travel insurance benefits chase sapphire preferred

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Chase Sapphire Preferred Travel Insurance (2024 Guide)

This page includes information about the Chase Sapphire Preferred credit card and its benefits. The information featured in this guide was collected by the MarketWatch Guides team and has not been provided or reviewed by the card issuer.

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

If you have a Chase Sapphire Preferred credit card, you can access a wide variety of travel insurance benefits when you book a trip using the card. Chase travel insurance can reimburse certain expenses in less-than-ideal travel scenarios involving trip cancellations, trip interruptions, lost baggage and more.

Learn more about the coverage offered by the Chase Sapphire Preferred credit card so you can decide whether its benefits can cover your travel needs — or if you need a separate travel insurance policy for your vacation.

Our Thoughts on Chase Sapphire Preferred Travel Insurance

Chase offers travel insurance through the Sapphire Preferred credit card if you use the card to purchase trip expenses such as cruise bookings, airline tickets, hotel accommodations and more. The company’s travel insurance offering includes coverage for trip cancellations, interruptions and delays, accidents and more.

But while Chase has competitive luggage loss limits when compared with the top travel insurance providers, the Sapphire Preferred Preferred card doesn’t offer emergency medical and evacuation coverage like some other travel cards. And although Chase provides free travel insurance benefits with the Sapphire Preferred card, there is a $95 annual fee.

If you’re a Chase Sapphire Preferred credit card holder, we encourage you to compare its coverage with plans offered by competitors. This can help ensure you have travel protection that fits your vacation and your unique needs as a traveler.

How To Qualify to Use Chase Sapphire Preferred Travel Insurance

Qualifying for Chase Sapphire Travel Insurance is a relatively simple process based on our experience. If you do not have a credit card already, you will need to visit Chase’s website to fill out an application. You’ll need to provide personal information such as your name, date of birth, mother’s maiden name, home address, contact information, Social Security number, individual tax ID number, employment status and annual income. Chase states that if you have a high credit score, you can likely apply for any card of your choice — so prepare for the company to consider your credit score when applying for this card.

Available travel insurance when you book using your Chase Sapphire Preferred card includes protection for rental car damage, cruise line reservations and airfare, to name a few. Benefits also apply to the cardholder and their immediate family during their travels. Note that if you have a Chase Sapphire Reserve card, you can also qualify for travel protection benefits. However, the benefits differ between the two cards, which we will address further in this article.

How Does Chase Sapphire Preferred Travel Insurance Work?

Chase Sapphire Preferred travel insurance coverage offers several protections at no extra cost to cardholders who book trips using their credit card. Benefits include trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement. Chase Sapphire Preferred cardholders also receive travel and emergency assistance services if they need legal and medical referrals.

Chase notes that unaffiliated insurance companies underwrite the travel benefits, and these companies are solely responsible for the administration and claims of cardholders. Those so-called benefit administrators may enforce specific time limits and documentation requirements that apply to the claims process. Chase should provide cardholders with this information when they first open their account.

Coverage Benefits of Chase Sapphire Preferred Travel Insurance

Chase provides extensive travel insurance benefits through its Sapphire Preferred credit card, including protections you’d find with a traditional travel insurance policy . See the table below for a detailed breakdown of the Chase Sapphire Preferred travel insurance benefits and associated coverage limits.

* Information about benefits provided by the Chase Sapphire Preferred credit card was collected by the MarketWatch Guides team and has not been provided or reviewed by the card issuer.

Trip Cancellation

If you must cancel your trip for a reason covered under your policy, trip cancellation insurance can reimburse prepaid, non-refundable travel expenses. This often covers expenses such as lost airline tickets, cruise bookings, prepaid tours and hotel reservations.

Chase Sapphire Preferred travel insurance covers trip cancellations due to traveler sickness, severe weather and other situations, with reimbursement up to $10,000 per person and $20,000 per trip for prepaid, non-refundable expenses.

Trip Interruption

If you must cut your vacation short and return home, trip interruption insurance can provide a refund for unused, prepaid and non-refundable travel expenses.Much like trip cancellation insurance, coverage also applies to situations such as the injury, illness, or death of a family member or traveler.

Chase covers Chase Sapphire Preferred travelers up to $10,000 per person and $20,000 per trip for prepaid, non-refundable expenses.

Trip Delay Insurance

Trip delay coverage applies to travel delays caused by planes, buses, trains and other types of transport to your destination. Benefits for a covered trip will vary depending on the travel insurance plan but can extend to hotel rooms, meals and other necessities incurred if you must wait to resume your trip. Delay coverage does not extend to missing a flight due to poor planning or time management on behalf of the traveler. 

Chase will reimburse up to $500 per common carrier travel ticket purchased using your Chase Sapphire Preferred card if you experience a delay of more than 12 hours or require an overnight stay.  

Baggage Delay or Loss

Baggage coverage can pay for your travel bags if they become lost, stolen, delayed or damaged during your trip. Coverage is usually capped at a certain amount per bag, with some travel insurance plans offering higher limits than others. If you intend on bringing expensive or valuable items in your baggage, you might consider a policy with a high maximum coverage amount for lost luggage reimbursement or delays.

Chase provides Sapphire Preferred cardholders $100 per day for up to five days if they experience baggage delays with a common carrier such as an airline. If your carry-on or checked bags get lost, stolen or damaged, you could receive a reimbursement of up to $3,000 per person to cover your personal effects.

Auto Rental Collision Damage Waiver

Car rental collision damage coverage is not a standard offering from travel insurance companies. This waiver provides Chase Sapphire Preferred cardholders with reimbursement up to the actual cash value of a rental car, minus certain high-value and exotic car models. 

To qualify for this waiver, you will need to decline the rental car insurance provided by the rental company and charge the entire cost of your rental to your Sapphire Preferred card. This waiver covers both theft and collision damage.

Travel Accident Insurance

Travel accident insurance through Chase provides accidental death and dismemberment (AD&D) coverage when you pay for your air, bus, train or cruise transportation using your card. Coverage includes up to $500,000 in accident protection.

Emergency Travel Medical Coverage

Travel medical coverage helps cover medical bills if you fall ill or get injured during your vacation. It does not cover routine medical services — only sudden illnesses or injuries considered emergencies or that require treatment by a healthcare provider. Some emergency medical benefits also include emergency dental coverage.

While many travel insurance providers offer this type of coverage, Chase Sapphire Preferred cardholders do not have access to these protections with the card’s benefits. You can, however, find this coverage with the Sapphire Reserve card.

If you’re looking for comprehensive travel medical insurance, we recommend International Medical Group (IMG), as the company offers coverage up to $8,000,000. IMG plans average $217 per trip.

Emergency Evacuation and Transportation

Emergency evacuation and transportation insurance can provide peace of mind if you need transportation to a hospital or medical facility while traveling. For example, if you fall ill or become injured in a remote location and require transportation or evacuation to a medical facility equipped to care for your needs. Chase doesn’t provide this coverage for Sapphire Preferred cardholders and their immediate family members.

Chase Sapphire Preferred vs. Chase Sapphire Reserve Travel Insurance

The Chase Sapphire Preferred card is not the only credit card Chase offers with travel insurance benefits. Chase’s Sapphire Reserve card also provides benefits for cardholders who book their trips with their credit card. See the table below for a comprehensive breakdown of what each Chase credit card offers in travel insurance benefits.

* Information about benefits provided by the Chase Sapphire Preferred and the Chase Sapphire Reserve credit cards were collected by the MarketWatch Guides team and have not been provided or reviewed by the card issuer.

How To File a Travel Insurance Claim with Chase

Filing a travel insurance claim with Chase will vary based on your credit card and the type of coverage you’re filing a claim for. But the typical process follows these steps:

Generally, the first step is to contact the appropriate number listed in your credit card’s benefits guide. You can also file a claim online through eclaimsline.com if you prefer a fully digital experience.

Chase will likely ask you to prepare documentation that proves your losses to support your claim. These documents may include receipts for prepaid expenses, proof of lost, damaged or stolen items, or proof of travel delays from your airline or other transportation carriers.

Once you’ve submitted your claim, you then wait for approval and reimbursement, which may vary in time. Note that Chase enforces specific time limits in addition to documentation requirements for claims filing, so submitting your claim as soon as possible is recommended.

Should You Get a Chase Sapphire Preferred Card For Travel Insurance?

Signing up for a Chase Sapphire Preferred card strictly for its travel insurance benefits is a personal decision. However, getting a credit card for travel insurance is not your only option — you may also opt for a policy with a standard carrier such as Travelex . Chase’s coverage limits are not as high as limits from some other providers offering comprehensive travel insurance policies. Taking on an additional expense in the form of the Sapphire Preferred card’s $95 annual fee may also not be worth it if you don’t plan on using the card for anything other than infrequent travel.

If you’re looking for coverage for emergency medical expenses, evacuations and more, you may consider a plan from some of the other dedicated travel insurance companies. Chase does not specialize in travel insurance and lacks unique protections such as cancel for any reason (CFAR) and extreme sports coverage that other travel insurance companies may provide. 

If you already have the Chase Sapphire Preferred card and feel satisfied with its travel insurance coverage limits, you can take advantage of these benefits by booking your trip using the card. Regardless, we recommend considering your travel needs and budget before choosing travel insurance coverage.

Chase Sapphire Travel Insurance: Frequently Asked Questions

Does chase travel insurance cover family members.

Yes, Chase travel insurance through its Sapphire Preferred and Sapphire Reserve cards covers the cardholder and immediate family members traveling with them.

