6 lesser-known Chase Sapphire Reserve perks

Editor’s notice: This put up has been up to date with new info.

The Chase Sapphire Reserve is broadly thought of among the finest journey bank cards accessible to U.S. shoppers. Plus, it is presently providing its greatest sign-up bonus within the final 5 years: Earn 80,000 factors after you spend $4,000 on purchases within the first three months from account opening.

However incomes factors doesn’t cease on the welcome bonus. You’ll additionally earn 10 factors per greenback on accommodations and automobile leases booked within the Chase journey portal, 10 factors per greenback on Chase Eating purchases, 5 factors per greenback on flights booked by way of the Chase portal, 3 factors per greenback on a broadly-defined journey class, 3 factors per greenback on eating and 1 level per greenback on all different purchases. Plus, you will earn 10 factors per greenback with Lyft by way of March 2025.

Associated: Chase Sapphire Reserve bank card overview

You may even have a really lengthy record of perks to take pleasure in with the Sapphire Reserve. This contains as much as $300 in annual journey credit, a Precedence Go Choose lounge membership, no international transaction charges, an software payment credit score of as much as $100 for World Entry, TSA PreCheck or Nexus, and as much as $25 in month-to-month credit at no cost meals from Gopuff and Instacart and extra. Perks like these have been broadly publicized for the reason that card’s launch in August 2016 and are among the many causes the Sapphire Reserve persistently makes TPG’s record of the highest journey bank cards.

However do you know that the Sapphire Reserve comes with top-notch journey and procuring protections? Right here’s a take a look at six advantages which might be lesser identified however nonetheless have the power to save lots of you hundreds of {dollars} in the long term.

Journey delay reimbursement

Have you ever ever had a flight delay that required an in a single day keep?

The Chase Sapphire Reserve will reimburse you for lots of the prices within the occasion this occurs. In case your journey (whether or not by air, bus, cruise ship or prepare) is delayed by greater than six hours or requires an in a single day keep, you’re entitled to reimbursement when you bought your ticket together with your Reserve card.

Associated: Finest bank cards that provide journey delay reimbursement

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This profit covers the cardholder, the cardholder’s partner or home associate and dependent youngsters beneath the age of 26 for as much as $500 for every bought ticket. The $500 is restricted to 1 coated incident per journey. To be eligible, the journey have to be away from the cardholder’s metropolis of residence and fewer than three hundred and sixty five days in size.

What precisely is roofed? Chase defines reimbursable bills as these incurred for meals, lodging, toiletries, medicine and different affordable bills incurred throughout a delay. Nonetheless, journey delay reimbursement doesn’t cowl pay as you go bills or any coated hazard that was made public or identified previous to the departure of the coated journey.

Associated: Chase paid for my $1,100-per-night resort room due to built-in journey delay protection

Baggage delay insurance coverage

Nearly each frequent traveler has ultimately had their baggage delayed or misplaced.

In case your baggage is delayed or misdirected for six or extra hours, the Sapphire Reserve reimburses cardholders for the emergency buy of important gadgets.


The bags delay insurance coverage covers the cardholder, the cardholder’s partner or home associate and instant members of the family for as much as $100 per day for a most of 5 days. Lined gadgets embrace important gadgets which might be wanted because of the delay, akin to clothes, toiletries and a cellphone charger cable.

Associated: Which bank cards cowl baggage delays?

For misplaced, broken or stolen baggage, the Reserve card covers as much as $3,000 per insured individual on eligible journeys. This reimbursement is legitimate on each checked and carry-on baggage, and also you’ll be reimbursed for each the bag and any private property throughout the bag. Be aware there are some limitations on jewellery, watches and electronics, in addition to exceptions for paperwork, cash, securities, tickets, checks, vacationers’ checks or furs.

Associated: Misplaced vs. delayed baggage: How are they completely different and the way do you shield your self?

For each types of protection (baggage delay and misplaced baggage reimbursement), at the least a portion of the price of your journey will need to have been charged to your Sapphire Reserve card for the advantages to take impact.

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Journey cancellation/journey interruption insurance coverage

Whereas we by no means need to anticipate the worst, let’s say that your dream getaway you’ve deliberate for the previous yr has simply been canceled. What now?

