is chase sapphire reserve travel insurance enough

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

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Explore all the benefits of Sapphire Reserve

Rewards to inspire your next adventure.

The Chase Sapphire Reserve card makes every purchase rewarding. Make your journey memorable with travel perks, private dinners, and VIP access at sought-after events. Explore your complete Guide to Benefits or learn more about your benefits below.

01          Travel

Get closer to your happy place

Earn points as you seek out new destinations. Book a hotel, make the most of airfare, hail rides around town and more.

$300 Travel Credit

Get reimbursed for up to $300 in travel purchases you make with your Sapphire Reserve card 1 each year. Each year, your first $300 in travel purchases will not earn rewards points. 2

Book through The Edit SM

Experience distinct benefits at a curated collection of hotels and resorts when you book through The Edit by Chase Travel SM , an exclusive benefit for Sapphire Reserve cardmembers. 7

10x on hotels through Chase Travel

Earn 10x total points on hotels (excluding The Edit) and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually. 1

5x points on flights through Chase Travel

Earn 5x total points on flights purchased travel through Chase Travel after the first $300 is spent on travel purchases annually. 1

3x points on travel

Enjoy the trip even more with bonus points on travel purchases like airfare and hotels. 1

Unlimited points

There is no limit to the number of points you can earn. Points don’t expire as long as your account is open. 1

Enjoy more premium travel rewards

When you travel with Sapphire, plan on benefits ranging from generous statement credits to access to luxury properties worldwide.

Global Entry or TSA PreCheck ®  or NEXUS fee credit

Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Sapphire Reserve card. 5

No blackout dates or restrictions

Book travel through Chase Travel and if a seat’s available, it’s yours.

No foreign transaction fees

Pay no foreign transaction fees when you use your card outside the United States. 6 For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elite hotel benefits at Relais & Châteaux

Enjoy great benefits like a VIP welcome and complimentary breakfast daily at select properties with Relais & Châteaux, a prestigious collection of luxury properties in over 60 countries. Call the Visa Infinite Concierge at 1-877-660-0905 for more details and to book your stay. 8

Special car rental privileges

Enroll in leading car rental rewards programs from National Car Rental, Avis and Silvercar. Log in to Chase Travel to access the special car rental privileges section of your travel benefits page to book with your card. Enjoy enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers. 9

Ennismore hotel benefits

Your card gets you VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts around the world. Cardmembers can stay a little longer with a complimentary 4th night, receive room upgrades and late check outs, along with priority access to cabana reservations, a $30 food and beverage credit and much more. 10

Free Lyft Pink

Get 2 complimentary years of Lyft Pink All Access when activated by Dec 31, 2024—a value of $199/year. 3 This includes member-exclusive pricing, free Priority Pickup upgrades, discounts on bikeshare and more. Membership auto-renews.

Don't forget as a Sapphire Reserve cardmember you'll still earn 10x total points on Lyft rides through March 2025. 4 That’s 7x points in addition to the 3x points you already earn on travel. That’s 7x points in addition to the 3x points you already earn on travel. Activate Lyft Pink All Access

02          Dining

Indulge in worldwide dining experiences

Whether visiting your local bistro or a restaurant on your bucket list, there are always special dining rewards with Sapphire Reserve.

Private dining series

Sit down for a memorable meal at some of the most sought-after restaurants in the country.

3x points on dining

Earn triple the points at restaurants, including takeout and eligible delivery services with your Sapphire Reserve card. 1 From Sunday brunch to a birthday dinner, meals out mean more rewards.

DoorDash & Caviar benefits

Takeout tastes even better with a complimentary DashPass membership on both DoorDash and Caviar. You’ll pay no delivery fee and lower service fees on eligible orders for a minimum of one year. Activate by Dec. 31, 2024 12 . Plus, as a DashPass member get a $5 monthly DoorDash credit automatically applied at checkout 13 .

Instacart benefits from Sapphire

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+. 14 In addition, Instacart+ members earn up to $15 in statement credits each month through July 2024. 15 Membership auto-renews. Terms apply.

03           Ultimate Rewards ®

Get the most from your rewards

Enjoy the flexibility of booking airfare, hotels and car rentals through Chase Travel or transfer points to other travel programs.

More value with travel redemption

Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel—our easy-to-use portal that helps you maximize your travel spending. For example, 50,000 points are worth $750 toward travel. 16

Worldwide travel assistance

Whether you need help booking travel or modifying a reservation count on the full-service support of the Chase Travel team.

1:1 point transfer to leading frequent travel programs

Transfer points to participating frequent travel programs at a full 1:1 value—that means 1,000 points equals 1,000 partner miles/points.

No travel restrictions or blackout dates on airline tickets booked through Chase Travel.

1 point per $1 spent on all other purchases

In addition to earning 3 points per dollar on travel and dining at restaurants, you’ll earn 1 point for every dollar you spend on all your other purchases. 1

Flexibility

You can book airfare, hotels and car rentals through Chase Travel using your Sapphire Reserve card, your points or a combination of both—it's up to you.

