting that documents, furs, tickets, and cash-like items aren’t covered.

Accidents can happen on any trip, from accidentally slipping on the wet deck of a cruise ship to spending nights in a hospital at a far-flung destination. Does your health insurance at home cover you when you head to Florida? What about South America? These are questions worth asking. If your medical coverage won’t be in effect, it’s worth considering medical travel insurance .

The Chase Sapphire Preferred card includes travel accident insurance for you and your immediate family members . It’s in effect if you pay at least part of the airfare for your trip with this card. You’ll receive varying maximum payouts depending on the type of injury (or death) encountered during your trip, and the maximum limit also depends on whether the accident occurs while traveling on a common carrier or at some other point during your trip . The 24-hour benefit provides maximum coverage of $100,000, increasing to $500,000 when traveling on a common carrier.

But how does this work in practice?

If more than 1 person is injured , the benefits administrator will pay no more than 2 times the maximum limit for each type of injury. That sum will be divided among all covered persons eligible for benefits payments.

In case of death , the benefits administrator will give the money to your named beneficiary. If you haven’t named a beneficiary, the order of preference goes from a spouse or domestic partner to children, then parents, siblings, and finally, your estate. If you go missing and haven’t been found after a year, then this will trigger the “loss of life” benefit.

Coverage begins either when you reach the airport, station, or terminal for travel on a common carrier or when you enter courtesy transportation provided to take you to the point at which your trip begins, such as a train station or airport. If you didn’t buy your tickets in advance but are purchasing them when you arrive at the station, coverage begins once you make the payment for travel. Coverage ends after you leave the transportation vessel or exit the courtesy transportation provided afterward.

The 24-hour coverage functions a bit differently. It’s in effect around the clock for up to 30 days, starting from your scheduled departure for air travel. If your trip is longer than 30 days, coverage will pause 1 minute after midnight on the 31st day and resume when you reach the airport for a flight home or are in courtesy transportation to the airport for the flight home.

Obviously, there are exclusions. You aren’t covered if you’re a pilot or crew member on a flight, you get injured while committing a crime, you get injured while skydiving, your injury is self-inflicted, or you’re injured in a war.

Lastly, you may wonder how COVID-19 factors in . The benefits guide says this under covered losses: “Quarantine of you or your traveling companion imposed by a physician or a competent governmental authority having jurisdiction, due to health reasons.”

Thus, your illness could be covered if a doctor or government requires quarantine related to COVID-19. COVID-19 is generally covered under most travel insurance policies in the same way sicknesses are covered. However, not traveling to avoid COVID-19 risks isn’t covered. As the benefits guide says, “Your disinclination to travel, a country closing its borders, or a travel supplier canceling or changing travel arrangements due to an epidemic or pandemic.”

Hotels aren’t treated separately under the Chase Sapphire Preferred card travel insurance terms. If you must cancel or interrupt a trip for a covered reason, then your hotel cancellation fees can be covered. This would include situations like forfeiting a first night’s room cost for canceling your hotel booking at the last minute, assuming you couldn’t arrive for a covered reason, such as a travel delay or a last-minute injury that made you unable to travel.

While you won’t find the word “Airbnb” or even “vacation home” in the benefits guide, you will find a description that covers these types of rentals :

“Provider of Lodging – a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non–commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period …” Chase Sapphire Preferred card benefits guide.

So long as you’ve reserved your rental in advance and have a written contract — which Airbnb provides at the time of booking, courtesy of your confirmation details — your vacation home rental should count as a type of lodging. The contract must state the cancellation provisions, must not include a rental of more than 60 days, and your booking must be made directly with a licensed website or agent — not with the homeowner directly (unless that person is a licensed agent).

Airbnb is a covered lodging type, meaning your booking should qualify for trip interruption, trip cancellation, and trip delay coverage .

In short, yes. However, there are some exclusions. Since your personal auto insurance policy may not cover you abroad, it’s great to know that paying with your Chase Sapphire Preferred card and declining the rental company’s collision damage waiver can provide protection on your next rental .

You can be covered up to the actual cash value of most rental cars against theft or collision damage. Coverage can include administrative fees, loss-of-use charges, and even towing charges. Coverage applies to rentals up to 31 days and covers you plus any additional drivers listed on the rental contract .

You’ll need to use your card (or your points) to pay for the entire cost of the rental , and most vehicle types are covered by this primary insurance. However, coverage doesn’t apply to exotic or antique cars, high-value vehicles, cargo vehicles, motorcycles, RVs, or vans with seating for more than 9 people (including the driver). Note that Teslas qualify as high-value vehicles, so these aren’t covered .

The benefits guide doesn’t spell out any specific excluded countries . However, Visa typically excludes coverage in Israel, Jamaica, and Northern Ireland, plus you may not be able to use your card to pay for a rental (and thus coverage won’t be in effect) with U.S. Treasury Department monetary embargoes . These destinations include places where your credit cards won’t work, such as Cuba, Sudan, Syria, and North Korea.

