Chase Sapphire Reserve Benefits

Chase Sapphire Reserve® benefits include a big initial bonus, multiple types of travel insurance, purchase protection and airport lounge access. The card also has all the benefits that come standard with any credit card, like $0 liability for fraud and the ability to build credit.

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Chase Sapphire Reserve Rewards

Chase Sapphire Reserve offers a ton of rewards, starting you out with an initial bonus of 125,000 points for spending $6,000 in the first 3 months. That’s one of the biggest bonuses on the market.

Then, the card’s ongoing rewards are 8 points per $1 spent on purchases made through Chase Travel℠ (including The Edit℠), 4 points per $1 on direct bookings with airlines and hotels, 3 points per $1 on dining, and 1 point per $1 on all other purchases. But that’s not where the perks stop with the card’s rewards.

Other Rewards-Related Benefits

• There is no limit to the number of points you can earn, and points never expire as long as your account remains in good standing.
• You can transfer your points at a 1:1 ratio to various airline and hotel loyalty program partners, such as Marriott, Hyatt, JetBlue and Southwest.
• You can get anywhere from 1 to 15 bonus points per $1 spent when you use your card at more than 450 popular retailers through Shop With Chase.
• The Pay With Points feature allows you to use your points to make purchases from Amazon and Apple.
• There’s a referral bonus of 15,000 points per referral, with a limit of 100,000 points per year. To get this bonus, someone you refer to the card must apply and get approved.

Chase Sapphire Reserve Travel Benefits

Since Chase Sapphire Reserve is a travel rewards card, and an expensive, top-tier one at that, it naturally comes with a whole host of travel related benefits. They include:

Annual Travel Credit

Chase will reimburse the first $300 you spend on travel purchases every year. You won’t earn points on this $300, but since you’re getting 100% of it back, that’s a much better deal. Plus, that basically offsets a big chunk of the $795 annual fee by itself!

No Blackout Dates or Seat Restrictions

If you book using your card or points through Chase Travel, you won’t encounter any restrictions.

No Foreign Transaction Fee

It won’t cost you extra to use your Chase Sapphire Reserve abroad or when buying things from foreign merchants.

Roadside Assistance

If you have car trouble, your card covers you for the following things:

• Towing
• Battery assistance
• Change of tires
• Locksmith
• Gas delivery
• Standard winching

Worldwide Travel Assistance

This 24/7 Chase line can help you with booking travel, modifying reservations, or getting referrals for things like medical or legal services while you’re traveling. However, you will be responsible for the cost of any goods or services purchased.

Chase Sapphire Reserve Travel Insurance Benefits

Chase Sapphire Reserve is one of the best credit cards for travel insurance benefits, according to WalletHub’s Travel Insurance Study. It offers a wide variety of coverage, with high limits.

Trip Cancellation and Interruption Insurance

If something out of your control, like sickness or severe weather, causes your trip to be canceled or cut short, you can get reimbursed up to $10,000 per traveler and $20,000 per trip. You must pay for your trip with your card to get the coverage, which applies to pre-paid, nonrefundable travel expenses.

Trip Delay Reimbursement

If your trip gets delayed for more than six hours by the travel provider, or if the delay forces you to book an overnight stay, you can get reimbursed up to $500 per traveler per trip to cover expenses you wouldn’t have otherwise incurred, like food and lodging.

Travel Accident Insurance

This is the most valuable insurance benefit that Chase Sapphire Reserve offers. If you book a trip with your card, you are covered up to $1,000,000 for accidental death or dismemberment caused by the travel provider. The exact coverage amount will depend on the nature of the injury or death.

Baggage Delay Insurance

If your baggage is delayed for six hours or more, you can get reimbursed up to $100 per day, for a maximum of five days. In other words, if your bag unfortunately gets lost, you can’t claim insurance forever, only for the first five days. This reimbursement is meant to cover essential purchases you’re forced to make without your luggage, like clothing and toiletries.

Emergency Evacuation and Transportation

If you get sick or injured while traveling more than 100 miles away from home, you can receive up to $100,000 in coverage for emergency transportation back home. That includes any necessary medical treatment on the way.

Emergency Medical and Dental Coverage

This benefit covers up to $2,500 per traveler per trip for emergency medical or dental treatment away from home. It also provides up to $75 per day for up to five days to reimburse hotel expenses. You will have to pay a $50 deductible to use this coverage.

Auto Rental Coverage

When you rent a car using this card, you receive up to $75,000 in collision damage and theft coverage for most rental vehicles in the U.S. and abroad. To receive this coverage, you must decline any insurance offered by the rental company. Certain types of vehicles aren’t covered.

Chase Sapphire Reserve is the best credit card on the market for this benefit, according to WalletHub’s Rental Car Insurance Study.

For full coverage details, you can refer to the Guide to Benefits provided after account opening, or call the number on the back of your card for assistance.

Chase Sapphire Reserve Airport Benefits

Airport Lounge Access

Chase Sapphire Reserve cardholders get access to an abundance of different airport lounges, including:

• Priority Pass: As a cardholder, you get a free Priority Pass Select membership, which gives you access to more than 1,300 lounges in more than 600 cities worldwide (one-time enrollment required).
• Sapphire Lounge by The Club: These are lounges exclusively for people who own Chase Sapphire Reserve or a few other high-tier Chase cards. They provide free drinks and food, along with other amenities that vary by location.
• The Reserve Suites by Chase: This luxury lounge is not free and requires booking up to 72 hours before your flight, but it’s only available to Chase Sapphire Reserve cardholders. It features fancy benefits like caviar service, exclusive food and wine lists, private bathrooms, spa showers and more.
• Air Canada: You can get free access to select Air Canada Maple Leaf Lounges and Air Canada Cafés, with locations in the U.S., Canada and Europe.

