Chase Sapphire Reserve My Global Entry Account Expired Can I Apply Again With Reimbursement
Who is the Chase Sapphire Reserve For?
The ideal Chase Sapphire Reserve cardholder is someone who travels and eats out enough to justify the $550 annual fee. Every bit discussed to a higher place, cardholders earn a minimum of 3x Chase Ultimate Rewards points on travel and dining, which can exist redeemed for as much as 2 cents per point. Additionally, the card includes a diverseness of travel protections, including trip cancellation/interruption insurance and trip delay insurance.
While the $550 annual fee may seem steep, information technology is kickoff by a few credits. The offset is the $300 annual travel credit. This credit is easy to use and usually appear instantly in your account. Using this credit essentially drops the annual fee downward to $250 ($550 – $300 = $250).
If you are eligible for the Global Entry, TSA PreCheck, or NEXUS reimbursement (once every four years), that reduces the almanac fee further in a given year. The 50,000 point bonus is also worth a minimum of $500, which wipes out the annual fee entirely for the first year when using the other credits.
| Benefits at a Glance |
|---|
 |
| – Annual Fee: $550 (not waived first year) – Electric current Bonus: 50,000 Points afterward spending $4,000 in the first iii months from account opening. – 10x Points on Hotels/Car Rentals booked through Ultimate Rewards (afterward spending $300 on travel annually) – 5x Points on Air Travel booked through Ultimate Rewards (after spending $300 on travel annually) – 3x Points on All Other Travel (after spending $300 on travel annually) – ane0x Points on Chase Dining purchased through Ultimate Rewards – 3x Points on All Other Dining – 10x Points on Lyft (through March 2025) – 10x Points on Peloton Bike, Tread, and Accessory Purchases over $1,800 (ends half-dozen/30/2022) – Up to $300 Annual Travel Credit – Up to $100 Global Entry, TSA PreCheck, or NEXUS Reimbursement (every four years) – $five Monthly DoorDash Credit – Gratis DashPass Membership: Valid through December 31, 2024 – Primary Rental Auto Insurance – Diverseness of Travel Insurance Options – APR: 17.24% – 24.24% Variable – Authorized User Fee: $75 – Corking Credit Score Required (700+) |
Featured Chase Sapphire Reserve Benefits
While the Hunt Sapphire Reserve includes a ton of benefits, here are our acme picks.
$300 Annual Travel Credit
The Chase Sapphire Reserve'southward nigh important benefit is its $300 annual travel credit. The credit reimburses cardholders for the beginning $300 spent on travel every unmarried year. You do not have to opt-in to receive the credit, and information technology usually appears on your online argument after a travel transaction posts. Please annotation, the first $300 spent on travel in a year will non earn Hunt Ultimate Rewards points. After the first $300 is spent, cardholders volition so earn a minimum of 3x points per dollar spent on travel.
Meet our total tutorial on How to Use The Hunt Sapphire Reserve $300 Annual Travel Credit.
The Vacationer Tip
If you have opened more than five credit cards in the past 24 months, yous are unlikely to get approved for the Chase Sapphire Reserve. This is considering of Chase's unofficial, just widely reported, v/24 rule.
Global Entry, TSA PreCheck, or NEXUS $100 Application Fee Reimbursement
One of our favorite features of the Chase Sapphire Reserve is the $100 application fee credit for Global Entry, TSA PreCheck, or NEXUS. The credit can exist used once every four years, and it instantly appears in your online business relationship later on paying the application fee for Global Entry, TSA PreCheck, or NEXUS. Those applying for Global Entry will receive a $100 credit. Those applying for TSA PreCheck will receive an $85 credit. Finally, those applying for NEXUS will receive a $l credit.
Nosotros value this benefit at $25 per year since it can but be used once every four years.
Gratuitous Airdrome Lounge Access via Priority Laissez passer
Photo: bus2896 via Pixabay
While the COVID-19 pandemic has close down many airport lounges, some are commencement to reopen. All Chase Sapphire Reserve cardholders receive a free Priority Pass membership. Upon activation, members and up to 2 guests (this is the advertised number of allowed guests, but we have seen higher numbers) have admission to over 1,300 airport lounges around the globe.
Lounges vary by location, with some looking similar traditional lounges while others are restaurants or bars. Civilities may include free Wi-Fi, daybed sofas with pillows, televisions, air conditioning, nutrient, and drinks. Boosted guests ($27 per invitee) and additional fourth dimension in the lounge will be billed to your Chase Sapphire Reserve card. Some lounges provide free food and drinkable credits for you lot and your guests.