Unfortunately, no. Because Turo and Zipcar rentals aren’t considered rentals from a rental car agency, most credit card rental car insurance doesn’t cover them .

To file a claim, you should first gather all of the documents related to your claim . These can include receipts, accident reports, police reports, photos, hospital records, or anything else pertinent to the type of claim you’re making.

Next, you can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online . Different claims have different required timelines. For example, auto claims must be filed within 100 days of the incident. However, you need to file within 90 days for baggage delays or losses, but you’re supposed to contact the benefits administrator within 20 days of these incidents to at least provide notice, even though you have 90 days to finish submitting the claim.

This question will be subjective, and different people will arrive at different conclusions. Travel insurance can be useful for the unexpected, but no 2 trips are equal. The best way to decide whether you need additional insurance beyond what the Chase Sapphire Preferred card offers is to look at what it doesn’t cover.

Will you be skydiving? Do you have significant trip expenses related to Turo rentals or short connections that could cause domino effects if you miss a departure time? Are you renting an RV or going camping — types of travel not covered by the Chase Sapphire Preferred card?

If you have prepaid, nonrefundable expenses that wouldn’t be reimbursed by your credit card’s travel insurance in the event of delays or cancellations, getting a travel insurance policy that covers these could be a good idea and could provide peace of mind. That said, not every travel activity is covered by every travel insurance policy, so you want to make sure you choose a policy that covers your expenses for your particular trip .

If you look at your trip and decide that your flights, hotel plans, and simple plan of just relaxing at the beach will be covered by the Chase Sapphire Preferred card, then purchasing an extra policy probably isn’t necessary.

The Chase Sapphire Preferred card offers numerous protections for purchases and trips. Insurance terms can feel confusing, but hopefully, the explanations of these policies should clarify what is and isn’t covered, as well as policy limits, in a way that helps you know whether the coverages are sufficient for your upcoming travels.

Want to learn more about what else this card offers beyond travel insurance? Consult our full Chase Sapphire Preferred card review .

Frequently Asked Questions

Does the chase sapphire preferred card have trip insurance.

Yes, it has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement.

How to file a claim with the Chase Sapphire Preferred card travel insurance?

You can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online. Each claim type has different required documents and a different required submission timeline, so check your benefits guide for your specific claim type.

Does the Chase Sapphire Preferred card reimburse for travel cancellation?

Yes, you can be reimbursed for monetary losses of up to $10,000 per person and up to $20,000 per trip if you cancel for a covered reason. You’ll need to pay for at least part of your trip with your Chase Sapphire Preferred card, and the cancellation must be for a covered reason, such as death, injury, or being called to active military duty.

What insurance does Chase Sapphire Preferred card cover?

The Chase Sapphire Preferred card has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement. Cardholders also get shopping insurance benefits, such as purchase protection and extended warranty protection, plus other benefits like roadside dispatch and travel and emergency assistance services (though these are pay-per-use benefits).

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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How does travel insurance work on a credit card.

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

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

What is travel insurance?

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

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

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

What are the benefits of credit card travel insurance?

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

Credit card travel insurance provides the following benefits:

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

What questions should I ask about credit card travel insurance?

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

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

Relying on credit card travel insurance

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

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

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

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

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

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

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

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Welcome bonus

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

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Terms apply.

Read our Chase Sapphire Reserve® review.

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

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

Read more: Best credit cards for trip insurance

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

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

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

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

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

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

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

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

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

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

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Chase Sapphire Preferred vs. Chase Sapphire Reserve 2024: Which Is Best For You?

T hese two travel credit cards are hard to beat since they both earn Chase Ultimate Rewards points that transfer to airlines and hotels, yet their rewards and perks set them apart.

Expert Take: Both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® earn highly sought after Chase Ultimate Rewards points, so what sets them apart? While the Preferred is more affordable with its $95 annual fee, the Chase Sapphire Reserve® offers perks like airport lounge access and annual travel credits for a higher annual cost of $550.

Chase Sapphire Preferred

The Chase Sapphire Preferred® is frequently considered one of the best mid-tier travel rewards credit cards on the market due to its perks and flexibility of its rewards. Not only do users earn bonus points in everyday spending categories like dining, online groceries and select streaming services, but the card gives users 25% more value for travel booked with Chase and still gives the option to transfer points to Chase airline and hotel partners.

• Earns rewards on travel and select everyday purchases
• Excellent benefits for a mid-tier travel rewards card
• Get 25% more value when using points to book travel through Chase
• Must book travel through Chase to earn best rewards rate
• Everyday spending categories may be too narrow for some

Chase Sapphire Reserve

The Chase Sapphire Reserve is a premium travel rewards card with a different earning structure and a higher rewards rate for travel purchases. Plus, it has benefits worth hundreds of dollars in additional value each year. Cardholders get access to the exact same redemption options through Chase, but instead of a 25%, they get 50% more value when using points to book travel through Chase Travel.