More ways to get the most from your rewards

Redeem your points for statement credits, gift cards or choose from other flexible ways to make your points work for you.

Shop through Chase ®

Shop online with brands you already love. Earn 1x–15x bonus points at more than 450 popular retailers with Shop through Chase. 16

25% more value with Pay Yourself Back ®

Redeem points for statement credits toward your annual fee and eligible purchases for gas, wholesale clubs, and pet supplies & services by June 31, 2024.

Choose from a selection of over 150 gift cards from some of your favorite retailers and more.

Pay with points

Use your points to pay for all or part of your purchases with popular brands like Apple ® 19 and Amazon.com. 20

04          Lounges

Relax with airport lounge access

With access to Chase Sapphire Lounge by The Club and Priority Pass lounges, each trip becomes an invitation to indulge before you get there.

Enjoy complimentary Priority Pass TM Select membership

Departing for your destination is more relaxing with access to 1,300+ Priority Pass airport lounges in 600+ cities around the world, plus every Sapphire Lounge by The Club, after a one- time enrollment in Priority Pass Select.

Visit Sapphire Lounge by The Club

Relax and refresh at a Sapphire Lounge and enjoy locally inspired menus, a curated selection of beverages, an atmosphere to remember and more. Sapphire Reserve cardmembers, ensure you're enrolled in your complimentary Priority Pass Select membership for lounge access.

The Reserve Suites by Chase

Reserve cardmembers, treat yourself to The Reserve Suites at Sapphire Lounge by The Club at LaGuardia Airport in Terminal B. Enjoy caviar service on arrival, specially curated wine lists by Parcelle, exclusive menus by Jeffrey's Grocery, private bathrooms with spa showers and more. Chase Sapphire Reserve cardmembers can book a suite for a fee up to 72 hours prior to flight departure. Find details on the Chase Mobile ® app in Benefits & Travel. The Reserve Suites are limited and subject to availability.

05          Protection

Travel with peace of mind 22

When you take to the air or hit the road, we make security a priority. Here are some of the protection services built into your Sapphire Reserve card benefits.

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Sapphire Reserve Benefits Guide

These are just some of the protection services built into your Sapphire Reserve card benefits. Your Guide to Benefits has more of what you need to know about your travel and purchase protection benefits.

Account security and protection

Your Sapphire Reserve card is equipped with the enhanced account and purchase protection you deserve.

Zero Liability Protection 23

Zero Liability Protection means you won’t be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card.

Fraud protection

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Fraud alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. 24 Please sign in to chase.com and review your personal details to ensure your mailing address, phone and/or email are up to date.

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year. 22

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less. 22

Chip-enabled for enhanced security and wider acceptance

A credit card with an embedded chip provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. 22

06          Events

Exclusive access to events and experiences

Sapphire cardmembers enjoy priority ticketing and the best seats in the house for a wide range of events.

Reserved by Sapphire SM 

Explore one-of-a-kind experiences from private dinners hosted by award-winning chefs to VIP access at the most sought after events. See where your Sapphire Reserve card can take you.

Events and experiences lounges

Enjoy comfortable seating at Chase Sapphire events in prime locations, complimentary food and drinks, plus a range of amenities, such as a dining concierge, charging stations, Wi-Fi and more.

Early-access tickets

Beat the crowds. Get your tickets to concerts and sporting events before they sell out.

Priority seating

Get up close to the court or the stage. Sapphire Reserve cardmembers can experience events from the best seats in the house.

07          Wellness

Earn 10x total points on Peloton

Work out your way — from HIIT rides to walks and hikes to strength training, and more: Get 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 points. Shop Peloton Bikes, Tread, Guide, or Row. Offer ends Mar. 31, 2025. 25

Shop Peloton

08          Services

Personalized assistance for Sapphire cardmembers

Turn to Sapphire for help coordinating travel, restaurant reservations, access to entertainment and more complimentary assistance and referrals.

24/7 access to customer service

Talk to a dedicated specialist whenever you need assistance. Simply call the number on the back of your card.

Visa Infinite Concierge Service 26

Contact Visa Infinite Concierge at 1-877-660-0905 for help with dinner reservations or Broadway, music and sporting event tickets.

Travel and emergency assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Easily get more from your Sapphire experience

From mobile account access to contactless payment, cardmembers can enjoy many safe and convenient features.

Manage your account with ease

Create an account on chase.com and download the Chase Mobile ® app 27 to check account and points balances, pay bills and more.

Tap-to-pay contactless checkout

Simply tap to pay with your contactless Chase Sapphire card. Just look for the Contactless Symbol at checkout, then tap your contactless card on the checkout terminal. It's fast, easy and secure!

Add an authorized user

Maximize your reward earning potential by adding an authorized user to your account. 28

Go paperless

Get your statement online. Safely access up to 6 years of statements online. It's secure, convenient and reduces clutter.

Convenient ways to pay

Load your card into a digital wallet for a quick and secure way to pay with your mobile device and receive all the benefits and rewards of using your Sapphire Reserve card.