Global Entry or TSA PreCheck or NEXUS Credit

You can receive up to a $120 statement credit every four years when you pay the application fee for one of these three airport services, which expedite your way through security. You can only receive the credit for one of them per four years, so if you plan to use more than one, use your card to pay for the most expensive one first.

Chase Sapphire Reserve Hotel Benefits

Chase offers a wide range of special hotel perks when you book at select locations.

• The Edit by Chase Travel: If you book from this list of hotels, exclusive to Chase Sapphire Reserve cardholders, you get a complimentary daily breakfast for two, a $100 credit to use at the property, a free room upgrade if available and more.
• Relais & Châteaux: When booking at these luxury properties in over 60 countries, you receive special benefits like a complimentary daily breakfast, room upgrades based on availability and a “VIP welcome.”

Chase Sapphire Reserve Dining Benefits

Private Dining Series

Your card allows you to book exclusive private dinners at “some of the most sought-after restaurants in the country.” For example, this might include getting a meal prepared by a Michelin-starred chef.

DoorDash & Caviar Benefits

You get a free one-year DashPass membership with both DoorDash and its subsidiary Caviar. This gives you $0 delivery fees and lowers your service fees on eligible orders. As a DashPass member, you’ll also get an automatic $5 monthly credit to your DoorDash account, along with up to $10 off two orders per month in credits for non-restaurant DoorDash orders. To get this benefit, you’ll need to activate it before December 31, 2027.

Chase Sapphire Reserve Protection Benefits

Purchase Protection

When you buy things with your card, you’re covered against damage and theft to those items.

This benefit covers your new purchases for 120 days against damage or theft up to $10,000 per item and $50,000 per year.

Many types of items aren’t covered, like animals and plants, antiques, motor vehicles, computer software, and more. But that’s standard for purchase protection.

Chase Sapphire Reserve is the best credit card on the market for purchase protection, according to WalletHub’s Purchase Protection Study.

Return Protection

When a merchant won’t accept a return for a like-new, working item that you purchased with your card, you can get reimbursed up to $500 per item and $1,000 per 12-month period. This benefit is valid for returns you tried to make within 90 days of the date of purchase.

Several types of items, like medical equipment, jewelry, formal attire, vehicles and more, are not covered. Nevertheless, Chase Sapphire Reserve is the best credit card on the market for return protection.

Extended Warranty Protection

When you buy something with your card, this benefit extends the time period of the manufacturer's U.S. warranty by up to one year, on eligible warranties of three years or less (up to four years from the date of purchase). The coverage amount is up to $10,000 per item and $50,000 per account.

As with all purchase-related benefits, certain types of purchases are not eligible for coverage.

Chase Sapphire Reserve ties for the 12th-best credit card in WalletHub’s Extended Warranty Study.

Fraud Protection and Fraud Alerts

Chase monitors your account to detect and stop fraudulent purchases, and it will notify you when any unusual charges appear on your card.

For full coverage details, you can refer to the Guide to Benefits provided after account opening, or call the number on the back of your card for assistance.

Chase Sapphire Reserve Event Benefits

Reserved by Sapphire

You get access to experiences exclusive to Chase Sapphire Reserve cardholders. Naturally, you do have to pay for these events.

Early-Access Tickets

Your card allows you to get presale tickets to concerts, sporting events or other things before they go on sale to the general public.

Priority Seating

There are seats at major events that can only be booked by Chase cardholders, which Chase describes as “some of the best seats in the house.”

Chase Sapphire Reserve Visa Benefits

Visa Infinite Concierge

Since Chase Sapphire Reserve is a Visa Infinite card, you get access to a 24/7 concierge. The concierge can do things like:

• Book travel
• Make restaurant reservations
• Get event tickets when they go on sale
• Gifts and floral arrangement delivery
• Help with your own unique requests

Other Visa Infinite Benefits

Visa Infinite cards come with a host of benefits provided by Visa (some of which are already listed in other sections of this article). You can learn more about these perks in detail with WalletHub’s full Visa Infinite Benefits Guide.

Other Chase Sapphire Reserve Benefits

$0 Fraud Liability

As with all major credit cards, you won’t be held liable for any fraudulent purchases that you report or that Chase catches.

Credit Building

Using your Chase Sapphire Reserve card responsibly will help you build your credit score. Remember to always pay on time (and in full if possible), and strive to keep your credit utilization below 30%.

Metal Card

Chase Sapphire Reserve is made out of metal, giving it an extra level of prestige.

Tap to Pay

Chase Sapphire Reserve supports tap to pay technology, which is much more secure than inserting your card into a card reader.

Paperless Billing

Chase allows you to avoid receiving bills in the mail each month, and you can access up to seven years of past statements online.

You can learn even more about Chase Sapphire Reserve through WalletHub’s in-depth editor’s review.

Ask the Experts

To find additional perspectives on Chase Sapphire Reserve’s benefits package and how consumers should approach such premium card perks, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below. Just click “Read More” under an expert’s name and title to check out their comments.

1. Do you think the Chase Sapphire Reserve card’s benefits are worth the price?
2. Do you have any advice for people trying to figure out whether a card like Chase Sapphire Reserve is right for them?
3. How valuable are discounts and benefits associated with specific types of purchases if you aren’t already making them (e.g. DoorDash and Lyft perks for people who don’t order delivery or use ridesharing often)?
4. What do you think is the most underrated benefit that Chase Sapphire Reserve offers?