Chase Sapphire Reserve®
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Chase Sapphire Reserve® Review: Is It Worth Applying For?

Chase Sapphire Reserve® Review: Is It Worth Applying For?

The Chase Sapphire Reserve® is worth it if you're looking for industry-leading rewards on travel and dining purchases.

On Chase's Secure Website

Editor's Rating

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Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Quick facts

  • Welcome offer: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. This offer is worth at least $750.
  • Earning rate: Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
  • Annual fee: $550
  • Travel credit: Receive an automatic statement credit up to $300 for travel purchases made with your card.
  • Lounge access: Access over 1,300 airline lounges through a complimentary Priority Pass™ Select Membership. Enrollment required.
  • Ultimate Rewards: Points are worth 50% more when redeemed through Chase Travel, or transfer to an excellent array of airline and hotel loyalty partners.
  • Travel protections: Primary rental car insurance, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance and travel accident insurance.

Pros

  • Excellent welcome bonus
  • Annual $300 travel credit
  • Complimentary lounge access through Priority Pass™ Select membership
  • Global Entry/TSA Precheck fee credit
  • Lyft and DoorDash benefits
  • Excellent travel insurance protection
  • Points worth 50% more when redeemed through Chase Travel

Cons

  • $550 annual fee
  • $75 authorized user fee
  • No intro purchase or balance transfer 0% APR
  • Lower earning rates on airfare and dining than other premium cards
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Is the Chase Sapphire Reserve® worth it?

The Chase Sapphire Reserve® card is unequivocally worth its $550 annual fee with a sign-up bonus worth at least $750, a $300 annual travel credit, complimentary lounge membership, Lyft and DoorDash benefits and the ability to earn highly-valuable Chase Ultimate Rewards points.

The math changes after the first year, as you only receive the welcome bonus once — still, the ongoing earning rates and excellent travel benefits make it easy to come out ahead with the Chase Sapphire Reserve® card.

The card also offers fantastic synergy when used in conjunction with other Ultimate Rewards-earning cards, holding its own against other premium travel cards like The Platinum Card® from American Express.

The Chase Sapphire Reserve® is best for frequent travelers looking for a premium credit card that offers easy-to-use benefits, valuable points and a good ongoing return on travel spend. More casual travelers, or those strictly interested in earning points for travel, should take a closer look at its $95-annual-fee counterpart, the Chase Sapphire Preferred® Card.

Earn 50,000 points

The current Chase Sapphire Reserve® welcome offer lets you Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

The current Chase Sapphire Reserve® welcome offer is worth at least $750 in travel, as your points are worth 1.5 cents each when redeemed through Chase Travel. You can also transfer them to any of the 10-plus airline and hotel Chase Ultimate Rewards transfer partners. The value you get from the bonus points will ultimately depend on how you redeem them, though we estimate that you can receive an average of 2 cents per point by transferring to partners.

The welcome offer is close to that of the American Express® Gold Card, a card that comes with a lower annual fee. The Platinum Card® from American Express currently offers a much more valuable welcome offer, but the annual fee and minimum spend requirement are both higher.

How easy are Ultimate Rewards points to redeem? Read more below.

money icon

What it's worth: $750 in travel through Chase Ultimate Rewards or around $1,000 when transferred to a Chase Ultimate Rewards partner loyalty program

Who's eligible to earn this offer? The product is not available to either current cardmembers of any Sapphire credit card or previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you make a product change to the Chase Sapphire Reserve®, you won’t receive the new cardmember bonus.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImage--root left\" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"money icon\" class=\"ShortcodeImage--image lazyload\" style=\"width: 40px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_40\/v1\/static\/icons\/svg\/money\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_40\/v1\/static\/icons\/svg\/money\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_40\/v1\/static\/icons\/svg\/money 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_40\/v1\/static\/icons\/svg\/money 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat it's worth:\u003C\/strong\u003E $750 in travel through Chase Ultimate Rewards or around $1,000 when transferred to a Chase Ultimate Rewards partner loyalty program\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWho's eligible to earn this offer?\u003C\/strong\u003E The product is not available to either current cardmembers of any Sapphire credit card or previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you make a product change to the Chase Sapphire Reserve\u00ae, you won\u2019t receive the new cardmember bonus.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Earn up to 10X points on travel

The Chase Sapphire Reserve® Card lets you Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.

You can also earn 10X total points on Chase Dining. Plus, through March 2022, you can also earn 10X points on Peloton equipment and 10X points on Lyft rides.

The ongoing earning rate for the Chase Sapphire Reserve® is solid for a premium travel credit card. Based on typical consumer spending, we estimate the average cardholder will earn 3.0 cents per dollar spent. This outpaces The Platinum Card® from American Express (2.3 cents per dollar), but falls short of the American Express® Gold Card (4.4 cents per dollar). Due to the flexible redemption options for Chase Ultimate Rewards® points combined with elevated earning rates, you can expect to get better value from the Chase Sapphire Reserve® than from premium co-branded airline cards.

Compare how the rewards earned per dollar compares to other travel cards:

$0.044
American Express® Gold Card
$0.043
Citi Premier® Card
$0.03
Chase Sapphire Reserve®
$0.03
American Express® Green Card
$0.025
Chase Sapphire Preferred® Card
$0.023
The Platinum Card® from American Express
$0.02
Capital One Venture Rewards Credit Card
$0.02
Chase Freedom Unlimited®

We estimate an earning rate for the average consumer based on U.S. Bureau of Labor data and multiply that by the value of each card’s points or miles.

What are Chase Sapphire Reserve® points worth?

The ValuePenguin team pegs Ultimate Rewards points earned with your Chase Sapphire Reserve® card at 2.0 cents per point. This is based on the ability to transfer them to partners for additional value. You can also redeem them for 1.5 cents each through Chase Travel, or cash them out at 1.0 cent each.

Here's how to calculate the value of Chase Sapphire Reserve® points:

Dollar value of redemption option (minus any taxes or fees you have to pay)/Number of points needed = Value of points

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Redeeming points

One of the best features of Chase Ultimate Rewards® is the flexibility you have when redeeming your points. You can cash them out, use them for gift cards, book travel or transfer them to any of Chase's transfer partners — though the best Ultimate Rewards redemption options are travel bookings and transfers to partners. Check out the chart below that compares the value you receive from each redemption method.

Chase makes it easy to redeem points through ultimaterewards.com. You can use your Chase bank credentials to log in to the site, then click one the "Earn/Use'' menu to show the different redemption options.

Chase points value

Value of 1,000 Ultimate Rewards points

$10
Cash back
$10
Gift cards
$15
Travel on Ultimate Rewards portal
$20
Transfer to loyalty program
$7.5
Pay with points on Amazon.com

Transfer partners

Transferring Ultimate Rewards points to airline and hotel partners usually provides the highest value for your points. ValuePenguin estimates the average value for transfers to be 2 cents per point — though some partners are better than others. For instance, you'll get a high return on points with most airline programs, including United and Southwest, as well with World of Hyatt, but you'll lose value on most transfers to IHG Rewards Club and Marriott Bonvoy.

The typical transfer rate — unless Chase is running a rare bonus — is 1:1 in increments of 1,000 Ultimate Rewards points for all partners.

Airline partners

Hotel partners

  • Aer Lingus Aerclub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards
  • Air France-KLM Flying Blue
  • Iberia Plus
  • Jetblue True Blue
  • Singapore Airlines KrisFlyer
  • Southwest Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club

Airline partners

  • Aer Lingus Aerclub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards
  • Air France-KLM Flying Blue
  • Iberia Plus
  • Jetblue True Blue
  • Singapore Airlines KrisFlyer
  • Southwest Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club

Hotel partners

  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

What credit score do you need for the Chase Sapphire Reserve®, and what credit limit can you get?

You’ll typically need Excellent credit to be approved for the Chase Sapphire Reserve® card (typically 800 or higher). Chase must also be willing to give you a credit limit of $10,000, as this is the minimum required for a Visa Infinite product.

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Chase Sapphire Reserve® rental car insurance

The auto rental collision damage waiver is one of the best Chase Sapphire Reserve® insurance benefits. It is a standard card benefit, and you won’t have to pay anything extra to use this perk. This coverage insures rental vehicles in case of damages caused by collision or theft. The insurance is primary, meaning you don’t have to file a claim with your personal auto insurance. You must decline any collision damage waiver coverage offered by the rental company for the benefit to be in effect.

  • You (the cardholder) — if your name is embossed on the card and listed as the primary renter. You must pay for your rental car with your Chase Sapphire Reserve® card or Ultimate Rewards points through your Chase Sapphire Reserve® account
  • Other authorized drivers on the rental agreement
  • Physical damage to the rental vehicle
  • Theft of the rental vehicle
  • Reasonable towing charges made necessary by the covered incident to transport the vehicle to the nearest qualified repair garage
  • Valid loss-of-use charges incurred by the rental car agency
  • Antique automobiles
  • Cargo vans and vans designed to carry more than eight passengers
  • Vehicles with an open cargo bed
  • Trucks (other than pickups)
  • Motorcycles, motorbikes and mopeds
  • Limousines
  • Recreational vehicles
  • Leases and minileases
  • Damage due to off-road operation of the vehicle
  • Injury of anyone or anything inside or outside of the vehicle
  • Any obligation you assume under any other agreement
  • Any action in violation of the rental agreement
  • Personal belongings that are lost or stolen

See your Chase Sapphire Reserve® benefits guide for a full list of excluded items.

  • Up to $75,000
  • Vehicle rentals that last no more than 31 consecutive days
  • If you're involved in an incident or discover damage to your rental vehicle, you should contact the rental car company and your Chase Sapphire Reserve® benefit administrator immediately to report the theft or damage.
  • You must notify your benefit administrator within 60 days of the theft or damage.
  • The benefit administrator will send you a claim form when you report your loss. You'll need to complete and submit this form within 100 days of the incident.
  • You must submit all the necessary documentation within 365 days of the incident.
  • Call 888-675-1461 to initiate a claim
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You must pay for your rental car with your Chase Sapphire Reserve\u00ae card or Ultimate Rewards points through your Chase Sapphire Reserve\u00ae account\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Other authorized drivers on the rental agreement\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EWhat's covered?\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Physical damage to the rental vehicle\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Theft of the rental vehicle\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Reasonable towing charges made necessary by the covered incident to transport the vehicle to the nearest qualified repair garage\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Valid loss-of-use charges incurred by the rental car agency\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EWhat's not covered?\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Antique automobiles\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cargo vans and vans designed to carry more than eight passengers\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Vehicles with an open cargo bed\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Trucks (other than pickups)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Motorcycles, motorbikes and mopeds\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Limousines\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Recreational vehicles\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Leases and minileases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Damage due to off-road operation of the vehicle\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Injury of anyone or anything inside or outside of the vehicle\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Any obligation you assume under any other agreement\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Any action in violation of the rental agreement\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Personal belongings that are lost or stolen\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003ESee your Chase Sapphire Reserve\u00ae benefits guide for a full list of excluded items.\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003ECoverage limits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $75,000\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Vehicle rentals that last no more than 31 consecutive days\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EHow long do I have to file a claim?\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n If you're involved in an incident or discover damage to your rental vehicle, you should contact the rental car company and your Chase Sapphire Reserve\u00ae benefit administrator immediately to report the theft or damage.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must notify your benefit administrator within 60 days of the theft or damage.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The benefit administrator will send you a claim form when you report your loss. You'll need to complete and submit this form within 100 days of the incident.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must submit all the necessary documentation within 365 days of the incident.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Call 888-675-1461 to initiate a claim\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Chase Sapphire Reserve® travel insurance

Besides the auto rental collision damage waiver, the Chase Sapphire Reserve® provides several other excellent travel insurance protections. For the full terms, conditions and exclusions associated with your coverage, check your guide to benefits or contact your benefit administrator.

What do you do when your trip to Disney World is cut short by a hurricane — or if you were never even able to begin it in the first place? The trip cancellation and interruption insurance offered by the Chase Sapphire Reserve® card will reimburse you if a covered loss prevents you from going on your trip, or if it's delayed and you have to pay fees to reschedule your travel dates.

Who's covered?

The Chase Sapphire Reserve® trip cancellation insurance applies both to you (the cardholder) and your immediate family, even if they're traveling without you — provided you paid for their trip with your card.

What's covered?

The Chase Sapphire Reserve® covers a broad range of perils, so you should check your card's guide to benefits for an exhaustive list. Here are some examples of the types of crises you're covered against:

  • Accidental loss of life, injury or sickness sustained by you, your traveling companion or an immediate family member of yours or your companion's
  • Severe weather, such as a hurricane, that prevents the start or continuation of a covered trip
  • Acts of terrorism or hijacking
  • A court subpoena or jury duty order that can't be rescheduled or waived
  • Financial insolvency of your travel agency, tour operator or travel supplier
  • Quarantine of You or Your Traveling Companion imposed by a Physician or by a competent governmental authority having jurisdiction, due to health reasons

What's not covered?

As before, this isn’t an exhaustive list, so you should check your guide to benefits for more information — however, we’ve included some examples of instances where the Chase Sapphire Reserve® trip cancellation policy would not apply:

  • Travel arrangements canceled or changed by a common carrier, tour operator or travel agency, unless the cancellation is the result of severe weather or an organized strike affecting public transportation
  • A personal change in plans or financial circumstances
  • Traveling while on a waiting list for a specified medical treatment, or traveling to obtain medical treatment
  • Traveling against the advice of your physician
  • War
  • Trips longer than 60 days

Coverage limits

The Chase Sapphire Reserve® trip cancellation and interruption insurance covers you and each of your family members up to $10,000, with a maximum limit of $20,000 per occurrence and a maximum benefit amount of $40,000 per 12-month period.

For example, if your covered family vacation cost $5,000 per person, with four people traveling, you could be reimbursed up to $20,000 for the trip. If you were traveling alone and the trip cost $12,000, you'd only be eligible to receive $10,000 in reimbursement under this policy.

How long do I have to file a claim?

  • You must file a written claim within 20 days after the occurence (or as soon as reasonably possible).
  • You'll receive a claim form when you report your loss. You must submit that completed form with supporting documentation within 90 days from the date of the occurrence (or as soon as reasonably possible, within one year) to finalize your claim.

Baggage delay insurance from the Chase Sapphire Reserve® reimburses you for essential purchases you make if your luggage is delayed by more than six hours by a common carrier, such as an airline, bus or cruise ship. Coverage only applies when you've paid for your transportation fare with your eligible Chase card or with Ultimate Rewards points, and you'll only be reimbursed in excess of reimbursement provided by your separate travel insurance policy or reimbursement from the carrier responsible for the delay — meaning you can't double dip in reimbursements.

Who's covered?

  • You (the cardholder)
  • Your spouse or domestic partner
  • Immediate family members

What's covered?

The purchase of essential items needed as a result of the baggage delay, including but not limited to clothes, toiletries and one cell phone charging cable. See your guide to benefits for a comprehensive list.

What's not covered?

  • Contact lenses, eyeglasses or hearing aids
  • Tickets, documents, cash, securities, checks, traveler's checks and valuable papers

See your benefits guide for a full list.

Coverage limits

You're eligible to receive reimbursement up to $100 per day for a maximum of five days.

How long do I have to file a claim?

  • You must immediately notify the common carrier to begin their claim process. You’ll need to provide proof that you submitted a report to the common carrier.
  • You must file a written claim within 20 days after the occurence (or as soon as reasonably possible). You'll receive a claim form after you report your loss.
  • You must complete and submit this form and any supporting documentation within 90 days from the date of the occurrence (or as soon as reasonably possible).

If your checked or carry-on baggage is damaged, destroyed or stolen on a covered carrier, such as an airline, bus, cruise ship or train, you can receive reimbursement from the Chase Sapphire Reserve® card's lost luggage reimbursement policy. This reimbursement pays for expenses beyond any travel insurance payout or reimbursement from the carrier, and it only applies if you paid for the trip with your Chase Sapphire Reserve® or another eligible Chase card.

Who's covered?

  • You (the cardholder)
  • Your immediate family members (even if they're traveling without you)

What's covered?

Checked and carry-on luggage and the personal belongings inside that luggage.

What's not covered?

  • Loss of documents or valuable papers, money, securities, tickets, checks, traveler's checks and furs
  • Loss caused by war

See your Chase Sapphire Reserve® benefits guide for a full list.

Coverage limits

  • Up to $500 for jewelry, watches and electronics per person per covered trip
  • Up to $3,000 total per insured person per covered trip

How long do I have to file a claim?

  • You must report the loss or damage to the airline, bus company or other travel carrier immediately after exiting it, and you'll need to provide Chase with proof of that report to continue your claim.
  • Within 20 days of the incident (or as soon as reasonably possible), you'll need to file a written claim. After you do, you'll receive a claim form that must be completed and submitted within 90 days of the incident.

Finding yourself in an emergency situation while on vacation is both scary and overwhelming. But if you've paid for the trip with your Chase Sapphire Reserve® card, Chase will help you take the right steps. You can call 888-675-1461 at any time for assistance and referrals to legal, medical or transportation experts. While this assistance is provided for free, you'll still be responsible for any costs associated with the services received.

Who's covered?

  • You (the cardholder)
  • Your spouse or domestic partner
  • Your dependent children under age 22

What's covered?

The Chase Sapphire Reserve® travel and emergency assistance coverage includes nine separate services that may help you if you experience an emergency abroad.

  • Emergency message service: Record and relay emergency messages to other travelers, immediate family members and business associates
  • Medical referral assistance: Find English-speaking doctors, dentists and hospitals for aid, monitoring and follow-ups
  • Legal referral assistance: Arrange contact with English-speaking attorneys and U.S. embassies or consulates
  • Emergency transportation assistance: Make arrangements for emergency transportation home or to the nearest medical facility
  • Emergency ticket replacement: Receive help in following your carrier's procedures for obtaining a replacement ticket
  • Lost luggage locator service: Receive help following your carrier's claim procedures, or arrange shipment of replacement items
  • Emergency translation service: Receive telephone assistance and help finding local interpreters
  • Prescription assistance and valuable document delivery arrangements: Get help filling prescriptions locally, or transport vital documents you may have left at home
  • Pre-trip assistance: Find information about ATM locations, health precautions, local currency, exchange rates and more

Chase Sapphire Reserve® travel accident insurance includes two benefits: Common carrier travel accident insurance and 24-hour travel accident insurance. They provide coverage for accidental death and dismemberment or the combined loss of speech, sight or hearing, if the loss occurs during a covered trip.

Who's covered?

  • You (the cardholder)
  • Your immediate family members, even if they're traveling without you

What's covered?

  • Common carrier travel accident insurance: Insures covered losses that occur while you're entering, exiting or riding as a passenger on a common carrier, such as an airline, bus or cruise ship
  • 24-Hour travel accident insurance: Insures covered losses that occur between the departure date and return date printed on your scheduled airline tickets. If your trip is longer than 30 days in length, see your guide to benefits for additional terms.

Note: You can't receive a payout from both policies for the same incident. If both policies are applicable, you'll receive the larger of the two amounts.

What's not covered?

  • Emotional trauma; mental or physical illness; disease; pregnancy, childbirth or miscarriage; or bacterial or viral infection
  • Any attempt to commit an illegal act
  • Parachute jumping, racing vehicles and any sporting activity that involves a salary or prize money
  • War
  • Trips on aircrafts that aren't registered or certified by the government (24-Hour Travel Accident Insurance)

See your benefits guide for a full list.

Coverage limits

Common carrier travel accident insurance:

  • $1 million for loss of life
  • A set percentage of $1 million for dismemberment and/or a combined loss of speech, sight and hearing. Check your guide to benefits for specific amounts.

24-Hour travel accident insurance:

  • $100,000 for loss of life
  • A set percentage of $100,000 for dismemberment and/or the combined loss of speech, sight and hearing. Check your guide to benefits for specific amounts.

How long do I have to file a claim?

  • You must file a written claim within 20 days after the incident (or as soon as reasonably possible).
  • After you report your loss, your benefit administrator will send you a claim form. You must complete and submit this form with supporting documentation within 90 days of the incident.

Getting injured or falling ill while on vacation is bad enough, but imagine getting slapped with an expensive ambulance or helicopter bill after the fact. The emergency evacuation and transportation coverage available through Chase Sapphire Reserve® may reimburse you for transportation costs incurred while on a vacation paid for with your Chase Sapphire Reserve® credit card.

Who's covered?

  • You (the cardholder)
  • Your spouse or domestic partner
  • Your legally dependent children under age 19 (or age 26 if they're enrolled as a full-time student at an accredited institution)

What's covered?

  • Transportation, medical services and medical supplies necessary during your evacuation
  • Transportation includes but is not limited to air ambulances, land ambulances and private motor vehicles
  • Repatriation of remains
  • Transportation of a relative or friend to your bedside if you’re hospitalized for more than eight days

See your benefits guide for a full list.

What's not covered?

  • Trips of less than five days or more than 60 days duration, or of less than 100 miles from your place of residence
  • Travel for the purpose of obtaining medical treatment
  • Services, supplies or charges incurred for nonemergency purposes
  • Care received in countries which may be determined by the U.S. government as unsafe for travel

See your benefits guide for a full list.

Coverage limits

  • Up to $100,000
  • Coverage is supplemental to any valid reimbursement or insurance policy separately held, meaning you'll need to file a claim with your primary policies before receiving reimbursement from Chase

How long do I have to file a claim?

  • You need to contact Chase and receive preapproval before the transportation occurs. Your benefit administrator will consult a legally licensed physician to determine whether the evacuation is warranted and to make the travel arrangements.
  • Your benefit administrator will send you a claim form, which you'll need to complete and submit with supporting documentation within 180 days of the incident.

The medical and dental benefits included with your Chase Sapphire Reserve® card may provide supplemental coverage for emergency treatment necessary for you or a family member while on vacation. You need to be 100 miles or more from home, your trip must be between five and 60 days in length and you’ll need to have paid for your airfare or other transportation tickets with your Chase Sapphire Reserve® card. This coverage will only apply to balances in excess of that covered by your primary medical and dental insurance policies.

Who's covered?

  • You (the cardholder)
  • Your spouse or domestic partner
  • Your legally dependent children under 19 years old (or 26 or younger if enrolled as a full-time student at an accredited institution)

What's covered?

  • Services deemed necessary and provided by a legally qualified physician, surgeon, nurse, dentist or osteopath during your trip
  • Hospital charges
  • Charges related to anesthetics, X-ray exams and lab tests
  • Ambulance services
  • Drugs, medicines and therapeutic services or supplies

What's not covered?

  • Services, supplies or charges incurred for nonemergencies
  • Care received from people and places that aren't hospitals, physicians or dentists
  • Experimental and investigative care
  • Emergencies that take place in countries deemed to be unsafe for travel by the U.S. Government
  • Care that your benefit administrator deems medically unnecessary

See your Chase Sapphire Reserve® benefits guide for a full list.

Coverage limits

  • Up to $2,500 (minus a $50 deductible)
  • Up to $75 per day for hotel convalescence for a maximum of five days if your physician deems you are unfit for travel after care

How long do I have to file a claim?

  • You must notify your benefit administrator within 90 days of the incident.
  • The benefit administrator will send you a claim form that you must complete and submit with supporting documentation within 180 days of the incident.
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You must submit that completed form with supporting documentation within 90 days from the date of the occurrence (or as soon as reasonably possible, within one year) to finalize your claim.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBaggage delay reimbursement\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003EBaggage delay insurance from the Chase Sapphire Reserve\u00ae reimburses you for essential purchases you make if your luggage is delayed by more than six hours by a common carrier, such as an airline, bus or cruise ship. Coverage only applies when you've paid for your transportation fare with your eligible Chase card or with Ultimate Rewards points, and you'll only be reimbursed in excess of reimbursement provided by your separate travel insurance policy or reimbursement from the carrier responsible for the delay \u2014 meaning you can't double dip in reimbursements.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWho's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You (the cardholder)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your spouse or domestic partner\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Immediate family members\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe purchase of essential items needed as a result of the baggage delay, including but not limited to clothes, toiletries and one cell phone charging cable. See your guide to benefits for a comprehensive list.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's not covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Contact lenses, eyeglasses or hearing aids\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Tickets, documents, cash, securities, checks, traveler's checks and valuable papers\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003ESee your benefits guide for a full list.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECoverage limits\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYou're eligible to receive reimbursement up to $100 per day for a maximum of five days.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EHow long do I have to file a claim?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must immediately notify the common carrier to begin their claim process. You\u2019ll need to provide proof that you submitted a report to the common carrier.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must file a written claim within 20 days after the occurence (or as soon as reasonably possible). You'll receive a claim form after you report your loss.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must complete and submit this form and any supporting documentation within 90 days from the date of the occurrence (or as soon as reasonably possible).\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003ELost luggage reimbursement\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003EIf your checked or carry-on baggage is damaged, destroyed or stolen on a covered carrier, such as an airline, bus, cruise ship or train, you can receive reimbursement from the Chase Sapphire Reserve\u00ae card's lost luggage reimbursement policy. This reimbursement pays for expenses beyond any travel insurance payout or reimbursement from the carrier, and it only applies if you paid for the trip with your Chase Sapphire Reserve\u00ae or another eligible Chase card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWho's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You (the cardholder)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your immediate family members (even if they're traveling without you)\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003EChecked and carry-on luggage and the personal belongings inside that luggage.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's not covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Loss of documents or valuable papers, money, securities, tickets, checks, traveler's checks and furs\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Loss caused by war\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003ESee your Chase Sapphire Reserve\u00ae benefits guide for a full list.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECoverage limits\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $500 for jewelry, watches and electronics per person per covered trip\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $3,000 total per insured person per covered trip\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EHow long do I have to file a claim?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must report the loss or damage to the airline, bus company or other travel carrier immediately after exiting it, and you'll need to provide Chase with proof of that report to continue your claim.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Within 20 days of the incident (or as soon as reasonably possible), you'll need to file a written claim. After you do, you'll receive a claim form that must be completed and submitted within 90 days of the incident.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003ETravel and emergency assistance\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003EFinding yourself in an emergency situation while on vacation is both scary and overwhelming. But if you've paid for the trip with your Chase Sapphire Reserve\u00ae card, Chase will help you take the right steps. You can call 888-675-1461 at any time for assistance and referrals to legal, medical or transportation experts. While this assistance is provided for free, you'll still be responsible for any costs associated with the services received.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWho's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You (the cardholder)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your spouse or domestic partner\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your dependent children under age 22\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe Chase Sapphire Reserve\u00ae travel and emergency assistance coverage includes nine separate services that may help you if you experience an emergency abroad.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEmergency message service:\u003C\/strong\u003E Record and relay emergency messages to other travelers, immediate family members and business associates\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EMedical referral assistance:\u003C\/strong\u003E Find English-speaking doctors, dentists and hospitals for aid, monitoring and follow-ups\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELegal referral assistance:\u003C\/strong\u003E Arrange contact with English-speaking attorneys and U.S. embassies or consulates\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEmergency transportation assistance:\u003C\/strong\u003E Make arrangements for emergency transportation home or to the nearest medical facility\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEmergency ticket replacement:\u003C\/strong\u003E Receive help in following your carrier's procedures for obtaining a replacement ticket\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELost luggage locator service:\u003C\/strong\u003E Receive help following your carrier's claim procedures, or arrange shipment of replacement items\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EEmergency translation service:\u003C\/strong\u003E Receive telephone assistance and help finding local interpreters\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPrescription assistance and valuable document delivery arrangements:\u003C\/strong\u003E Get help filling prescriptions locally, or transport vital documents you may have left at home\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPre-trip assistance:\u003C\/strong\u003E Find information about ATM locations, health precautions, local currency, exchange rates and more\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003ETravel accident insurance\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003EChase Sapphire Reserve\u00ae travel accident insurance includes two benefits: Common carrier travel accident insurance and 24-hour travel accident insurance. They provide coverage for accidental death and dismemberment or the combined loss of speech, sight or hearing, if the loss occurs during a covered trip.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWho's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You (the cardholder)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your immediate family members, even if they're traveling without you\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECommon carrier travel accident insurance:\u003C\/strong\u003E Insures covered losses that occur while you're entering, exiting or riding as a passenger on a common carrier, such as an airline, bus or cruise ship\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E24-Hour travel accident insurance:\u003C\/strong\u003E Insures covered losses that occur between the departure date and return date printed on your scheduled airline tickets. If your trip is longer than 30 days in length, see your guide to benefits for additional terms.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cem\u003ENote: You can't receive a payout from both policies for the same incident. If both policies are applicable, you'll receive the larger of the two amounts.\u003C\/em\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's not covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Emotional trauma; mental or physical illness; disease; pregnancy, childbirth or miscarriage; or bacterial or viral infection\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Any attempt to commit an illegal act\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Parachute jumping, racing vehicles and any sporting activity that involves a salary or prize money\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n War\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Trips on aircrafts that aren't registered or certified by the government (24-Hour Travel Accident Insurance)\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003ESee your benefits guide for a full list.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECoverage limits\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECommon carrier travel accident insurance:\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $1 million for loss of life\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n A set percentage of $1 million for dismemberment and\/or a combined loss of speech, sight and hearing. Check your guide to benefits for specific amounts.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003E24-Hour travel accident insurance:\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $100,000 for loss of life\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n A set percentage of $100,000 for dismemberment and\/or the combined loss of speech, sight and hearing. Check your guide to benefits for specific amounts.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EHow long do I have to file a claim?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must file a written claim within 20 days after the incident (or as soon as reasonably possible).\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n After you report your loss, your benefit administrator will send you a claim form. You must complete and submit this form with supporting documentation within 90 days of the incident.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EEmergency evacuation and transportation\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003EGetting injured or falling ill while on vacation is bad enough, but imagine getting slapped with an expensive ambulance or helicopter bill after the fact. The emergency evacuation and transportation coverage available through Chase Sapphire Reserve\u00ae may reimburse you for transportation costs incurred while on a vacation paid for with your Chase Sapphire Reserve\u00ae credit card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWho's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You (the cardholder)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your spouse or domestic partner\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your legally dependent children under age 19 (or age 26 if they're enrolled as a full-time student at an accredited institution)\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Transportation, medical services and medical supplies necessary during your evacuation\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Transportation includes but is not limited to air ambulances, land ambulances and private motor vehicles\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Repatriation of remains\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Transportation of a relative or friend to your bedside if you\u2019re hospitalized for more than eight days\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003ESee your benefits guide for a full list.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's not covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Trips of less than five days or more than 60 days duration, or of less than 100 miles from your place of residence\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel for the purpose of obtaining medical treatment\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Services, supplies or charges incurred for nonemergency purposes\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Care received in countries which may be determined by the U.S. government as unsafe for travel\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003ESee your benefits guide for a full list.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECoverage limits\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $100,000\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Coverage is supplemental to any valid reimbursement or insurance policy separately held, meaning you'll need to file a claim with your primary policies before receiving reimbursement from Chase\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EHow long do I have to file a claim?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You need to contact Chase and receive preapproval before the transportation occurs. Your benefit administrator will consult a legally licensed physician to determine whether the evacuation is warranted and to make the travel arrangements.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your benefit administrator will send you a claim form, which you'll need to complete and submit with supporting documentation within 180 days of the incident.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EEmergency medical and dental benefit\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003EThe medical and dental benefits included with your Chase Sapphire Reserve\u00ae card may provide supplemental coverage for emergency treatment necessary for you or a family member while on vacation. You need to be 100 miles or more from home, your trip must be between five and 60 days in length and you\u2019ll need to have paid for your airfare or other transportation tickets with your Chase Sapphire Reserve\u00ae card. This coverage will only apply to balances in excess of that covered by your primary medical and dental insurance policies.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWho's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You (the cardholder)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your spouse or domestic partner\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Your legally dependent children under 19 years old (or 26 or younger if enrolled as a full-time student at an accredited institution)\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Services deemed necessary and provided by a legally qualified physician, surgeon, nurse, dentist or osteopath during your trip\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Hospital charges\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Charges related to anesthetics, X-ray exams and lab tests\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Ambulance services\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Drugs, medicines and therapeutic services or supplies\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EWhat's not covered?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Services, supplies or charges incurred for nonemergencies\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Care received from people and places that aren't hospitals, physicians or dentists\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Experimental and investigative care\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Emergencies that take place in countries deemed to be unsafe for travel by the U.S. Government\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Care that your benefit administrator deems medically unnecessary\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003ESee your Chase Sapphire Reserve\u00ae benefits guide for a full list.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECoverage limits\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $2,500 (minus a $50 deductible)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $75 per day for hotel convalescence for a maximum of five days if your physician deems you are unfit for travel after care\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EHow long do I have to file a claim?\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must notify your benefit administrator within 90 days of the incident.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n The benefit administrator will send you a claim form that you must complete and submit with supporting documentation within 180 days of the incident.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Chase Sapphire Reserve® travel credit

A key feature of the Chase Sapphire Reserve® is the annual $300 travel credit. The beauty of this credit is that it essentially offsets more than half of the Chase Sapphire Reserve® annual fee. It's also incredibly simple to use, as the credit is automatically applied to any qualifying travel purchases made with your card — you'll see these on your card statement.

Merchants that code as travel include:

  • Airlines
  • Hotels, motels and timeshares
  • Car rental agencies
  • Cruise lines
  • Travel agencies
  • Trains, taxis and buses

The $300 travel credit resets every account anniversary. Note that Chase does not reward any Ultimate Rewards points for purchases that receive the annual travel credit.

Get credit on gas and groceries through December 2021

Through Dec. 31, 2021, Chase is applying the $300 travel credit to gas station and grocery store purchases. Like with travel purchases, this is automatically applied.

DoorDash benefit

Enjoy ordering delivery? You can receive limited-time Chase Sapphire Reserve® DoorDash benefits through the end of 2021. The Reserve is currently offering $60 in statement credits on qualifying DoorDash purchases made before the end of December. You can also activate a complimentary DashPass by adding your Chase Sapphire Reserve® as a payment method in the DoorDash mobile app. DashPass benefits include no delivery fee on orders from DashPass eligible restaurants that total over $12.

Other Chase Sapphire Reserve® benefits

Beyond the excellent travel insurance and annual travel credit, the array of other Chase Sapphire Reserve® travel and lifestyle benefits really make this premium credit card shine.

Airline lounge access is a key Chase Sapphire Reserve® benefit, letting you relax and enjoy complimentary food and beverages before your flight departs. Enjoy access to more than 1,300 lounges in over 600 cities through the Priority Pass™ Select membership provided by your Chase Sapphire Reserve® card. You’ll need to complete a one-time enrollment to activate your membership.

You and up to two guests receive complimentary access to airport lounges, restaurants, cafes and markets participating in the Priority Pass™ Select network. Additional guests may be added for $27 per guest, per visit; the exact number of guests depends on the participating lounge.

The Priority Pass™ Select membership corresponds closest to the Prestige membership offered directly by Priority Pass, with a value of at least $429 per year. This easily makes it one of the most valuable card benefits.

The roadside assistance program offered by the Chase Sapphire Reserve® card provides peace of mind and convenience when your vehicle breaks down or you need other roadside help. Assistance is available 24 hours a day, seven days a week — call 866-860-7978 for assistance. Coverage applies to you, the cardholder, when you're driving any vehicle you own or lease and includes:

  • Towing
  • Tire changing
  • Jump start
  • Lockout service
  • Fuel delivery
  • Standard winching

Road service events are covered to a maximum of $50 per event, up to four events per year.

Besides offering excellent rental car protection, your Chase Sapphire Reserve® card provides discounts when renting through Avis and National. Use Visa Infinite to receive a discount from participating locations when booking directly through the car rental company. The discount will vary by rental date, location and vehicle type.

Chase Sapphire Reserve® cardholders can also receive enhanced benefits with Silvercar after registering at the Visa Infinite link and adding their card as the default payment method.

Every four years you can receive a statement credit of up to $100 to reimburse the application fee for either Global Entry or TSA Precheck. Simply charge the fee to your Chase Sapphire Reserve® card.

Enjoy additional benefits and privileges at Luxury Hotel & Resort Collection properties around the world as a Chase Sapphire Reserve® cardmember. These include daily breakfast for two, complimentary Wi-Fi, room upgrades, late check-out and a special benefit that’s unique to the specific property.

New retail purchases made with your Chase Sapphire Reserve® card are covered against theft or damage within 120 days of purchase date up to the total purchase price of the covered item, subject to coverage maximums:

  • Maximum of $10,000 per claim
  • Maximum of $50,000 per year

See your benefits guide for terms and exclusions.

Extended warranty protection provides additional coverage on original eligible warranties of three years of less. The coverage provided by the Chase Sapphire Reserve® is limited to the original purchase price of the item, subject to coverage maximums:

  • Maximum of $10,000 per claim
  • Maximum of $50,000 per year

Benefits apply to purchases made both within and outside the U.S. for items with a valid original manufacturer's warranty, store warranty or assembler warranty. See your benefits guide for terms and exclusions.

If you're disappointed with a new retail purchase within the first 90 days and the retailer will not allow you to return the item for refund, exchange, or credit, you may be eligible for return protection. The item must have been purchased with your Chase Sapphire Reserve® card. Coverage is up to the following maximums:

  • $500 per item
  • $1,000 per card account

See your benefits guide for terms and exclusions, as many items are excluded.

The Chase Sapphire Reserve® Lyft benefits are only available for a limited time, but they’re quite valuable if you use the ride sharing service often. Earn 10X points on Lyft rides booked via the mobile app through March 2022, and enjoy a complimentary year of Lyft Pink membership. Lyft Pink must be activated by March 31, 2022. Lyft Pink provides 15% off rides, plus additional perks.

Earn 10X total points on Peloton equipment and accessory purchases made by March 31, 2022. Qualifying purchases are those of at least $1,800 made directly through Peloton.

Using your Chase Sapphire Reserve® card outside the United States or for any other foreign currency purchases won’t incur foreign transaction fees. These fees can run as high as 3% on top of the purchase price.

Synergy with other Chase cards

One of the best features of Chase Ultimate Rewards® is that you can pool the points earned among multiple cards. This enhances the value you get from no-annual-fee cards like the Chase Freedom Flex℠ and Chase Freedom Unlimited®. The points you earn from these cards are normally worth 1 cent apiece.

However, if you have the Chase Sapphire Reserve®, you can transfer the points to your Chase Sapphire Reserve® card and redeem them through Chase Travel or transfer them to program partners, giving you 1.5 to 2 times the value. Both Freedom cards paired with a Chase Sapphire Reserve® make an excellent trio that maximizes your rewards.

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Drawbacks

  • Annual fee of $550: The primary drawback of the Chase Sapphire Reserve® is its annual fee of $550. The $300 annual travel credit offsets this greatly, but you'll want to run the math to make sure you're getting enough value to justify this cost.
  • Authorized user fee of $75: If you want to add others to your account, you'll have to pay $75 per additional person.
  • Earning rates lag slightly: While the card offers above-average rewards, you can do even better with two other premium cards for travel and dining spend. The Platinum Card® from American Express offers a better rate on airfare, and you don't have to book through their own site. Similarly, the American Express® Gold Card earns more at restaurants and on takeout and delivery.

How does the Chase Sapphire Reserve® compare to other cards?

While the benefits on offer can certainly make the Chase Sapphire Reserve® worth its annual fee, it's not the only premium travel card on the market. Here are some alternatives to consider before applying for the Chase Sapphire Reserve®.

Chase Sapphire Reserve® vs. The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Verdict: A better return on airline spend, increased lounge access and a wealth of additional annual credits

For a higher annual fee, The Platinum Card® from American Express offers a bounty of credits that can outmatch that fee — provided you can use them. These credits include up to $200 in annual Uber Cash ($15 monthly with a $20 bonus in December) toward U.S. Uber Eats and rides (enrollment required), a $200 airline incidental fee reimbursement (enrollment required) and a $179 CLEAR credit.

The lounge access offered by The Platinum Card® from American Express is superior as well, as you can enjoy Centurion Lounges and Delta Sky Clubs in addition to a Priority Pass membership. The card also earns more on purchases made directly with airlines than the Chase Sapphire Reserve®.

The main drawback of The Platinum Card® from American Express is its annual fee of $695. Its credits can also be challenging to use (the Uber Cash only comes in monthly increments, for example). You’ll have to do some work to ensure you’re getting maximum value out of the card.

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

How does it compare?

  • Annual fee: $695 (Worse)
  • Welcome bonus: Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. (Better)
  • Rewards earned/$1 spent: $0.023 (Worse)
  • Other benefits: Up to $1,419 in annual credits, cell phone protection, Centurion Lounge and Delta Sky Club access, Marriott and Hilton elite status (enrollment required) (Better)
  • Terms apply

Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card

On Chase's Secure Website

Verdict: Offers some of the same earning rates and benefits at a much lower cost

The Chase Sapphire Preferred® Card is a better choice for less frequent travelers who can't justify the Chase Sapphire Reserve®’s high annual fee. It lacks the $300 annual travel credit and Priority Pass membership offered by the Chase Sapphire Reserve®, but the fee is only $95 per year.

The card also has a slightly worse ongoing return, earning 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases.

How does it compare?

  • Annual fee: $95 (Better)
  • 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 Ultimate Rewards®. (Better)
  • Rewards earned/$1 spent: $0.025 (Worse)
  • Other benefits: $50 annual hotel credit, 10% annual points boost, complimentary DashPass, points worth 25% more through Chase Travel (Worse)

Chase Sapphire Reserve® vs. American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

Verdict: Outshines the Chase Sapphire Reserve® in its everyday earning potential — and it's also cheaper

The American Express® Gold Card outperforms the Chase Sapphire Reserve® card on dining and U.S. supermarket purchases, Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. The card earns the same rate on airlines spend as the Chase Sapphire Reserve® and offers Uber Cash and a dining credit all for an annual fee of $250.

The primary drawbacks of the American Express® Gold Card are the lack of a $300 travel credit or lounge access, two key benefits provided by the Chase Sapphire Reserve®. In addition, like The Platinum Card® from American Express, the American Express® Gold Card credits come with restrictions that make them difficult to use.

For rates and fees of American Express® Gold Card, please click here

How does it compare?

  • Annual fee: $250 (Better)
  • Welcome bonus: Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. (Better)
  • Rewards earned/$1 spent: $0.044 (Better)
  • Other benefits: Up to $120 in annual Uber cash ($10 monthly) toward U.S. Uber rides and eats when you add the card to the Uber app, up to $120 in annual dining credits ($10 monthly) toward select dining purchases (Worse)
  • Terms apply

Should you apply for the Chase Sapphire Reserve®?

With its annual travel credit, complimentary lounge membership and solid returns on travel and dining spend, the Chase Sapphire Reserve® card is an ideal card for frequent travelers. The value of the various perks and travel insurance benefits could certainly exceed the $550 annual fee. The card also works in tandem with your other Chase cards, increasing the value of the Ultimate Rewards points you earn. Overall, there are few downsides to the card — as such, the Chase Sapphire Reserve® can easily be worth it for those needing a premium travel credit card.

If, however, you only travel occasionally or don't spend much on travel, you'll likely not get sufficient value out of the Chase Sapphire Reserve®. The cheaper Chase Sapphire Preferred® Card is likely a more suitable option, or another of the best travel credit cards.

Chase Sapphire Reserve® FAQs

Is the Chase Sapphire Reserve® still worth it?

With its $300 annual travel credit, complimentary Priority Pass™ Select membership, excellent travel insurance protections and the ability to earn and redeem lots of valuable Ultimate rewards points, the Chase Sapphire Reserve® is worth its $550 annual fee.

Is Chase Sapphire Reserve® hard to get?

You typically need Excellent credit to be approved for the Chase Sapphire Reserve® card, making it one of the more difficult credit cards to obtain. You must also be eligible for a credit limit of at least $10,000, as this is the minimum required for a Visa Infinite product.

What income do you need for Chase Sapphire Reserve®?

Chase doesn’t disclose a specific income requirement for the Chase Sapphire Reserve®. Still, income is only one of multiple factors used in the approval process, including your credit score and housing payment.

How much are Chase Ultimate Rewards® worth?

The value of 50,000 bonus Chase Ultimate Rewards® points is at least $750 when redeemed through Chase Travel. You can potentially get even greater value when transferring and redeeming them through partner airline and hotel loyalty programs.

Can I convert my Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®?

Yes, you may be eligible to convert a Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®. You must be eligible for a $10,000 minimum credit limit and your Chase Sapphire Preferred® Card account must be at least 12 months old. However, you won’t receive the sign-up bonus for the Chase Sapphire Reserve® if you convert to the product.

Can I upgrade my Chase Freedom to the Chase Sapphire Reserve®?

Yes, you may be eligible to upgrade a Chase Freedom card to the Chase Sapphire Reserve®. You must be eligible for a $10,000 minimum credit limit and your Freedom account must be at least 12 months old. You won’t, however, receive the sign-up bonus for the Chase Sapphire Reserve® if you upgrade to the product.

How do you request Priority Pass with the Chase Sapphire Reserve®?

To activate your Chase Sapphire Reserve® Priority Pass membership, log in to the Ultimate Rewards website and select your Chase Sapphire Reserve® card. Open the "Earn/Use" menu and click on "Card Benefits." Under "Airport Lounge Access," click "Activate Now" to request Priority Pass membership.

What airlines can you transfer Chase Sapphire Reserve® points to?

With the Chase Sapphire Reserve® you can transfer Ultimate Rewards Points to a total of 11 airline partners, including: Aer Lingus Aerclub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Air France-KLM Flying Blue, Iberia Plus, Jetblue True Blue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus and Virgin Atlantic Flying Club.

What counts as dining for the Chase Sapphire Reserve®?

Chase Sapphire Reserve® dining spend includes restaurants, takeout and eligible food delivery services. Restaurants include merchants with a primary business of sit-down or eat-in dining, ranging from fast food to fine dining. Merchants located within other facilities, such as stadiums or supermarkets, won’t count unless they’re set up purchases to be classified as restaurant purchases. Delivery service merchants will qualify if they classify as a restaurant merchant.

What is the difference between the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card?

The Chase Sapphire Reserve® card offers additional benefits beyond those of the Chase Sapphire Preferred® Card, including lounge membership, a $300 annual travel credit and increased earning rates on dining, travel, Lyft and Peloton. Ultimate Rewards points redeemed for travel are also worth more with the Chase Sapphire Reserve®. However, the Chase Sapphire Preferred® Card offers a 10% annual points boost and 3x points on online grocery purchases, benefits the Chase Sapphire Reserve® does not have. The $550 Chase Sapphire Reserve® annual fee is higher than the $95 Chase Sapphire Preferred® Card annual fee.

Does the Chase Sapphire Reserve® have rental car insurance?

Yes, the Chase Sapphire Reserve® travel insurance protections include an auto rental collision damage waiver. This primary coverage is valid both in the U.S. and abroad, providing reimbursement for up to $75,000 in theft or collision damage.

Does the Chase Sapphire Reserve® pay for Global Entry?

Yes, the Chase Sapphire Reserve® reimburses your Global Entry fee application in the form of a statement credit of up to $100. You can receive this once every four years when you charge the Global Entry application fee to your Chase Sapphire Reserve® card. This benefit also works for TSA Precheck.

How long does it take to get approved for the Chase Sapphire Reserve®?

Generally, credit card approvals are near instantaneous. However, it can take an issuer longer to make a decision, as many as eight to 15 business days. You can also expect it to take up to two weeks to receive your new card.

How do you activate DoorDash on the Chase Sapphire Reserve®?

You can receive at least 12 months of complementary DashPass when you activate with your Chase Sapphire Reserve® card before Dec. 31, 2021. To activate DoorDash, add your Chase Sapphire Reserve® card as a payment method in the DoorDash or Caviar mobile application and then click the activation button.

Is the Chase Sapphire Reserve® metal?

Yes, the Chase Sapphire Reserve® card is a metal card, composed of a proprietary alloy.

Can I refer a friend to the Chase Sapphire Reserve®?

Unfortunately, Chase isn’t currently offering the refer-a-friend program for the Chase Sapphire Reserve® card. However, you can refer friends for the Chase Sapphire Preferred® Card.

Does the Chase Sapphire Reserve® waive the fee for military members?

Yes, the Chase Sapphire Reserve® annual fee can be waived for active duty military members. Yes, the Chase Sapphire Reserve® card is a metal card, composed of a proprietary alloy.

Does Chase Sapphire Reserve® provide medical insurance?

Yes, if you're on a covered trip and you or your family members incur medical expenses, you may be reimbursed up to $2,500. However, terms and conditions apply, so check your guide to benefits for full information.

Is the travel insurance on Chase Sapphire Reserve® enough?

Chase Sapphire Reserve® travel insurance shouldn't be viewed as a substitute for medical insurance — it simply provides supplemental coverage and support if you encounter trouble during your trip. However, the card's travel insurance benefits do provide substantial protections against loss if your vacation is canceled or interrupted by a covered event, or if your luggage is lost while you're away.

Does Chase Sapphire Reserve® have travel insurance if you use award miles?

Yes, Chase Sapphire Reserve® travel insurance applies to trips paid for with your Chase Sapphire Reserve® credit card or points earned with that card. If your trip was booked with award miles earned in a program other than the Ultimate Rewards program, coverage may not apply.

Are hotels covered in Chase Sapphire Reserve® travel insurance?

Yes, Chase Sapphire Reserve® travel insurance applies to trips paid for with your Chase Sapphire Reserve® credit card or points earned with that card. If your trip was booked with miles or points earned in a program other than the Ultimate Rewards program, coverage may not apply.

Does Chase Sapphire Reserve® travel insurance cover lost luggage?

Yes, if your checked or carry-on luggage is lost or destroyed on a common carrier, such as an airline or train, and you're not able to receive a full refund from that carrier, you may be eligible for reimbursement from the Chase Sapphire Reserve® card's lost luggage reimbursement policy.

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

For rates and fees of American Express® Gold Card, please click here

The information related to American Express® Green Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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