Fortunately, the Reserve comes with some protections that may enable you stroll away with as little monetary injury as doable. Journey cancellation insurance coverage reimburses you when you can not journey on or earlier than the departure date and, consequently, you need to cancel your journey plans. On the flip aspect, journey interruption insurance coverage covers you in case your journey is minimize brief or postponed, leading to charges related to rebooking the journey.

Associated: TPG reader query: Does Chase journey insurance coverage apply if I pay for my journey with Final Rewards factors?

For each journey cancellation and journey interruption, the Reserve card covers the cardholder and instant members of the family (even when the cardholder will not be touring with them) as much as $10,000 per individual and as much as $20,000 per journey. There’s a most restrict of $40,000 throughout a 12-month interval if you pay for the journey together with your Reserve card.

Chase gives a number of examples of eligible cancellation or interruption causes, akin to:

  • Unintended bodily damage, lack of life or illness skilled by the cardholder, a touring companion or a right away member of the family of the cardholder or a touring companion.
  • Extreme climate that stops the beginning or continuation of a coated journey.
  • Terrorist motion or hijacking.
  • Jury obligation or a courtroom subpoena that can not be postponed or waived.

With that beneficiant record of what’s coated, Chase additionally lists types of cancellations and interruptions that aren’t coated. Whereas not an exhaustive record, it contains:

  • Journey preparations canceled or modified by a typical service, tour operator or any journey company until the cancellation is the results of extreme climate or an organized strike affecting public transportation.
  • Change in plans or monetary circumstances.
  • Touring towards the recommendation of a doctor or journey booked previous the twenty sixth week of being pregnant.
  • A declared or undeclared struggle.
  • Journeys that exceed 60 days.
  • Monetary insolvency of the cardholder’s journey company, tour operator or journey provider.

Be aware that you need to file a written declare inside 20 days after the prevalence (or as quickly as moderately doable).

Associated: Evaluating journey protections with the Chase Sapphire Reserve and Amex Platinum

Emergency medical and dental profit

For those who get sick whereas touring and wish emergency remedy, the Reserve reimburses as much as $2,500 in prices, topic to a $50 deductible and as much as $75 per day for a resort room (as much as 5 days) if the physician determines you’ll be able to’t journey instantly after your launch from a hospital.

Lined medical and dental bills embrace crucial companies carried out by a legally certified doctor, surgeon, nurse, dentist or osteopath. As well as, the protection will reimburse you for the next:

  • Hospital/working room costs.
  • Fees for anesthetics, x-rays, exams or therapies and lab exams.
  • Ambulance companies.
  • Medication, medicines and therapeutic companies and provides.
Your Sapphire Reserve’s protection can lighten the sting of costly emergency medical payments throughout a visit. HEALTH HOLDEN/GETTY IMAGES

Medical companies that aren’t reimbursable embrace non-emergency companies, provides or costs, care not rendered by hospitals and physicians or dentists, care that’s experimental, care not medically crucial (as decided by the profit administrator) and if the damage or sickness occurred in any nation that’s decided by the U.S. authorities to be unsafe for journey. Protection additionally does not apply on journeys which might be for medical tourism functions.

This profit covers the cardholder and the cardholder’s partner or home associate and/or legally dependent youngsters beneath 19 years previous (or in the event that they’re youthful than 26 years previous and enrolled as full-time college students at an accredited college). To be eligible for the protection, the journey will need to have been booked together with your Reserve card or with Final Rewards factors linked to your account, and you need to contact the profit administrator inside 90 days. Lastly, a visit have to be 5 to 60 days lengthy and at the least 100 miles from residence to be coated.

Your advantages may even embrace emergency medical evacuation protection.

Auto rental collision injury waiver

Renting a automobile can embrace many further charges, so it’s good to know you have got safety if something goes improper.

With the Sapphire Reserve card’s rental injury waiver, in case your rental automobile is in a collision or you’re the sufferer of theft, you’re eligible for as much as $75,000 in protection. The protection is major when touring each within the U.S. and overseas — which means you don’t have to report the incident to your private automobile insurance coverage supplier.