• Earns bonus rewards in several popular categories
• Premium travel perks include lounge access and travel credit
• Get 50% more value when using points to book travel through Chase Travel
• Robust selection of travel insurance benefits and consumer protections
• High $550 annual fee 
• Excellent credit recommended

Vault’s Viewpoint On the Chase Sapphire Preferred® vs. Chase Sapphire Reserve®

These are two of the best travel cards . Both offer a valuable welcome bonus, high rewards rates and plenty of additional benefits to justify their annual fees. They both also give cardholders access to the Chase Ultimate Rewards program, where the value of your rewards can be much higher than other rewards programs. 

The Sapphire Preferred is the more cost-effective of the two. For a $95 annual fee, occasional and frequent travelers not looking for airport lounge access will enjoy a wide selection of bonus categories to help quickly earn rewards. But travelers looking for premium features, including airport lounge membership will find the Chase Sapphire Reserve® a more rewarding experience. 

Chase Sapphire Preferred® Highlights

Earning rewards with the chase sapphire preferred®.

While the Chase Sapphire Preferred offers a lower rewards rate on travel purchases, its overall rewards rate can make sense for people who use their cards for regular spending and bills.

Cardholders earn:

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

Other Benefits of the Chase Sapphire Preferred®

Major benefits that come with this card include:

• Annual hotel credit: $50 annual credit in statement credits for hotel stays purchased through Chase Travel
• Points boost: 25 percent more value for points when redeemed for travel through Chase
• Anniversary points bonus: 10 percent annual rewards bonus each year based on previous year spending
• Instacart+ membership: Complimentary Instacart+ membership for six months and up to $15 in quarterly statement credits if activated by July 31, 2024, subject to auto-renewal
• DoorDash DashPass: Complimentary DashPass membership for at least one year when activated by December 31, 2024
• Trip cancellation and interruption insurance: Up to $10,000 per covered person and $20,000 per trip reimbursement for prepaid, nonrefundable travel expenses if your trip is canceled or cut short due to illness, severe weather or other protected situations
• Primary auto rental coverage: Auto rental collision damage waiver reimburses you for theft or collision damage for most rental cars when you decline coverage from rental service
• Baggage delay coverage: Up to $100 per day for up to five days reimbursed for essential purchases to cover baggage delays of more than six hours
• Trip delay reimbursement: Up to $500 per ticket for expenses like meals and lodging if common carrier travel is delayed more than 12 hours and requires an overnight stay
• Travel and emergency assistance services: Emergency assistance, including legal and medical referrals while away from home
• Purchase protection: 120 days of coverage against damage or theft for eligible purchases ($500 per claim and $50,000 per account)
• Extended warranty protection: An additional year of warranty protection on eligible warranties of three years or less

Vault’s Viewpoint: Our Thoughts On the Chase Sapphire Preferred® Value 

Based on our Newsweek valuation, points earned with the Chase Sapphire Preferred are worth an average of 1.38 cents each with access to partner redemptions. While transferring your points to the right transfer partner could get you the most value, the Preferred still earns an above-average 1.25 cents per point when redeeming for travel through the Chase portal. This is higher than the value you get for many other rewards programs. 

Chase Sapphire Reserve® Highlights

Earning rewards with the chase sapphire reserve®.

The rewards rates on the Chase Sapphire Reserve are more focused on travel purchases, although plenty of categories earn more than the standard rate of 1X points on regular purchases.

• 10X total points on car rentals and hotel stays* purchased through Chase Travel
• 10X total points on Chase Dining purchases through the Ultimate Rewards portal
• 10X total points on Lyft rides (through March 31, 2025)
• 5X total points on airfare* purchased through Chase Travel
• 3X points on dining
• 3X points on other travel worldwide*
• 1X points on all other purchases

*Travel-related rewards kick in after the $300 travel credit is spent each year on travel purchases.

Other Benefits of the Chase Sapphire Reserve®

The Chase Sapphire Reserve benefits include:

• Annual travel credit: $300 in annual statement credits reimbursed for travel purchases charged on the card 
• Points boost: 50 percent more value for points when booking travel through Chase Travel
• Lounge access: Priority Pass Select membership with access to over 1,300 airport lounges
• Global Entry, NEXUS or TSA PreCheck membership credit: Automatic statement-credit reimbursement for the application fee up to $100 once every four years.
• Instacart+ membership: Complimentary Instacart+ membership for one year and up to $15 in quarterly statement credits if activated by July 31, 2024
• Primary auto rental waiver: Auto rental collision damage waiver reimburses you for theft or collision damage for most rental cars
• Lost luggage: Up to $3,000 reimbursement per passenger for checked or carry on luggage that’s lost or damaged by the carrier
• Emergency evacuation and transportation: Up to $100,000 in coverage for medical services and transportation if you or a family member become sick or injured while far from home 
• Purchase protection: 120 days of coverage against damage or theft for eligible purchases ($10,000 per claim and $50,000 per year)

Vault’s Viewpoint: Our Thoughts On the Chase Sapphire Reserve® Value

Newsweek values Chase Sapphire Reserve points at up to 1.62 cents apiece if you take advantage of one of Chase’s valuable transfer partners. That rate is much higher than the points and miles valuations of most competitors, including American Express Membership Rewards points (1.19 cents apiece) and Capital One Venture miles (1.21 cents apiece) by our estimates. 

