What does Chase Sapphire Reserve roadside assistance help you with?

Chase Sapphire Reserve is worth its $550 annual fee for frequent travelers who spend at least $4,000 in the first 3 months and qualify for the card’s initial bonus of 50,000 points.

Travelers will get a lot of value out of Chase Sapphire Reserve because it comes with a $300 annual travel credit. This card also offers a total of 10 points per $1 spent on hotels and car rentals booked through Chase, a total of 10 points per $1 spent on prepaid restaurant reservations or takeout orders made through Chase, a total of 5 points per $1 spent on flights purchased through Chase, 3 points per $1 spent on all other travel and dining purchases, and 1 point per $1 on all other purchases. There are several types of travel insurance, too, including a $1 million benefit for serious injury or death, plus a Priority Pass Select airport lounge membership that would usually cost $429 a year.… read full answer

But all those features are only worth it if you travel frequently and have the excellent credit needed to get approved for Chase Sapphire Reserve. And after the first year, you’ll have to spend enough – or utilize enough of the card’s perks – to make it worth owning. For example, if you make the most of the Priority Pass membership ($429 annual value), along with the $300 annual travel credit, you’d recoup the entire annual fee. That shouldn’t be hard for frequent travelers to do every year. And the more benefits you take advantage of, the less you need to spend to break even.

Finally, in order for Chase Sapphire Reserve to be worth it, it’s important to pay the bill in full each month. Otherwise, you’ll end up paying 15.99% - 22.99% (V) interest on the unpaid balance, which will decrease the overall value of the card’s perks and rewards.

More moderate spenders who still want a Chase travel card with a solid complement of travel-friendly features may prefer the Chase Sapphire Preferred® Card. It has an initial bonus of 60,000 points and gives 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. Points are worth just 1.25 cents each toward travel, compared to Chase Sapphire Reserve’s 1.5, but Chase Sapphire Preferred® Card’s annual fee is only $95.

The Chase Sapphire Reserve car rental benefits include $75,000 in rental car insurance plus free upgrades and discounts from National Car Rental, Avis, and Silvercar. Chase Sapphire Reserve also gives 10 points / $1 spent on car rentals and other travel-related purchases. It is one of the best credit cards for car rentals as a result.… read full answer

Here are Chase Sapphire Reserve car rental benefits:

• Rental car insurance. You get complimentary coverage for damage to or theft of rental cars. Chase will pay up to $75,000 per incident. To get this benefit, just pay for the entire rental with your Chase Sapphire Reserve card or Chase Ultimate Rewards points, and then decline the rental agency’s insurance.

  Beware of restrictions, though. For example, coverage doesn’t apply to antique vehicles, trucks or motorcycles. And you won’t be reimbursed for off-road or drunk driving, among other illegal situations. Be sure to read your benefits guide for the full details.

• Special deals at agencies. National Car Rental, Avis, and Silvercar all offer special privileges to customers who rent using a 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.
• 10 points / $1. These points are worth 1.5 cents each toward travel when you redeem through Chase Ultimate Rewards.
• $300 travel credit. Chase reimburses your first $300 in travel costs per year, including money you spend at car rental agencies.

Altogether, the Chase Sapphire Reserve car rental benefits help you earn more points, save money with special deals and protect your finances with insurance. And they come at no extra cost.

But whether these benefits and the rest of Chase Sapphire Reserve’s perks are worth the card’s $550 annual fee is the real question. The much cheaper Chase Sapphire Preferred® Card has the same insurance coverage but only gives 5 points / $1 on travel and lacks a travel credit. It costs $95 per year.

Visa roadside assistance covers standard towing, tire changes, jumpstarts, locksmiths, fuel delivery, and winching for any Visa credit card or debit card customer. Visa Roadside Dispatch, as the program is officially known, costs $69.95 per service call. That amount must be charged to your Visa card. But there is no fee or registration required for access. And there’s no limit to how many times you can use this service. You simply call … read full answer(800) 847-2869 anytime you need Visa Roadside assistance, 24/7.

Visa roadside service coordinates your service request with local contractors. So, additional services may be available at a higher cost. For example, additional fees apply to tows over 5 miles and winching exceeding 100 ft.

Here is what Visa roadside assistance covers:

1. Jumpstarting – Battery boost
2. Standard Towing – Up to 5 miles included
3. Tire Changing – You must have usable, inflated spare
4. Lockout Service – No key replacement
5. Fuel Delivery – Up to 5 gallons, plus the cost of fuel
6. Standard Winching – On up to 100 ft. of paved or county-maintained road.

Visa Roadside Dispatch is not free but it may cost less than other local options. If you do not have the time to compare cost, you can at least rely on Visa roadside assistance being available 24/7.