Associated: Bank cards that provide major automobile rental protection

Each bodily damages to the automobile and theft are coated by the insurance coverage. As well as, there’s protection for affordable and customary towing costs associated to a collision or theft when a automobile have to be towed to the closest restore facility. Lastly, legitimate loss-of-use costs incurred by the rental firm are coated.

Sadly, there are fairly a number of exceptions that aren’t eligible for protection. They embrace:

  • Vintage vehicles, cargo vans, automobiles with open cargo beds, vehicles apart from pickups, bikes, mopeds, motorbikes, limousines, leisure automobiles and passenger vans with seating for greater than 9 folks.
  • Bills reimbursed beneath your private auto insurance coverage coverage, your employer or your employer’s insurance coverage.
  • Any obligation you assume beneath another settlement.
  • Harm to anybody or something inside or outdoors of the automobile.
  • Leases and mini leases.
  • Any violation of the auto rental settlement.
  • Loss or theft of non-public belongings.
  • Leases over 31 days in size.

Each the cardholder and extra drivers included on the rental settlement are eligible for the protection, although you need to decline all supplemental insurance coverage supplied by the rental automobile firm to be eligible.

This profit might prevent plenty of out-of-pocket money when you’re on this unlucky scenario with a rental automobile.

Associated: Finest bank cards for rental automobile protection

Procuring protections

The Sapphire Reserve card gives nice buy safety in three predominant classes. Do not forget that you need to buy the merchandise together with your Reserve card to qualify for any of those protection choices.


Buy safety

If you are going to buy a brand new merchandise and it breaks or will get stolen inside 120 days, you’re eligible to obtain as much as $10,000 per declare and as much as $50,000 per cardholder account to reimburse, restore or substitute the acquisition. You (because the cardholder) or the recipient of a present are eligible for the safety.

Noncovered purchases embrace (however aren’t restricted to): gadgets that mysteriously disappear with no proof of a wrongful act, used or pre-owned gadgets, antiques and collectibles, boats, cars, plane, motorized automobiles, pc software program, gadgets bought for resale, skilled or business use or medical gear.

Prolonged guarantee safety

In case your buy comes with a U.S. producer’s guarantee of three years or much less, prolonged guarantee safety extends the protection by one further yr. In complete, the guarantee safety covers as much as $10,000 per declare and as much as a most of $50,000 per account. What’s particularly helpful with this safety is that gadgets bought outdoors the U.S. are coated, as long as they’ve a legitimate authentic manufacturer-written U.S. restore guarantee, a store-purchased supplier guarantee or an assembler guarantee.

Purchases that are not coated embrace (however aren’t restricted to) boats, cars, plane, motorized automobiles, gadgets bought for resale, skilled or business use, used or preowned gadgets and pc software program.

Return safety

For those who’re dissatisfied with a purchase order and the unique service provider received’t settle for the return for a refund, change or credit score, you’re eligible for reimbursement by way of your Sapphire Reserve card. Eligible returned gadgets are these in new or good/working situation which were bought within the final 90 days. Because the cardholder, you’re eligible for as much as $500 for every eligible merchandise, as much as $1,000 per yr.

Non-covered purchases embrace animals and reside crops, boats, plane, cars, motorized automobiles, money or cash-equivalents, pc software program, gadgets bought outdoors the U.S., gadgets bought for resale, jewellery or collectible gadgets and perishables.

Whilst you will be reimbursed as much as the complete worth of your gadgets (or as much as the $500 most), it is value declaring that your reimbursement might have delivery and dealing with charges subtracted previous to fee.

Backside line

Whereas the widely-known advantages of the Chase Sapphire Reserve card are extremely helpful, a number of the card’s lesser-known perks supply nice worth as properly. As all the time, be sure you learn the positive print in your advantages information (accessible right here). It’s essential to get aware of eligibility necessities and the required paperwork earlier than making a declare to make sure the method strikes alongside as easily as doable.

As a reminder, the Chase Sapphire Reserve presently comes with a sign-up bonus of 80,000 factors after you spend $4,000 on purchases within the first three months from account opening. It has a ton of advantages that assist to offset the $550 annual payment. As well as, the three factors per greenback earned on each journey and eating assist to make sure you’ll by no means run dry on invaluable Final Rewards factors.

Official software hyperlink: Chase Sapphire Reserve

Further reporting by Carissa Rawson and Ryan Smith.

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