What also helps set Chase Sapphire Reserve apart from the competition is that you don’t have to take advantage of transfer partners to get exceptional value. With the Sapphire Reserve, points are worth 1.50 cents apiece just for booking travel with Chase. That’s a 50-percent boost above competitors that typically only provide a value of 1 cent apiece for points and miles redeemed through travel portals.

Chase Sapphire Preferred® vs. Chase Sapphire Reserve® Differences

Who is the chase sapphire preferred® best for.

The Chase Sapphire Preferred is a versatile rewards card fit for most travelers. You earn flexible bonus rewards for travel, dining and select everyday purchases, which is a step above many travel cards that only offer rewards for travel and dining. The card also comes loaded with outsized perks that go above and beyond other mid-tier travel cards. This includes annual hotel credits, anniversary bonus points, and plenty of travel and purchase protections.

The Sapphire Preferred also offers exceptional redemption value. Points for travel could be worth up to 1.38 cents on average based on our valuation. And while other issuers like American Express drop the value of their points and miles to below one cent for non-travel redemption options, Chase points are typically worth one cent for non-travel redemption options, including cash back and most gift cards. 

Who Is the Chase Sapphire Reserve® Best For?

The Sapphire Reserve goes above and beyond the Sapphire Preferred. Because it’s loaded with premium benefits for travel, it’s best for people who fly frequently and want perks like airport lounge access. While the $550 annual fee is on the high side, the annual travel credit of $300 and the Priority Pass Select membership more than make up for this fee if you use them to the fullest.

Who Should Consider Alternatives?

If you don’t want to pay an annual fee, there are a lot of entry-level travel cards that offer solid rewards and the chance to cut down on travel costs. Some of the top no-annual-fee cards to consider include:

• Capital One VentureOne Rewards Credit Card
• Wells Fargo Autograph℠ Card
• Bilt Mastercard®

Based on how you travel, you may want to consider different rewards programs. If you’re looking for complimentary lounge access, The Platinum Card® from American Express offers a more extensive range of lounges to choose from compared to the Sapphire Reserve. And since it earns American Express Membership Rewards points, you also get access to 18 airline and three hotel transfer partners. This could be a good fit if you’re thinking about transferring your points or miles but Chase doesn’t offer your favorite hotel or airline as a transfer partner. 

Frequently Asked Questions

Can i get both the chase sapphire preferred and chase sapphire reserve.

By Chase’s rules, you can only hold one Sapphire card at a time, so you can’t simultaneously have both the Chase Sapphire Preferred and the Chase Sapphire Reserve. However, you can downgrade or upgrade your card (pending approval) if you so desire, or look into canceling one card and applying for the other after any waiting period that may apply. Just note that you won’t qualify for a welcome bonus on either card if you’ve received a new cardmember bonus on a Sapphire card in the past 48 months as a previous cardholder or if you currently hold any Sapphire card.

Does the Chase Sapphire Preferred or Chase Sapphire Reserve Have a Larger Welcome Bonus?

Currently, the Chase Sapphire Reserve and the Chase Sapphire Preferred have the same elevated welcome bonus: 75,000 points earned after spending $4,000 in the first three months (up from the 60,000-point bonus for both cards prior). In the past, Chase typically staggered the times when each card would have a welcome bonus, so this may be a rare chance to pick up what may be a higher-than-usual bonus—no matter if you get the Preferred or Reserve.

What Is Chase’s 5/24 Rule?

Chase’s 5/24 rule is an unofficial but widely reported policy that says you won’t be approved for a new Chase credit card if you’ve opened five or more credit cards from any issuer in the past 24 months. Most business credit cards (including those issued by Chase) do not count towards your 5/24 limit.

The post Chase Sapphire Preferred vs. Chase Sapphire Reserve 2024: Which Is Best For You? first appeared on Newsweek Vault .

How much is Chase’s new travel card welcome bonus? 

About chase’s premium travel cards, how can i redeem the new 75,000-point bonus, do i qualify for the new chase welcome offer, the chase sapphire preferred just increased its bonus. earn 75,000 points with cnet’s favorite travel card.

This limited-time welcome bonus is one of the higher offers we've seen -- but it won't last for long.

Dashia Milden

Dashia is a staff editor for CNET Money who covers all angles of personal finance, including credit cards and banking. From reviews to news coverage, she aims to help readers make more informed decisions about their money. Dashia was previously a staff writer at NextAdvisor, where she covered credit cards, taxes, banking B2B payments. She has also written about safety, home automation, technology and fintech.

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

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If you couldn’t tell by the sweltering temperatures across the country, summer’s nearly here. And if you’re plotting out a warm weather getaway, the newly elevated welcome bonus on two Chase premium travel credit cards could help you save some money.

You can earn a 75,000-point welcome bonus if you open a Chase Sapphire Preferred® Card or Chase Sapphire Reserve® and spend $4,000 within three months. 