If yous want to accept advantage of Priority Laissez passer and its many lounges, you must enroll within your Hunt business relationship. Enrollment is uncomplicated and yous will receive your physical Priority Pass carte inside a few weeks. Nosotros recommend downloading the Priority Pass app so y'all can search for lounges and benefits as well as gain access to a digital membership card.
For the average traveler, we value this do good at $200 per year, but it can exist worth much more for the frequent traveler.
Primary Rental Car Insurance
One of the near underrated benefits of the Chase Sapphire Reserve is the free Primary Rental Car Insurance. Likewise known as Automobile Rental Collision Damage Waiver (CDW) or Loss Harm Waiver (LDW), this insurance protects you for upward to $75,000 if your rental car is damaged or stolen. To activate coverage, merely pay for your rental car with your Hunt Sapphire Reserve card and reject the rental company's collision damage waiver.
Dissimilar many other credit cards, which simply offering secondary coverage, the Chase Sapphire Reserve'due south primary coverage can salve you thousands of dollars in the upshot of theft or damage to your rental car. With primary coverage, you lot file a merits with Chase earlier your ain insurance company. With secondary coverage, you lot withal ever have to file a claim with your own insurance company. Coverage is valid for car rentals 31 days or shorter.
While this coverage will embrace your rental automobile, you all the same accept to employ your personal liability insurance in the event you lot go into an accident with another commuter. Coverage is valid for the cardholder and any boosted drivers on the rental agreement.
Many car rental companies charge up to $twoscore per day for Automobile Rental Collision Impairment Waiver (CDW). The fact that Chase provides this for free to Sapphire Reserve cardholders is a huge benefit for those who oft rent cars. We value this benefit at $250 per yr for the average traveler. Those traveling more can potentially save thousands if they would otherwise buy CDW from the automobile rental company.
The Vacationer Tip
When renting a car with your Chase Sapphire Reserve card, always exist sure to pass up the rental visitor's CDW. This will save you a ton of coin and ensure your Chase Principal Rental Car Insurance kicks in.
50,000 Point New Business relationship Bonus
The Sapphire Reserve's current welcome bonus is a solid 50,000 points. You tin can earn this bonus by spending $4,000 in the first three months later your approval date. You tin keep track of how close you are to reaching the bonus in the Rewards Activity section within your Chase Ultimate Rewards portal. Here is how much this bonus may be worth depending on how you redeem information technology.
- Cash – $500
- Pay Your Cocky Back Program – $750
- Travel via Chase Ultimate Rewards Portal – $750
- Transfer to a Chase Partner Hotel or Airline – Up to $1,000
As you tin see, we never recommend taking the cash redemption. Yous should aim to redeem for at least a $750 value. The Pay Yourself Dorsum Program and booking travel through the Chase Ultimate Rewards Portal both offer one.5 cents per point (50% more value). To earn a $1,000 value, you volition likely accept to transfer to ane of Chase's summit partners, such every bit Hyatt.
To be eligible for the bonus, you must come across the following requirements.
- Yous must not currently have a Sapphire carte (Reserve or Preferred).
- You must not take received a Sapphire bonus in the previous 48 months.
- You lot cannot receive the bonus if y'all practise a production modify from another Sapphire carte du jour.
Photo: Phil Dengler – Chase Sapphire Reserve account screenshot
Pay Yourself Back Programme (Points Are Worth 50% More)
With the COVID-nineteen pandemic continuing to slow travel, Chase recently introduced a new style to redeem points. The Pay Yourself Back program allows cardholders to redeem Ultimate Rewards Points for 1.5 cents per indicate for purchases fabricated at Airbnb and restaurants in the past 90 days. For case, a $xl purchase would but require 2,666 points instead of 4,000 points. Select charities and the $550 annual membership fee are too eligible.
Chase recently extended this feature through 2022 for select categories. The one.5 cents per point redemption is the same y'all would get booking travel through the Hunt portal, so this is a great way to redeem points. Afterwards redeeming, y'all will receive a argument credit inside a few business days for the full amount. Airbnb, restaurants, and annual membership fee are eligible through June 30, 2022. Select charities are also eligible through Dec 31, 2022.
The Vacationer Tip
While it is possible to earn more points transferring to travel partners, the Pay Yourself Back plan is a great mode to redeem points until travel goes back to normal. Nosotros highly recommend redeeming your points this fashion.
Chase Sapphire Reserve Travel Benefits
In addition to the benefits discussed above, here are more than Chase Sapphire Reserve travel benefits
3X Points on Travel Purchases
Cardholders earn 3x Hunt Ultimate Rewards points on all purchases that lawmaking as travel. Every bit previously mentioned, you will not earn 3x rewards points on your showtime $300 spent on travel. This is considering the start $300 goes direct towards your almanac travel credit.
Afterward spending $300 on travel annually, you can wait to earn 3x points on the post-obit purchases.