What reasons for trip cancellation does Chase cover?

Covered cancellations related to trip cancellation insurance vary by travel insurance provider. Chase states that covered cancellations for trips purchased with Sapphire Preferred and Sapphire Reserve cards include sickness, severe weather and other situations. Check your card benefits guide for more information on specific scenarios.

Do I need travel insurance if I have a credit card?

If you have a credit card with a company such as Chase, Citi or Capital One, your card may come with travel insurance benefits if you use the card to purchase your trip components. If you’re unsure whether your credit card comes with these perks, check with your card issuer.

What other benefits come with the Chase Sapphire card?

The Chase Sapphire card comes with more than just travel rewards. It also includes benefits such as the ChaseUltimate Rewards program, which adds points for qualifying purchases that cardholders can redeem toward future travel expenses. In addition, new card members can receive 60,000 bonus points after spending $4,000 in the first three months of card ownership.

Methodology: Our System for Rating Travel Insurance Companies

Our team researched and reviewed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the Internet, to better understand the customer experience. Here are the factors we take into consideration when rating providers:

• A 30-year-old couple taking a $5,000 vacation to Mexico
• A family of four taking an $8,000 vacation to Mexico
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom
• A 30-year-old couple taking a $7,000 trip to the United Kingdom
• A 19-year-old taking a $2,000 trip to France
• A 27-year-old couple taking a $1,200 trip to Greece
• A 51-year-old couple taking a $2,000 trip to Spain
• Plan availability (10%): We look for insurers offering a variety of travel insurance plans and the ability to customize a policy with coverage upgrades. Providers that offer six or more plans will earn top marks in this category.
• Coverage details (29%): We review the standard coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage will earn full points, with a focus on baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons such as accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that will reimburse customers after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

AM Best Disclaimer

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Credit Cards

11 Chase Sapphire Preferred travel benefits you should know about

Lee Huffman

Robin Saks Frankel

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

Updated 11:02 a.m. UTC Nov. 14, 2023

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The Chase Sapphire Preferred® Card is one of the best travel credit cards for beginners and experienced travelers alike. It offers numerous benefits that can easily justify its $95 annual fee . The points it earns, known as Chase Ultimate Rewards® , are extremely flexible, and you get 25% more value per point when booking travel through Chase Travel℠. This card also includes valuable travel and purchase protections at no extra charge. Learn more about its benefits so you can see why the Sapphire Preferred is so popular among travelers.

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

1. Up to $50 in annual hotel credits

Every account anniversary year, cardholders receive up to $50 of hotel credits when booking reservations through Chase Travel. These credits cover a portion of your hotel stay and can offset over half of the card’s annual fee.

Travel reservations made through Chase Travel usually earn 5 points per dollar, which is another great reason to book through the Chase travel portal. However, you will not earn points on the spending that qualifies for the $50 annual hotel credit.

2. Points are worth 25% more when booking travel

The Chase Sapphire Preferred earns Chase Ultimate Rewards points that have tremendous flexibility. When using these points to book travel through the Chase Travel portal, they’re worth 25% more. In other words, you get a redemption value of 1.25 cents per point. For example, 60,000 points are worth $750 in travel compared to redeeming your 60,000 points to get $600 in cash back or gift cards.

3. Transfer points to 14 airline and hotel partners

In addition to booking travel or getting cash back, cardholders can also transfer Ultimate Rewards points to 14 airline and hotel partners. Points transfer to 11 airlines and three hotel loyalty programs on a 1:1 basis without any transfer fees. Transfer partners include United Airlines, Air Canada, Air France, Marriott and Hyatt.

Transferring points tends to offer the highest value redemptions as you can often find outsize value when using your rewards to book peak travel dates, high-end hotels and premium cabin flights vs. what you’d pay in cash.

Unsure if a travel card is right for you? See our list of the best credit cards to review other options

4. Get a 10% bonus every year

Unlike the Chase Sapphire Preferred’s welcome bonus , which is a one-time windfall, on your account anniversary, you’ll receive unlimited bonus points worth 10% of your total purchases made during the previous year. For example, that means if you spend $50,000 over the 12 months of your account anniversary year, you’ll get 5,000 bonus points.

5. Repay eligible purchases up to 24 months without interest

The Chase Sapphire Preferred doesn’t offer a 0% intro APR period on purchases or balance transfers. However, you can use the My Chase Plan® to break up purchases of $100 or more into fixed monthly payments for up to 24 months without interest. Instead of interest charges, you’ll pay a fixed monthly fee to use this benefit.

6. Complimentary travel protections

Chase includes complimentary travel protections in case you encounter problems during your trip. When booking reservations with the Chase Sapphire Preferred, you’re covered against trip cancellation, interruption and delays. Coverage includes up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses if your trip is canceled or interrupted.

When your trip is delayed more than 12 hours or requires an overnight stay, you can receive up to $500 per ticket for meals, lodging and other eligible expenses. Baggage delay benefits provide up to $100 per day per person for five days to cover the essentials if your baggage is delayed more than six hours.

Rental cars are protected against damage or theft when you decline rental car collision insurance and charge the entire reservation to your Chase Sapphire Preferred card. This coverage is primary, which is rare in a card at this affordable price point.

7. Benefits that protect your purchases

Your eligible purchases are protected against damage or theft for the first 120 days. Purchase protection claims are good for up to $500 per item and $50,000 per account.

Chase also includes extended warranty protection on eligible U.S. manufacturer warranties of three years or less. This benefit provides an extra year of coverage on eligible items.

8. Partner benefits earn bonus points and save money

Chase Sapphire Preferred benefits include bonus points and savings with exclusive partnerships with popular brands. Lyft rides earn 5 points per dollar through March 2025. DoorDash provides a one-year, complimentary DashPass membership offering $0 delivery fees and lower service fees.

Cardholders can save money with a complimentary Instacart+ membership for six months and up to $15 in statement credits each quarter through July 2024.

9. No foreign transaction fees

Bring your Chase Sapphire Preferred when traveling internationally because it waives foreign transaction fees. This benefit avoids a hidden fee of up to 3% on international purchases that many other credit cards charge. For example, $5,000 in purchases in another country could incur up to $150 in foreign transaction fees if you used a credit card that charges such a fee.

10. Spend instantly upon approval

When you apply for a new credit card, you typically have to wait up to 10 days to receive your physical card before you can start spending. If you’re approved for the Chase Sapphire Preferred , new cardholders can start spending right away by adding the card to their digital wallets. This enables them to get a head start on meeting the requirements to earn the card’s welcome bonus .

11. Refer friends and earn bonus points

In addition to earning Chase Ultimate Rewards points on your purchases, you can also earn points by referring your friends and family to the Chase Sapphire Preferred card. You’ll receive 15,000 points for each friend who is approved for the card. Chase allows cardholders to earn up to 75,000 bonus points each year with successful referrals, which is worth over $900 in travel booked through the Chase Travel portal.

Should travelers get the Chase Sapphire Preferred card?

With so many benefits, it’s easy to see why the Chase Sapphire Preferred is such a valuable travel credit card. It earns  5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases, includes travel and purchase protections, and points can be redeemed in numerous ways. This card offers advantages whether you’re traveling internationally or making daily purchases in your local area. Plus, it includes limited-time partner offers that earn bonus points and provide savings on your purchases.

Frequently asked questions (FAQs)

When you rent a car and pay with the Chase Sapphire Preferred, you’ll automatically receive complimentary primary rental car coverage against damage or theft. 

And when using points to pay for your rental car reservation through Chase Travel, you’ll get 25% more value per point than you would if redeeming your rewards for cash back.

The Chase Sapphire Preferred includes numerous travel protection benefits in case your trip doesn’t go as planned. You’ll receive trip cancellation, interruption and delay benefits, as well as baggage delay insurance. Plus, your rental car is protected against damage or theft.

There are a few travel perks, however, the card does not offer including airport lounge access and a trusted traveler application fee reimbursement .

As an active-duty military member, you’re entitled to specific benefits through the Servicemembers Civil Relief Act (SCRA). Chase provides a reduction in the interest rate on your credit cards and waives the annual fees. To receive these benefits, send Chase a copy of your orders through a secure message at Chase.com or by mail.

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.

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel, and other personal finance topics. Lee enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

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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Key takeaways

• The Chase Sapphire Preferred® Card rewards structure makes it easily one of the top travel credit cards on the market.
• The card's lucrative sign-up bonus only adds to the allure for cardholders who are interested in a top travel rewards card.
• Other perks, like a hotel credit, trip insurance and no foreign transaction fees, as well as the card's comparatively modest annual fee, also make it worth consideration.

The Chase Sapphire Preferred® Card is easily one of the top travel credit cards on the market today thanks to its ongoing rewards structure, first-year welcome bonus and wealth of perks.

This Chase credit card comes with a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. And in terms of ongoing rewards, cardholders earn 5X points on travel purchased through Chase Ultimate Rewards and Lyft Rides (Lyft offer through March 2025); 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs); 2X points on general travel; and 1X points on everything else.

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

Chase Sapphire Preferred annual benefits

$50 hotel credit.

You’ll receive $50 in statement credits each year for hotel stays purchased through Chase Ultimate Rewards.

10% anniversary point bonus

Each account anniversary, cardmembers will automatically earn bonus points equal to 10 percent of the total spend in points made in the previous year.

Chase Sapphire Preferred travel benefits

No foreign transaction fees.

You won’t be charged foreign transaction fees on purchases made outside of the United States.