“This is a strong bonus on an excellent card,” said Jason Steele, a credit card expert and CNET Expert Review Board member. “It’s not the highest ever, but it’s better than the standard offer on cards that should be in the wallets of anyone who wants to earn travel rewards.” 

The standard welcome bonus for these cards is 60,000 points, and we’re not sure when this offer will expire. But history tells us it won’t last long. Here’s what to know if you’re on the fence about whether either of these cards are right for you.

Starting now, if you spend $4,000 on qualifying purchases within the first three months of opening a Sapphire Preferred or Sapphire Reserve card, you’ll receive 75,000 points. That means you’ll need to spend at least $1,334 per month to earn the bonus. 

That’s a 15,000-point increase from Chase’s typical 60,000 bonus with the same spending requirement and timeframe. 

“While we’ve seen slightly higher offers on the CSP in the past, there’s never a guarantee those will return, or if they do, when that will happen,” said Mark Reese, a credit card expert and member of the CNET Money Expert Review Board . With summer vacation around the corner, this is a great opportunity to save hundreds on an upcoming trip.

To earn this bonus, you can pay your bills with your credit card to reach the bonus faster. Or you may be able to earn the bonus if you have a big purchase coming up that you already have the money set aside for, such as home renovations or travel. 

Never overspend to earn a credit card welcome bonus. If you’re not able to pay off your balance in full each month, the interest you accrue could quickly wipe out any value you earn in rewards. If you can’t comfortably spend $1,334 per month, it’s not worth trying for this bonus.

The Sapphire Preferred is already our top travel credit card pick. Beyond the welcome bonus, these two popular travel cards have some useful perks for booking a flight or taking a road trip. Have a plan in place for how you want to use the card before applying. 

“Both of these cards have excellent travel insurance and purchase protection benefits,” Steele said. “The CSR even has paid roadside assistance and emergency evacuation coverage. Both have primary automobile insurance, along with trip delay and trip cancellation coverage.”  

But there are big differences, such as the annual fee, cardholder credits and rewards rates -- which can all make a big difference in the long run. Here’s a quick look at both cards and a comparison to help you determine which one is best for you. 

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Read more: Chase Sapphire Preferred Card vs. Chase Sapphire Reserve: Which Is Better?

This boosted welcome bonus could help you earn a free flight, hotel stay or other travel accommodations just in time for an end-of-summer trip -- if you earn the bonus before the three-month period ends. 

If you redeem the rewards for travel using Chase Travel℠, you’ll redeem points at a boosted rate of 1.25 cents per point with the Sapphire Preferred and 1.5 cents per point with the Sapphire Reserve. That means it could be worth $937 to $1,125.

Beyond the Chase portal, you may also be able to redeem your points at an even higher rate with Chase’s travel partners .

You can also redeem the points toward other purchases, gift cards and statement credits but at a lesser value.  

Read more: 6 Reasons the Chase Sapphire Preferred Should Be Your Next Credit Card

Chase’s travel cards usually require good to excellent credit -- so a FICO score of 670 or higher. There are also a few other factors that would disqualify you: 

• You cannot be a current Sapphire cardholder. 
• You cannot have earned a Chase Sapphire bonus in the past two years. 
• You must not have exceeded Chase’s 5/24 rule, which means you cannot have applied for five cards within the past 24 months from any issuer. 

If you’re unsure, it’s best to call Chase’s customer service line at 1-800-432-3117 for questions and assistance.

Recommended Articles

Pairing the chase sapphire preferred card and chase freedom unlimited to level up your rewards, chase trifecta: how to use multiple credit cards to maximize your rewards, save on food, travel and more: how to maximize the chase sapphire preferred card, 5 common questions people ask me as a credit card editor.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

A guide to the best credit cards for Airbnb stays

Home rentals are a popular alternative to hotels, and you may be considering an Airbnb for your next trip. While the topic of the best credit cards for hotel stays gets a lot of attention, it's a different matter for Airbnb stays. That's especially true when you consider that hotel chains have their own credit cards, yet Airbnb does not.

If you've decided to go the Airbnb route, which travel rewards credit card should you use to make the purchase? Let's take a closer look at your best options.

What is Airbnb?

If you're unfamiliar with Airbnb , the site offers a wide variety of lodging options when traveling. In many cases, Airbnb provides privately owned rooms, apartments, houses, boathouses and hotel rooms. They're available for both short- and long-term stays.

While prices are sometimes more affordable than equivalent hotel rooms, it should be noted that Airbnb is not exactly a hotel on a budget. There are tradeoffs: things such as room service, daily housekeeping and other full-service amenities aren't usually found. However, if you are searching for unique accommodations — or want the feeling of being in a home while away from home — Airbnb could be a good option. Groups and those traveling with others also tend to prefer Airbnb, since it's easy to reserve multi-bedroom lodging.

Beyond stays, Airbnb offers experiences. These can include tours, outdoor activities like whale watching, cooking classes or even a great photographer to snap photos for your Instagram during your next vacation.

Airbnb doesn't have a loyalty program, so the best way to make the most of these types of purchases is by using the right credit card.

Related reading: How to find the best Airbnb

Which credit card is best for Airbnb stays and experiences?

American express green card, chase sapphire reserve, chase sapphire preferred card.

• Chase Ink Business Preferred Credit Card

Capital One Venture Rewards Credit Card

Capital one venture x rewards credit card.

You may see some familiar names among the cards listed above. That's because several of the best credit cards for Airbnb are on our list of the best credit cards for travel .

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

Earning rates on the top cards for Airbnb

A closer look at the best credit cards for airbnb.

Airbnb typically codes as "travel" on your credit card statement. This means it will trigger any bonus points or annual credits offered in the travel category . Here's a deep dive into the best cards for Airbnb.

Annual fee: $150 (see rates and fees)

Welcome offer: Earn 40,000 Membership Rewards points after spending $3,000 on purchases in the first six months of card membership

Earning rates: You'll get 3 Membership Rewards points per dollar on restaurant purchases , 3 points per dollar on transit including ride shares, subway swipes, tolls — and most importantly for Airbnb — plus 3 points per dollar on the broad category of travel, which includes things from flights, car rentals, hotels and home shares (yes, including Airbnb). You'll earn 1 point per dollar on all other purchases.

Why we like it: Other cards, including The Platinum Card® from American Express and American Express® Gold Card , have more limited travel categories that don't go beyond the scope of airfare and hotels . While the Platinum card has a higher bonus earning on airfare (5 points per dollar), it only applies to airfare booked directly with airlines or through the American Express Travel Portal (and the bonus earning potential is limited to the first $500,000 of these purchases per calendar year). In the Platinum's case, you'll also get 5 points per dollar spent on prepaid hotels booked through Amex Travel.

The Amex Green is the most flexible of the bunch when it comes to earning 3 Membership Rewards points for every dollar spent on Airbnb. Those 3 points equate to a 6% return based on TPG valuations . If you're flying to get to your Airbnb, you can also take advantage of an up to $189 Clear Plus annual statement credit and a $100 LoungeBuddy annual statement credit . Enrollment required for select benefits.

To learn more, read our full review of the Amex Green card .

Related: The best cards for airport lounge access

Annual fee: $550

Sign-up bonus: Earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

Earning rates: Besides getting a $300 annual travel credit (that can be used toward Airbnb), you'll get 3 Ultimate Rewards points per dollar on travel — after using the $300 credit — and 3 points per dollar on dining at restaurants worldwide. Other bonus categories include 10 points per dollar on hotels and car rentals booked through the Chase Ultimate Rewards portal and 5 points per dollar on flights booked in the portal. You can also earn 10 points per dollar on Chase Dining purchases and 1 point per dollar on everything else.

Why we like it: First and foremost, you get to use the card's $300 travel credit toward a broad range of travel purchases , including Airbnb. Earning 3 points per dollar on Airbnb makes this card is useful for earning maximum Ultimate Rewards on your purchases after exhausting your $300 travel credit. Those 3 points equate to a 6% return based on TPG valuations — the same as the Amex Green . Additionally, the 75,000 Ultimate Rewards points sign-up bonus is worth $1,125 based on TPG valuations.

To learn more, read our full review of the Sapphire Reserve .

Apply here: Chase Sapphire Reserve

Related: 4 things to do once you get your Chase Sapphire Reserve

Annual fee: $95

Earning rates: You'll earn 2 Ultimate Rewards points per dollar on travel — which doesn't apply to the card's $50 hotel credit , though you must use this in the Chase travel portal , so Airbnb bookings aren't eligible — and also earn 5 points per dollar on travel purchases in the Chase travel portal. You can also earn 3 points per dollar on dining , select streaming services and online grocery (excluding Target, Walmart and wholesale clubs). Through March 2025, you can also earn 5 points per dollar on Lyft rides . Cardmembers earn 1 point per dollar on everything else.

Why we like it: Firstly, the card has a low annual fee while still possessing strong earning categories. This includes a broad range of travel purchases, such as bonus points on bookings made directly with Chase or Lyft rides, as well as 2 points per dollar with Airbnb. Those 2 points provide a 4% return based on TPG valuations . Additionally, the 75,000 Ultimate Rewards points sign-up bonus is worth $1,538 based on TPG valuations.

To learn more, read our full review of the Sapphire Preferred .

Apply here: Chase Sapphire Preferred

Related: Why the Chase Sapphire Preferred is more than just a starter card

Ink Business Preferred Credit Card

Sign-up bonus: Earn 100,000 Ultimate Rewards points after you spend $8,000 on purchases in the first three months after account opening.

Earning rates: You'll earn 3 Ultimate Rewards points per dollar on the first $150,000 of combined spend on the card each anniversary year in the following categories: shipping purchases; internet, cable and phone services; advertising with social media and search engines and — most importantly for this discussion — on travel.

Why we like it: This is another Chase card that earns a fantastic 3 Ultimate Rewards points on travel, including Airbnb stays. Although the huge 100,000 Ultimate Rewards sign-up bonus is a great perk, it's important to note the card's hefty initial spending requirement. While this isn't a consumer card, getting approved for a business card may be easier than you think.

To learn more, read our full review of the Ink Business Preferred .

Apply here: Ink Business Preferred

Related: The best business credit cards

Annual fee: $95 (see rates and fees )

Sign-up bonus: Earn 75,000 bonus miles after you spend $4,000 on purchases within the first three months of account opening.

Earning rates: You'll earn 2 Capital One miles per dollar spent on almost everything with no annual cap, which means you're getting 3.7 cents' value (factoring in TPG's latest valuation ) every dollar in purchases.

Why we like it: The Venture card is an excellent choice for those who value a straightforward earning rate on all purchases, including vacation rental bookings and anything else you buy. In exchange for a $95 annual fee, this Capital One credit card earns you a flat 2 miles per dollar spent on every purchase you make, and you can even redeem your rewards to cover your Airbnb stay at a rate of 1 cent per mile. If you decide not to use your rewards for Airbnb bookings, you can use them to cover any travel purchases made with your card in the last 90 days or transfer them to its 15+ airline and hotel transfer partners .

Plus, the card currently offers a 75,000-mile bonus offer worth $1,388, according to TPG valuations . Add in the fact that Capital One has made some exciting additions to its program, and it's no surprise that this card is still one of our favorites here at TPG.

To learn more, read our full review of the Venture .

Learn more: Capital One Venture Rewards

Related: Tips and tricks to get maximum value from your Capital One miles

Annual fee: $395 (see rates and fees )

Earning rates: You'll earn 2 Capital One miles per dollar spent on almost everything with no annual cap, which means you're getting 3.7 cents' value (factoring in TPG's latest valuation ) for every dollar in purchases. You can earn at higher rates when booking in the Capital One Travel portal , including 10 miles per dollar on hotel and rental car bookings and 5 miles per dollar on flights.

Why we like it: The Venture X card offers a straightforward 2 miles per dollar spent on all purchases not booked in the travel portal, which includes a pack of gum or your next Airbnb booking. You can also redeem your rewards to cover your Airbnb stay at a rate of 1 cent per mile. If you decide not to use your rewards for Airbnb bookings, you can use them to cover any travel purchases made with your card in the last 90 days or transfer them to its 18 airline and hotel transfer partners . The card also provides numerous perks, such as a $300 annual travel credit for Capital One Travel bookings, reimbursement for your Global Entry or TSA PreCheck fee and rental car elite status.

To learn more, read our full review of the Venture X .

Learn more: Capital One Venture X

Related: 6 things to do when you get the Capital One Venture X

Annual fee: $0, but you must have an Amazon Prime membership

Sign-up bonus: $100 Amazon gift card immediately upon approval.

Earning rates: You'll get 5% back on Amazon and Whole Foods purchases and 2% back at restaurants , gas stations and local transit and commuting (including rideshare). You will earn 1% back on other purchases.

Why we like it: How does the Amazon card make our list of best cards for Airbnb? Two words: Gift cards. Airbnb gift cards are available on Amazon, and you can easily get 3% back this way. First, use this card to buy Airbnb gift cards; then, use those cards to pay for your upcoming stay. You can redeem your 3% back on cash back, gift cards or travel rewards, and it's all worth the same. Note that Airbnb restricts, in fine print, the use of gift cards for long-term stays (28+ days).

To learn more, read our full review of the Amazon Prime Visa .

Apply here: Prime Visa

Related: Best credit cards for Amazon purchases

Maximizing your next Airbnb stay

One of the most important factors in making the most of your everyday spending is choosing the best travel rewards credit card for every purchase. This isn't always an easy task, as some cards earn valuable transferable points while others give bonus points for certain categories of purchases . Deciding what is more important is a personal decision.

For any Airbnb stay, though, see if you can double dip. For instance, you can easily earn bonus points or miles with programs like British Airways Executive Club, Delta SkyMiles or Qantas Frequent Flyer by clicking through their Airbnb shopping portals , regardless of what credit card you use to book.

These cards are all great options for Airbnb, but there are many others out there. For instance, if your local grocery store also sells Airbnb gift cards, you can use a card that earns bonuses at grocery stores to maximize your purchase. The same applies to office supply stores .

Since several credit cards offer annual travel credits , consider these as well. Using these credits can be a way to offset your travel costs when staying at Airbnb, since you can't transfer your points to Airbnb for award bookings.

Bottom line

Airbnb is a great lodging option for trips, as the platform represents a nice alternative to traditional hotels. I've personally stayed in dozens of Airbnbs throughout my travels and usually favor it over a chain hotel.

In addition to the unique properties you can book, there are also some solid credit card options that allow you to earn a decent haul of points or cash back. Just remember to review each listing's cancellation policy and reviews carefully before booking.

See also: 15 tips that will help you score the perfect Airbnb every time

Additional reporting by Ryan Wilcox, Juan Ruiz and Ryan Smith.

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The Guide to Chase Sapphire Preferred Lounge Access

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The Chase Sapphire Preferred® Card is a midlevel travel credit card with some solid benefits and points-earning potential, along with a $95 annual fee.

But does the Chase Sapphire Preferred® Card get you into airport lounges? The short answer is no.

The Chase Sapphire Preferred® Card does not include any type of Priority Pass membership or regular entrance into Chase Sapphire Lounges or other airline-specific clubs.

If you want to stay within the Chase family of cards and you’re looking for lounge access, you’ll need the Chase Sapphire Reserve® card instead.

But don’t write off getting the Chase Sapphire Preferred® Card . It still has some good benefits.

Chase Sapphire Preferred® Card includes one complimentary lounge visit, with strings attached

Chase Sapphire Preferred® Card holders are allowed one complimentary access to the Chase Sapphire Lounge by The Club annually, if they have a Priority Pass membership that they’ve purchased separately.

Priority Pass members can then buy additional passes to the Chase Sapphire Lounge by The Club for $75 a pop, if they are available.

Otherwise, the Chase Sapphire Preferred® Card does not inherently include airport lounge access.

What to do instead

Purchase lounge membership.

Cardholders can pay out-of-pocket for a membership to a qualifying airline lounge program, including:

Priority Pass for $99-$469 annually, depending on your membership tier.

Delta Sky Club for $695 or 69,500 miles per year.

American Airlines’ Admirals Club individual annual memberships cost between $750-$850, depending on your elite status level.

United Club for $550-$650, or 75,000 miles to 85,000 miles. Prices are also dependent on your elite status level. Membership is included for United Club℠ Infinite Card holders.

Cardholders can also buy day passes at eligible lounges.

Purchasing Priority Pass or an airline-branded lounge membership does not qualify as a travel category expense on the Chase Sapphire Preferred® Card , so you will not earn 2x points.

Upgrade your card to the Chase Sapphire Reserve®

If you want included lounge access in the Sapphire family of cards, you’ll need to upgrade to the Chase Sapphire Reserve® card .

» See how these two cards compare

Because the Chase Sapphire Reserve® is a premium card, the annual fee is higher at $550 (and $75 for each authorized user), but many additional benefits help offset the cost.

First, there is the $300 annual travel credit that reimburses you for travel purchases.

Then there are the increased points bonuses in certain spending categories:

5x points on flights purchased through the Chase's travel portal .

10x points on hotels and car rentals purchased through Chase's portal.

3x points on dining.

A 50% increased value when redeeming points through the portal.

Lounge access is included as part of the Priority Pass Select membership; Chase Sapphire Lounges are included as well. Currently, there are lounges in Boston, Hong Kong and at New York’s LaGuardia and John F. Kennedy International airports. More clubs are on the way.

» Learn more: How Chase Sapphire Reserve lounge access works

The card also includes:

$100 in Global Entry or TSA PreCheck or Nexus fee every four years. 

Two-year Lyft Pink All Access membership.

A DoorDash subscription.

One year of complimentary Instacart+.

» Learn more: The best airline credit cards right now

An overview of the Chase Sapphire Preferred® Card

The annual fee for the Chase Sapphire Preferred® Card is $95 with no additional fee for authorized users.

Spending on the card earns Chase Ultimate Rewards® points, flexible points you can redeem for travel or other things like cash back or purchases.

The Chase Sapphire Preferred® Card earns 1 point per dollar on most purchases, but there are ways to earn additional points.

2x points on travel purchases or 5x points on purchases made through Chase's travel portal.

3x points on online grocery shopping.

3x points on select streaming services.

You can then use those points in several ways, including transferring them to partners or redeeming them through Chase's travel portal.

For redemptions in Chase's portal, Chase Sapphire Preferred® Card holders get 25% more value per point than they would if they didn’t have the card.

The Chase Sapphire Preferred® Card also includes several travel insurance benefits:

Trip cancellation and interruption insurance.

Baggage delay insurance.

Trip delay reimbursement.

Primary car rental collision damage waiver.

Services for travel and emergency assistance.

» Learn more: Chase Ultimate Rewards®: How the program works

Chase Sapphire Preferred® Card lounge access, recapped

The Chase Sapphire Preferred® Card does not include any airport lounge benefits as a perk of having the card, but it does have other travel benefits for a $95 annual fee.

If lounge access is your goal and you think you will get enough out of this benefit and others to justify the higher annual fee of $550, the Chase Sapphire Reserve® card may be your best bet.

on Chase's website

$550 plus $75 for each authorized user.

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Points worth 25% more when redeemed for travel booked through Chase.

Points worth 50% more when redeemed for travel booked through Chase.

10% of your total purchases in the previous year.

$50 in statement credits toward hotel stays purchased through Chase's travel portal.

$300 annual travel credit.

Travel protections, including auto rental collision damage waiver and baggage delay insurance.

No foreign transaction fees.

Priority Pass Select lounge access.

Statement credit for Global Entry , TSA PreCheck or NEXUS application fee every four years.

Access to Luxury Hotel & Resort Collection .

Complimentary Lyft Pink membership for two years.

Complimentary DashPass for at least one year through Dec. 31, 2024.

How to maximize your rewards

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

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

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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