- Hotels & Motels
- Airbnb
- Airlines (tickets, seat upgrades, bags)
- Auto Rental Agencies
- Travel Agencies & Discount Travel Sites
- Cruises
- Campgrounds
- Timeshares
- Parking Lots & Parking Garages
- Cost Bridges, Highways, & Tunnels
- Car Services (including Buses, Taxis, Lyft, and Uber)
- Trains
The good news is Chase has a very broad definition of what counts equally travel. The bad news is sometimes merchants practise non code purchases correctly. For instance, Vrbo more often than not codes its transactions as Real Estate or Professional Services. If this happens to you, you will not receive a travel credit or 3x rewards points. We recommend contacting Chase for a points adjustment, merely they will not always concord to information technology.
The 3x points per dollar spent on travel tin can exist worth anywhere from iii cents to 6 cents depending on how you redeem. For example, booking travel through Chase makes the redemption of 3x points worth 4.5 cents (or ane.5 cents per signal).
Earn up to 10x Points Booking Travel Through Ultimate Rewards
Cardholders at present earn 10x points per dollar spent (later on spending $300 on travel annually) when booking hotel stays and car rentals through the Chase Ultimate Rewards Travel Portal. While 10x indicate is very generous, there is a drawback. Since you lot are not booking directly with the hotel or rental car agency, you may not be eligible for elite condition benefits.
Cardholders likewise earn 5x points per dollar spent (afterwards spending $300 on travel annually) when booking flights via the Chase Ultimate Rewards Travel Portal. While that is an comeback from 3x points, there are drawbacks to booking flights through Ultimate Rewards as opposed to straight with the airline. One such drawback is y'all do not get to deal directly with the airline'south customer service in the issue you need to change or cancel your flying.
Points Are Worth 50% More (or 1.5 cents per betoken) When Redeeming Through Chase Ultimate Rewards Travel Portal
Photo: Phil Dengler – Chase Sapphire Reserve account screenshot
One of the all-time things about the Chase Sapphire Reserve is the power to redeem travel through the Chase Ultimate Rewards portal. Points are worth 50% more (or ane.v cents) when booking flights, hotels, car rentals, and cruises directly with Chase. For example, if you have 100,000 Hunt Ultimate Rewards points, yous will take $i,500 in value when booking travel. In that location are no blackout dates or restrictions.
That means 3x Chase Ultimate Rewards points earned on travel and dining are worth 4.v cents (1.v cent per point) if you decide to redeem them via the portal. Compared to the Chase Sapphire Preferred® Carte (points are worth 25% more than or one.25 cents per point), the Sapphire Reserve provides the highest value out of all of the Chase personal credit cards.
1:i Point Transfer to x Airlines and three Hotels
Hunt allows you to potentially get fifty-fifty more out of your points by offering a 1:1 signal transfer to x airlines and 3 hotels. Depending on the transfer partner, this may be a ameliorate choice than booking through the Chase Ultimate Rewards portal. For example, Hyatt points may be worth every bit much as two cents per bespeak depending on the fourth dimension of twelvemonth, the location, and the room.
Transferring directly to airlines and hotels likewise allows you to gain status for even more benefits. Please note, you must have a minimum of one,000 points to transfer. Hither are Chase's current transfer partners
Chase Airline & Hotel Transfer Partners
| Airlines | Hotels |
|---|---|
| AerClub (Aer Lingus) | IHG® Rewards Club |
| British Airways Executive Club | Marriott Bonvoy™ |
| Emirates Skywards® | World of Hyatt® |
| Flying Blue AIR France KLM | |
| Iberia Plus | |
| JetBlue TrueBlue | |
| Singapore Airlines KrisFlyer | |
| Southwest Airlines Rapid Rewards® | |
| United MileagePlus® | |
| Virgin Atlantic Flying Club |
To transfer points to a Chase partner, you must register for the airline or hotel's loyalty or rewards program. Think, transferring to a partner allows y'all to gain status and special benefits at the airline or hotel in question. If yous volume through the Chase portal, you lot will not receive the same benefits.
Special Hotel Benefits
Chase Sapphire Reserve cardholders enjoy special benefits at a diversity of different hotels. To receive the benefits, y'all must book with your Hunt Sapphire Reserve card.
sbe Hotels
Since it is a luxury make, you will just find sbe hotels in a few cities. Regardless, hither are the benefits you will receive as a Sapphire Reserve cardholder.
- Complimentary Upgrades – One level room upgrade
- Food Voucher – $30 credit per room
- Gratuitous Breakfast – Ii people per room
- Gratis Room – 4th night is costless when booking at to the lowest degree iv nights
- Late Cheque-out – When available
See the sbe hotels portal to find eligible locations. Brands include SLS, Delano, Mondrian, The Business firm of Originals, Hyde, and The Redbury.