Auto rental collision damage waiver

This is secondary coverage good for up to the actual cash value of a vehicle for most rental cars within the U.S. and abroad.

Trip cancellation and interruption insurance

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

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

Baggage delay insurance

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

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

Trip delay reimbursement

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

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

Additional Chase Sapphire Preferred benefits

Complimentary dashpass subscription.

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

Purchase protection

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

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

Extended warranties

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

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

The bottom line

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

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

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

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Chase Sapphire Preferred ® credit card

New cardmember offer, earn 60,000 bonus points, at a glance, premium dining & travel rewards.

Travel Credit Card Rewards & Benefits

after you spend $4,000 on purchases in the first 3 months from account opening. * Opens offer details overlay That's $750 toward travel when redeemed through Chase Travel SM .

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.

Over $150 in additional partnership benefit value

Take advantage of over $150 in partner value Opens overlay. with Sapphire Preferred.

More ways to earn

Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel. * Opens offer details overlay

Earn 5x total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. * Opens offer details overlay

Earn 2x on other travel purchases. * Opens offer details overlay

Earn 3x points on dining, including eligible delivery services, takeout and dining out. * Opens offer details overlay

Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs). * Opens offer details overlay

Earn 3x points on select streaming services. * Opens offer details overlay

Plus, earn 1 point per dollar spent on all other purchases. * Opens offer details overlay

Additional Value with Ultimate Rewards

Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel. * Opens offer details overlay Plus, ultimate rewards points do not expire as long as the account is open.

Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you'll get 2,500 bonus points. * Opens offer details overlay

My Chase Plan

Eligible cardmembers can break up card purchases of $100 or more into fixed monthly payments with My Chase Plan ® . * Opens offer details overlay No interest, just a fixed monthly fee. † Opens pricing and terms in new window

Explore Additional Benefits

Refer Friends

if you already have either Chase Sapphire ® Card!

Earn up to 75K bonus points per year

Click the button below to start referring.

Cardmember Reviews

Just excellent.

This card offers the best of any aspect of life! Travel, Rewards, Cashback! Everything is just so well explained and the customer service is just perfect. Will be your best companion for travel, business, or pretty much anything you do!

Best travel card ever !

This card should be rated the best card for travelers. Great perks on travel and dining. No international transaction fees. Cash back actually covers the annual fees. Thank you Chase for giving the best and caring for consumers.

Best Credit Card I Have

I recommend this card to all my friends and family. I have two other credit cards, but usually only use my chase card because of all the benefits of using it. Plus, I feel safe using a chase card.

Browse credit cards by category

1:1 point transfer.

Are you a member of a frequent travel program? With Chase Sapphire Preferred ® , you can transfer your points to leading frequent travel programs at 1 to 1 value.

Airline Travel Partners

• Aer Lingus, AerClub
• Air Canada Aeroplan
• British Airways Executive Club
• Emirates Skywards ®
• Flying Blue AIR FRANCE KLM
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards ®
• United MileagePlus ®
• Virgin Atlantic Flying Club

Hotel Travel Partners

• IHG ® Rewards Club
• Marriott Bonvoy ®
• World of Hyatt ®

Partner benefits

Earn more points.

Earn 5x 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

Instacart+ Subscription

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+. * Opens offer details overlay Activate by July 31, 2024. Plus, Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay Membership auto-renews.

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

Earn 5x total points on Peloton equipment and accessory purchases over $150 with a max earn of 25,000 total points now through Mar. 31, 2025. * Opens offer details overlay

Travel & purchase coverage

Travel confidently, 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

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 the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad. ** 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

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 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 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 and emergency assistance. (You will be responsible for the cost of any goods or services obtained.) ** Same page link to disclaimer

Shop with confidence

Purchase protection.

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. ** Same page link to disclaimer

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less. ** 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.

No foreign transaction fees

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.

24/7 Access to a Customer Service Specialist

Enjoy 24/7 access to a customer service specialist from virtually anywhere in the world. photo by: Lillian Lin

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 .

Chase Pay Over Time SM

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 .

$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

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

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

Offer Details

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

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

$50 Annual Chase Travel Hotel Credit: A statement credit will automatically be applied to your account when your card is used for hotel accommodation purchases made through Chase Travel, up to an annual maximum accumulation of $50. Annual means the year beginning with your account open date through the first statement date after your account anniversary, and the 12 monthly billing cycles after that each year. Annually, the first $50 in Chase Travel hotel purchases will not earn rewards points. Statement credit(s) will appear on your monthly credit card billing statement within 1-2 billing cycles after your purchase posts to your account.

Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Preferred 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 Preferred 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: hotel accommodation purchases through Chase Travel that qualify for the $50 Annual Chase Travel Hotel 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. 2 points ("2X points") on travel purchases: You'll earn 2 points for each $1 spent on purchases made in the travel category. 5 points ("5X points") on Chase Travel purchases: You'll earn 5 points total for each $1 spent on purchases made using your card through Chase Travel (3 additional points on top of the 2 points earned on each purchase in the travel category). Any hotel accommodation purchases made using your card through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, won't earn points. "$50 Annual Chase Travel Hotel Credit" means the statement credit that is automatically applied to your account annually on hotel accommodation purchases made using your card through Chase Travel, up to an annual maximum accumulation of $50. "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. 3 points ("3X points"): You'll earn 3 points for each $1 spent on purchases in the following rewards categories: dining at restaurants including takeout and eligible delivery services; select streaming services; online grocery (excluding Target ® , Walmart ® and wholesale clubs). 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. 10% anniversary points bonus: Each account anniversary year, you'll earn bonus points that equal 10% of your total spend in points from purchases made with your credit card during the previous account anniversary year at a rate of 1 point for each $1 spent. "Account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. 5 total points ("5X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 3 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 "5X" in marketing materials to refer to the 3 points in addition to the 2 points earned on travel purchases (see above). The additional 3 points will appear on your billing statement in a separate line from the 2 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. 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 .

Third-Party Merchants: The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

25% More Through Chase Ultimate Rewards: 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 $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value, and points are worth 25% more than if redeemed for cash. For example, 60,000 points are worth $750 when redeemed for travel purchases, or $600 when redeemed for cash. If you choose to use points and your Chase Sapphire Preferred credit card to pay for your purchase, each point will be worth $.0125, but your credit card will be charged the full remaining dollar amount.

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

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 Preferred 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 .

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 6 months (for Chase Sapphire Preferred and Chase Sapphire 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 quarter (for Chase Sapphire Preferred and Chase Sapphire 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. Calendar quarters are Jan – March, April – June, July – September, October – December, and the partial calendar quarters at the beginning and end of the promotional period. 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 Preferred 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 quarter 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 quarter ends, the cost of the Instacart purchase will be allocated towards the next calendar quarter'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.

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.

Chase Mobile App: Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.

Chase Sapphire Preferred Card named "Best All-Purpose Travel Rewards 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 Preferred 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.

Chase Sapphire Preferred voted "Best Travel Rewards Credit Card" by readers of The Points Guy. Source: The TPG Awards, November 2023. The Points Guy is paid a fee for each approved Chase Sapphire Preferred account referred through its site. Chase does not exercise any editorial control over TPG credit card reviews.

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

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 Preferred 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.

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

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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.

Great for Flexible Travel Rewards

Chase sapphire preferred ® card.

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Current Offer

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

• 5X points on travel purchased through Chase Travel℠
• 25% more value when redeeming rewards for travel through Chase Travel℠
• 10% anniversary point bonus each year
• $50 annual credit on hotel stays booked through Chase Travel℠
• Premium travel protection benefits
• Has annual fee
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
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The Chase Sapphire Preferred® Card is one of the top rated credit cards out there. It’s especially beneficial for people who already have good credit and finances but are just starting to focus on credit card rewards. The Sapphire Preferred checks almost all of the boxes. It has a great welcome offer, its points are easy to use and it has above-average benefits.

Here’s a look at some of the top benefits of the Chase Sapphire Preferred® Card to help you get the most out of this popular card.

Earn points by charging purchases

The Chase Sapphire Preferred® Card currently has this welcome bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

You’ll earn 5 Chase Ultimate Rewards® points on Lyft purchases (through March 2025), 2 points per dollar spent on travel and dining and 1 point on all other purchases. The Chase Sapphire Preferred® Card comes with an annual fee of $95 .

» Learn more: Things to know before you get the Chase Sapphire Preferred

Get 25% more value when you redeem points for travel

If you have the Chase Freedom Flex℠ or the Chase Freedom Unlimited® , your Chase Ultimate Rewards® points are worth 1 cent each when you redeem them for travel, and you can’t transfer your points to Chase’s hotel or airline partners. With the Chase Sapphire Preferred® Card , points can be used to book travel through Chase's travel portal for a value of 1.25 cents per point.

That makes a 60,000-point welcome offer worth at least $750. Or you can transfer your points to one of Chase’s more than a dozen hotel and airline travel partners . This flexibility is one of the features that makes the Chase Sapphire Preferred® Card such a great option. The 25% boost when you book in the travel portal, combined with the option of transferring points to airline, hotel and other partner programs, is one of the best benefits of the Chase Sapphire Preferred® Card .

» Learn more: Benefits of the Chase Sapphire Preferred

Enjoy the card’s other valuable perks

With the Chase Sapphire Preferred® Card , you’ll also get:

No foreign transaction fees.

A minimum of one year of DashPass, which gives a $0 delivery fee and lower service fees on DoorDash orders over $12. Activate your subscription any time before Dec. 31, 2024.