Earn points automatically

Grow your points balance by using your card as the primary payment method for:

• Online checkout Add your card to your favorite shopping apps and online merchants to conveniently build up your points balance.
• Monthly bills Use your card to make auto payments for monthly bills (e.g., cell phone and utility bills). 29

Redeem for travel

Use points toward your next getaway—they’re worth 50% more when you redeem them for travel through Chase Travel.

Pay Yourself Back ®

Your points have more value when you redeem them for statement credits after making eligible purchases on gas, wholesale clubs, and pet supplies & services by June 31, 2024.

Chase Dining SM

Order takeout at popular eateries around town or make reservations at restaurants, wineries and bars across the country.

There's so much for you

More Sapphire Offers

There’s so much more to make yours—top benefits, offers and experiences for Sapphire Reserve cardmembers.  

Reserved by Sapphire SM

Your Sapphire Reserve card opens new doors to more flavors, sights and sounds. Explore the extraordinary lineup of experiences—including culinary, sports, music and entertainment.  

Refer-A-Friend

Earn up to 75,000 bonus points per year by referring friends to either Chase Sapphire ® card.  

Already a Sapphire cardmember?

Sign in to view your account, access exclusive content and take advantage of your Sapphire benefits.

Not a Sapphire cardmember yet?

We’re glad you’re here. Learn more about getting a Sapphire card.

Es posible que esta comunicación contenga información acerca de usted o su cuenta. Si tiene alguna pregunta, por favor, llame al número que aparece en el reverso de su tarjeta.

View the details of the Sapphire Reserve benefits offered on this page.

©2024 JPMorgan Chase & Co. JPMorgan Chase Bank, N.A. Member FDIC

Introducing Chase Travel

Seamlessly book your best trip yet. Choose from coveted hotels and convenient flights, then add car rental and must-do local experiences at the reimagined chasetravel.com .

Start planning

Chase Sapphire Reserve ® Credit Card

New cardmember offer, 60,000 bonus points, at a glance, exceptional travel rewards and benefits.

Travel Credit Card Rewards & Benefits

after you spend $4,000 on purchases in the first 3 months from account opening. * Opens offer details overlay That's $900 toward travel when you redeem through Chase Travel SM .

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

$1,000 in additional partnership benefit value

Take advantage of over $1,000 in partner value Opens overlay. with Sapphire Reserve. * Opens offer details overlay

$300 Annual Travel Credit

Take advantage of the most flexible travel credit available Opens overlay. by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card. * Opens offer details overlay

More ways to earn

Earn 5x total points on flights when you purchase travel through Chase Travel after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Earn 10x total points on hotels (excluding The Edit SM ) and car rentals when you purchase travel through Chase after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Earn 3x points on dining at restaurants, including eligible delivery services, takeout, and dining out. Plus earn 3x points on other travel worldwide after the first $300 is spent on travel purchases annually. * Opens offer details overlay

Earn 10x total points on Chase Dining purchases with Ultimate Rewards ® . * Opens offer details overlay

Get 50% more value when you redeem for travel through Chase. For example, 60,000 points are worth $900 toward travel. * Opens offer details overlay Plus, ultimate rewards points do not expire as long as the account is open. * Opens offer details overlay

Complimentary Airport Lounge Access

Complimentary access to 1,300+ airport lounges worldwide with up to two guests, plus every Chase Sapphire Lounge by The Club location, after an easy one-time enrollment in Priority Pass ™ Select. * Opens offer details overlay

Global Entry or TSA PreCheck ® or NEXUS Fee Credit

Receive one statement credit of up to $100 every four years as reimbursement for the application fee charged to your card. * Opens offer details overlay

Explore Additional Benefits

Refer Friends

if you already have either Chase Sapphire ® Credit Card!

Earn up to 75K bonus points per year

Click the button below to start referring.

Cardmember Reviews

This card has been fantastic. The sign up bonus was amazing. Great value added.

Amazing Travel Card

I am obsessed with this card. The points are so easy to earn and so easy to redeem. I love how easy it is to transfer to travel partners, and so many of them! As a military family, we have used the travel protection when we get surprise orders after booking a trip. Keep up the great work, Chase!

Awesome Travel Credit Card

I travel every week for business and several times a year for family vacation. No card has the benefits or service or reward points that the Chase Sapphire Reserve card offers. If you travel, you must have this card in your wallet. It's a must have. Thank you to the Chase Team for offering such an amazing travel card...

Browse credit cards by category

Your points get you more, turn points into travel experiences and so much more, 50% more in travel redemption.

Get 50% more value when you redeem for travel through Chase Travel. For example, 60,000 points are worth $900 toward travel. * Opens offer details overlay

No Blackout Dates or Travel Restrictions

As long as there's a seat on the flight or room at the hotel, you can book it through Chase Travel.

1:1 Point Transfer

Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

Ultimate Rewards Points Do Not Expire

Ultimate Rewards points do not expire as long as the account is open.