Relais & Châteaux Hotels
As another luxury brand, you will not find Relais & Châteaux hotels everywhere. While it is a smaller chain, there are locations in over 60 countries. Here are a few benefits Sapphire Reserve cardholders enjoy.
- VIP Welcome
- Costless Breakfast
For details on locations, see the official website.
The Luxury Hotel & Resort Collection
Sapphire Reserve cardholders can enjoy special benefits at over one,000 luxury hotels every bit a part of the Luxury Hotel & Resort Collection. All of the backdrop are reservation-just, and you must use your Hunt Sapphire Reserve credit bill of fare as payment upon bank check-out. Points are non accepted as payment. Hither are some of the benefits for cardholders only.
- Free Room Upgrade – When available
- Free Breakfast – Two people per room
- Complimentary WiFi
- Early Check-In and Belatedly Check-Out – When available
- Special Unique Benefit – Unlike for each property
Examples of special unique benefits include spa treatment credits, resort credits, and free bottles of wine.
Hunt Sapphire Reserve Dining Benefits
In addition to the benefits discussed above, here are more than Chase Sapphire Reserve dining benefits
3X Points on Dining Purchases
Photo: Igor Ovsyannykov via Pixabay
Cardholders earn 3x Chase Ultimate Rewards points per dollar spent on all purchases that code equally Food & Drinkable. Chase has a very broad definition of dining, and so anything from fine dining establishments to fast-food restaurants usually counts.
Some restaurants do not properly lawmaking their transactions, so y'all should regularly check your statement. Moe's Southwest Grill, for example, recently coded every bit "Caterers" for me. While Moe's does catering, information technology is as well a fast-casual restaurant. After contacting Chase, I was awarded the full 3x rewards points.
The 3x points per dollar spent on dining can be worth anywhere from 3 cents to half dozen cents depending on how you redeem. If yous redeem the three points for cash, each indicate is only worth 1 cent. The 3x points earned on dining is equal to what the Chase Sapphire Preferred, Chase Liberty Unlimited®, and Chase Liberty Flex℠ earn.
Free DoorDash DashPass Subscription + $5 Monthly DoorDash Credit
Cardholders are eligible for a gratuitous one-year DashPass subscription through Dec 31, 2024. This provides complimentary delivery (for orders of $12 or more) when using DoorDash or Caviar, and it is valued at over $100 per year. The subscription menstruum begins the day you actuate the membership, and information technology is valid for you lot and whatsoever authorized users. To activate, only add your Chase Sapphire Reserve card information in the app for either DoorDash or Caviar. You lot will so exist prompted to begin your costless subscription.
Cardholders are now eligible for a $5 per calendar month DoorDash credit. See our guide on How to Use the Chase Sapphire Reserve DoorDash Credit. The credit comes at the beginning of each month and expires after iii months.
The Vacationer Tip
Even if you do not want to use DoorDash for delivery, DashPass likewise offers a discounted pickup option. Additionally, I recommend using the $5 monthly credits at the cease of every quarter so you have $15 to spend.
Earn 10x Points on Chase Dining Purchases
Photo: Phil Dengler – Chase Sapphire Reserve account screenshot
Earn 10x Ultimate Rewards Points when using Hunt dining. This is excellent value, and it is not like shooting fish in a barrel to earn this many points on dining with a credit carte. Valid for takeout and prepaid reservations.
Chase Sapphire Reserve Rideshare & Car Rental Benefits
Car rentals and rideshare services are an essential part of travel these days. The Chase Sapphire Reserve shines in this area and offers an assortment of benefits and ways to relieve.
10X Points on Lyft Rides
With the 10x Ultimate Rewards points on Lyft rides through March of 2025, Chase is making it difficult for Sapphire Reserve cardholders to employ Uber. Usually, cardholders earn 3x points on Lyft rides since information technology codes as travel. Cardholders continue to earn 3x points on Uber and other rideshare services, but Lyft is the articulate winner here.
The value of this benefit is going to depend on how often you lot use rideshare services. Those living in urban areas should see a much greater benefit than those living in more rural areas.
The Vacationer Tip
If possible, we highly recommend using Lyft over Uber if y'all have the Chase Sapphire Reserve. Non only will you get ameliorate prices with Lyft, but you will also earn 10x points instead of 3x with Uber.
Automobile Rental Discounts and Status
In add-on to primary rental auto insurance, the Sapphire Reserve provides discounts and condition for a few major car rental companies.
National Auto Rental
Cardholders enjoy savings of 25% on qualifying rentals with code 5030849. Additionally, you tin can enroll in a gratis Emerald Social club Executive Level membership to enjoy gratis upgrades and other perks.
While the status and discounts are slap-up, we find National ordinarily still has college prices than competitors. Regardless, National is a reliable rental automobile visitor, so we recommend enrolling in the Emerald Order Executive Level membership and checking the rates before each rental.
Avis Automobile Rental
Cardholders savor savings of 30% on qualifying rentals with Avis Worldwide Discount (AWD) Number S107100. Additionally, cardholders can enroll in a gratis Avis Preferred membership for special benefits and upgrades. Qualifying vehicles are also eligible for a complimentary 2-24-hour interval weekend rental.
Compared to National, Avis unremarkably has lower prices on like vehicles.
Silvercar by Audi
Silvercar is a car rental service featuring premium Audi vehicles. Hunt Sapphire Reserve cardholders receive upwards to 30% off on select rentals. This is a great deal if you are in the market for a premium rental. Otherwise, stick with Avis or National for the best possible bargain.
Chase Sapphire Reserve Travel Insurance Benefits
Photo: Free-Photos via Pixabay
Traveling is financially risky, and in that location is always a hazard your flight is canceled or your airline loses a bag. Additionally, accidents happen, and information technology is always improve to be covered before departing for your trip. One of the best features of the Chase Sapphire Reserve is the array of travel insurance benefits and other protections.
The following is just an outline of all of the various trip protections and insurance options. You should read Chase's Guide to Benefits for complete data before filing any claim. In many cases, these benefits will only kick in after whatever travel insurance that you have purchased provides payment. We recommend charging your unabridged trip to your Sapphire Reserve card so y'all can accept reward of the following benefits.
Trip Cancellation/Interruption Insurance
Cardholders can exist reimbursed up to $10,000 per person or up to $20,000 for the entire trip in the event it is canceled or interrupted for covered reasons. The maximum benefit amount for 12 months is $40,000. A few covered reasons include illness, terrorism, jury duty, and a natural disaster, such as a hurricane.
As the proper name implies, trip cancellation insurance comes into play when a covered upshot prevents the trip from happening. Trip interruption insurance comes into play when a covered outcome happens on the way to departure or later difference has taken place. Information technology may also cover fees incurred if a trip is postponed.
Benefits are paid for non-refundable and pre-paid travel expenses, and only the cardholder and firsthand family members are covered. Benefits are in excess of any travel insurance purchased. Since you are unlikely to employ this benefit often, we value information technology betwixt $0 and $1,000.
Trip Delay Reimbursement
Trip filibuster reimbursement kicks in for essential costs like meals, clothing, lodging, toiletries, and medicine in the consequence travel is delayed longer than six hours or requires an overnight stay. The cardholder, cardholder'south spouse, and dependent children under 22 are covered for $500 per ticket.
Publicly known delays and prepaid expenses are not covered. Eligible carriers include airlines, trains, buses, and cruise ships. Coverage kicks in after any purchased travel insurance has paid benefits.
Lost Luggage Reimbursement
While it is fairly rare, airlines and other carriers sometimes lose luggage. Lost luggage reimbursement provides cardholders and immediate family members upward to $three,000 per person in coverage. This includes checked and/or deport-on baggage as well every bit up to $500 for electronics, jewelry, and watches inside the bags.
To be eligible, you must utilize your Sapphire Reserve card when paying for the transportation carrier. Additionally, reimbursement comes after whatever travel insurance payments that you lot may receive.
Baggage Filibuster Insurance
Baggage delay insurance kicks in for clothing, toiletries, cell phone charging cables, and other essential items purchased when luggage is delayed for longer than 6 hours. This insurance covers the cardholder, the cardholder's spouse, and firsthand family.
Your ticket for the transportation must exist purchased with your Chase Sapphire Reserve bill of fare, and $100 in coverage is available for upwardly to five days. Eligible carriers include airlines, trains, buses, and prowl ships.
Travel and Emergency Assistance
This offers cardholders free referrals in the upshot y'all require travel and/or emergency assist. To receive the communication and referral, yous must phone call the number provided in your Guide to Benefits. While the referral is free, you are responsible for any medical costs and transportation. The cardholder, cardholder's spouse, and dependent children under 22 are covered for the post-obit services.
- Medical Referral Assistance
- Legal Referral Aid
- Pre-Trip Assistance
- Emergency Message Service
- Emergency Transportation Help
- Emergency Ticket Replacement
- Lost Luggage Locator Service
- Emergency Translation Service
- Prescription Assistance and Valuable Document Delivery Arrangements
This service is bachelor 24/7, and so exercise not hesitate to call in the event of an emergency.
Travel Blow Insurance
The Chase Sapphire Reserve offers the post-obit ii types of travel accident insurance for cardholders and firsthand family members of the cardholders. Please note, but one of them can be used for the same accident.
- 24 Hr Travel Accident Insurance – This provides a maximum of $100,000 payout beginning on the departure date on the ticket and ending on the return date on the ticket.
- Common Carrier Travel Accident Insurance – This provides a maximum of $1,000,000 payout when entering, riding on, or exiting airplanes, trains, buses, and cruise ships.
Both coverages provide for accidental death or dismemberment as well as the loss of hearing, sight, and speech. While you are unlikely and hopefully never need to use this coverage, it is bachelor if you use your Chase Sapphire Reserve card to pay for your trip.
Emergency Evacuation and Transportation
While rare, there is a chance you or a family fellow member may need to be evacuated on a trip because of illness or injury. This benefit provides the cardholder, the cardholder'south spouse, and children under xviii (or 25 if a total-time pupil) $100,000 in coverage for an emergency evacuation.
Emergency Medical and Dental Benefit
Falling sick on a vacation is no fun, but it does happen. This benefit provides the cardholder, the cardholder's spouse, and children under eighteen (or 25 if a full-time student) a $2,500 reimbursement ($fifty deductible) for medical expenses.
To qualify, the cardholder and family members must be at least 100 miles away from abode, and only expenses non covered by medical insurance volition exist reimbursed. Additionally, it provides $75 per day for a hotel if a medico says you should not travel.
The Vacationer Tip
Before relying on whatever of the Chase Sapphire Reserve'south travel insurance and protection options, nosotros highly recommend reading your complete Guide to Benefits.
Other Chase Sapphire Reserve Benefits
While most of the Chase Sapphire Reserve'south benefits are related to travel and dining, it does offer a few other things that further enhance the card's value.
Sectional Events & Experiences
Photo: Free-Photos via Pixabay
Cardholders tin accept advantage of a variety of exclusive events and experiences. This includes sporting events, concerts, festivals, and dining. Due to the COVID-nineteen pandemic, experiences have been limited, but we have seen a few virtual ones. As the pandemic eventually wanes, look Chase to add more experiences and events.
Emergency Roadside Assistance
Whether y'all are driving your ain motorcar or a charter, your Chase Sapphire Card offers complimentary emergency roadside assist. Bachelor 24 hours per mean solar day and 365 days per year, this benefit provides upward to $50 in reimbursement per incident four times per year. Here is what is covered.
- Towing
- Flat Tire Service
- Battery Boost
- Delivery
- Lockout Assist
All additional fees volition exist charged to your Sapphire Reserve card.
Purchase Protection
For cardholders and recipients of gifts purchased by cardholders, the Sapphire Reserve offers purchase protection of upwards to $10,000 per claim for 120 days confronting damage or theft. This coverage is in backlog of any homeowner'due south insurance, and the maximum is $fifty,000 per business relationship. For stolen items, you must report it to the law inside 48 hours to be eligible for a claim.
Render Protection
For cardholders but, the Sapphire Reserve provides reimbursement for upward to $500 for items a store will not take back within 90 days of buy. The item must nevertheless be in skilful condition, and diverse items are not covered. Here a few examples.
- Motorized Vehicles
- Living Plants
- Animals
- Jewelry
- Tickets
Extended Warranty Protection
For cardholders and recipients of gifts purchased by cardholders, the Sapphire Reserve provides a one-year extension for manufacture's warranties of three years or less. Equally usual, the purchase must be made with your Sapphire Reserve card, and a maximum of $10,000 per claim is available.
Peloton $120 Argument Credit
New and existing Chase Sapphire Reserve cardholders are eligible for $120 in statement credits for Peloton Digital and All-Access Memberships through 6/thirty/2022. Unfortunately, the credits will not become towards a bike purchase.
A Peloton digital membership is available for $12.99 per month, but you can get started with a free 30-24-hour interval trial. An all-access membership is available for $39 per month, but you must have a Peloton bike or tread. To get started, head over to the Peloton website and enter your card information. This offer is available to new and existing (unless purchased through a third-party app store) Peloton members.
Cardholders also earn 10x points for Peloton bike, tread, and accessory purchases over $i,800. This do good is available through June 30, 2022, and information technology has a max earn of 50,000 points.
The Hunt Sapphire Reserve Compared to Other Similar Cards
Despite being a peachy travel-focused credit card, the Chase Sapphire Reserve does autumn short in a few areas compared to competing cards. Ultimately, it is going to depend on how much you travel and go out to consume, the annual fee you feel comfortable spending, and how much the other benefits are worth to you.