Purchase protection of up to $500 per claim and $50,000 per account if your new purchases are stolen or damaged.

Trip cancellation/interruption insurance of up to $10,000 per person and $20,000 per trip.

Baggage delay insurance covering the purchase of toiletries and clothing, up to $100 a day, if your bags are lost or delayed more than six hours.

Trip delay insurance , which covers you for things like meals and hotel stays, up to $500 per ticket, if your trip is delayed more than 12 hours (or overnight).

Rental car insurance (more below).

» Learn more: Is the Chase Sapphire Preferred® Card worth its annual fee?

Use the rental car insurance

The car insurance that comes with the Chase Sapphire Preferred® Card is one of its best benefits. If you pay for your rental car with your Chase Sapphire Preferred® Card , or with Chase Ultimate Rewards® points earned with your card, you’ll be covered for theft and collision damage up to the cash value of the car.

This coverage is for most rental cars in the U.S. and most countries abroad. The coverage is primary, and you’ll need to decline the rental company's collision insurance. This can mean big savings if a rental car is part of your trip.

Compare: Chase Sapphire Preferred® Card vs. Chase Sapphire Reserve®

In addition to the Chase Sapphire Preferred® Card , Chase also offers the Chase Sapphire Reserve® — its ultra-premium card. There are some important differences:

Annual fee: $95 for the Chase Sapphire Preferred® Card and $550 for the Chase Sapphire Reserve® .

Earnings rate: The Chase Sapphire Preferred® Card gets 3x points on dining and 2x on all travel-related purchases, plus 1x on all other purchases. The Chase Sapphire Reserve® earns 3x points on both travel and dining, plus 1 point per $1 spent on all other purchases.

Redemption rate: 1.25 cents per point on the Chase Sapphire Preferred® Card and 1.5 cents per point on the Chase Sapphire Reserve® when redeemed through the travel portal (ongoing benefit).

Other high-value perks: The Chase Sapphire Reserve® comes with a $300 annual travel credit, along with Priority Pass airport lounge access and a $100 TSA PreCheck or Global Entry credit.

Both cards have primary rental car coverage: The Chase Sapphire Preferred® Card covers the actual value of the car while the limit on the Chase Sapphire Reserve® is $75,000 .

» Learn more: Chase Sapphire showdown: Preferred vs. Reserve

Is the Chase Sapphire Preferred® Card 's annual fee worth it?

The $95 annual fee on the Chase Sapphire Preferred® Card is not waived the first year. However, the Chase Ultimate Rewards® points that you’ll get as a welcome bonus more than offset it, at least for the first year.

After that you’ll have to decide how valuable the Chase Sapphire Preferred® Card is for your spending and travel patterns. If you have other Chase cards like the Chase Freedom® or the Chase Freedom Unlimited® , it’s valuable to also have a premium card like the Chase Sapphire Preferred® Card .

That way, your Chase points are worth more in Chase's travel portal and you have the ability to transfer to hotel and airline partners.

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

On a similar note...

7 Chase Sapphire Preferred benefits you might not know about

Editor's Note

The Chase Sapphire Preferred Card is one of the most popular travel rewards cards out there and comes with a number of well-known benefits , as well as an 60,000-point bonus when you spend $4,000 on purchases within the first three months of account opening — all for a $95 annual fee.

But what are some of the lesser-known benefits of the super-popular card? Let's take a look.

Complimentary DashPass

Historically, the Chase Sapphire Preferred hasn't offered much in the way of statement credits or similar benefits. It's a mid-tier credit card with a low annual fee, so that is to be expected. However, within the past couple of years, the Sapphire Preferred has received a couple of new perks from partners such as DoorDash.

Through Chase's partnership with DoorDash, a food pickup and delivery service, you can get at least one year of complimentary DashPass , the company's subscription service. DashPass comes with $0 delivery fees and reduced service fees on eligible orders over $12.

The subscription service typically costs $9.99 per month, which means you'll get at least $119.88 in value. Chase's DashPass partnership is valid through Dec. 31, 2024, depending on your activation date.

Related: 21 food delivery promo codes and offers to help you save money on your next meal

Trip cancellation/trip interruption insurance

If your trip is cut short or interrupted by sickness, severe weather and other covered situations (deemed so by the benefit administrator), you can be reimbursed for prepaid, nonrefundable travel expenses (such as plane tickets, hotels and tours) on up to $10,000 per person and $20,000 per trip. This coverage is available to you and your immediate family members traveling with you when you pay for the trip expenses with your Chase Sapphire Preferred.

I invoked this benefit for the first time when I was in Kuala Lumpur on business, staying at Le Méridien. I had brought my wife and 9-month-old son along to see the city and enjoy the hotel while I was at work each day. We had nonrefundable AirAsiaX tickets from Kuala Lumpur to Busan, Korea. Unfortunately, the day before our flight, my son awoke with a terrible cough. We decided a trip to Korea may not serve his best interests and it was time to send my wife and son back home to Japan and our doctor.

I called Chase at 3 a.m. Eastern Time to inquire about having the AirAsia tickets to Busan covered by the benefit. Within 10 minutes, I had an email requesting the canceled plane ticket itinerary, a doctor's note and the credit card statement showing where the tickets were purchased. Soon after, I confirmed the benefits administrator had received my documentation and I was told a $625 credit would be issued back to my Sapphire Preferred card. That was pretty fantastic.

Related: Your guide to Chase's trip insurance coverage

Baggage delay Insurance

If your checked bag is delayed by more than six hours, you can be reimbursed up to $100 per day for up to five days for essential purchases like toiletries and clothing. For example, my mother's checked suitcase did not arrive on Air Canada's flight from Toronto to Tokyo. I immediately called Chase from Narita International Airport (NRT) to inquire about this benefit.

I was told to get a baggage delayed report from the baggage service counter and keep receipts for any essentials she purchased, up to $100 a day for five days or until the suitcase arrived. The suitcase was finally delivered to my Japanese address four days later. In the meantime, we took full advantage of the benefit, with my mom buying $400 worth of clothes, shoes and toiletries to get around Japan during her stay.

I sent the benefits administrator a baggage delayed report, a courier note when the bag was finally dropped off, receipts for my mom's purchases and the credit card statement showing I had paid for her ticket. Since she had flown on an award ticket, I had only paid the fees with my Sapphire Preferred card (and not the whole fare). I was nervous this would make us ineligible for the perk, but we received a $400 check a short time later to cover the expenses.

Along these same lines, you may be eligible for up to $3,000 in lost luggage coverage. However, this benefit requires you to produce almost all your original receipts for items costing more than $25, making it much harder to get full value.

Related: When to buy travel insurance versus when to rely on credit card protections

Trip delay reimbursement

Have you ever been on the last flight of the day to your destination only to have it canceled? If it's due to weather or any other cause that allows the carrier to deflect blame, you may get a preferred rate from the local airport hotel or be out of luck altogether. Either way, you'll likely be forced to pay out of pocket.

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, the Chase Sapphire Preferred card covers you and your family for up to $500 per ticket of non-reimbursed expenses, such as meals and lodging. Thankfully, I've never had to put this benefit to use, but knowing I could stay in a nice place for free would make the situation a bit more tolerable.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Primary car rental insurance

While most — although not all — credit cards offer car rental insurance, you'll notice that there's a difference in the insurance being offered. While several credit cards offer secondary car rental insurance and some even charge a fee, others offer primary car rental insurance — better coverage for your next car rental.

Fortunately, one of the perks of the Chase Sapphire Preferred is that it offers primary car rental coverage for no added fee onto your rental. This means rentals of up to 31 consecutive days paid for with the card are covered for losses, including physical damage and/or theft of the rental vehicle, valid loss-of-use charges assessed by the rental company and reasonable and customary towing charges related to a covered loss. In addition, with this particular card, your coverage is up to the cash value of the rental car.

Using a credit card that offers this type of coverage means that you can decline any rental car agency insurance policy — which will save you money on your rental — and not have to file a claim with your own auto insurance policy.

While this is a benefit you hope you never have to use, it can sure come in handy in an unfortunate event. You'll also earn at least 2 points per dollar on all travel expenses, including car rentals, so you'll still be earning bonus points by paying for your car rental with the Sapphire Preferred.

Related: Best credit cards for rental car coverage

Purchase protection

This benefit covers eligible personal property (purchased using your Sapphire Preferred card) in the event of theft, damage or involuntary and accidental parting with property. If something happens to an item within 120 days of purchase, it will be repaired or replaced for a value of up to $500.

There's a lengthy list of excluded items, including animals, antiques, anything with an engine, perishable items and used/pre-owned items. Still, when I bought my latest iPad, I felt more at ease knowing I had 120 days of coverage if I spilled coffee on it or left it behind while traveling.

Plenty of other cards offer similar benefits (such as Amex purchase protection ), but it's good to know Chase is keeping up with the competition.

Related: The best credit cards for price protection

Extended warranty protection

This benefit can really save you money. Receive an additional year of coverage on eligible purchases with a manufacturer's warranty of three years or less. Boats, automobiles, aircraft, medical equipment, leased or pre-owned items and items for commercial use are ineligible.

A few years ago, I purchased what was then a top-of-the-line flat-screen TV for $1,200, with a manufacturer's warranty of two years. Then, one day three years later, my wife and I were watching a football game when a loud pop occurred, and a puff of smoke appeared from the back of the TV.