No foreign transaction fees

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. † Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Elevate your travels from door to door

Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year. * Opens offer details overlay

The Edit SM

Book through The Edit SM and discover a curated collection of inspired stays with cardmember benefits including daily breakfast for two, a $100 property credit, room upgrades (upon availability) and more. * Opens offer details overlay

Reserved by Sapphire

Explore the extraordinary lineup of experiences * Opens offer details overlay —including culinary, sports, music and entertainment.

Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits

Enjoy VIP amenities, complimentary status upgrades, and discounts with Avis ® , Hertz ® , National ® and Audi On Demand when you book with your Sapphire Reserve Visa Infinite card. * Opens offer details overlay

Travel protection

The most comprehensive suite of travel benefits, auto rental collision damage waiver.

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. ^ Same page link to disclaimer

Trip Cancellation / Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and 20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. ^ Same page link to disclaimer

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. ^ Same page link to disclaimer

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000. ^ Same page link to disclaimer

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.) ^ Same page link to disclaimer

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger. ^ Same page link to disclaimer

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days. ^ Same page link to disclaimer

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000. ^ Same page link to disclaimer

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year. ^ Same page link to disclaimer

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured. ^ Same page link to disclaimer

^ Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Partner benefits

Earn more points.

Earn 10x total points on Lyft rides. * Opens offer details overlay Plus, get a complimentary 2 year Lyft Pink All Access membership including member-exclusive pricing and benefits – activate by Dec 31, 2024. Membership auto renews annually. * Opens offer details overlay

Earn 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 total points now through March 31, 2025. * Opens offer details overlay

DashPass subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2024. * Opens offer details overlay With DashPass you also get $5 in DoorDash credits each month, redeemed at checkout. * Opens offer details overlay

Instacart benefit * Opens offer details overlay

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+. * Opens offer details overlay Plus, Instacart+ members earn up to $15 in statement credits each month through July 2024. Membership auto-renews. * Opens offer details overlay

Purchase coverage

Purchase protection.

Your new purchases will be covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. ^ Same page link to disclaimer

Return Protection

You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year. ^ Same page link to disclaimer

Chip-enabled for enhanced security

You’ll carry a credit card with an embedded chip that provides enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Opens offer details overlay

Zero liability protection

You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card. * Opens offer details overlay

Extended warranty protection

Extends the time period of U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less. ^ Same page link to disclaimer

Chase Pay Over Time SM

Chase Pay Over Time * Opens offer details overlay lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:

After purchase: Pay off an eligible purchase you've already made of $100 or more * Opens offer details overlay in smaller, equal monthly payments. No interest - just a fixed monthly fee † Opens pricing and terms in new window with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.

At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more * Opens offer details overlay using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertime Opens in a new window .

Apply for a card, use it the same day

Receive instant access to your card by adding it to a digital wallet, like Apple Pay ® , Google Pay ™ or Samsung Pay. Find out how at chase.com/digital/spend-instantly Opens in a new window .

$300 Travel Credit

Merchants in this category include airlines, hotels, motels, timeshares, car rentals agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. Some merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions, RV and boat rentals, merchants within hotels and airports, public campgrounds and merchants that rent vehicles for the purpose of hauling. Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category. * Opens offer details overlay

Reserve Partner Value Modal

Lyft Pink Membership

Get 2 complimentary years of Lyft Pink All Access when activated by Dec. 31, 2024 —a value of $199 /year. This includes 10% off Lux rides, free Priority Pickup upgrades discounts on bikeshare and more. Membership auto-renews. * Opens offer details overlay You'll also earn 10x total points on Lyft rides through March 2025. * Opens offer details overlay

DoorDash DashPass Subscription

Get a complimentary access to DashPass - a membership for both DoorDash and Caviar —a value of $120 for 12 months - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of 12 months when you activate by Dec 31, 2024. * Opens offer details overlay

Monthly DoorDash Credit

Get $5 in DoorDash credits each month through Dec 31, 2024, redeemed at checkout. * Opens offer details overlay

Instacart Membership

Skip the trip and have your groceries delivered to your doorstep with 1 year of complimentary Instacart+ —a value of $99 /year. Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Monthly Instacart Credit

Instacart+ members earn up to $15 in statement credits each month through July 2024. * Opens offer details overlay

Priority Pass Select Membership

Enjoy a complimentary Priority Pass Select membership at 1,300+ VIP airport lounges worldwide —a value of $469 /year. * Opens offer details overlay

10x on Peloton Purchases

Earn 10x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. * Opens offer details overlay That's $150 when you purchase a Peloton Bike and redeem for cash.

