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Updated September 19, 2018

Chase Sapphire Reserve Benefits

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Chase Sapphire Reserve is a premium travel credit card with a staggering $450 annual fee. Read this article to decide if the benefits are worth it.

Chase Sapphire Reserve
Apply for Chase Sapphire Reserve
Sapphire Reserve is the luxury big sister of the Sapphire Preferred. The card has been popular since its release in August 2016. It competes with the American Express Platinum (a CreditDonkey partner) and the Citi Prestige.

Chase Sapphire Reserve offers a long roster of perks and benefits that help to justify its high annual fee. Here's a quick overview of some of the card's most appealing perks.

Chase Sapphire Reserve Overview

  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Named a 'Best Travel Credit Card for 2017' by MONEY® Magazine
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®

Is this top-tier travel credit card right for you? Read on for an in-depth breakdown of its benefits.

Tip: You can maximize the value of your points by transferring them to Chase's hotel and airline partners.

Airline partners include British Airways Avios, Air France Flying Blue, Singapore Krisflyer, United MileagePlus Miles, Southwest Rapid Rewards, JetBlue TrueBlue, and Virgin Atlantic Flying Club. If you want to transfer points to a hotel loyalty program, you can choose between World of Hyatt, IHG Rewards Club, Marriott Rewards, and Ritz-Carlton Rewards.

Read: Best Ways to Redeem Chase Ultimate Rewards

Travel Perks and Privileges

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  • $300 annual travel credits. This yearly $300 travel credit goes a long way to balance out the annual fee. Travel credits are automatically credited to your statement against travel related purchases. This includes flights, trains, taxis, hotels, parking, and tolls, to name a few. Credit renews each cardmember year.

    Did you know: Chase Sapphire Reserve has no foreign transaction fee.

  • $100 credit for Global Entry or TSA Pre. Every 4 years, you'll receive $100 application fee credit toward TSA Pre or Global Entry. TSA Pre gives you expedited security screening, while Global Entry grants you expedited customs. Between the two, we recommend Global Entry as it includes TSA Pre. Both are 5-year memberships.

    Tip: If you don't plan to use your Global Entry or TSA Pre credit, you can "gift" it to a friend. The credit is for one application fee. It doesn't matter whose name is on the application. Just access the perk through your Reserve account in the Ultimate Rewards portal.

    I decided to apply for Global Entry because either that or the TSA PreCheck application fee was covered by my [Chase Sapphire Reserve] credit card. I do think the Global Entry is worth it if you know you are going to travel by plane at least a handful of times each year.

    Steven Kreimendahl, Travel to Bank

  • Priority Pass Membership. This is another perk frequent flyers love. The Priority Pass membership gives you access to over 1,000 airport lounges worldwide. You can even bring in 2 guests at no extra charge. Generally, lounges provide complimentary food, beverages, Wi-Fi, and workspaces.

    Tip: Enrollment isn't automatic - you'll have to activate membership once you open your account.

Chase Sapphire Reserve Travel Benefits

Hotel Benefits

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  • The Luxury Hotel & Resort Collection. Get perks when you book an eligible stay with the Chase's Luxury Hotel & Resort Collection. Enjoy perks like complimentary breakfast, early check-in, late check-out, room upgrades, discounts, and extra gifts and amenities. Varies by property.

  • Accelerated access to Elite Status with Relais & Châteaux. This won't be for everyone, but it's a nice bonus perk if you enjoy splashing out on luxury villas and boutique hotels.

    Relais & Châteaux offers luxury properties around the world. They have properties throughout the U.S., South America, Europe, and Africa. When you book 2 nights (over the course of 12 months) with Relais & Châteaux, you'll be eligible for Club 5C status. This gives you perks like free room upgrades, VIP welcomes, special events, and exclusive offers. You'll need to book your stay with your Reserve card through Visa Infinite Concierge.

Concierge Services

  • 24/7 Customer Service. You'll have 24/7 access to customer service. Just call the number on the back of your card.

  • Visa Infinite Concierge services. Don't have time to hunt down Broadway tickets or dinner reservations? This service can help with that. Use them for requests like making reservations or buying event tickets.

  • Worldwide Travel Assistance. If you need to book or modify travel plans through Chase Ultimate Rewards, the Chase Travel Team is there to help you through that process.

Chase Sapphire Reserve Concierge Benefits

Travel Insurance and Protections

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As a top-tier travel credit card, the Reserve offers many travel protections. These protect you from travel snafus such as lost baggage and delayed flights. These apply to travel with "common carriers" like airlines, buses, cruises, and trains booked with your Reserve card.

  • Trip Cancellation and Interruption. You can be reimbursed up to $10,000 if your trip is cancelled or interrupted by sickness, extreme weather, or other eligible covered circumstances. This applies for pre-paid and non-refundable travel expenses, like airfare, hotels, and tours.

    Tip: If the airline cancels your flight, you shouldn't have any problem getting them to refund your ticket. But if your flight is delayed and you end up having to cancel prepaid plans, you're likely on your own. Booking on your Reserve card will cover that scenario.

  • Trip Delay Reimbursement. If your common carrier is delayed for more than 6 hours or overnight, you can be reimbursed up to $500 per ticket for your added expenses, such as lodging, meals, and toiletries.

  • Baggage Delay Insurance. If your baggage is delayed for over 6 hours after you arrive, you can be reimbursed up to $100/day for 5 days for essentials, such as toiletries and clothes.

  • Lost Luggage Reimbursement. You can be reimbursed for carry-on or checked luggage that is damaged or lost by your carrier. You can get up to $3,000 per person (up to $500 per person for jewelry, watches, and electronics). This applies to stolen luggage as well as to your family's luggage, even if you aren't traveling with them.

    Tip: Don't forget to document your expenses! The claims process is an arduous one. You can expect to face some pushback no matter what insurance policy you're trying to cash in on. Be sure to get documentation from the airline that your baggage has been lost or delayed. Also, keep the receipts for the essentials you buy.

  • Travel and Emergency Assistance. Your Reserve card gives you access to a Benefit Administrator. If you ever need emergency help on a trip, Chase will provide assistance for free. The services include:

    • Referring you to English-speaking doctors or hospitals
    • Referring you to English-speaking attorneys or U.S. embassies or consulates
    • Arranging for emergency transportation home or to a hospital
    • Transporting vital documents you may have left at home
    • Arranging for delivery of a replacement ticket

    You will have to pay for the cost of any services. But the assistance and referrals are free of charge.

Chase Sapphire Reserve Travel Benefits

Did you know: Chase Sapphire Reserve offers 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel. Book airfare or hotel stays through Chase with your points with no blackout dates or travel restrictions.

Car and Car Rental Benefits

  • Roadside Assistance. You can get emergency roadside assistance up to $50 per incident, 4 times per year. Services include towing, jumpstarting, tire change, locksmith services, and gas fill-ups.

  • Collision and Damage Waiver for Rental Cars. The Reserve offers primary - not secondary - collision and damage insurance when you pay the entire car rental fee in full. This means you can decline the rental company's collision and damage insurance.

    You are covered up to $75,000 reimbursement for theft and collision in the U.S. and abroad. Note: exceptions include vintage or luxury rentals and motorcycles.

    Most credit card coverage is secondary, meaning they'll only cover what your primary insurance company doesn't, like your deductible. A credit card with primary coverage can help you avoid a claim on your auto insurance policy.

    Chris Luth, Director of Operations, AutoSlash.com

  • Car rental privileges. You get special discounts with National Car Rental, Avis, and Silvercar. Enroll through your account to receive promotions, discounts, and upgrades on car rentals.

Travel Medical Benefits

  • Emergency Medical and Dental Services. If you're over 100 miles from home and become sick or injured, you can be reimbursed up to $2,500 for medical expenses. This also applies for your immediate family members.

  • Emergency Evacuation and Transportation. If you or your immediate family become sick on a trip and require emergency evacuation, you can be covered up to $100,000.

  • Travel Accident Insurance. For the worst of all worst-case scenarios: you'll receive coverage for up to $1,000,000 in the case of accidental death or dismemberment.

Purchase Protections

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  • Purchase Protection. Eligible new purchases are covered against damage and theft for the first 120 days after purchase. You are covered up to $10,000 per claim and $50,000 per year. If the item was stolen, you must file a police report within 48 hours of the theft. If the item is damaged, the Benefit Administrator will decide if it will be repaired, replaced, or reimbursed.

  • Extended Warranty Protection. For eligible purchases with a U.S. warranty of 3 years or less, this protection will extend that warranty by 1 year. You get coverage of up to $10,000 per claim, with a maximum $50,000 per account.

  • Return Protection. This applies to purchases that you can't return to the store. If a store won't accept your return, your Reserve will have you covered. You can be reimbursed up to $500 for each eligible item, for a maximum of $1,000 per year. The item must have been purchased within 90 days and be in like-new/good working condition.

    Tip: Another card may give you more points for certain purchases, while the Reserve only gives you 1x. But charging them to your Reserve card might actually end up saving you more money in the case of an accident. Compare the cards' purchase protections to make your choice.

Chase Sapphire Reserve Purchase Protection Benefits

Other Benefits

  • VIP Event Access: Get exclusive access to special VIP events such as private dinners with famous chefs, sporting tickets, and musical performances.

    Some past events included VIP tickets to the PGA golf tournament, special experiences at the Sundance Festival, and pre-show reception for the Radio City Christmas Spectacular. Experiences can be booked with cash or using your points.

How to Make the Most of the Card

Here are ways to maximize your rewards on your Reserve:

  • Pair with another Chase Ultimate Rewards card for maximum points.
    Chase Freedom offers 5% bonus categories that change every quarter. So you can use it on 5% category purchases, and the Reserve for travel and dining. Sometimes, the 5% categories include restaurants, so that gives you more rewards than with the Reserve. Or you can pair with the Chase Freedom Unlimited, which gives you 1.5% back on everything.

    These strategies will allow you to get the most points possible. You can then combine your points unto your Reserve card, and use them for higher value.

  • Shop through Chase for bonus points.
    Chase has a great online shopping portal where you can earn bonus points at over 200 partner merchants. This will allow you to earn extra points on your shopping too. Remember to check if your store is listed when you buy something online.

  • Use the Chase travel portal for cheap Economy flights
    Your points are worth 50% more value on the Chase travel portal. Sometimes, this is even better than transferring points to an airline, especially if it's a low-priced economy flight.

    For example, let's say there's a round-trip flight from Los Angeles to London during low season for just $500. With the Sapphire Reserve points discount, this would only cost 33,334 points. That is way better than transferring to United, where a round-trip to Europe would cost 60,000 miles.

    So it's always smart to check the portal too when booking a flight. Plus, since the portal converts a cash price into points, there are no award fees.

  • Add an authorized user for $75
    If you have a loved one who travels often, adding him/her as an authorized user for $75/year is very well worth it. Authorized users get their own Priority Pass Select membership. They get unlimited lounge access and can bring in 2 guests of their own for no extra charge. This benefit is worth over $400, and to get it for only $75 is amazing.

Bottom Line

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In our opinion, the Reserve's flexible annual travel credits and long list of perks and benefits make it competitive with other premium travel credit cards. For very frequent travelers, the Reserve offers great value - especially for Sapphire Preferred users.

For more info on how the Reserve justifies that $450 annual fee, head over to our full review. Or, if you've already applied, start looking into your next steps for taking full advantage of the card's perks and benefits.

Next Step: View the issuer's official application, terms, and details

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on October 1, 2017. This content may have been updated on September 19, 2018. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Chase website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom and Citi Prestige® Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Chase Sapphire Benefits


Chase Sapphire Reserve Review


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Chase Sapphire Reserve
Apply for Chase Sapphire Reserve
At Chase's Secure Site
  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Named a 'Best Travel Credit Card for 2017' by MONEY® Magazine
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.74% - 24.74% Variable
$450

Compare Chase Sapphire Reserve to:

Compare Chase Sapphire Reserve vs Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Compare Chase Sapphire Reserve vs American Express Platinum

The Platinum Card® from American Express

Compare Chase Sapphire Reserve vs American Express Gold Card

American Express® Gold Card


Chase Sapphire Preferred

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.
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