I called Chase, and a representative asked for a copy of the original purchase receipt and a letter from the TV manufacturer stating it was out of the manufacturer's warranty. I was then instructed to get an estimate from a TV repairman (yes, they still exist) of what it would cost to fix the TV. I flipped through the yellow pages (yes, these still exist too) and a few days later had an estimate saying the TV was broken beyond repair. After I submitted the estimate, I got a credit back for my original purchase price of the TV, as well as a credit for the TV repairman's fee.

I then bought a TV for $800 which was better than what I had paid $1,200 for three years earlier. In addition, Chase promises reimbursement within five business days of receipt and validation of all required documents. Needless to say, I was pretty excited this benefit was on the card.

Related: Best credit cards for extended warranties

Bottom line

Several of these benefits have provided excellent value for me and made life easier when I could have otherwise been out of luck. As always, make sure you read the fine print for benefits, terms and conditions. Clearly defined and labeled documentation submitted in a logical order has made the claim processes rather painless for me.

Also, note that the above seven benefits are by no means the only perks of the Chase Sapphire Preferred card. For example, travel accident insurance, zero liability protection and travel and emergency assistant services could all make a sour situation slightly sweeter.

Official application link: Chase Sapphire Preferred with 60,000 bonus points after you spend $4,000 in the first three months.

Additional reporting by Ryan Wilcox, Madison Blancaflor and Christina Ly.

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Full List of Travel Insurance Benefits for the Chase Sapphire Reserve Card [2023]

Christine Krzyszton

Senior Finance Contributor

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Auto Rental Collision Damage Waiver

Trip cancellation and trip interruption, trip delay reimbursement, lost luggage reimbursement, baggage delay, roadside assistance, emergency evacuation and transportation, emergency medical and dental benefit, travel accident insurance, travel and emergency assistance, time is of the essence, documentation is important, everything else you need to know, statement credits, additional benefits, the platinum card ® from american express, chase sapphire preferred ® card, capital one venture x rewards credit card, final thoughts.

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Few credit cards can compete with the Chase Sapphire Reserve ® when you’re looking for a premium travel rewards credit card. There are also few, if any, travel rewards cards that offer a better selection of travel insurance benefits.

Travel insurance benefits and protections that come with your credit card can provide valuable assistance if your trip is disrupted, reimburse you for expenses if things go wrong during your journey, and much more.

It’s become increasingly more important to have a level of travel insurance for peace of mind and to make you whole after an unexpected event. While the travel insurance that comes on your credit card is not meant to take the place of a comprehensive travel insurance policy , it can provide sufficient coverage for most trips you make.

Today, we’ll dive deep into the assortment of travel insurance benefits that come with the Chase Sapphire Reserve card.

We’ll also look at how the coverages work, glance at the process for filing a claim if something does go wrong, and in the end, give you all the other reasons we like the card for frequent travelers.

Chase Sapphire Reserve Card — Travel Insurance Benefits and Protections

There are so many reasons we like the Chase Sapphire Reserve card overall and we’ll cover those later in our article. For now, we’re going to jump right into the focus of our review, the travel insurance benefits and protections offered on the card.

Some benefits or protections can save you money , others provide assistance during your travels, and yet others offer peace of mind .

Here is our breakdown of the travel insurance coverages that can be found on your Chase Sapphire Reserve card.

The auto rental insurance coverage on your Chase Sapphire Reserve card could save you hundreds of dollars on your car rental bill. Simply reserve and pay for your car rental with the card, decline the car rental agency’s collision damage waiver (CDW) or loss damage waiver (LDW) coverage, and receive primary car rental coverage for theft or damage to the rental car.

Primary coverage means that you do not have to file a claim with another insurance company first.

Additional coverage includes loss of use charges and reasonable and customary towing charges.

You and authorized drivers listed on the rental agreement are covered.

Coverage limitations and conditions apply, including:

• $75,000 coverage limit
• Rental period cannot exceed 31 days
• Liability coverage and the loss of personal items are not covered
• Expenses reimbursed by other insurance are not covered
• Antique vehicles, vans that carry more than 9 people, motorcycle/bikes, limos, and recreational vehicles are not covered

Bottom Line: The Chase Sapphire Reserve card comes with primary car rental insurance. If a car rental agency charges $20 per day for this coverage, you could save $140 on a 7-day rental by declining the rental car agency’s collision damage waiver or loss damage waiver coverage.

When you pay for your trip partially or in full with your Chase Sapphire Reserve card, with Ultimate Rewards points earned on your card, or a combination of both, you could receive a benefit if your trip has to be canceled or is disrupted for a covered reason.

Examples of covered events could include:

• Severe weather that prevents you from beginning a trip or keeps you from continuing your travels
• Illness or death of an immediate family member or travel companion
• Certain legal obligations

Examples of expenses reimbursed include:

• Prepaid non-refundable expenses charged by a travel supplier, such as a tour operator, airline, or other common carriers
• Non-refundable prepaid expenses charged by rental car or travel agencies
• Under trip interruption, $250 for emergency ground transport

The trip cancellation/interruption coverage that comes with the Chase Sapphire Reserve card pays up to $10,000 per person, per trip , up to $20,000 per occurrence, and up to a maximum of $40,000 in a 12-month period.

Examples of losses that would not be covered could include:

• Cancellation by the travel provider (unless due to severe weather)
• You change your plans
• Preexisting conditions
• Financial insolvency of the travel provider
• Losses that occur on trips exceeding 60 days

Hot Tip: The trip cancellation and trip interruption insurance that comes with a credit card, including the Chase Sapphire Reserve card, does not cover voluntary trip cancellations. If you think you might have to cancel a trip, you should purchase Cancel for Any Reason Insurance which provides coverage regardless of the reason for cancellation. 

Trip delays of more than 6 hours or an overnight stay trigger the trip delay reimbursement coverage on your Chase Sapphire Reserve card. You and your eligible family members could receive up to $500 for each purchased ticket , per trip, for unreimbursed expenses for incidentals, lodging, and meals.

If your checked or carry-on luggage is lost, stolen, or damaged, you could receive up to $3,000 per person , per trip. There is a sub-limit of $500 included in the $3,000 maximum for valuable items such as jewelry watches, and specific electronics.

When your bags are delayed for more than 6 hours , you could receive up to $100 per day for 5 days for reimbursement of essentials such as clothing, toiletries, and a cell phone charger.

Make just a call if you have a roadside emergency and receive assistance with services such as flat tire replacement, emergency fuel, jump-start service, towing, lock-outs, and more.

The number of covered service calls each 12-month period is limited to 4 and the maximum coverage is $50 per service call. Any charges over that amount will be charged to the Chase Sapphire Reserve card.

Pay for at least a portion of your common carrier trip with your Chase Sapphire Reserve card. Then, if you or an immediate family member become injured or sick during your travels and need emergency evacuation, the card could provide up to $100,000 in coverage .

Trips must be at least 5 days in length , not more than 60 days, and the traveler must be more than 100 miles from home.

This is not reimbursement coverage — you must call the benefits administrator at the time of the incident to initiate emergency transport.

It’s rare to find any medical or dental coverage provided on a credit card, but the Chase Sapphire Reserve card offers this benefit for its cardholders and qualifying family members.

Here’s how the coverage works:

• Provides up to $2,500 ($50 deducible) for emergency medical or dental services during a covered trip
• Up to $75 per day for 5 days for a hotel if ordered by the attending physician
• Emergency medical/dental services, hospital room, ambulance, medicines, and supplies are examples of covered items
• The trip must be more than 100 miles from your residence

Travel Accident Insurance is a benefit seldom ever used but it can provide peace of mind knowing that if a covered death or dismemberment occurred during you or your family’s common carrier trip, there could be a benefit provided.

The card comes with up to $1,000,000 in coverage.

Whether you need assistance planning your trip or need help during your travels, you’ll have access to a dedicated phone line 24/7 . Receive assistance such as help securing emergency transportation, translation, medical, and legal referrals, help with lost passports, or emergency ticket replacement.

The cost of the actual services received is the responsibility of the cardholder.

Bottom Line: The Chase Sapphire Reserve card comes with one of the best collections of travel insurance benefits and protections available. To learn about additional credit cards also offering travel insurance, check out our list of the best credit cards for travel insurance . 

How To File a Claim

The best time to think about filing a travel insurance claim is before an event happens . Before setting off on your trip, it’s wise to take a few minutes to learn how you or your travel companions could receive assistance, should your trip be disrupted.

Reviewing the process of how to contact the claims administrator en route, should it become necessary, could save you money and frustration after the fact for not following the correct procedure for coverage to be valid.

Reviewing the claims process in advance also makes it easier to gather needed information at the time of disruption, such as photos or a statement from the travel provider, versus trying to secure the needed documentation once you’ve arrived home from a disrupted trip.

Here’s what you’ll need to know about filing a claim for Chase credit card travel insurance benefits and/or protections.

Each specific travel insurance coverage has stated time limits to report a claim, submit the completed and signed claim form, and for supplying all of the required documentation. Failing to do so could jeopardize the processing of your claim.

The best rule of thumb is to contact the claims administrator as soon as an event occurs . This action can also help you receive proper instructions on how to proceed to make sure your expenses will be covered.

You will be asked to submit documentation for your claim to be processed properly. Keep in mind that Chase is not processing your claim as the card issuer utilizes a third-party claims administrator .

You could be asked to provide any of the following information:

• A completed and signed claim form
• Your credit card statement that includes the last 4 digits of the card and receipts showing you paid for the trip/car rental with the eligible card and/or associated points
• A copy of your common carrier ticket and itinerary
• Any related medical documents and/or death certificate
• Documentation from the travel provider as to why the trip was interrupted, canceled, or delayed
• Receipts for purchases and food expense receipts over $50
• Copy of the travel provider’s cancellation or refund policy
• Any additional documentation requested by the benefit administrator

Hot Tip: The claims process will be easier if you have saved receipts, kept travel provider cancellation/refund policy documentation, and have copies of your ticket information and itineraries. 