DoorDash Dashpass Subscription

Get complimentary access to DashPass – a membership for both DoorDash and Caviar —a value of $96/year - which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2024. * Opens offer details overlay

Skip the trip and have your groceries delivered to your doorstep with 6 months of complimentary Instacart+ —a value of $60 value . Activate by July 31, 2024. Membership auto-renews. * Opens offer details overlay

Quarterly Instacart Credit

Sapphire Preferred Instacart+ members earn up to $15 in statement credits each quarter through July 2024. * Opens offer details overlay

5x on Peloton Purchases

Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025. That's $75 when you purchase a Peloton Bike and redeem for cash. * Opens offer details overlay

5x total points on Lyft

Earn 5x total points on Lyft rides through  March 31, 2025. That's 3x points in addition to the 2x points you already earn on travel. * Opens offer details overlay

Offer Details

Offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

60,000 Bonus Points After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

$300 Annual Travel Credit: A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to an annual maximum accumulation of $300. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. (For applications submitted before May 21, 2017, annual means the year beginning with your account open date through the first December statement date of that same year, and the 12 billing cycles starting after your December statement date through the following December statement date each year.) Call the number on the back of your card to see when you are eligible for your next $300 Annual Travel Credit. Purchases are when you, or an authorized user, use a card to make purchases of products and services. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We do not determine whether merchants correctly identify and bill transactions as being of a certain type. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window . Statement credit(s) will post to your account the same day your travel category purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. The Annual Travel Credit will be issued for the year in which the transaction posts to your account. For example, if you pay for baggage fees, but the airline does not post the transaction until after the current annual period ends, the cost of the baggage fees will be allocated towards the following year's Annual Travel Credit maximum of $300.

Earning Points: Rewards Program Agreement: For more information about the Chase Sapphire Reserve rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewards Opens in a new window . How you can earn points: You'll earn points on purchases of products and services, minus returns or refunds, made with a Chase Sapphire Reserve credit card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: any purchases that qualify for the $300 Annual Travel Credit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 3 points ("3X points") on travel purchases: You'll earn 3 points for each $1 spent on purchases made in the travel category after the $300 Annual Travel Credit is earned. 5 points ("5X points") on Chase Travel airline ticket purchases: You'll earn 5 points total for each $1 spent on airline ticket purchases made using your card through Chase Travel after the $300 Annual Travel Credit is earned in the travel category (2 additional points on top of the 3 points earned on each purchase in the travel category). 10 points ("10X points") on Chase Travel hotel accommodation and car rental purchases: You'll earn 10 points total for each $1 spent on qualifying hotel accommodation and car rental purchases made using your card through Chase Travel after the $300 Annual Travel Credit is earned in the travel category (7 additional points on top of the 3 points earned on each purchase in the travel category). Hotel accommodation purchases made using your card with The Edit (previously The Luxury Hotel & Resort Collection) will qualify to earn 3 points for each $1 spent in the travel category, but will not qualify to earn 7 additional points for each $1 spent. Any purchases that qualify for the $300 Annual Travel Credit, won't earn points. "$300 Annual Travel Credit" means the statement credit that is automatically applied to your account annually on purchases made using your card in the travel category, up to an annual maximum accumulation of $300. "Annually" means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. 10 total points ("10X points") on qualifying Lyft rides through 03/2025: You'll earn an additional 7 points for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2025. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional points. You may see "10X" in marketing materials to refer to the 7 points in addition to the 3 points earned on travel purchases (see above). The additional 7 points will appear on your billing statement in a separate line from the 3 points. Lyft is not responsible for the provision of, or the failure to provide, Chase benefits or services. 3 points ("3X points") on dining at restaurants purchases: You'll earn 3 points for each $1 spent on purchases in the following rewards category: dining at restaurants including takeout and eligible delivery services. 10 points ("10X points") on Ultimate Rewards Chase Dining purchases: You'll earn 10 points for each $1 spent on Chase Dining purchases made using your card through the Ultimate Rewards program. 1 point ("1X points"): You'll earn 1 point for each $1 spent on all other purchases. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

The Edit: The Edit program benefits are available exclusively on select Chase credit cards. To receive benefits, reservations must be made for "The Edit" properties through Chase Travel. Benefits are per room and based on double occupancy. Benefits may be subject to availability at check-in and are not redeemable for cash. Benefits may not be combined with other offers, including tour operator or wholesaler rates and packages. Complimentary Wi-Fi benefit provided, with the exception of locations where Wi-Fi is already complimentary or not available. Program benefits and participating properties may change without notice. Visit www.theeditbychase.com to learn more, other terms may apply.

Priority Pass ™ Select Membership: One time activation required. Priority Pass Select membership includes access to airport lounges and select airport experiences participating in the Priority Pass Select network. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Primary Cardmembers and Authorized Users are granted complimentary access to the Priority Pass lounges and are allowed a maximum of two accompanying guests each. For any additional guests, your card will be charged $27 per guest, per visit. Your card will be charged after you have signed for the additional guest visits in the participating lounge and the visits have been reported to Priority Pass. Access may be denied if the lounge is at capacity. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Your Chase Sapphire Reserve account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges and select airport experiences, please visit www.prioritypass.com/select .

Global Entry or TSA PreCheck ® or NEXUS Application Fee Statement Credit You will receive one statement credit (up to $100) every four years after the first program (either Global Entry or TSA PreCheck ® or NEXUS) application fee is charged to your Chase Sapphire Reserve card, by you or an authorized user. This benefit applies only to the Global Entry, TSA PreCheck ® or NEXUS programs, other Trusted Traveler programs are not eligible. The statement credit will appear on your credit card billing statement within 1-2 billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Chase has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA or DHS. For more information about the Global Entry, TSA PreCheck ® and NEXUS programs, including application details and full terms and conditions, go to https://ttp.cbp.dhs.gov/ . Websites and other information provided by government agencies are not within Chase's control and may not be available in Spanish. To receive statement credits, your account must be open and not in default at the time of fulfillment. TSA PreCheck ® is a registered trademark and is used with the permission of the U.S. Department of Homeland Security.