Chase Sapphire Preferred – The biggest departure is the Sapphire Preferred only has a $95 annual fee compared to the Reserve's $550 annual fee. The Sapphire Preferred besides has an 80,000 signal welcome bonus compared to the Reserve'southward 50,000 indicate bonus. For the boosted annual fee, the Reserve earns a minimum of 3x on travel compared to only a minimum of 2x for the Preferred. Both cards now earn a minimum of 3x points on dining.
The Reserve likewise offers a $300 dining credit and a $100 Global Entry or TSA PreCheck reimbursement credit. Both cards offering master rental motorcar insurance, which is a huge benefit for the Preferred. Finally, the Reserve offers lounge access, better roadside assistance, and 1.5 cents per point when redeeming through the Hunt Ultimate Rewards portal compared to i.25 points for the Preferred.
See our complete Chase Sapphire Reserve vs. Chase Sapphire Preferred Card comparison commodity for more details.
The Platinum Card® from American Express – American Limited recently increased the Platinum Card'due south annual fee from $550 to $695 (Terms Apply – See Rates & Fees). The Amex Platinum card earns 5x points on flights booked directly with airlines and with American Express Travel (up to $500,000 per agenda year). The Reserve now earns 5x points for flights booked through Ultimate Rewards. Since the Amex Platinum too earns 5x points on flights booked directly with airlines, it is the more versatile bill of fare for airfare. Prepaid hotels booked through Amex Travel earn 5x points, which is less than the Reserve's 10x rate for hotels booked via Ultimate Rewards . For more general travel purchases and dining, the Amex Platinum only earns 1x points compared to 3x points for the Reserve.
The Amex Platinum offers up to a yearly $200 travel credit, just it is much more than restrictive (airline incidentals but) than the Reserve's $300 travel credit. Both cards offering a $100 reimbursement credit for Global Entry or TSA PreCheck. The Platinum Card besides offers a variety of other credits, including up to a $179 annual CLEAR credit, up to a yearly $200 hotel credit dorsum in statement credits (minimum two-night stay at Fine Hotels + Resorts® or The Hotel Collection), upward to $200 per year in Uber Cash (paid monthly) Centurion Lounge access, and more. Finally, the Amex Platinum offers a 100,000 point welcome bonus afterwards spending $6,000 in the offset six months compared to a 50,000 point bonus after spending $4,000 in the first three months for the Reserve.
Meet our complete Hunt Sapphire Reserve vs. Amex Platinum Card comparison commodity for more details.
Capital Ane Venture X Rewards Credit Card – The Capital One Venture X Rewards Credit Menu is Capital One's new premium travel credit card. It is viewed by many as a cheaper culling to the Chase Sapphire Reserve and Amex Platinum Card with similar benefits.
See our complete Chase Sapphire Reserve vs. Capital One Venture Ten Rewards Card comparison commodity for more details.
FAQ
How much is the Hunt Sapphire Reserve'south almanac fee?
The annual fee is $550.
When is the Chase Sapphire Reserve's annual fee due?
For new users, the annual fee appears on your first or 2d statement. Later that, it will appear yearly on your business relationship anniversary.
How much does information technology toll to add together an authorized user to the Chase Sapphire Reserve?
$75
How many points does the Chase Sapphire Reserve earn on travel?
After the first $300 spent on travel, cardholders earn a minimum 3x Hunt Ultimate Rewards points for purchases that code as travel. Information technology as well earns 10x points on hotels and rental cars booked through the Chase Ultimate Rewards portal. Finally, it earns 5x points on flights booked through the Chase Ultimate Rewards portal.
How many points does the Chase Sapphire Reserve earn on dining?
Cardholders earn 3x Chase Ultimate Rewards points for purchases that lawmaking as food & potable.
How much is the Chase Sapphire Reserve travel credit?
The annual travel credit is worth $300.
What counts as travel for the Chase Sapphire Reserve?
The following transactions code as travel for Chase credit cards.
– Hotels & Motels
– Airbnb
– Airlines (tickets, seat upgrades, numberless)
– Auto Rental Agencies
– Travel Agencies & Disbelieve Travel Sites
– Cruises
– Campgrounds
– Timeshares
– Parking Lots & Parking Garages
– Toll Bridges, Highways, & Tunnels
– Automobile Services (including Buses, Taxis, Lyft, and Uber)
– Trains
What is the best style to redeem Hunt Sapphire Reserve Ultimate Rewards points?
There are many ways to redeem Chase Ultimate Rewards points, merely some are better than others.
Cash – This is the worst way to redeem Hunt points. Each point is worth 1 cent, so you receive no additional value.
Booking Travel via Chase Ultimate Rewards Portal – Points are worth 1.five cents per point. This is a solid fashion to redeem points.
Chase Pay Yourself Back Feature – Points are worth 1.5 cents per point via a argument credit. This is a solid mode to redeem points.