Our list of Chase Sapphire Reserve card travel insurance benefits is an overview only. We have also abbreviated the coverage descriptions. You will need to access the official Guide to Benefits for the card for terms, conditions, current coverage limits, and claim procedures.

Also, note that most travel insurance benefits that come with credit cards are normally secondary to other insurance you might have that would otherwise cover the loss. If you are compensated by an airline for lost luggage, for example, you would only have coverage via your credit card for any excess loss you incurred above the airline’s payment (up to the limits of coverage).

Why We Like the Chase Sapphire Reserve Overall

In addition to having one of the best travel insurance offerings among credit cards, the Chase Sapphire Reserve card comes with strong earnings, redemption options, statement credits, and additional benefits.

Here are some of the reasons we like this premium travel rewards card.

Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

Financial Snapshot

• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: None

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• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
• Chase Sapphire Reserve Military Benefits
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• Chase Sapphire Preferred vs Reserve

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

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

• 10x earnings on car rentals, hotels, and dining booked via Chase Travel
• 5x earnings on air travel
• 3x earnings on all other travel and dining
• 10x earnings on Lyft rides (through March 2025)
• 1x earnings on all other purchases

When it comes time to redeem your Ultimate Rewards points , you’ll have several options offering various values:

• Transfer Ultimate Rewards points to Chase airline and hotel partners to redeem for award tickets or free hotel nights
• Redeem via the  Chase travel portal  for 1.5 cents each
• Redeem for a statement credit or cash-back at 1 cent each
• Pay Yourself Back to redeem your points for a statement credit at 1.25 to 1.5 each from a list of eligible purchases that rotates
• Redeem for gift cards, experiences, merchandise, or at Amazon and Apple

Other redemption values vary, but always strive to receive no less than 1 cent per point redeemed as you can cash out points for that amount. Transferring Ultimate Rewards points to travel partners can potentially result in the most value for your points. You may also find good value via the Chase travel portal utilizing points at 1.5 cents each for inexpensive flights.

Receiving statement credits for purchases you’ll be making anyway is an effective way to offset the card’s annual fee. Here are the statement credits you can expect from the Chase Sapphire Reserve card:

• $300 Travel Statement Credit — Each card anniversary year, you’ll receive reimbursement for your travel purchases in the form of a statement credit of up to $300.
• Global Entry, NEXUS, or TSA PreCheck Fee Reimbursement — Once every 4 years, you can receive up to $100 reimbursement for Global Entry fees, $50 for NEXUS enrollment, or $78 for TSA PreCheck.

• Complimentary Priority Pass Select Membership — Enjoy access to over 1,400 airport lounge and lounge-alternative properties worldwide with your membership. You’ll also be able to bring in 2 additional guests at no extra charge.
• Complimentary DoorDash DashPass Subscription — You’ll have free delivery on all orders $12 or more and discounted fees (over $100 value). Activate by December 31, 2024.
• No Foreign Transaction Fees — A typical foreign transaction fee can be 3% of your transaction. You won’t have any such fees on your foreign purchases when you use your Chase Sapphire Reserve card.
• Purchase Protection — Use your card to purchase an eligible item and if that item is damaged, stolen, or experiences “involuntary and accidental parting” you could receive up to $10,000 per claim, for a maximum of $50,000 per year . The coverage is valid for 120 days from the purchase date. Gifts purchased for others are also covered.
• Return Protection — If the merchant will not take back any eligible item within 90 days after the purchase date, you could receive up to $500 per item, $1,000 maximum per year.
• Extended Warranty — The manufacturer’s warranty of 3 years or less will be extended for 1 additional year for eligible items. Coverage is limited to $10,000 per claim, $50,000 per account.

Bottom Line: With powerful earning and redemption options, statement credits for specific purchases, worldwide lounge access, and a long list of travel and shopping benefits/protections, the Chase Sapphire Reserve card can be worth the annual fee. 

Alternative Travel Rewards Cards

While we think the Chase Sapphire Reserve card is an excellent choice for a travel rewards card, here are a couple of equally appropriate alternatives for the frequent traveler.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.
• APR: See Pay Over Time APR

American Express Membership Rewards

• Amex Platinum 150k Welcome Bonus Offer
• Benefits of The Amex Platinum
• How to Use 100,000 Amex Platinum Points
• Amex Platinum Card Requirements
• American Express Platinum Military Benefits
• Amex Platinum and Business Platinum Lounge Access
• Amex Platinum Benefits for Authorized Users
• Amex Platinum vs Delta Platinum
• Capital One Venture X vs Amex Platinum
• Amex Platinum vs Delta Reserve

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

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

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)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• 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.
• APR: 21.49%-28.49% Variable
• The Chase Sapphire Preferred 80k or 100k Bonus Offer
• Benefits of the Chase Sapphire Preferred
• Chase Sapphire Preferred Credit Score Requirements
• Military Benefits of the Chase Sapphire Preferred
• Chase Freedom Unlimited vs Sapphire Preferred
• Amex Gold vs Chase Sapphire Preferred

If you’re looking for a travel rewards credit card but are reluctant to pay a high annual fee, or you won’t use all of the benefits offered on the Chase Sapphire Reserve card, you might want to consider the Chase Sapphire Preferred card .

The Chase Sapphire Preferred comes with many of the travel insurance benefits and protections offered by the Chase Sapphire Reserve card and it’s one of our favorite travel rewards cards.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $300 annual travel credit on bookings made through Capital One Travel
• Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• 10,000 bonus miles awarded on your account anniversary each year
• Global Entry or TSA PreCheck credit
• Add authorized users for no additional annual fee ( rates & fees )
• No foreign transaction fees ( rates & fees )
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck ®
• APR: 19.99% - 29.99% (Variable)

Capital One Miles

• Benefits of the Capital One Venture X Card
• Best Ways to Use Venture X Points
• Capital One Venture X Credit Score and Approval Odds
• Capital One Venture X Lounge Access
• Capital One Venture X Travel Insurance Benefits
• Capital One Venture vs Venture X
• Capital One Venture X vs Chase Sapphire Reserve
• Best Credit Cards with Priority Access
• Best Credit Cards for Airport Lounge Access
• Best Capital One Credit Cards
• Best Luxury and Premium Credit Cards
• Best Metal Credit Cards
• Best High Limit Credit Cards
• Choice Privileges Loyalty Program Review

The newest premium travel rewards card on the block is the Capital One Venture X card . We like that the card comes with an annual $300 credit for travel purchased via Capital One Travel .

The card’s annual fee is also lower than most premium travel rewards cards but you’ll still find travel insurance , worldwide lounge access , Global Entry or TSA PreCheck fee reimbursement, stellar earnings on travel, cell phone protection , and a respectable 2x earnings on all other purchases.

While the high annual fee may be off-putting, the Chase Sapphire Reserve card is packed with plenty of benefits to justify the expense — if you’ll utilize the majority of those benefits.

Our focus today was on travel insurance benefits that alone could save you money, provide compensation, and/or reimbursement if your trip is disrupted. But there is additional value in all the other benefits offered on the card .

A Priority Pass Select membership, for example, will set you back as much as $469 each year, plus $35 for each guest, per visit. The Priority Pass membership that comes with the Chase Sapphire Reserve card offers unlimited access for the cardholder and allows 2 additional guests at no charge.

The card also comes with a $300 travel credit , and up to $100 for Global Entry, NEXUS. or TSA PreCheck fees.

If you can utilize the benefits, the card can be worth it.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the chase sapphire reserve card have travel insurance.

The Chase Sapphire Reserve card has one of the best travel insurance packages available.

You’ll find a collection of travel insurance coverages that include primary car rental insurance, trip cancellation/interruption, lost and delayed baggage coverage, emergency evacuation and medical, roadside assistance, and more.

Is the Chase Sapphire Reserve card worth the annual fee?

If you will utilize the benefits offered on the Chase Sapphire Reserve card, the card is definitely worth it.

In fact, we’ve estimated that the card offers benefits that could be valued at nearly $3,500.

Does the Chase Sapphire Reserve card have primary car rental insurance?

The Chase Sapphire Reserve card does offer primary car rental insurance.

Primary car rental insurance does not require that you file a claim with your own car insurance company insurance first. If a covered event occurs, you will have coverage on your Chase Sapphire Reserve card.

You must pay for the entire rental with your Chase Sapphire Reserve card and decline the rental car agency’s collision damage waiver coverage for coverage to be valid.

Can I have more than 1 Chase Sapphire credit card?

While you can have more than 1 Chase credit card, you can only be the primary cardholder on 1 Chase Sapphire credit card, either the Chase Sapphire Reserve card or the Chase Sapphire Preferred card. You could, however, be an authorized user on another Sapphire card.

Which card is better, the Chase Sapphire Preferred card or the Chase Sapphire Reserve card?

Both the Chase Sapphire Preferred card and Chase Sapphire Reserve card offer benefits for the frequent traveler.

The better card for you will depend on your spending mix, your preferred redemption options, your tolerance for paying an annual fee, and the level of travel benefits/protections you will use on the card.

To assist you further, we’ve put together a detailed article comparing the 2 cards. Access our article on the Chase Sapphire Reserve card vs. the Chase Sapphire Preferred card .

