What are the Chase Sapphire Reserve National Car Rental benefits?

To make the most of Chase Sapphire Reserve® rental car insurance, use the Sapphire Reserve card to pay every time you rent a car and decline the supplementary coverage offered by the rental company. Chase Sapphire Reserve offers rental car insurance as a free benefit, and cardholders are covered up to $75,000. Taking advantage of the rental car discounts available to Sapphire Reserve cardholders can also help you maximize your savings.... read full answer

Key Things to Know About Chase Sapphire Reserve Rental Car Insurance

• How to Use the Coverage. A cardholder must decline the rental agency’s insurance and pay for the rental entirely with a Chase Sapphire Reserve credit card.
• Coverage Amount. Up to $75,000.
• Covered Costs. Chase Sapphire Reserve rental car insurance covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable towing charges.
• How Long You’re Covered. The Chase Sapphire Reserve rental car insurance benefit covers domestic rentals up to 31 days.
• Coverage For Rental Vehicles in Another Country. Chase rental car insurance covers eligible cardholders for 31 days when renting vehicles in another country.
• Coverage Exclusions. The Chase Sapphire Reserve rental car insurance benefit does not cover antique cars, cargo vans, vehicles with open cargo beds, trucks, and others. Coverage also does not apply to certain incidents such as damage to any other driver’s car, the injury of anyone, or damage to anything is not covered.
• Chase Rental Car Insurance Claims. To file a Chase Sapphire Reserve rental car insurance claim, call the Benefit Administrator at 1-888-675-1461 or visit the card’s benefits website to obtain a claim form. You will need to submit the claim form, along with any requested supporting documents – such as a copy of the accident report, a copy of the auto rental agreement, a copy of the repair estimate or bill, and photographs of the damaged vehicle – no later than 120 days after the incident. You should receive payment from the Benefits Administrator within 15 days after receipt of all documents and the validation of your claim.

Chase Sapphire Reserve Car Rental Discounts

National Car Rental, Avis, and Silvercar all offer special privileges to customers who rent using Chase Sapphire Reserve. Log in to your Chase Ultimate Rewards account, then click the “Travel Benefits” page and find the “Special Car Rental Privileges” section. You might get free car upgrades, discounts on rentals and other promotional offers.

The only surefire way to get the $550 Chase Sapphire Reserve annual fee waived is if you’re an active servicemember and you check that box on the application. As long as Chase can confirm your active duty status, they won’t charge you any fees. Otherwise, your odds of getting a Chase Sapphire Reserve annual fee waiver are next to none. ... read full answerChase Sapphire Preferred Card also has a $95 annual fee. But it’s not like Chase will penalize you for asking for a fee waiver, so why not give it a shot?

There are a few details you should be aware of before calling and asking for a fee waiver, though. And in the likely event that you don’t get one, you’ll need to know what perks are available to determine whether Sapphire Reserve is worth it.

Here’s what you should know about Chase Sapphire Reserve annual fee waivers:

• If you’re in the armed forces full-time, you’re eligible to have all Sapphire Reserve fees waived, except for the returned check fee. You can get this benefit by indicating your service on the application (there’s a box to check off) or by calling Chase customer service at 1-800-432-3117. Chase will have to verify your status.
• If you want to try for a fee waiver or reduction, you can call the number on the back of your card or the general Chase customer service line: 1-800-432-3117.
• According to people who’ve had luck with fee waivers on other credit cards, having a high income and spending a lot can help. Since the issuer is already making a lot of money from the fees it charges merchants when you make purchases, the thinking goes, they might be more willing to give you a break.
• The Chase Sapphire Reserve initial bonus is worth $900 in travel through Chase, which covers more than a year and a half of annual fees. And if you’re a frequent traveler, you should always get more than $450 in value per year, between the $300 annual travel credit, free airport lounge access, 3 points per $1 spent on travel and more benefits.

While it’s unlikely that you’ll get the Chase Sapphire Reserve annual fee waived, you might as well try. The worst that can happen is Chase will say “no.” But if you do have to pay $550 every year, just make sure you take advantage of the card’s huge list of benefits in order to get your money’s worth. That or get one of the many credit cards with no annual fee.

To add a Chase Sapphire Reserve authorized user, log in to your online account and click the “More options” tab, or call customer service at 1 (800) 432-3117. You will need to provide the person’s full name and date of birth to add them as an authorized user.

A primary cardholder can make anyone a Chase Sapphire Reserve authorized user.... read full answer

How to Add a Chase Sapphire Reserve Authorized User Online

1. Log in to your Chase Sapphire Reserve card account.
2. Click the “More options” tab.
3. Click “Add an authorized user" under the “Account Services" menu.
4. Enter the user’s full name and date of birth.
5. Click “Add authorized user.”

When you add a a Chase Sapphire Reserve authorized user, they will receive their own credit card, sent to your mailing address, within 7-10 business days of being added to the account. The authorized user’s credit card will be linked to your account and will have full access to the account’s credit limit. Chase authorized users are able to make purchases, earn rewards, and access account information. However, they cannot request credit limit increases, add authorized users, or close the account.

In addition, any purchases an authorized user makes on the account will appear on your statement, and as the primary cardholder, you are responsible for all purchases on the account. Chase reports account information to all three of the major credit bureaus, which affects not only the user’s credit history, but also the primary cardholder’s. Authorized users may be removed from an account at the user’s or primary cardholder’s request at any time, and for any reason.