The Chase Sapphire Reserve® (see rates and fees) is extensively thought of one of many best travel credit cards. It earns precious Chase Ultimate Rewards points and offers helpful statement credits that may elevate your journey and life-style.
Proper now, the Sapphire Reserve contains a stellar 150,000-point welcome bonus after spending $6,000 on purchases within the first three months from account opening. TPG’s Could 2026 valuations place this supply at a whopping $3,075 in worth.
Many of those perks, like Chase Sapphire airport lounge access, the annual versatile $300 travel credit and advantages with The Edit by Chase Travel℠, take the highlight. However do you know there are lots of under-the-radar perks that might repay in sure circumstances?
Let’s assessment seven lesser-known advantages that may prevent hundreds of {dollars} in the long term.
Roadside help
Whether or not you take a highway journey or in your every day commute, you by no means need to be caught in a foul scenario with automobile troubles.
Fortunately, when you have the Sapphire Reserve, you possibly can entry 24/7 roadside help within the U.S. and Canada. Name 1-800-350-1697 for providers, together with:
- Gas supply (in case you run out of fuel, you possibly can obtain a supply of as much as two gallons of gasoline)
- Bounce begin
- Lockout service
- Tire altering
- Towing
Roadside service is roofed for as much as $50 per occasion, as much as 4 occasions per 12 months.
TPG’s director of website content material technique, Carly Helfand, stated one in all her buddies swears by the profit. Her good friend as soon as needed to name for help to jump-start his automobile battery after his toddler turned on an inside mild within the again seat. He stated the profit has saved him a number of occasions in quite a few cities, and it is at all times offered fast service.
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Lodge elite standing
If you happen to aren’t an IHG loyalist, chances are you’ll neglect that the Sapphire Reserve offers a strong profit whenever you keep at IHG inns: Complimentary Platinum Elite status (by means of Dec. 31, 2027).
Platinum Elite standing offers helpful perks (when accessible), together with complimentary room upgrades, early check-in and a pair of p.m. late checkout.
For TPG senior product supervisor Andy Kuan, this perk really made a distinction on a household journey. He obtained a free room improve and was in a position to verify in early after a red-eye flight, which he stated was a “lifesaver” since he was touring together with his child.
Cardholders can even spend towards elite standing with different manufacturers, incomes World of Hyatt Explorist status and an improve to IHG Diamond after placing $75,000 on the cardboard in a calendar 12 months.
Associated: Which credit card should you use for IHG stays?
Journey delay reimbursement
If you happen to expertise a trip delay, the Sapphire Reserve could reimburse you for a lot of eligible bills, so long as your delay occurred resulting from a lined cause, together with tools failure, inclement climate or a strike.
In case your journey (whether or not by air, bus, cruise ship or prepare) is delayed by greater than six hours or requires an in a single day keep resulting from a lined cause, you are entitled to reimbursement so long as you bought your ticket along with your Sapphire Reserve.
The profit covers you and your loved ones members for as much as $500 per individual per journey, together with lodging and meals.
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Baggage delay and misplaced baggage insurance coverage
If you happen to’ve handled delayed or lost luggage, it is a large inconvenience. In case your baggage is delayed or misdirected for six or extra hours, the Sapphire Reserve can reimburse you for important gadgets.
Baggage delay insurance coverage covers you and your loved ones members for as much as $100 per day after the preliminary six-hour delay — and for every extra 24-hour interval thereafter — for a most of 5 days. Lined gadgets embody necessities wanted because of the delay, reminiscent of clothes, toiletries and digital machine chargers (restrict one per machine).
For bags delay insurance coverage protection, at the very least a portion of the price of your journey should have been charged to your card for the advantages to take impact.
Within the unlucky occasion of misplaced baggage, the cardboard covers as much as $3,000 per insured individual on eligible journeys. The reimbursement applies to each checked and carry-on baggage. There are some limitations on electronics, jewellery and watches, and exceptions for sure gadgets, together with money and paperwork.
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Journey cancellation/journey interruption insurance coverage
A canceled journey is a nightmare scenario for a lot of vacationers. Fortunately, the Sapphire Reserve comes with some protections that can assist you to stroll away with as little monetary harm as potential.
Trip cancellation insurance reimburses you in case you can’t journey on or earlier than the departure date and, because of this, it’s important to cancel your journey plans. In the meantime, journey interruption insurance coverage covers you in case your journey is reduce brief or postponed.
For each journey cancellation and journey interruption, the Sapphire Reserve covers you and fast relations for as much as $10,000 per individual and as much as $20,000 per journey.
Chase covers journey cancellations or interruptions brought on by issues like sickness or damage affecting you, your journey companion or an instantaneous member of the family; extreme climate; terrorism or hijacking; and unavoidable jury obligation or court docket subpoenas.
Nevertheless, it will not cowl points brought on by warfare, a journey firm going bankrupt, schedule modifications by a provider or tour operator (except resulting from extreme climate or a public transport strike), or journeys longer than 60 days.
You can begin a declare on-line at chasecardbenefits.com or by calling 1-800-350-1697 inside 20 days of the cancellation or interruption, and Chase recommends submitting as quickly as moderately potential.
I used Chase’s journey cancellation insurance coverage to recoup virtually $250 after I caught the flu over New Yr’s just a few years in the past. I had deliberate to remain at a resort in Charlotte and ring within the New Yr with my buddies, however after an emergency room go to simply days earlier, I needed to cancel my keep. After submitting the related paperwork, Chase refunded the price of the resort keep.
Associated: How my Chase Sapphire Preferred saved me nearly $250 on a canceled trip
Major automobile rental insurance coverage
Renting a car can embody many extra charges, so it is good to know you have got safety if something goes improper. The Sapphire Reserve offers a rental harm waiver that counts as main protection when touring each within the U.S. and overseas. This implies you needn’t report the incident to your private automobile insurance coverage supplier.
With the Sapphire Reserve’s rental harm waiver, in case your rental automobile is broken in a collision or you’re the sufferer of theft, you are eligible for as much as $75,000 in protection.
Protection exclusions embody sure automobiles — reminiscent of vintage automobiles, giant passenger vans, limousines, bikes and RVs — together with leases, theft or lack of private belongings, and leases longer than 31 days.
Each you and extra drivers included on the rental settlement are eligible for the protection, although you need to decline all supplemental insurance coverage supplied by the rental automobile firm to be eligible.
This profit might prevent lots of out-of-pocket money if you find yourself on this unlucky scenario with a rental automobile. TPG senior author Ben Smithson as soon as used bank card insurance coverage to be reimbursed for the full cost of a replacement tire whereas he was on a visit in Fiji.
It is advisable to go to chasecardbenefits.com or name by telephone at 1-800-350-1697 to report theft or harm (no matter who’s at fault) as quickly as moderately potential, however no later than 100 days from the date of the incident.
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Visa concierge advantages
The Sapphire Reserve is a Visa Infinite card, which implies you have got entry to a devoted concierge service.
These providers can be found 24/7, 12 months a 12 months for the next providers:
- Entry to unique occasions
- Eating preparations
- Procuring
- Journey preparations
As an example, you need to use the Visa Concierge to assist ebook tables at high-demand eating places, make journey preparations (reminiscent of resort stays or flights), hire automobiles and organize excursions and actions at fashionable sights.
You’ll be able to name 1-800-587-2700 or go to visadigitalconcierge.com to contact the service.
Associated: Visa Infinite: Everything you need to know, from rental car perks to lounge access
The best way to entry the Sapphire Reserve’s advantages information
If you wish to dive into these cardholder advantages your self, log into your Chase account and obtain probably the most up-to-date advantages information. Observe that these guides are up to date occasionally, so you may need to guarantee you’re referencing probably the most present model.
Associated: What you need to know about Visa Signature card benefits
Backside line
Whereas the extensively identified advantages of the Sapphire Reserve are extremely helpful, a number of the card’s lesser-known perks supply nice worth as properly.
Remember that advantages can change over time. Earlier than submitting a declare, take a couple of minutes to learn over your advantages information so that you perceive what’s lined, who’s eligible and what paperwork chances are you’ll want. Doing so forward of time could make the method faster and simpler.
To study extra, learn our full review of the Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
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