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Chase ink business preferred vs. sapphire preferred: a breakdown.

Quick insights

• Chase Ink Business Preferred ® and Chase Sapphire Preferred ® are credit cards with some similarities but several significant differences.
• Sapphire Preferred is suited for personal use, whereas Ink Business Preferred is a business credit card.
• Understanding the differences can be helpful when deciding on a card that’s the best fit for you.

The Ink Business Preferred and Sapphire Preferred credit cards have benefits that could appeal to your goals. You could also find that certain benefits may outweigh the cards’ respective annual fees. In this article, we’ll explain what separates the cards and note some of the similarities for good measure.

Ink Business Preferred and Sapphire Preferred: The differences

The differences between these two credit cards are best represented by a few distinguishable aspects.

Card category

You might have heard about different types or categories of credit cards if you’ve ever shopped around or compared them. Chase Ink Business Preferred is considered a business credit card. It’s designed for business use, offering rewards and benefits tailored to business expenses like shipping and advertising purchases made with social media sites and search engines. Chase Sapphire Preferred is a personal credit card with key traits that include the card’s travel benefits and rewards for general spending.

Ink Business Preferred offers bonus points for spending on business-related categories. Examples include shipping, business travel and advertising purchases made with social media sites and search engines. Meanwhile, a hallmark of the Sapphire Preferred card is its travel rewards program. Additional rewards points could also be earned on travel and dining purchases. In some cases, those points could offer bonus value or savings when redeemed for eligible travel.

Additional benefits

Certain benefits of the Ink Business Preferred and Sapphire Preferred cards demonstrate how these cards are in separate categories. Ink Business Preferred offers employee cards at no extra cost. Plus, primary rental car insurance is available and can be particularly useful for business trips. In general, Ink Business Preferred benefits are tailored to business owners, while Sapphire Preferred rewards, perks and benefits focus on services that are helpful when traveling. The card’s benefits, like those of several Chase travel credit cards, include Travel and Emergency Assistance Services and Trip Delay Reimbursement.

Features of Ink Business Preferred and Sapphire Preferred

We’ve covered the fact that Chase Ink Business Preferred and Chase Sapphire Preferred fit in distinct credit card categories. They’re generally designed for different purposes, but given that Chase issues both cards, they share some common features. Both cards use the Chase Ultimate Rewards ® program. This versatile program has many possibilities for redeeming points earned on purchases made with a Chase credit card.

Redeeming rewards points for each card

Ultimate Rewards points earned with Chase Ink Business Preferred and Chase Sapphire Preferred can be redeemed through the Ultimate Rewards portal . Cash back, for example, can be received as gift cards, a direct deposit or statement credit.

Ultimate Rewards points may have additional value when redeemed for certain experiences or purchases through the Ultimate Rewards or Chase Travel portals. Specific options vary by credit card, but Ultimate Rewards provides ample variety for cardmembers.

Customers can also use their points, their credit card, or both to book flights, hotels, and more with Chase Travel portal . You could transfer Ultimate Rewards points to eligible travel programs, too, including several frequent flyer and hotel loyalty programs. Points can be transferred to many partner programs at full 1:1 value, meaning one Chase Ultimate Rewards point equals one partner mile/point.

How eligibility for Ink Business Preferred and Sapphire Preferred works

These days, applying for a credit card online can be straightforward, but you’ll need certain information on hand. Basic contact information, income and a Social Security number are usually required to complete an application. For a business credit card application, the business’ Federal Tax Identification Number (FTIN) or Employer Identification Number (EIN) is usually required.

Card issuers may use application information and evaluate many criteria when deciding whether to approve a credit card application. The requirements and factors that issuers evaluate can vary by credit card, as well. Ink Business Preferred and Sapphire Preferred are no exception.

Chase Ink Business Preferred is categorized as a business credit card. Certain benefits may be most appealing to business owners. They may enjoy the accelerated rewards in business-related categories. Meanwhile, Chase Sapphire Preferred is a personal credit card you could consider a travel card. Its benefits and rewards could be most useful whether you’re earning rewards on travel spending or booking through Chase Travel.

This breakdown of Sapphire Preferred and Ink Business Preferred is just one example of how different credit cards can suit different situations, preferences and lifestyles. Comparing specific cards can help you review different types of credit cards or several of the same type so you can find a card that’s right for you.

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1. It offers flexible rewards

2. chase has my preferred travel partners, 3. it covers restaurant purchases, 4. $50 hotel credit, 5. no foreign transaction fees, and one thing i wish it did include, the bottom line, 5 reasons why the chase sapphire preferred should be your next card.

This affordable card has some extra perks worth checking out, especially with travel season on the horizon.

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.

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

For a while now I’ve been searching for a travel credit card to add to my repertoire of cards. Recently, I chose the Chase Sapphire Preferred® Card to fill that role. While there were other options I considered (looking at you, Wells Fargo Autograph Journey℠ Card *), in the end, the Sapphire Preferred offered everything I was looking for, with one exception.

The biggest draw to the card, for me, was its rewards program. Primarily, its 5x points for travel booked through the Chase Travel℠ portal, and 1:1 point transfer rate to Chase’s hotel and airline partners.

I like that it provides a lot of choices when it comes time to redeem. You can either redeem for travel directly through Chase Travel to earn a 25% bonus or transfer your points to Chase’s travel partners. You could also redeem for statement credits, but then you’d miss out on considerable value.

When you use point transfers, you could even find a greater per-point value than if you chose to opt for Chase’s redemption bonus . And luckily, Chase is partnered with some great options , including brands that I fly with or stay with often, like United, Southwest and JetBlue. They also partner with IHG Hotels, Marriott Bonvoy and World of Hyatt.

When you transfer points to any of its partners, you’re guaranteed a 1:1 transfer rate. But that’s just the floor -- oftentimes, you’ll get an even higher per-point value when you move your points to a partner’s program.

Before applying for the Sapphire Preferred, I had two go-to credit cards -- the Blue Cash Preferred® Card from American Express * and the Wells Fargo Active Cash® Card . That left a glaring hole in the purchases that earned a good rewards rate -- dining.

By adding the Sapphire Preferred to my wallet, I’ll earn a return on all of my frequent purchases -- groceries, gas, travel, dining and everything else.

One of the card’s better perks is its $50 annual hotel credit for stays booked through Chase Travel. If you can use that every year, it essentially knocks off $50 from the card’s $95 annual fee.

Paying essentially $45 each year (after using the credit) is a pretty great deal for how valuable the card’s rewards could likely be.

This isn’t unique to the Sapphire Preferred (none of the best travel credit cards charge foreign transaction fees), but it factored into my decision nonetheless. I have some international travel coming up, and being able to put everything on one card without worrying about incurring any additional fees will make it a bit easier to budget.

The card checks all of my boxes, aside from one. I was hoping to get an application fee credit for TSA PreCheck or Global Entry . I often look at the shorter TSA PreCheck lines from the meandering, snake-like TSA line with envy.

However, if you do want everything the Sapphire Preferred offers (and then some) you could upgrade to the Chase Sapphire Reserve® . It offers cardholders up to $100 in statement credits for the application cost of TSA PreCheck or Global Entry.

And not only does it include the benefits listed above, but it also improves on the Sapphire Preferred’s annual travel credit. Instead of a $50 credit, the Sapphire Reserve features a $300 annual travel credit. The catch is it also charges a $550 annual fee.

The annual travel credit and TSA PreCheck/Global Entry application fee essentially drop the annual cost to $150. Depending on how much use I get from the Sapphire Preferred, I may upgrade to the Sapphire Reserve.

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Wells Fargo Autograph Journey℠ Card

The Chase Sapphire Preferred matched everything I was looking for. It has an annual fee that should be easy to cover with its rewards, transfer partners that I fly with or stay with often, and a travel credit that could knock off some of the cost of its annual fee.

If you’re looking for expanded perks, including an application fee credit for TSA PreCheck and a larger annual travel credit, check out the Sapphire Reserve. It’s a bit more expensive, but if you have the travel budget to cover the cost, it could be an even better option.

*All information about the Wells Fargo Autograph Journey℠ Card and the Blue Cash Preferred Card from American Express has been collected independently by CNET and has not been reviewed by the issuer.

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.

Unearth Hidden Gems: The Ultimate Guide to Maximizing Your Travel Rewards Credit Cards

I magine planning your dream vacation. Pristine beaches, historical landmarks, or thrilling adventures, but just as you're about to book, your heart sinks. The cost is just too much. Now, imagine an alternate reality where you've got a secret weapon: your travel rewards credit card. It’s time to uncover the true potential of your plastic friend!

• Almost half of U.S credit card users utilize a travel rewards credit card.
• Chase Sapphire Preferred Card offers a hefty sign-up bonus and exceptional value.
• Optimizing the use of your travel rewards credit card can unlock tremendous benefits.

Unlock the Secrets of Travel Rewards Credit Cards

According to a study by JD Power, a whopping 47% of credit card users in the United States have a travel rewards credit card. Yet, many are not maximizing these benefits, leaving potential free trips on the table.

Your Key to Exotic Destinations: Chase Sapphire Preferred Card

One of the secret weapons for smart travelers is the Chase Sapphire Preferred Card. Consistently ranked as one of the top travel rewards credit cards, it offers a 60,000-point sign-up bonus, which is worth $750 in travel when redeemed through the Chase Ultimate Rewards program.