Transferring to Chase Airline and Hotel Partners – Points may be worth equally much as two cents per bespeak. Depending on the state of affairs, this tin can be the best mode to redeem points.
Practice Chase Sapphire Reserve points e'er expire?
Chase Ultimate Rewards points do not expire.
What statement credits does the Hunt Sapphire Reserve offer?
The post-obit statement credits are currently bachelor.
– $300 travel credit
– $120 Peloton credit through June 30, 2022
– $100 Global Entry, TSA PreCheck, or NEXUS application fee reimbursement (every four years)
– $v monthly DoorDash credits
How much is the Chase Sapphire Reserve bonus?
The electric current bonus is l,000 points. You earn the bonus by spending at least $4,000 in the first iii months after approval. Its value depends on how you redeem the points. Here are a few examples.
– Cash – $500
– Pay Your Self Back Program – $750
– Travel via Chase Ultimate Rewards Portal – $750
– Transfer to a Chase Partner Hotel or Airline – Up to $1,000
Does the first $300 in travel spent with the Chase Sapphire Reserve earn 3x points?
No, the first $300 spent on travel earns 0 points. Instead, you volition receive a total of $300 in travel argument credits.
Does the Hunt Sapphire Reserve have foreign transaction fees?
No.
What credit score is needed to get canonical for the Chase Sapphire Reserve?
At the minimum, you will likely demand a 700 credit score. For better odds, your credit score should be at to the lowest degree in the 720-750 range.
What is the deviation betwixt the Chase Sapphire Reserve and Hunt Sapphire Preferred?
Call up of the Hunt Sapphire Preferred as a cheaper and stripped-down version of the Chase Sapphire Reserve. Here are a few of the main differences between the cards.
Bonus – The Chase Sapphire Reserve has a 50,000 bespeak bonus. The Chase Sapphire Preferred has an 80,000 indicate bonus.
Annual Fee – Sapphire Reserve: $550. Sapphire Preferred: $95
Travel Credit – Sapphire Reserve: $300. Sapphire Preferred: $fifty (hotel credit)
Global Entry/TSA PreCheck Reimbursement – Sapphire Reserve: $100. Sapphire Preferred: $0.
Minimum Points on Travel – Sapphire Reserve: 3x Points. Sapphire Preferred: 2x Points
Betoken on Dining – Both earn 3x points.
Lyft Earning Rates – Sapphire Reserve: 10x Points. Sapphire Preferred: 5x Points
Point Redemption Value in Chase Rewards Portal – Sapphire Reserve: one.5 Cents. Sapphire Preferred: 1.25 Cents
Lounge Admission – The Sapphire Preferred does not offering lounge access
Authorized User Fee – Sapphire Reserve: $75. Sapphire Preferred: $0
Will Chase ever offer the 100,000 point bonus once more for the Sapphire Reserve?
It may, only no 1 knows at the moment. Chase says information technology has no firsthand plans to offer the 100,000 indicate bonus again, just that tin can change.
Does Hunt's 5/24 rule impact my approval odds for the Sapphire Reserve?
Yes, Chase's 5/24 dominion will bear on your Sapphire Reserve blessing odds. If yous have been approved for five or more cards in the past 24 months, you lot are unlikely to get approved for the Reserve.
Tin can I accept both the Sapphire Reserve and Sapphire Preferred?
No, yous tin only have i of the two Chase Sapphire credit cards.
How much is a point worth when redeemed for cash or a statement credit?
A point is worth one cent (or $.01) when redeeming for cash or a statement credit
The Vacationer's Last Thoughts
The Chase Sapphire Reserve is a cracking credit bill of fare for those who similar a lot of benefits and are willing to pay for them. Despite the pandemic slowing travel, Chase has added a ton of benefits to make the $550 annual fee worth it. Taking advantage of the $300 travel credit, $100 Global Entry or TSA PreCheck reimbursement, and $5 monthly DoorDash credit brings the annual fee downwards to only $105 in 2022 and $xc in 2023 and 2024. Add together in the 50,000 point bonus, and y'all are hands coming out ahead in the first year.
The Vacationer'due south Phil Dengler and Eric Jones both regularly use the Sapphire Reserve and volition go on to practise and then every bit travel resumes.
Don't take a travel-focused credit carte yet? Cheque out The Vacationer's Recommended Travel Menu Picks for the best offers from Chase, Capital Ane, American Limited, and other top issuers. Yous tin too cheque out the CardMatch tool to encounter what cards and offers you may already be prequalified for.
Editorial Disclosure: Opinions expressed here are the author's alone, not those of any depository financial institution, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, canonical or otherwise endorsed past any of the entities included within the post.
Source: https://thevacationer.com/chase-sapphire-reserve-card-benefits/