What are the best Chase Sapphire Reserve card benefits?

Chase credit card purchase protection covers you for up to $50,000 annually for lost, damaged or stolen items purchased with an eligible Chase card. Claims must be filed within 120 days of the incident in order to be eligible. Protection covers the cardholder and the recipient of items purchased as gifts on an eligible Chase credit card.… read full answer

When you file a claim, Chase will either repair or replace the item, at the Benefit Administrator’s discretion. In some cases, you will be reimbursed for the purchase price of your item as reflected on your Chase credit card statement.

Here is how Chase credit card purchase protection works:

1. Call the Benefit Administrator at the phone number on the back of your Chase credit card, or the number mentioned on your guide to benefits. You can also file a claim online. You must contact the Benefit Administrator within 90 days of any loss, damage, or theft, or you will risk having your claim denied.
2. You will receive a claim form when you file. Fill out the form completely and provide any requested documentation within 120 days of the occurrence.
3. Required documents include the signed claim form, a copy of your Chase credit card statement to verify the item was purchased on your card. If applicable, you will also need to provide a fire or police report within 48 hours of the occurrence. If the item can be repaired, send a copy of either a repair estimate or paid receipt for repairs.
4. Gift recipients must provide all requested documents in order to substantiate the claim.
5. If the claim is for a damaged item, you may be asked to send it to the Benefit Administrator, at your expense.
6. You will be notified of the decision to repair or replace your item within 15 days of receipt of the required documentation.
7. If you’re reimbursed, you’ll be compensated for no more than the purchase price on your credit card statement, or your card’s per item coverage limit, whichever is less. You should receive your reimbursement within five business days of receipt and approval of all required documents.

Keep in mind that Chase credit cards covered under purchase protection have varying coverage limits per item. With Chase Freedom Flex℠, Chase Freedom Unlimited®, and the Chase Sapphire Preferred® Card, you’re covered up to $500 per item, up to the $50,000 annual limit. Others such as Chase Sapphire Reserve® and the co-branded United Club Infinite Credit Card will cover you up to $10,000 per item. Refer to your Chase credit card’s Guide to Benefit for your specific per item coverage limit.

It is also worth noting that not all items are covered by Chase Purchase Protection. Those include, but are not limited to, unsubstantiated lost items, motorized vehicles, antiques and collectibles, used items, and computer software. Refer to your Chase credit card’s Guide to Benefit for a complete list of non-covered items.

The Chase Sapphire Reserve Priority Pass membership gives cardholders and authorized users free memberships in the airport lounge program Priority Pass Select. Each cardholder and up to two guests get unlimited free access to over 1,300 airport lounges worldwide as a result. Additional guests cost $32 per visit. Priority Pass Select airport lounges offer free Wi-Fi, snacks and beverages. There’s also comfortable seating and other amenities that vary by lounge. The Chase Sapphire Reserve Priority Pass benefit is a $429 annual value. That’s what it would cost to buy a membership with unlimited free visits normally.… read full answer

This special benefit is only available on Chase Sapphire Reserve. You don’t get it on Chase Sapphire Preferred® Card or the discontinued original Chase Sapphire® Card. Keep in mind that the $429 value helps offset Chase Sapphire Reserve’s $550 annual fee.

In order to redeem your free Chase Sapphire Reserve Priority Pass membership and start enjoying the lounge benefits, you need to do a one-time “activation” to have your Priority Pass card sent to you. Don’t worry, this won’t cost you any money and it’s very easy to do.

How to activate Chase Sapphire Reserve Priority Pass:

1. Log in to your Chase online account.
2. Click on the tab that says “Chase Ultimate Rewards.”
3. Click on “Card Benefits.”
4. Find “Airport Lounge Access” and click “Activate Now” at the bottom.

Follow those steps, and you’ll get membership cards for you and any authorized users on your Chase Sapphire Reserve account within 2-3 weeks by mail. Once you have your Chase Sapphire Reserve Priority Pass membership card, you’ll need to show it and a same-day boarding pass to get into a Priority Pass lounge.

You may also be able to bring guests traveling with you. There’s no limit set by Priority Pass, but individual lounges have the right to make their own rules. Authorized users have their own memberships and aren’t considered guests. Keep in mind that only two of your guests are free – the rest cost $32 each.

Your Chase Sapphire Reserve Priority Pass membership gives you access to a widespread network. There are Priority Pass lounges all over the world, including at the most popular domestic and international airports.

Here are some popular Chase Sapphire Reserve Priority Pass lounges:

• Chicago IL O’Hare International Airport: Swissport Lounge
  Offers refreshments, TV, magazines and Wi-Fi. They may limit guests based on space constraints.
• Dallas/Fort Worth International Airport: The Club at DFWY
  ou have access to refreshments, alcohol, TV, Wi-Fi, fax and showers. There are no stated guest restrictions.
• Beijing Capital International Airport: Air China First & Business Class Lounge
  Offers refreshments, alcohol, internet access, TV, newspapers and telephones. They may limit guests based on space constraints.
• Dubai International Airport: Marhaba Lounge
  Amenities include refreshments, alcohol, TV, magazines, Wi-Fi and flight information, telephone, fax, and shower. There are no stated guest restrictions.

So, as you can see, the Chase Sapphire Reserve Priority Pass benefit gives you a wide range of comforts all over the world. If you take full advantage of this perk, that’s an extra $429 in value you get out of your card every year.

No, you don’t get free checked bags with Chase Sapphire Reserve when flying. That benefit is more common with Chase’s co-branded airline cards, such as those partnered with United Airlines.

Here’s another way to get free checked bags with Chase Sapphire Reserve:

There is a way you can indirectly get free checked bags with the Chase Sapphire Reserve card. The card comes with … read full answeran annual $300 travel credit, which reimburses you for the cost of baggage fees and nearly any other travel-related purchases.

Travel credits are applied to your account the same day qualifying purchases post, and credits should appear on your monthly statement within 1-2 billing periods.