Crack the Code: Use Your Card Strategically

In the words of Erin El Issa, credit card expert at NerdWallet, " Travel rewards credit cards can offer tremendous value, but only if you use them strategically. It's important to consider factors like annual fees, foreign transaction fees, and the flexibility of the rewards program before committing to a specific card." So, let's get you strategic and savvy with your card use!

Maximize Your Benefits

Here's a secret tip. Sign-up bonuses are a quick way to accumulate points, but they are just the tip of the iceberg. Consider using your card for everyday purchases, paying off your balance regularly to avoid interest, and leveraging card benefits like travel insurance and lounge access.

Understanding the Types of Travel Rewards

Travel rewards come in different flavors, and understanding what's on the menu can help you maximize the benefits. There are three main types: generic travel rewards, airline miles, and hotel points. Each has its perks, depending on your travel habits.

The Art of Double Dipping

Double-dipping isn't just for chips and dip. In the travel rewards world, it's an art form. This strategy involves earning points on both the travel rewards credit card and the airline or hotel loyalty program for the same trip. It's like getting two for the price of one!

Become a Point Transfer Pro

Another tip to squeeze the most value out of your travel rewards credit card is to become proficient in point transfers. Some cards allow you to transfer points to partner airlines or hotels, often at a 1:1 ratio. This strategy could exponentially increase the value of your points if you hit sweet spots in the partners' reward charts.

It's time to seize the moment, pack your bags and fly to that dream destination with the power of travel rewards credit cards. Remember, the key to maximizing your card's potential lies in strategic utilization. Make every swipe count!

What is a travel rewards credit card?

A travel rewards credit card is a type of card that earns points or miles on purchases, which can be redeemed for travel-related expenses.

Are travel rewards credit cards worth it?

Yes, if used strategically, they can offer substantial value in the form of free or discounted travel.

How can I maximize my travel rewards credit card benefits?

Utilize your card for everyday expenses, pay off your balance regularly to avoid interest, and take advantage of sign-up bonuses and card perks.

What types of travel rewards can I earn with my credit card?

You can earn generic travel rewards, airline miles, or hotel points depending on the specifics of your card.

What is double-dipping in the context of travel rewards credit cards?

Double-dipping means earning points on both your travel rewards credit card and an airline or hotel loyalty program for the same trip.

Can I transfer my credit card travel rewards points?

Yes, some travel rewards credit cards allow you to transfer points to partner airlines or hotels, which can potentially increase the value of your points.

• JD Power (2023). Credit Card Satisfaction Study.
• NerdWallet (2023). Erin El Issa. Travel Rewards Credit Cards.
• Chase (2023). Sapphire Preferred Card.

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How to save on travel with a Costco credit card

If you’re a regular Costco shopper, the Costco Anywhere Visa® Card by Citi can make a lot of sense for your wallet. With savings both at the wholesale club and on additional everyday spending categories, it has a lot of savings potential.

Before you plan your next vacation, you should also consider its potential value as a travel credit card . Specifically, as a way to save more money when you book a trip through Costco Travel.

Whether you’re a Costco member already or considering joining the club, here’s what to know about saving on your next Costco Travel booking with a Costco credit card.

Costco Anywhere Visa® Card by Citi details

Annual fee: $0 (though you must be a Costco member, which costs $60-$120 annually)

Welcome offer: N/A

4% cash back on eligible gas and electric vehicle charging purchases (up to the first $7,000 spent each year, then 1%)

3% cash back at restaurants

3% cash back on eligible travel purchases (including Costco Travel)

2% cash back on all other Costco and Costco.com purchases

1% back on everything else

More details: This card offers few added benefits beyond the cash rewards it offers. You’ll receive your cash-back rewards once per year as a rewards certificate, which you can redeem only at U.S. Costco warehouses in a single transaction.

Costco Travel details

Costco Travel is a service Costco members can use to book hotels, rental cars, cruises, and whole vacation packages at discounted rates. You can even find theme park tickets (including Disneyland and Walt Disney World ) and all-inclusive resort packages.

While you must be a Costco member to use Costco Travel, there’s no option to book your trip in-store at a warehouse. You can either search travel options through the online Costco Travel portal or speak with an expert by phone at 1-866-921-7925.

If you have a Costco Executive membership (the $120/year tier), Costco Travel purchases also count toward your 2% annual rewards. You’ll earn 2% rewards on the bulk of your travel costs, though taxes, fees, surcharges, and some other parts of the transaction may not be included.

When you book through Costco Travel, your package often comes with additional credits or other benefits to add even more value to your vacation. You may also earn Digital Costco Shop Cards with your travel purchase. These are essentially Costco gift cards that you can use on future Costco spending with Costco Travel, on Costco.com, or at Costco warehouses.

When you search for deals through the Costco Travel site, the itinerary overviews will typically indicate whether the trip comes with a Digital Costco Shop Card (along with info about daily resort credits and other savings). These gift cards can offer you hundreds of dollars in value back on your vacation to put toward future everyday spending with Costco.

Travel benefits of the Costco Anywhere Visa

When you use your Costco Anywhere Visa to book a trip through Costco Travel, you’ll get 3% cash back on the purchase. These 3% rewards are in addition to the 2% you’ll earn as an Executive Member and any potential Digital Costco Shop Cards.

Plus, your Costco Anywhere Visa includes a few travel protections that can help keep you covered on your trip. These include travel accident insurance, car rental insurance, travel and emergency assistance, and more. Make sure you read your card’s terms to see what your exact protections are.

Finally, this card has no foreign transaction fees — so you can use your Costco card and earn more rewards when traveling abroad without taking on any extra charges.

How much can you save on travel with the Costco Anywhere Visa?

With multiple ways to earn rewards, it’s possible to score a lot of potential savings on your Costco Travel booking.

Let’s take, for example, a family of four planning a vacation to an all-inclusive family resort in Cancun during the fall. They’ll leave from Dallas and want to book a room at the Hyatt Ziva Cancun from Oct. 6-11.

If they were to book this vacation through Costco Travel today — the all-inclusive resort, flights for four, and transportation to and from the airport — the cost would total $5,748.58. For comparison, we also looked up the price to book the same trip directly through the airline and hotel — today, that cost is about $5,700.

While, on the surface, the two bookings are almost exactly the same price, that doesn’t account for the extra Costco rewards.

Here’s the savings breakdown when we account for the Costco Travel rewards. The below amounts assume all costs are eligible for rewards and that our family has an Executive membership.

3% cash back with the Costco Anywhere card: $172.46

2% back with Executive membership: $114.97

Digital Costco Shop Card included with booking: $321

Total: $608.43

Of course, you can also save when you book directly with the airline and hotel if you’re a member of their loyalty programs. You could also use another travel credit card with rewards for travel bookings.

But there is a ton of value in the multiple ways to earn and save through Costco — if you’re already a regular Costco shopper and will get the full value of your rewards. In this case, you could essentially reduce your cost from $5,748.58 to $5,140.15, with those savings going toward your future Costco spending.

Note: These totals are just examples; the actual amount you’ll owe will change depending on when you’re looking to book and your specific travel details, as well as adding on fees and taxes not included here

More travel cards to consider

If you’re not sure a Costco credit card is the best option for your travel savings, there are plenty of great travel rewards credit cards available today with a range of rewards programs , categories, and added benefits. Here are some of our top picks:

Chase Sapphire Preferred® Card

Why we like it: For a $95 annual fee, the Chase Sapphire Preferred offers travel rewards and great redemptions. After you’re approved you can earn 60,000 bonus points when you spend $4,000 within the first three months. Ongoing rewards include 3x points on dining, online grocery purchases, and select streaming services, and 1x points on all non-bonus category spending. You’ll also get an annual $50 statement credit each account year for hotel purchases through Chase Travel; travel you purchase through Chase Travel (excluding spending that qualifies for the hotel credit) earns 5x points and all other travel spending earns 2x points.

When you’re ready to redeem your Chase Sapphire Preferred points, you can get a 25% boost when you redeem for travel through Chase. That means that every point is worth 1.25 cents toward travel. For example, you can get $750 in travel value with the 60,000-point welcome offer. You’ll also get an annual points bonus on your account anniversary equal to 10% of your total purchases over the year prior.

Capital One Venture Rewards Credit Card

Why we like it: Solid travel rewards earnings don’t get more straightforward than the Capital One Venture . This card has a $95 annual fee and a welcome offer worth 75,000 bonus miles after you spend $4,000 within the first three months. For rewards, you’ll earn 5x miles when you book hotels and rental cars through Capital One Travel and 2x miles on every other purchase.

To redeem your miles for travel, you’ll have the option to book a trip through Capital One Travel or to put the rewards value toward a travel purchase on your card statement. The Venture Card also offers a credit up to $100 toward TSA PreCheck or Global Entry and a $50 experience credit when you book a hotel stay through Capital One Travel’s Lifestyle Collection.

American Express® Gold Card

Why we like it: The American Express Gold Card is another great travel option for earning rewards today to use on future travel. It carries a $250 annual fee ( see rates and fees ) but offers 4x points at restaurants, 4x points at U.S. supermarkets (up to $25,000 spent per year, then 1%), 3x points on flights booked directly with airlines or through Amex Travel, and 1x points on all other purchases. You can also earn 60,000 bonus points when you spend $6,000 within the first six months.

Despite the high annual fee, there is plenty of opportunity to get the value back through annual credits. When you add your Amex Gold card to your Uber account, you can get up to $120 annually ($10 per month) in Uber Cash — and get up to $120 ($10 per month; with enrollment) in dining statement credits for eligible spending at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations.

This article was edited by Rebecca McCracken

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers.