travel insurance with chase sapphire preferred

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

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

Roadside Assistance

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

Emergency Medical and Dental Benefit

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

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

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UNDERSTAND YOUR BENEFITS

Your Guide to Benefits has what you need to know about the travel and purchase protection benefits that come with your card* - what's covered, not covered, and how to file a claim.

* Certain restrictions, limitations, and exclusions apply.    Please see your Guide to Benefits for details.

Chase Sapphire Preferred ® credit card

  60,000 bonus points

  3X on dining

  2X on travel

New cardmember offer

60,000 bonus points.

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

At a glance

Premium dining & travel rewards.

Earn 5x total points on travel purchased through Chase Travel SM , excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. * Opens offer details overlay Earn 3x points on dining, including eligible delivery services, takeout and dining out. * Opens offer details overlay Earn 2x on other travel purchases. * Opens offer details overlay

Interest Rate

21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

$95 † Opens pricing and terms in new window

Travel Credit Card Rewards & Benefits

New cardmember offer, earn 60,000 bonus points.

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

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

Partnership Benefit

$150 in additional partnership benefit value.

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

Earn Rewards

More ways to earn.

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

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

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

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

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

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

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

Ultimate Rewards

Additional value with ultimate rewards.

Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel. * Opens offer details overlay

Plus, ultimate rewards points do not expire as long as the account is open. * Opens offer details overlay

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

No Expiration

Chase pay over time.

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

Explore Additional Benefits

1:1 point transfer opens drawer that reveals additional content.

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

Airline Travel Partners

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

Hotel Travel Partners

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

Partner benefits Opens drawer that reveals additional content

Earn more points.

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

DashPass Subscription

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

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

Travel & purchase coverage Opens drawer that reveals additional content

You're covered with built-in benefits

Travel confidently

Trip cancellation/interruption insurance.

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

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement and collision damage for most rental cars in the U.S. and abroad. ** Same page link to disclaimer

Baggage Delay Insurance

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

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. ** Same page link to disclaimer

Travel and Emergency Assistance Services

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

Shop with confidence

Purchase protection.

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

Extended Warranty Protection

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

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

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

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

24/7 access Opens drawer that reveals additional content

24/7 access to a customer service specialist.

Enjoy 24/7 access to a customer service specialist from virtually anywhere in the world.

Spend Instantly Opens drawer that reveals additional content

Apply for a card, use it the same day.

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

Chase Pay Over Time SM Opens drawer that reveals additional content

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

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

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

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

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

Cardmember Reviews

Just excellent.

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

Submitted by: Alex

Best travel card ever !

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

Submitted by: Sunshine

Best Credit Card I Have

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

Submitted by: Amanda

Curious about the Chase Sapphire Preferred ® credit card?

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

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

Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Preferred rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window . How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Sapphire Preferred credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: hotel accommodation purchases through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 2 points ("2X points") on travel purchases: You'll earn 2 points for each $1 spent on purchases made in the travel category. 5 points ("5X points") on Chase Travel purchases: You'll earn 5 points total for each $1 spent on purchases made using your card through Chase Travel (3 additional points on top of the 2 points earned on each purchase in the travel category). Any hotel accommodation purchases made using your card through Chase Travel that qualify for the $50 Annual Chase Travel Hotel Credit, won't earn points. "$50 Annual Chase Travel Hotel Credit" means the statement credit that is automatically applied to your account annually on hotel accommodation purchases made using your card through Chase Travel, up to an annual maximum accumulation of $50. "Annually" means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. 3 points ("3X points"): You'll earn 3 points for each $1 spent on purchases in the following rewards categories: dining at restaurants including takeout and eligible delivery services; select streaming services; online grocery (excluding Target ® , Walmart ® and wholesale clubs). 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. 10% anniversary points bonus: Each account anniversary year, you'll earn bonus points that equal 10% of your total spend in points from purchases made with your credit card during the previous account anniversary year at a rate of 1 point for each $1 spent. "Account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. 5 total points ("5X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 3 points for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional points. You may see "5X" in marketing materials to refer to the 3 points in addition to the 2 points earned on travel purchases (see above). The additional 3 points will appear on your billing statement in a separate line from the 2 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

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

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

Book Through Chase Travel: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value, and points are worth 25% more than if redeemed for cash. For example, 60,000 points are worth $750 when redeemed for travel purchases, or $600 when redeemed for cash. The cost of travel is based on the rates and fares available through Chase Travel, including the online portal and call center, and may not reflect all rates and fares that are available through other sales channels. If you choose to use points and your Chase Sapphire Preferred credit card to pay for your purchase, each point will be worth $.0125, but your credit card will be charged the full remaining dollar amount.

Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Chase credit cards are consumer credit cards issued by Chase, small business cards are excluded at this time. For Chase Pay Over Time at checkout on Amazon.com, Amazon Visa and Prime Visa cards and Chase Mastercard credit cards are also excluded.

Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase Mobile App.

Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month's subscription fee will be eligible. If available for your account, the option to choose "financing offers available" will appear at checkout.

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

All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

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

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

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

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

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

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

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

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

$300 Travel Credit

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

Reserve Partner Value Modal

Lyft Pink Membership

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

DoorDash DashPass Subscription

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

Monthly DoorDash Credit

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

Priority Pass Select Membership

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

The Edit SM

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

10x on Peloton Purchases

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

DoorDash Dashpass Subscription

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

5x on Peloton Purchases

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

5x total points on Lyft

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

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Chase Sapphire Preferred Travel Insurance (2024 Guide)

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

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

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

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

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

Our Thoughts on Chase Sapphire Preferred Travel Insurance

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

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

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

How To Qualify to Use Chase Sapphire Preferred Travel Insurance

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

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

How Does Chase Sapphire Preferred Travel Insurance Work?

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

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

Coverage Benefits of Chase Sapphire Preferred Travel Insurance

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

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

Trip Cancellation

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

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

Trip Interruption

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

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

Trip Delay Insurance

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

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

Baggage Delay or Loss

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

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

Auto Rental Collision Damage Waiver

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

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

Travel Accident Insurance

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

Emergency Travel Medical Coverage

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

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

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

Emergency Evacuation and Transportation

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

Chase Sapphire Preferred vs. Chase Sapphire Reserve Travel Insurance

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

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

How To File a Travel Insurance Claim with Chase

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

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

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

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

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

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

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

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

Chase Sapphire Travel Insurance: Frequently Asked Questions

Does chase travel insurance cover family members.

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

What reasons for trip cancellation does Chase cover?

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

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

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

What other benefits come with the Chase Sapphire card?

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

Methodology: Our System for Rating Travel Insurance Companies

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

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

AM Best Disclaimer

More Chase Bank Resources

• Chase Bank Review
• Chase Auto Loan Review
• Chase Bank CD Rates
• Chase Savings Account Rates
• Chase Banking Promotions and Bonuses

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

Chase Sapphire Preferred Card benefits guide

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Key takeaways

• The Chase Sapphire Preferred® Card rewards structure makes it one of the most generous travel credit cards on the market today, especially when you consider its $95 annual fee.
• The card’s lucrative sign-up bonus only adds to the allure for cardholders who are interested in a top travel rewards card.
• Other perks, like a hotel credit, trip insurance and no foreign transaction fees, also make it worth consideration.

The Chase Sapphire Preferred® Card is easily one of the top travel credit cards on the market today thanks to its generous rewards structure, first-year welcome bonus and wealth of perks. This Chase credit card comes with a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. And in terms of ongoing rewards, cardholders earn 5X points on travel purchased through Chase Ultimate Rewards and Lyft Rides (Lyft offer through March 2025); 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs); 2X points on general travel; and 1X points on everything else

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

Chase Sapphire Preferred annual benefits

$50 hotel credit.

As a cardholder, you’ll receive $50 in statement credits each year for hotel stays purchased through Chase Ultimate Rewards. This means you can book a hotel with cash through the portal, pay the cost with your Chase Sapphire Preferred and automatically see $50 statement credit hit your account within a billing cycle or two.

10% anniversary point bonus

Each account anniversary, cardmembers will automatically earn bonus points equal to 10 percent of the total spent from the previous year. If you spend $30,000 on your card during a single year, for example, your anniversary point bonus would equal 3,000 points.

Chase Sapphire Preferred travel benefits

No foreign transaction fees.

You won’t be charged foreign transaction fees on purchases made in a foreign currency whether you’re traveling abroad or simply shopping online with a non-U.S.-based merchant. This is a standard benefit among top travel credit cards, it’s still worth noting particularly if you frequently travel abroad.

Auto rental collision damage waiver

This card offers primary auto rental coverage good for up to the actual cash value of a vehicle for most rental cars within the U.S. and abroad. This means you can decline the rental car coverage you’re offered through a car rental agent and depend this protection instead.

Trip cancellation and interruption insurance

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

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

Baggage delay insurance

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

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

Trip delay reimbursement

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

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

Lost luggage reimbursement

This coverage is worth up to $3,000 per covered person for each trip, with a $500 sublimit for jewelry and watches and another $500 sublimit for cameras and electronic equipment. It can apply when your checked or carry-on luggage is lost or stolen while in the care of a common carrier.

Coverage results in reimbursement of actual cash value of luggage and belongings (replacement cost less depreciation), and the cardholder and their immediate family members qualify. The primary cardholder must pay for at least part of the travel expense with a common carrier for coverage to apply.

Roadside dispatch

Cardholders can call into a roadside dispatch hotline 24 hours a day for help with flat tires, fuel delivery, lockout services and more. Note that the dispatch number is free to call, but that cardholders must pay for services received.

Travel and emergency assistance services

Cardholders can request travel and emergency assistance when they’re on the road, which can help with medical and legal referrals, cash advances, transportation assistance and other services. Cardholders can call into the hotline to arrange services for free, but the cost of services must be paid separately.

Travel accident insurance

Cardholders also qualify for travel accident insurance that applies if they lose their life, speech, hearing, limb and certain other losses. The value of this coverage is typically $500,000 for travel with a common carrier, although the benefit for 24-hour travel accident insurance is only $100,000.

Additional Chase Sapphire Preferred benefits

Complimentary dashpass subscription.

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

Instacart benefits

Cardholders get six months of complimentary Instacart+ membership (activation required). Instacart+ members also get up to $15 in monthly statement credits through July 2024.

Purchase protection

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

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

Extended warranties

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

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

How to maximize the Chase Sapphire Preferred Card’s benefits

The Chase Sapphire Preferred has a lot going for it already, yet there are numerous ways to squeeze more value from the card over the course of a year. Consider the following tips to earn more rewards and get more perks with this card.

• Book travel through the Chase Ultimate Rewards portal . Booking paid travel through the Chase portal with this card will net you 5X points for each dollar you spend. You can also take advantage of the $50 hotel credit this card offers for bookings through the portal. If you decide to use your rewards to book travel through Chase, you’ll get 25 percent more value for each point you redeem.
• Take advantage of transfer partners . Look into Chase airline and hotel partners, which include popular programs like British Airways, Southwest Rapid Rewards, United Mileage Plus, Marriott Bonvoy, World of Hyatt and more. Our Bankrate point valuations show that Chase points can increase in value when they’re transferred to partners and used for a premium travel redemption.
• Utilize Chase offers . Chase Offers is a program that’s similar to Amex Offers for American Express cards. Chase Sapphire Preferred cardholders can add Chase Offers to their cards before making an eligible purchase and earn various amounts of cash back when they meet the offer terms.
• Use the card to pay for travel . When you pay for travel with your credit card, your rewards points or a combination of the two, you automatically qualify for a range of included travel protections. The main Chase Sapphire Preferred benefits you can use in this realm include trip cancellation and interruption insurance, baggage delay insurance, trip delay coverage and lost luggage reimbursement.
• Use the rental car insurance . Finally, remember to use the auto rental coverage this card offers because it’s true “primary coverage.” This means you can use it in place of your own insurance coverage if you need to file a claim.

The bottom line

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

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

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

Why I love the Chase Sapphire Preferred Card

How the Chase Sapphire Preferred pays for itself

Bank of America Premium Rewards credit card vs. Chase Sapphire Preferred

Is the Chase Sapphire Preferred worth it?

Chase Sapphire Preferred Credit Card Review

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Credit cards

Citi Strata vs. Chase Sapphire Preferred

Stella Shon

Ashley Barnett

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

Robin Saks Frankel

Published 6:10 a.m. UTC July 15, 2024

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There are two popular travel credit cards that won’t break the bank: the $95-annual-fee Citi Strata Premier℠ Card * The information for the Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. and the $95-annual-fee Chase Sapphire Preferred® Card . The two cards’ sub-$100 annual fees make them cost-effective choices compared to many premium credit cards, which can often have fees that are three times higher.

It’s important to examine each credit card’s features and benefits further to determine which one is the best fit. While the Citi Strata Premier has a wider (and more generous) range of bonus categories, the Sapphire Preferred is part of a reputable rewards program that can help you stretch the value of your points for travel. 

The Citi Strata Premier is the revamped version of the Citi Premier card, which is no longer available to new applicants. However, the Strata Premier now offers up to 10 points per $1 on select travel purchases. But even with the new features on the card, the Sapphire Preferred maintains its slight edge by offering one of the best-in-class travel insurance and purchase protections for consumers.

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Chase Sapphire Preferred® Card

Welcome bonus.

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

Regular APR

Credit score.

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

Editor’s take

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

Card details

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

Citi Strata Premier Card vs Chase Sapphire Preferred Card overview

Rewards and benefits.

Let’s conduct a deep dive into the rewards and benefits of the Citi Strata Premier and the Chase Sapphire Preferred.

Earning rewards

The Citi Strata Premier earns 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations and 1 point per $1 on other purchases.

The Chase Sapphire Preferred earns 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.

Both cards offer elevated bonuses on various purchases. However, the Citi Strata Premier offers better returns on everyday spending with its rewards at restaurants, supermarkets and gas.

If you want to maximize your travel purchases, however, the Chase Sapphire Preferred is a better earner in the long run, even though the Citi Strata Premier offers 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations and 1 point per $1 on other purchases.

Meanwhile, the Chase Sapphire Preferred offers 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.

Finally, the Sapphire Preferred also offers a 10% anniversary bonus on your entire year’s spending. For example, by spending $50,000 on the card, you’d get an anniversary bonus of 5,000 points.

Redeeming rewards

The Strata Premier is a Citi card that earns Citi ThankYou® points , while the Chase Sapphire Preferred earns Chase Ultimate Rewards® points . Each rewards program offers various redemption options, such as travel, gift cards and cash back.

With the Citi Strata Premier, your points will be worth a flat rate of 1 cent each. In other words, redeeming 10,000 points would be worth $100 for travel through Citi Travel Center, gift cards and more. 

The Chase Sapphire Preferred has the same cash-back redemption of 1 cent per point, but points are worth more when redeeming them through the Chase Travel website . In fact, they’re worth 1.25 cents apiece, which is an excellent way to book flights, hotels and experiences.

Transfer partners

Both the Citi ThankYou Points and Chase Ultimate Rewards programs offer the ability to transfer rewards to a select group of airline and hotel partners. Most of your points will transfer at a 1:1 ratio, which means one Citi or Chase point will equal one airline mile or hotel point.

Here’s a look at the Citi ThankYou partners. All of your Citi ThankYou points transfer at a 1:1 ratio except for Choice Privileges, which as a 1:2 ratio:

• Aeromexico Club Premier
• Air France / KLM Flying Blue
• ALL – Accor Live Limitless
• Avianca Airlines Lifemiless
• Cathay Pacific Asia Miles
• Choice Privileges
• Emirates Skywards
• Etihad Guest 
• EVA Air Infinity MileageLands
• JetBlue TrueBlue
• Leaders Club
• Qantas Airways Frequent Flyers
• Qatar Airways Privilege Club
• Singapore Airlines KrisFlyer
• Thai Airways Royal Orchid Plus
• Turkish Airlines Miles & Smiles
• Virgin Atlantic Flying Club
• Wyndham Rewards

And here’s a look at Chase’s transfer partners , which all move over at a 1:1 ratio: 

• Air Canada Aeroplan
• British Airways Executive Club
• Iberia Plus
• IHG One Rewards
• Marriott Bonvoy
• Southwest Rapid Rewards
• United MileagePlus
• World of Hyatt

While Citi ThankYou has more participating programs, Chase’s list of transfer partners is more relevant to U.S. travelers. You can transfer Chase points to three domestic airlines and a wider range of hotel programs. 

The Citi Strata Premier offers a more rewarding welcome bonus for new applicants. With the Strata Premier, you can earn 75,000 points after spending $4,000 on purchases in the first three months of account opening.

New applicants of the Chase Sapphire Preferred will earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.

Hotel credit

The Citi Strata Premier offers a $100 annual hotel benefit for cardholders. You can save $100 off a single hotel stay of $500+ (excluding taxes and fees) when booked through CitiTravel.com each calendar year.

Similarly, the Chase Sapphire Preferred has an annual $50 hotel credit when booked through Chase Travel. While this is lower than the Citi Strata Premier, there’s no minimum spend requirement to trigger the $50 statement credit. 

Travel benefits

With the launch of the new Citi Strata Premier , the card has boosted its suite of complimentary travel insurance benefits. By paying for travel expenses with the card, you’ll get access to the following:

• Trip delay protection: Up to $500 in incurred costs for delays longer than 6 hours.
• Auto rental collision damage waiver: Secondary insurance that offers protection after your primary rental car insurance and you decline coverage at the rental car counter.
• Trip cancellation and interruption insurance: Up to $5,000 maximum per person or $10,000 in total claims per 12 months. 
• Lost and damaged luggage protection: Up to $3,000 in coverage with a limit of 2 claims per 12 months.

The Chase Sapphire Preferred offers many travel insurance benefits as well:

• Trip delay protection: Up to $500 in incurred costs for delays longer than 12 hours.
• Auto rental collision damage waiver: Primary insurance that offers protection when you decline coverage at the rental car counter.
• Trip cancellation and interruption insurance: Up to $10,000 per person or $20,000 per trip.
• Baggage delay insurance: Up to $100 per day (maximum of 5 days).
• Lost luggage reimbursement: Up to $3,000 per passenger.
• Travel and emergency assistance services: Available 24/7 to coordinate referrals and services while traveling.

Overall, the Chase Sapphire Preferred provides significantly more comprehensive travel coverage, particularly for rental car insurance. The card covers most rental cars for up to 31 days, which is a substantial benefit of this rewards credit card . On the other hand, the Strata Premier does provide trip delay reimbursement for delays exceeding 6 hours, compared to the 12-hour threshold on the Chase Sapphire Preferred. 

Winner for rewards and benefits: Chase Sapphire Preferred.

Fees and charges

When applying for any credit card, you’ll want to know how much you’ll be charged for holding the account open. In the case of the Citi Strata Premier and Sapphire Preferred, the fees and charges are comparable.

The Citi Strata Premier and the Sapphire Preferred both have an annual fee of $95 typically charged to your first credit card statement. Frequent travelers can justify this ongoing cost by taking advantage of the perks and strong rewards rates each card offers.

Foreign transaction fee

Either card is a great option for your travels abroad. Both the Citi Strata Premier and the Sapphire Preferred waive foreign transaction fees, which are surcharges on transactions made outside of the U.S.

Balance transfer fee

If you’re transferring credit card balances , you’ll have to pay the variable APR along with the following additional fees: 

• Citi Strata Premier: either $5 or 5% of the amount of each transfer, whichever is greater. 
• Chase Sapphire Preferred: Either $5 or 5% of the amount of each transfer, whichever is greater.

Winner for fees and charges: It’s a tie.

Additional perks

Both cards offer many ways to justify the ongoing annual fee. Let’s take a closer look at what’s available for everyday use. 

Purchase protection

The Citi Strata Premier and the Chase Sapphire Preferred both offer purchase protection benefits, but the Strata Premier covers higher-priced purchases. With the Strata Premier card, certain items purchased with the card and damaged or stolen within 90 days are eligible for coverage with this complimentary benefit which includes up to $10,000 of reimbursement per item and up to $50,000 in coverage per calendar year. With the Chase Sapphire Preferred card, certain items purchased with the card and damaged or stolen within 120 days are eligible for coverage with this complimentary benefit. Finally, the coverage limits are the same, which includes up to $500 of reimbursement per item and up to $50,000 in coverage per calendar year.

Extended warranty

The extended warranty benefit offers additional months of coverage beyond a given U.S. manufacturer’s warranty of an item you may purchase with the card. The Citi Strata Premier provides up to 24 months of additional coverage and provides up to $10,000 in reimbursement for qualifying claims. 

On the other hand, the Chase Sapphire Preferred provides an additional year of coverage on original eligible warranties of three years or less. The maximum reimbursement amount is $10,000 per item and $50,000 per account.

Roadside assistance

The Chase Sapphire Preferred gives its cardholders access to its pay-per-use roadside dispatch program. The program is available 24/7 within the U.S., and no membership or enrollment in the benefit is required. 

The Citi Strata Premier does not offer roadside assistance benefits.

Winner for additional perks: Chase Sapphire Preferred.

Citi Strata Premier card might be right for you if:

• You can take advantage of the outstanding earning rate on hotels, car rentals and attractions booked through the Citi Travel Center, with up to 10 points per $1 spent.
• You travel occasionally and prefer to rack up a ton of bonus points on everyday purchases, from gas stations to supermarkets.
• You can save $100 on a single hotel stay of $500 or more booked through the Citi Travel Center each calendar year. 

Chase Sapphire Preferred card might be right for you if:

• You want to earn some of the most valuable travel rewards points out there and have the ability to book flights, hotels and more with a 25% bonus through Chase Travel.
• You want a credit card with strong travel and purchase coverages, such as primary rental car insurance and extended warranty.
• You want access to Chase’s 1:1 transfer partners, which include IHG One Rewards, Southwest Rapid Rewards, United MileagePlus, World of Hyatt and more.

Bottom line

Both the Citi Strata Premier and the Chase Sapphire Preferred offer an array of benefits and features, whether you’re traveling internationally or renting a car closer to home. 

Even so, the Chase Sapphire Preferred will stand out for most travelers as it offers a rewarding way to redeem points: Book travel with a 25% bonus through the Chase Travel portal. Coupled with its extensive list of airline and hotel transfer partners, the Chase Sapphire Preferred excels in nearly every category of our detailed card comparison. 

Frequently asked questions (FAQs)

The Chase Sapphire Preferred card has more valuable travel redemption options than Citi. For instance, you can redeem your points for 25% more value through the Chase Travel portal, which offers better 1:1 transfer partners, including United MileagePlus, Southwest Rapid Rewards and World of Hyatt.

No, you cannot enter airport lounges with the Chase Sapphire Preferred Card, which includes the newly opened Chase Sapphire lounges . To access it, you’ll need to upgrade to the Chase Chase Sapphire Reserve® , which has a $550 annual fee.

The best card will depend on your willingness to pay an annual fee and the specific benefits you seek. The Platinum Card® from American Express (terms apply) and the Chase Sapphire Reserve Card are the best for airport lounge access, while the Chase Sapphire Preferred Card is the best for affordable travel rewards.

For your best chances of approval, you should have a good to excellent credit score or at least a 670+ score.

You can earn 75,000 points after spending $4,000 on purchases in the first three months of account opening.

*The information for the Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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

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

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

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

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

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How To Find the 80K or 100K Bonus Offer for the Chase Sapphire Preferred Card [June 2024]

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Table of Contents

Benefits of the chase sapphire preferred card, how to find a larger chase sapphire preferred welcome bonus offer, why is the 80k or 100k chase sapphire preferred welcome offer worthwhile, what credit score do you need for the chase sapphire preferred card, history of chase sapphire preferred welcome offers, will the 80k to 100k chase sapphire preferred welcome offer happen more than once, can you get more than 1 welcome offer on the chase sapphire preferred card, best ways to redeem the 80k to 100k chase sapphire preferred welcome offer, reasons you may not be able to get a higher welcome offer, final thoughts.

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The Chase Sapphire Preferred ® Card  is easily one of the most popular travel rewards cards available, thanks to its bonus categories, benefits, welcome offer, and the fact that it earns Chase Ultimate Rewards points.

As with most credit cards, the welcome offer for the Chase Sapphire Preferred card can vary. So, if you’re hoping to get the biggest offer possible, here are a few ways to help increase your chances.

Before we dive into how you can get the highest welcome bonus offer possible on the Chase Sapphire Preferred card , let’s take a look at some of the card’s best benefits to see if it’s a good fit for you.

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

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

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

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

Bonus Categories

• 5x points on travel purchased through Chase Travel
• 5x points on select Peloton purchases over $250 (through March 31, 2025)
• 5x points Lyft (through March 31, 2025)
• 3x points on online grocery purchases , excluding Target, Walmart, and wholesale clubs
• 3x points on dining at restaurants, including eligible delivery services and takeout
• 3x points on select streaming services
• 2x points on all other travel purchases
• 1x points on all other purchases

Other Key Benefits

• Primary Rental Car Coverage — Your rental car is covered for theft and damage in the U.S. and most countries around the world.
• Annual Hotel Credit — Receive an annual statement credit of up to $50 toward a hotel stay purchased through the Chase Travel portal.
• Annual Bonus Points — Receive a 10% bonus on your annual spend on your card as bonus points on your account anniversary (i.e. spend $30,000 and receive 3,000 bonus points).
• Trip Cancellation/Interruption Insurance  — If you need to cancel or cut a trip short for covered issues (like severe weather or an illness), you’re eligible for up to $10,000 of coverage for prepaid, nonrefundable travel expenses.
• Baggage Delay Insurance  — If your checked baggage is delayed more than 6 hours, you can receive $100 in reimbursements for essential items per day for up to 5 days.
• Trip Delay Reimbursement  — If you pay for your trip with the Chase Sapphire Preferred card and it is delayed for 12 or more hours, or long enough to require an overnight stay, you’re eligible for reimbursement of up to $500 per ticket in reasonable expenses.
• Purchase Protection  — Your new purchases are covered for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Extended Warranty Protection  — A U.S. manufacturer’s warranty is extended by a year.
• 25% Point Bonus Through Chase Travel Portal  — Your points are worth 1.25 cents apiece, instead of 1 cent, when redeemed through the Chase Travel portal .

While the standard offer on the Chase Sapphire Preferred card is usually pretty solid, you always want to make sure you’re getting the best offer possible. Here are a few ways to try and track down a higher offer.

Increased Public Welcome Offer — Easiest Way

Naturally, one of the best ways to track down a higher welcome offer is by not having to track it down at all! Occasionally, Chase will offer an increased welcome offer available to everyone for a limited time.

The current public welcome offer is: Earn 60,000 points after you spend $4,000 on purchases in the first 3 months.

Ultimate Rewards points are worth more when redeemed through Chase Travel — and even more when transferred to one of the Chase transfer partners .

Utilize CardMatch

CardMatch  is a tool that allows users to check for targeted offers from banking partners. Many of the larger U.S. banks, like Chase and American Express, publish these targeted offers on CardMatch, revealing those offers to users who use the CardMatch tool.

If you want to make sure you’re prequalified for a card before you apply, CardMatch offers that, as well. While this does not guarantee approval, the likelihood of getting approved improves significantly compared to someone who applies for a card through its website.

Just be aware that there’s no guarantee that you’ll see better offers than what’s publicly available. But it’s worth checking out, especially as it’s free and your credit doesn’t get pulled.

Here’s the information that you need to provide CardMatch with to use the tool to see your offers:

• Last 4 digits of your Social Security number

While you may have reservations about providing the last 4 digits of your Social Security number, the entire website is secured using 256-bit encryption, and it’s a PCI Level 1-compliant organization, which means it offers the same level of security as a bank would.

Furthermore, when you insert these details into CardMatch, you will not receive a hard pull on your credit report . This information is only used to match you with any targeted offers you’re eligible for.

Targeted Mailings From Chase

Another great option to increase your odds of receiving a higher offer is by opting into targeted mailings from Chase . Luckily, it’s pretty simple to do so.

First, log in to your account and click over to your Profile , then Settings . Once there, select Marketing Preferences , and then make sure you’ve selected Yes to receive special offers from Chase, which includes credit card offers!

How does 90K for the Chase Sapphire Preferred card sound? We’ve seen reports of 90,000-point welcome offers being mailed to targeted customers for the Chase Sapphire Preferred card (expiring July 8, 2024), so make sure to opt in for special offers!

Without a doubt, the main reason why the Chase Sapphire Preferred card’s 80,000- or 100,000-point welcome offers are worthwhile is the amount of value they can offer you.

Consider that merely redeeming these welcome offers for cash-back would offer $800 to $1,000 in value to you. But if you were to redeem your points through the Chase travel portal, with a 25% bonus as a benefit of your Chase Sapphire Preferred card, your value would increase to $1,000 in travel for the 80K offer and $1,250 in travel for the 100K offer.

That said, you could potentially receive even more value than that by making strategic use of the Chase transfer partners . By redeeming your points this way, you can book business and first class flights, along with 5-star hotel stays, for a fraction of what these experiences would usually cost — giving you far more value than 1 to 1.25 cents per point.

There is no set credit score that will guarantee that you will be approved for the Chase Sapphire Preferred card . That said, if you have Good to Excellent (670 to 850) credit score, plus a couple of years of clean credit history, you should have reasonably good approval odds.

In the past, welcome offers for the Chase Sapphire Preferred card have generally ranged from 60,000 points to 80,000 points, but the highest-ever welcome offers have been 100,000 points.

Both the 80,000-point and 100,000-point offers have happened more than once. We cannot say definitively whether they will be offered again, but, based on the history of offers, it is likely that you’ll see them again.

So, if you missed out on the 80,000- to 100,000-point welcome offer before, there is a decent chance that you’ll have the opportunity again.

Both Sapphire-branded cards from Chase, the Chase Sapphire Preferred card and the Chase Sapphire Reserve ® , have a 48-month rule. This means you’re not eligible to receive the welcome bonus offers on either card if you’ve already received one within the last 48 months.

If it has been more than 48 months since you last received the bonus, you would need to downgrade your card and then reapply for the Chase Sapphire Preferred card to receive the bonus a second time.

There’s no shortage of excellent ways to put a welcome offer of 80,000 to 100,000 Chase points to good use.

You could book business class flights between the U.S. and Europe via the Air France-KLM Flying Blue program for as low as 50,000 points in each direction. Or you could book short-haul tickets aboard American Airlines via British Airways Executive Club for as low as 7,500 or 9,000 points, depending on the distance. Or you could even book top-notch hotel stays at Hyatt properties around the world.

If you need more inspiration, read our ultimate guide on the best ways to redeem your Chase points for maximum value.

Chase’s 5/24 Rule

The Chase Sapphire Preferred card is subject to the Chase 5/24 rule . If you’re not familiar with it, the 5/24 rules limit new applicants from opening certain cards with Chase if they have previously opened 5 or more new credit cards in the last 24 months.

Keep in mind that this mostly applies to new personal credit cards — many business credit cards, personal loans, auto loans, etc., are not counted toward your 5/24 total .

So, if you’ve opened 5 or more new accounts over the past 2 years, you will not be approved for the Chase Sapphire Preferred card, even if you track down a higher welcome offer.

If you currently have a low credit score, your odds of getting approved for the Chase Sapphire Preferred card are much lower, regardless of how large a welcome offer you’re applying for.

If you were recently denied for the Chase Sapphire Preferred card, or think you would be denied if you applied, then your main priority should be to improve your credit score .

You’ve Said No to Marketing Offers

This one is easy to overlook, as Chase cannot send you marketing offers if you do not opt-in to receive them. If you want to limit the amount of snail mail you receive, you’re better off avoiding this, but if you want targeted offers mailed straight to you, you have to opt in !

Overall, the Chase Sapphire Preferred card  is an excellent travel credit card, especially for beginners and those new to points and miles .

If you’re considering adding the Chase Sapphire Preferred card to your wallet, be sure to do some research so that you can make sure you’re getting the best offer possible. Once you’ve earned the bonus, then comes the fun part of deciding how to redeem your Chase Ultimate Rewards points !

Frequently Asked Questions

How much are chase ultimate rewards points worth.

The value of the points you earn with your card can vary based on how you use them. If you book travel through the Chase travel portal, you get 1.25 cents per point in value. However, if you transfer them to hotel or airline partners, they can be worth much more.

Is the Chase Sapphire Preferred card subject to the 5/24 rule?

Yes, the Chase Sapphire Preferred card is subject to the 5/24 rule. So if you have opened 5 or more new cards in the last 24 months, you will not be approved for the card.

Is the Chase Sapphire Preferred card worth it?

It depends! For most people it absolutely is. You should consider all of the benefits you’re receiving from the card and see if those outweigh the $95 annual fee. If so, then the card is most likely worth it for you.

Do Chase Ultimate Rewards points expire?

Your Chase Ultimate Rewards points never expire as long as your account remains active.

What is the highest ever Chase Sapphire Preferred card welcome bonus offer?

The highest welcome bonus we’ve ever seen for the Chase Sapphire Preferred card was 100,000 points.

How do you get the Chase Sapphire Preferred 80k or 100k bonus?

The best way to get the 80,000- or 100,000-point welcome bonus offer for the Chase Sapphire Preferred card is to wait for a limited-time elevated welcome offer from Chase, utilize CardMatch for a targeted offer, or opt-in to receive targeted mailings from Chase.

How much is 100,000 Chase points worth?

How much value you get from your Chase Ultimate Rewards points will depend on how you redeem them. At a minimum, you could turn 100,000 points into $1,000 in cash-back, or $1,250 in travel purchases with the 25% bonus through the Chase travel portal. However, we value Chase points at 2 cents per point, making 100,000 points worth $2,000, thanks to the high-value redemptions you can make by using the Chase transfer partners.

When will the Chase Sapphire Preferred card bonus increase?

There is no way to know for sure when Chase will increase or decrease its welcome bonus offer on the Chase Sapphire Preferred card unless Chase itself states that publicly. That said, Chase has a history of rotating offers a few times per year, so if you don’t currently see an increased offer you can always hold out for a higher one.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

Discover the exact steps we use to get into  1,400+ airport lounges worldwide, for free   (even if you’re flying economy!) .

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How does Chase Sapphire travel insurance work?

What does chase sapphire travel insurance cover, what if the chase sapphire travel insurance benefits are insufficient for my trip, how do i file a chase sapphire travel insurance claim, the bottom line, chase sapphire travel insurance faqs.

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Guide to Chase Sapphire Travel Insurance Benefits 2024

• The Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® offer complimentary travel insurance protections to help give you peace of mind while away from home. 
• Cardholders can access trip cancellation and interruption coverage, lost luggage reimbursement, rental car insurance, and more.
• There are various limitations to the coverage these cards can provide, so a standalone travel insurance plan may be more suitable if you prefer comprehensive coverage.

Chase Sapphire travel insurance is offered to Chase Sapphire Reserve or Sapphire Preferred cardholders on a complimentary basis. These trip insurance protections can offer coverage for unfortunate instances like if your trip is delayed, you accidentally crash your rental car, an airline loses your luggage, or you get seriously injured during your travels.

To get travel protection from your Chase Sapphire credit card, you must pay for part of your trip with either your Chase credit card or with Chase Ultimate Rewards® points that you earned from the card. Just having the card in your wallet isn’t enough to be eligible for this coverage.

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

▶︎ See our detailed comparison: Chase Sapphire Reserve vs Sapphire Preferred

Various Chase credit cards offer a handful of travel insurance perks, but the best protection comes from the Chase Sapphire Preferred® and the Chase Sapphire Reserve® . These cards offer high-limit coverage for trip cancellation/interruption, trip delays, baggage delays, car rentals, and more. 

Here’s how their coverage stacks up:

Comparison of coverage

We’ll explain these benefits more as you keep reading.

Trip cancellation and interruption protection

Trip cancellation coverage comes into play when your trip must be canceled for reasons beyond your control, such as being called to jury duty or your hotel or resort becoming uninhabitable due to a natural disaster before you arrive. This coverage can help you get reimbursed for pre-paid travel expenses you booked ahead of time, such as airfare, your hotel stay, and tours you already paid for.

Trip interruption coverage kicks in when your trip must be cut short due to a covered reason, such as a travel warning due to terrorism being issued in your destination or a terrorist incident happening within 25 miles of one of the destinations or airports on your itinerary.

Note that you’ll get reimbursed for pre-paid travel expenses you covered ahead of time whether you paid for your trip with your credit card or Chase Ultimate Rewards® points. In fact, Chase says in its fine print that rewards points redeemed for travel “will be reimbursed in an amount equal to their monetary value.”

Both the Chase Sapphire Preferred® and the Chase Sapphire Reserve® come with trip cancellation and interruption benefits worth up to $10,000 per covered person and up to $20,000 per eligible trip.

Trip delay protections

The Chase Sapphire Preferred® and the Chase Sapphire Reserve® also come with trip delay reimbursement worth up to $500 per ticket. This kind of coverage can be useful when your trip is delayed by a common carrier for a specific length of time, and you’re forced to pay for lodging or additional means.

That said, Sapphire Reserve coverage kicks in sooner than travel delay insurance from the Sapphire Preferred (as seen below).

• Chase Sapphire Preferred: Receive up to $500 in coverage for trip delay reimbursement when trips are delayed for at least 12 hours.
• Chase Sapphire Reserve®: Receive up to $500 in coverage for trip delay reimbursement when trips are delayed for at least 6 hours.

Baggage delay reimbursement

Baggage delay reimbursement can help pay for travel-related incidental expenses that occur when your bags don’t show up at your destination when you do.

For example, this coverage can pay for:

• Clothing you have to buy
• Electronics chargers you require
• Essential hygiene items

Both Chase Sapphire cards offer up to $100 per day in baggage delay reimbursement for a maximum of five days. Baggage must also be delayed for at least six hours on a covered trip before coverage applies.

Lost luggage reimbursement

If your luggage is lost or significantly damaged by the common carrier, you can recoup some of those losses with your Chase Sapphire card. Both cards have a coverage maximum of $3,000 per covered person per trip.  Within that, there’s a limit of $500 for jewelry and watches and another $500 limit for electronics, including cameras.

The amount of coverage you qualify for is determined by the actual cash value of your lost belongings.

Primary rental car insurance

Both Chase Sapphire cards also offer primary car insurance coverage that lets you skip paying for protection at the rental car counter and use this coverage instead. However, not all cars qualify, and not all destinations let you use this insurance. Chase says you’ll want to contact your program administrator to see if the type of car you plan to rent qualifies.

Also note that rental periods of up to 31 days can be covered, whereas car rental periods lasting longer than 31 days are not.

Coverage typically excludes antique cars (cars over 20 years old or that have not been manufactured for ten 10 years or more), cargo vans, vehicles with open cargo beds, motorcycles, mopeds and motorbikes, limousines, recreational vehicles for off-road exploration, and passenger vans with seating for more than nine people (including the driver).

Coverage from each card varies in this category as well:

• Chase Sapphire Preferred: Auto rental coverage applies to collision damage or theft and is worth up to the actual cash value of most cars.
• Chase Sapphire Reserve®: Auto rental coverage applies to collision damage or theft and is worth up to $75,000.

Emergency medical and dental benefits

When it comes to emergency medical and dental benefits, only the Chase Sapphire Reserve® offers this coverage and it’s still very limited.

This medical insurance also applies to very specific situations, including the following:

• Coverage for the services of a legally qualified physician, surgeon, graduate nurse, dentist, or osteopath
• Charges for hospital confinement and use of operating rooms
• Charges for anesthetics (including administration), x-ray examinations or treatments, and laboratory tests
• Ambulance services
• Drugs, medicines, and therapeutic services and supplies

Chase medical coverage is only worth up to $2,500 for emergency medical expenses, subject to a $50 deductible. However, Chase says you can be eligible for up to $75 per day (maximum of five days) in coverage for hotel charges if your physician determines you should recover in a hotel immediately after treatment.

Note that this benefit applies to cardholders who pay for all or part of their round-trip travel expenses with their card or Chase Ultimate Rewards® points. Immediate family members can also qualify for coverage if they are a spouse or domestic partner or a legally dependent child under the age of 19 (or under the age of 26 if they’re enrolled in a college or university).

Emergency evacuation and transportation

The Chase Sapphire Reserve® is also the only Chase credit card that comes with emergency evacuation and transportation coverage .

This protection is worth up to $100,000, and it pays for eligible transportation expenses, medical services, and medical supplies that are necessary during evacuation.

Note that emergency evacuation is only covered when it is recommended by an attending physician, required by standard regulations of the company transporting you, and approved in advance by the benefit administrator. If you are hospitalized for more than eight days, this coverage can also pay to have a friend or relative transported to your bedside in some cases.

Travel accident insurance

Both Chase Sapphire cards also offer travel accident insurance that pays a beneficiary for loss of life. Coverage can also apply to accidental dismemberment or to loss of hearing, sight, or speech.

As seen below, coverage varies between the two cards.

• Chase Sapphire Preferred: Qualify for up to $500,000 in coverage when traveling on a common carrier and up to $100,000 for 24-hour coverage.
• Chase Sapphire Reserve: Qualify for up to $1 million in coverage when traveling on a common carrier and up to $100,000 for 24-hour coverage.

Also note that certain accidental dismemberments and some losses of hearing, sight, or speech qualify for lower amounts of coverage depending on the loss in question. For example, the loss of a thumb and index finger of the same hand only qualifies for 25% of the maximum benefit amount, whereas the loss of one hand, loss of one foot, loss of sight in one eye, loss of speech and loss of hearing only qualify for 50% of the maximum benefit amount.

While Chase travel insurance benefits work well in a broad range of scenarios, there are situations where a standalone policy can leave you better off.

For example, having just $2,500 in emergency medical and dental coverage from the Sapphire Reserve is going to be insufficient for anyone traveling to a country where their health insurance doesn’t apply. Additionally, trip cancellation and trip interruption benefits may not be enough for expensive trips that cost more than limits can reimburse for.

If you feel like credit card travel insurance could leave you vulnerable to losses, you can purchase affordable travel insurance from a broad range of issuers. Doing so can ensure you have the medical coverage you need when you need it, and that you’ll get protection for all your nonrefundable travel expenses after sign-up. If you have a pre-existing condition, you’ll also want to make sure your plan offers a pre-existing conditions waiver and that you meet the conditions to qualify. Additionally, contemplating travel insurance tailored to the specifics of your trip, such as cruise insurance , is a prudent consideration.

The exact steps you’ll take to file a credit card travel insurance claim with Chase vary based on whether you have the Sapphire Preferred, Sapphire Reserve, or another Chase credit card.

You may also need to take different steps based on the type of coverage you are filing a claim for.

Either way, here’s a rundown of the basic steps you’ll need to take to file a Chase travel coverage claim.

• Start a new claim with Chase’s claims center. Go to eclaimsline.com and select “new claim.”
• Select claim type. After that, you’ll select the type of claim you want to file from a dropdown menu, whether you’re filing for trip cancellation coverage, baggage delay insurance, or something else.
• Enter the requested information. Chase will ask you to supply a range of personal details and information for the claim.
• Submit the requested documentation. After that, you’ll need to upload the information requested to substantiate your claim. This can include medical bills and forms, car rental information, and other official documentation that supports your claim.
• Wait to hear back. Once you supply all the information the benefit administrator requests, you’ll typically hear back on your claim within five business days. You may also need to submit more information or documentation at this time.

Chase Sapphire Preferred travel insurance and Chase Sapphire Reserve travel insurance can come in handy if you end up needing coverage while you’re out exploring the world.

Although the benefits they provide may not be as comprehensive as some standalone travel insurance plans, they’re included with your Chase Sapphire card membership (so it won’t cost you anything extra) and can help to give you added peace of mind when traveling.

The protections provided by Chase Sapphire travel insurance are just some of the perks that come with the Sapphire Preferred and Sapphire Reserve cards.

Is Chase Sapphire travel insurance worth it?

Credit card travel insurance can be worth it, but you’ll want to read over your specific policy details to see which coverage applies. You may also want to compare Chase travel insurance with a standalone policy side-by-side before relying on coverage from a credit card.

Do Chase Sapphire cards provide trip cancellation and interruption insurance?

Many Chase credit cards products offer trip cancellation and interruption insurance, including the Chase Freedom Unlimited®, Chase Freedom Flex, Ink Business Preferred® Credit Card , Chase Sapphire Preferred® and Chase Sapphire Reserve®. However, limits on this coverage vary by card.

How do I activate Chase Sapphire travel insurance?

To activate Chase travel insurance, you’ll apply for a new credit card that offers it. From there, coverage is complimentary after account opening when you use your card or Chase Ultimate Rewards® points (or a combination of the two) to pay for travel with a common carrier.

Does Chase travel insurance cover family members?

Some Chase travel insurance coverages can apply to a family member traveling with the primary card member. Make sure to read over your specific card benefit details so you know for sure.

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

If you cancel a trip that was paid for with Chase Ultimate Rewards® points, you may get your points back depending on the reason for the cancellation and the policies of your airline, hotel or other travel vendor. With Chase trip cancellation and trip interruption insurance specifically, Chase says you may be reimbursed for the cash value of your Ultimate Rewards points instead.

About the Author

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Why the Chase Sapphire Preferred is Best for All-Purpose Travel in 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

I’m a Texan, but I live in Colorado. Besides any planned vacations I take, I travel to the Lone Star State a few times a year to visit family and friends, which adds up to a lot of flying. I use multiple credit cards to help me cover the cost of these trips, but the stalwart Chase Sapphire Preferred® Card is easily the most important card in my wallet.

Compared with other cards in its class, this $95 -annual-fee card might not seem that flashy. It won’t help you skip the line at airport security or sip a cocktail in a lounge before your flight. But even though it won’t do much to make you feel fancy at the airport, its suite of perks can help you save significant money on trips and help you cover any mishaps you might encounter along the way.

Here’s why I cast my vote for the card as NerdWallet’s 2024 best credit card for all-purpose travel .

» SEE: Why this now-classic card still has staying power

Travel protections can be extremely valuable

First things first: if you’re a traveler, the Chase Sapphire Preferred® Card could be worth getting just for the travel protections alone. You’ll get:

Primary rental car insurance.

Trip cancellation/interruption insurance.

Trip delay coverage.

Baggage delay coverage.

The card’s cancellation and delay coverage can come in handy if your flight is significantly delayed or the airline loses your luggage.

But the real star for me is primary rental car insurance. After a single wreck in a rental car caused my car insurance to spike for several years, I’m a big believer in having separate rental car coverage apart from my personal car insurance. But the cost of the protections rental car companies offer can add up quickly.

Meanwhile, the insurance you’ll get with the Chase Sapphire Preferred® Card is free and automatically covers your rental car, assuming you use the card to pay for the full amount and decline the rental company’s insurance. Say you rent a car with an insurance fee of $35 a day. It would take just three days to completely cover the cost of the Chase Sapphire Preferred® Card ’s annual fee.

» MORE: 10 credit cards with travel insurance

The Chase Sapphire Preferred® Card doesn’t charge foreign transaction fees, making it a good companion for international travel.

Solid rewards rates help me rack up points

Because I live a plane ride away from family, I like to keep a healthy stash of credit card rewards on hand. And the Chase Sapphire Preferred® Card gives me multiple ways to top up my reward balance. It earns:

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

3 points per $1 spent on dining, select streaming services and online grocery purchases. 

2 points per $1 spent on all other travel.

1 point per $1 spent on other purchases.

Shop Through Chase

Besides these regular rewards, cardholders also have access to Shop Through Chase, a shopping portal that offers elevated rewards on certain online merchants. These points are stacked with rewards you’d already earn. For example, as of January 2024, Safeway.com earns 2 points per dollar through Shop Through Chase. Since online grocery purchases already earn 3 points per dollar, you’d earn a total of 5 points per dollar.

» MORE: Chase Ultimate Rewards®: How the program works

Cardholders also receive a 10% point bonus each cardholder anniversary. So if you spent $10,000 per year, you’d earn an additional 1,000 points.

Combine rewards with other Chase cards

If you prefer to keep only one card in your wallet, the Chase Sapphire Preferred® Card is a great one-and-done option. But you can also combine your rewards with those from other cards that earn Chase Ultimate Rewards®.

I pair my Chase Sapphire Preferred® Card with the Chase Freedom Flex® , which earns 5% back on rotating categories (on up to $1,500 each quarter). I usually earn more rewards on my Flex than my Preferred, so this option allows me to maximize my earnings while still taking advantage of the Preferred’s superior redemption options.

» MORE: What is the ‘Chase Trifecta’?

How redeeming points helped me celebrate the World Series

Growing up, I spent my summers watching Texas Rangers games with my family. When we weren’t at the game, we watched it on TV or listened on the radio. Now that I'm living out of state, I usually listen to the radio broadcast alone in my Colorado apartment. But when the Rangers clinched a 2023 playoff spot, I knew if they made it to the World Series I needed to at least watch with my family if I couldn't make it to the games.

I already had a planned trip to Texas for a wedding the week after the World Series. But, call it baseball superstition or maybe heartbreak from loving a team that hadn’t ever won a championship, I couldn’t bring myself to move my flight up until I knew my team was headed to the Fall Classic.

But last-minute ticket prices are not so great for my wallet. Thankfully, I was able to redeem Chase Ultimate Rewards® points, not only to be in Texas during the World Series, but also to take a trip to Florida with my sister a few weeks earlier to watch our team play in the Wild Card round.

Transferring my points helped me get outsize value

My favorite way to redeem rewards is to transfer them to one of Chase’s travel partners , which includes multiple airline and hotel loyalty programs. Rewards transfer at a 1:1 ratio, and smart redemptions can often give you more value for your points.

You can transfer Chase Ultimate Rewards® to a number of U.S.-based airlines, including United, JetBlue and Southwest, plus a number of U.S.-based hotels. But I normally get the most value out of the issuers’ international airlines — even for domestic travel. My usual go-to's are British Airways and Air Canada , because you can often use rewards to book flights for fewer miles on alliance partners American Airlines and United Airlines, respectively.

Aer Lingus (1:1 ratio).

Air Canada (1:1 ratio).

Air France-KLM (1:1 ratio).

British Airways (1:1 ratio).

Emirates (1:1 ratio).

Iberia (1:1 ratio).

JetBlue (1:1 ratio).

Singapore (1:1 ratio).

Southwest (1:1 ratio).

United (1:1 ratio).

Virgin Atlantic (1:1 ratio).

Hyatt (1:1 ratio).

InterContinental Hotels Group (1:1 ratio).

Marriott (1:1 ratio).

It’s these transfers that helped my sister and me book multiple last-minute flights to watch the Rangers play. Between our trip to Florida and my additional flight to Texas, we took a total of five last-minute flights within a month. We were able to snag great redemption rates by transferring Chase points on three of them:

My sister’s flight from Tampa to Dallas: 9,000 British Airways Avios rewards.

My flight from Tampa to Denver: 12,500 Air Canada Aeroplan miles.

My flight from Denver to Dallas: 10,000 Air Canada Aeroplan miles.

For reference: Booking last-minute flights with miles on United would generally cost me around 15,000 miles one-way. (Note that each airline's program charges varying taxes and fees in addition to the required miles.)

Scoring great deals by transferring points isn't always a guarantee. My Chase Sapphire Preferred® Card couldn't, for instance, conjure up an affordable flight to Phoenix that would have let me watch my team win the World Series in person. But it did help me make it home in time to catch the Rangers' victory from the couch with my family and pizza, without blowing my budget.

» MORE: The guide to Chase transfer partners

on Chase's website

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

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

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Chase Travel®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

7 Chase Sapphire Preferred benefits you might not know about

Editor's Note

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

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

Complimentary DashPass

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

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

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

Related: 15 food delivery promo codes and offers to help you save money on your next meal

Trip cancellation/trip interruption insurance

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

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

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

Related: Your guide to Chase's trip insurance coverage

Baggage delay Insurance

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

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

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

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

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

Trip delay reimbursement

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

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

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

Primary car rental insurance

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

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

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

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

Related: Best credit cards for rental car coverage

Purchase protection

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

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

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

Related: The best credit cards for price protection

Extended warranty protection

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

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

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

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

Related: Best credit cards for extended warranties

Bottom line

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

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

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

Chase Sapphire rental car insurance: What it covers and how to file a claim

W hether planning a cross-country road trip or just needing a car to move between your hotel to a nearby national park, rental cars are a common part of vacations. When it's time to pick up your car, the rental agency will offer a variety of options for coverage — for an additional fee, of course.

Did you know that using the right credit card to pay for your rental can invoke thousands of dollars in protection without any additional fees?

Related: The best credit cards for rental car insurance

While planning for emergencies is never fun, Chase Sapphire car rental insurance can cover things like theft, accidents or other damages to your rental car. This benefit is provided by two cards: the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card . While we tend to focus on earning points and redeeming them for memorable holidays, it's also important to understand how to protect your family in case something goes wrong on your next holiday.

Here's a closer look at the Chase Sapphire cards and their rental car insurance benefits that can provide peace of mind the next time you hit the road in a rental car.

Chase Sapphire Reserve rental car insurance

When paying for your rental car with the Sapphire Reserve , you can decline the rental company's collision damage waiver (sometimes abbreviated CDW or LDW) and still be covered for up to $75,000 of theft or collision damages to your rental car.

This benefit provides primary rental car insurance and also covers fees the rental car company may assess, such as loss-of-use charges, administrative fees, and even towing charges to get the car to a repair shop.

Related: 5 things to do once you get your Chase Sapphire Reserve

It's important to note that there are restrictions to this benefit. For instance, it doesn't provide other types of insurance, such as medical or liability protection, and it doesn't cover car rentals that last more than 31 days. However, it does cover additional drivers listed on the rental contract and works in most countries around the world.

Types of cars are not covered by this benefit; however, they include but are not limited to:

• Antique cars
• Cargo vans, trucks, vehicles with open cargo beds and vans with seating for more than nine people
• Motorcycles and mopeds

Coverage also doesn't apply to off-road driving or if you're doing anything illegal at the time damage occurs.

Related: Chase Sapphire Reserve credit card review

For more details, you can consult the full benefits guide here .

Chase Sapphire Preferred rental car insurance

Unlike coverage on the Sapphire Reserve, the benefits guide for the Sapphire Preferred does not list a specific dollar amount for maximum coverage. Instead, it says that coverage is provided "up to the actual cash value of most rented cars."

This benefit provides primary rental car coverage against theft, damage and fees charged by the rental car agency and is available when you pay for your rental with this card and then waive the damage coverage offered by the rental agency.

Related: Who should (and shouldn't) get the Chase Sapphire Preferred?

This coverage is subject to the same limitations as that offered by the Sapphire Reserve (mentioned above), including vehicle types, not providing other insurance types and only covering rentals of 31 days or less.

Related: Chase Sapphire Preferred credit card review

How to get Chase rental car insurance coverage

To be covered by Chase Sapphire car rental insurance, you must pay for the rental car with your card (or with points from your card, if booking through Chase Travel℠ ) and then decline the rental car company's damage protection benefit when you pick up your rental car. If you choose to add damage protection from the rental car company, your credit card's damage protection benefits (LDW or CDW) will not go into effect.

It's worth noting that you still can add other protection benefits to your rental — such as liability insurance, roadside dispatch or other benefits offered by the rental car company — without losing the rental car damage protections from your Chase Sapphire card. Additionally, as always, you still should inspect your car before leaving the rental lot and when returning the car — including taking a video of the car's condition and noting any existing damages.

Related: The 1-minute video you should take every time you rent a car

How to file a claim

If you have an accident or your rental car is stolen, you should first notify the rental car agency and the police. Your next steps will include filing a claim with your credit card's benefits administrator.

For Chase Sapphire rental car insurance, there are two important dates to know. First, you must file your initial claim within 100 days of the incident. Second, your claim form must be postmarked within 120 days of the incident, even if you are still gathering other documents. Alternatively, you can submit your claim form online at eclaimsline.com by the same 120-day deadline.

Related: Chase Sapphire Preferred vs. Chase Sapphire Reserve insurance benefits — Which is better?

You will need to submit the following documents:

• The accident report form
• Your rental agreement(s)
• A repair estimate and itemized repair bill
• Photographs of the vehicle damage
• The police report, if one was made
• A copy of the rental car agency's demand later stating the costs you are responsible for and any amounts paid on the claim so far
• Credit card billing statement showing the charges for the rental

Depending on your situation, your claim administrator may ask for additional documents. Thus, you should keep copies of everything related to your accident or vehicle theft until the claim is resolved.

Related: Chase Sapphire showdown: Sapphire Preferred vs. Sapphire Reserve

What is primary car rental coverage?

We've mentioned several times that Chase Sapphire rental car insurance provides primary coverage. But what does that mean?

Rental car companies typically offer additional insurance benefits for a fee, often referred to as a "Collision Damage Waiver" or CDW. Fortunately, many popular credit cards offer car rental coverage and thus allow you to decline this added fee but still enjoy protection on the car. However, the vast majority of these policies give you secondary coverage. As the name indicates, this would kick in on a secondary basis after other applicable insurance policies apply (namely your own personal car insurance) in the event of damage or loss to your rental car.

Primary coverage is the opposite. It kicks in first in case of a covered incident, like an accident or theft. This prevents you from needing to submit the claim to your personal insurance company — which may cause your rates to go up.

Bear in mind that this benefit only provides coverage for the car; it doesn't include liability insurance for damage you cause to property, nor will it cover injuries to you or others involved in an accident.

Bottom Line

Travel rewards credit cards can provide many benefits, such as helping you book first-class flights or luxury hotels using points . However, travel credit cards also provide less flashy benefits that can protect your trips during delays or when you have problems with a rental car. The Chase Sapphire Preferred car rental insurance can cover the cost of your vehicle. At the same time, the Chase Sapphire Reserve provides top-notch coverage for rental cars.

Paying for your next rental car with either of these cards can provide peace of mind and can save you and your loved ones tens of thousands of dollars should you experience problems during your vacation.

Apply here: Chase Sapphire Preferred

Apply here: Chase Sapphire Reserve

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.