2-year complimentary Lyft Pink All Access membership: Your Chase Sapphire Reserve account will receive one complimentary Lyft Pink All Access membership for 2 consecutive years, a value of $199/year, when the membership is activated with a Chase Sapphire Reserve card by 11:59 PM Eastern Standard Time on 12/31/2024. After your complimentary 2-year period ends, you'll be automatically enrolled in an annual membership at 50% off the then current annual Lyft Pink All Access rate for one year. After the discounted year, you will continue to be enrolled and charged the then current annual Lyft Pink All Access rate, every year unless canceled. You can cancel auto-renewal anytime on the Lyft mobile application and continue to enjoy the benefits of your Lyft Pink All Access membership through the end of your complimentary or discounted membership term. Cardmembers who do not utilize any services associated with their membership during the last six (6) months of their complimentary membership term, will not be auto-renewed and will not be eligible for the Lyft Pink All Access discounted membership. Lyft Pink All Access will be registered in the name of the primary cardmember or an authorized user, whoever activates the benefit first. PayPal or digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites, and other information provided by Lyft are not within Chase's control and may or may not be available in Spanish. All Lyft products and services are subject to the Lyft Terms of Service and Lyft Pink Terms & Conditions. Chase is not responsible for the provision of, or the failure to provide, Lyft benefits and services. Your Chase Sapphire Reserve account must be open and not in default, and your Chase Sapphire Reserve card must be included as a payment method within the Lyft App to maintain complimentary two-year membership benefits and purchase the discounted membership in your third year.

Complimentary DashPass: You and your authorized user(s) will receive at least 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date, when the membership is activated with a Chase Sapphire Reserve card by 12/31/2024. Membership period for all users on this Chase Sapphire account will begin and end based on when the first user activates the membership on DoorDash or Caviar. The same login credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their Chase Sapphire card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your Chase Sapphire card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may still apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. If you product change to another Chase credit card eligible for a DashPass membership during the promotional period, your DashPass benefits may change. You may experience a delay in updating your applicable DashPass benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Your Chase Sapphire account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US .

Earn $5 monthly DoorDash/Caviar Credits through 12/31/2024: Get $5 in DoorDash/Caviar credits each calendar month while enrolled in DashPass through 12/31/2024. When applied to an order, the $5 credit will apply only to the subtotal of your DoorDash or Caviar order at checkout. The credit does not apply to fees, taxes, or tip and gift card purchases are excluded. You or up to 7 authorized users must be enrolled in DashPass and use your Chase Sapphire Reserve or J.P. Morgan Reserve card for payment at checkout to receive the credit. Once you spend the issued credits on one platform (e.g., DoorDash), it will be automatically deducted from your balance on the other (e.g., Caviar). Any monthly credit issued before you create an account on the other platform will only be available on the original platform for that month. Once you have accounts opened on both platforms, any credits issued will be available for onetime use on either DoorDash or Caviar. Your credit balance may be different on each platform, but your credit usage will still be linked from that point on. If a credit is not used within the calendar month, it will be carried over for a maximum of 2 months. Up to $15 in credit can be accrued before a $5 credit expires. DoorDash credits have no cash value and are non-transferable. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Credit card product changes during the promotional period will forfeit this offer. Additional DoorDash promotional terms and conditions available at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US . All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Complimentary Instacart+ Membership: You will receive one complimentary Instacart+ membership per eligible card account for 12 months (for Chase Sapphire Reserve and J.P. Morgan Reserve cardmembers) when the membership is activated on http://www.instacart.com/chase with an eligible card between 6/15/2022 and 7/31/2024. ("You" and "your" mean you as the primary cardmember or any authorized user, depending on which user activates first). This offer is non-transferrable. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. Benefits of Instacart's membership include no delivery fee on orders that total over $35 (amount subject to change – see Instacart.com for current minimum); however, other fees, taxes, and/or tips may apply. Delivery subject to availability. If you do not currently have a paid or trial Instacart+ membership, by activating your Instacart+ membership, you agree to the Instacart+ Terms and you agree that after the complimentary Instacart+ membership period ends, you will be automatically enrolled in an annual Instacart+ membership and billed at $99/year or the then current annual Instacart+ membership rate for each membership activated, unless you have not placed any orders or you cancel during your complimentary Instacart+ membership period. If you currently have a paid or trial Instacart+ membership, you agree that your existing membership will be paused for the duration of this benefit and resume upon expiration. Your existing membership will automatically renew based on the Instacart+ Terms previously agreed upon unless you cancel. Your membership fees will be billed to any active payment method on file until you cancel. You can cancel your Instacart+ membership prior to the end of your complimentary Instacart+ membership period or at any time thereafter by selecting "Cancel Membership" in your Account Settings. Cancellation goes into effect during the next billing cycle. You may cancel within the first 15 calendar days of your paid Instacart+ membership and receive a refund of the Instacart+ membership fee you paid, but only if you have not placed any orders using your Instacart+ membership. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Your complimentary membership benefits may be removed if your eligible credit card account is closed or in default.

Statement Credit on Instacart Purchases: Earn up to $15 per calendar month (for Chase Sapphire Reserve and J.P. Morgan Reserve cardmembers) in statement credits on qualifying Instacart purchases from 8/1/2022 through 7/31/2024 when you activate a complimentary Chase Instacart+ membership on Instacart.com/chase with your eligible Chase credit card. You can check the status of your enrollment in the Chase benefit within the Instacart+ section of the Instacart mobile app. You will continue to receive statement credit benefits regardless of whether you choose to renew your Instacart+ membership at the end of your complimentary period. Qualifying Instacart purchases include only those orders purchased by you, or an authorized user, with a Chase Sapphire Reserve credit card through Instacart.com or the Instacart mobile application (gift cards excluded). Statement credit(s) will post to your account within 48 hours of your qualifying Instacart purchase posting to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. Statement credits will be issued for the calendar month in which the transaction posts to your account. For example, if you pay for an Instacart order, but Instacart does not post the transaction until after the current calendar month ends, the cost of the Instacart purchase will be allocated towards the next calendar month's maximum, or will not qualify if the promotional period has ended. If you change to another Chase credit card during the promotional period, your benefits may change. Mobile applications, websites and other information provided by Instacart are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Accounts must be open and not in default at the time the statement credit posts to your account.

Earn 10 or 5 total points ("10X or 5X total points") on Peloton equipment and accessory purchases through 03/31/2025: You'll earn a total of 10 (Sapphire Reserve or J.P. Morgan Reserve) or 5 (Sapphire Preferred) points for each $1 spent on up to $5,000 in total purchases when your card is used for Peloton equipment and accessory purchases over $150 through Peloton from 02/01/2023 through 03/31/2025. That's 9 (Sapphire Reserve or J.P. Morgan Reserve) or 4 (Sapphire Preferred) points on top of the 1 point you already earn on these purchases with your card. Only purchases made directly through Peloton – through onepeloton.com , over the phone, or in a Peloton showroom – are eligible. Purchases made outside the U.S. are not eligible. Gift cards, and apparel are not eligible. Points earned on the purchase of Peloton equipment and accessory purchases will be deducted from the cardmember's account if the order is cancelled or returned. Purchases must post to your account by the last day of the promotional period to qualify. Sometimes your card will be charged on a date after you make a purchase, such as the shipping date, and as a result the purchase may not post to your account until after the last day of the promotional period. Please allow 6 to 8 weeks after qualifying purchases post to your account for points to post to your account. To qualify for this bonus offer, account must be open and not in default at the time of fulfillment. This bonus offer is non-transferable.

50% More Through Chase Ultimate Rewards: When you use points to redeem for cash, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth $.0150 (one and a half cents), which means that 100 points equals $1.50 in redemption value, and points are worth 50% more than if redeemed for cash. For example, 60,000 points are worth $900 when redeemed for travel purchases, or $600 when redeemed for cash. The cost of travel is based on the rates and fares available through Chase Travel, including the online portal and call center, and may not reflect all rates and fares that are available through other sales channels. If you choose to use points and your Chase Sapphire Reserve credit card to pay for your purchase, each point will be worth $.0150, but your credit card will be charged the full remaining dollar amount.

Avis Terms and Conditions Discount applies to base rate only at participating locations when booked directly through Avis by using the Visa Infinite code. These discounts are administered by the rental car providers directly and cannot be used when booking through Chase Travel nor can Ultimate Rewards points be used as payment when booking directly with the merchant. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional terms such as Loss Damage Waiver (LDW) up to $30 per day are extra. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National Terms and Conditions Discount applies to base rate only at participating locations when booked directly through National Car Rental by using the Visa Infinite code. These discounts are administered by the rental car providers directly and cannot be used when booking through Chase Travel nor can Ultimate Rewards points be used as payment when booking directly with the merchant. Discount varies by rental date, location and vehicle type. Taxes, other governmentally-authorized or imposed surcharges, license and concession recoupment fees, airport and airport facility fees, fuels, additional driver fee, one-way rental charge and optional items such as Loss Damage Waiver (LDW) up to $30 per day are extra. In the U.S., check your insurance and/or credit card for rental vehicle coverage. Renter must meet standard age, driver and credit requirements. 24-hour advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. Visa Terms and Conditions Benefits referenced on this page are current as of 03/2024 . Benefits are subject to change by Visa at any time, in accordance with Visa's notification policies, and are based on the individual merchant's terms and conditions. Only the benefits listed on this page are available with this Chase Visa Infinite product; Visa's website may describe additional Visa Infinite benefits not offered on this card. Void where prohibited or restricted by law. Any taxes are the sole responsibility of the purchaser. Many of the stated benefits and services of this product are provided by third parties who are solely responsible for their provision or fulfillment. The US Visa Infinite card does not include global application of all Visa Infinite related benefits at this time. There are some benefits Visa has sourced that are global but as a general matter Visa Infinite benefits are specifically sourced by region unless otherwise stated.

Account Alerts: Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Chase credit cards are consumer credit cards issued by Chase, small business cards are excluded at this time. For Chase Pay Over Time at checkout on Amazon.com, Amazon Visa and Prime Visa cards and Chase Mastercard credit cards are also excluded. Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com or the Chase Mobile App. Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month's subscription fee will be eligible. If available for your account, the option to choose "financing offers available" will appear at checkout. Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

Chase Mobile App: Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.

Chase Sapphire Reserve Card named "Best Premium Travel Credit Card" by NerdWallet writers and editors. Source: NerdWallet's "Best-Of Awards 2024," January 2024. NerdWallet is paid a fee for each approved Chase Sapphire Reserve credit card account referred through its site, however NerdWallet editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Chase does not exercise any editorial control over their credit card awards or reviews, the opinions expressed are their own.

Chase Sapphire Reserve ranked as "Best Card for Travel Insurance" by Forbes Advisor. Source: The Forbes Advisor Awards, February 2024. Forbes Advisor is paid a fee for each approved Chase Sapphire Reserve account referred through its site. Chase does not exercise any editorial control over Forbes Advisor credit card reviews.

INSTACART ® , the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart may not be available in all zip or post codes. See Instacart Terms of Service for more details.

Chase Sapphire Reserve credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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Why the Chase Sapphire Reserve and Ink Business Preferred combo is perfect for couples who travel

T he Chase Sapphire Reserve® and the Ink Business Preferred® Credit Card are two of our favorite travel rewards cards . Most travelers only get one of these cards, but there is an argument for some households to have both cards.

In particular, some couples may benefit by one person getting the Chase Sapphire Reserve and the other person getting the Ink Business Preferred . These cards can form the perfect combination for couples who sometimes travel separately or use travel providers that require travelers to use a credit card in their name when booking travel. Here's why.

Card benefits

The Chase Sapphire Reserve and Ink Business Preferred each provide valuable perks. Here's a quick overview of these two cards:

Both cards also offer valuable travel insurance , including trip delay reimbursement , baggage delay insurance , lost luggage reimbursement and trip cancellation and interruption insurance .

However, the travel insurance offered by the Chase Sapphire Reserve is slightly better. For example, if you pay for your common carrier fare with the Ink Business Preferred, trip delay reimbursement requires a 12-hour (or overnight) delay. In contrast, if you pay with the Chase Sapphire Reserve, it only requires a six-hour (or overnight) delay.

Related: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

2 is better than 1

You might consider getting the Chase Sapphire Reserve and paying an additional $75 annual fee to add your partner as an authorized user .

After all, Chase Sapphire Reserve authorized users get a card in their name, including access to the standard earning rates and travel insurance when using the card, and a Priority Pass Select membership .

But by paying a slightly higher combined annual fee, your partner could get their own Ink Business Preferred . They'd need to be eligible for a small-business card , but many hobbies and side hustles can qualify you for a small-business card.

The Ink Business Preferred's current sign-up bonus — 100,000 bonus points after spending $8,000 on purchases in the first three months after account opening — is certainly appealing. Based on TPG's valuations , this bonus is worth about $2,050.

By getting and keeping both cards, you'll also get access to two sets of Chase Offers . And you'll have two separate accounts that earn well on travel purchases if one of your cards becomes compromised while traveling together.

Related: Why you should carry a backup credit card while traveling

Transfer rewards between accounts

You might worry that one negative of you and your partner having multiple Chase cards is that your points will be separated. But Chase lets you combine Chase Ultimate Rewards points with "another Chase card with Ultimate Rewards belonging to you or one member of your household or owner of the company."

So, you can combine your points if your partner is a household member. This is particularly important if you want to redeem points for travel through the Chase Travel portal since Chase Sapphire Reserve accounts can do so at a rate of 1.5 cents per point — 0.25 cents per point higher than the rate you'd get if you redeemed from an Ink Business Preferred account.

But it's also useful if you plan to redeem your Ultimate Rewards points by transferring to one of Chase's 14 transfer partners . After all, you can only transfer points to "partner program accounts belonging to you or one additional household member who is listed as an authorized user on your Chase credit card account."

So, if your partner needed more Air France-KLM Flying Blue miles to book an award flight and doesn't have enough Ultimate Rewards points in their account, you could move Ultimate Rewards points from your account to theirs (even if they aren't an authorized user on your account). Then, they could transfer Ultimate Rewards points to Flying Blue for their redemption.

Related: How to redeem Chase Ultimate Rewards points for maximum value

Alternate combinations

You might wonder whether you could replace either of the cards in this combination and still get similar benefits. Here's a look at two alternate combinations you might consider:

Chase Sapphire Preferred Card instead of the Chase Sapphire Reserve

You might consider getting the Chase Sapphire Preferred® Card instead of the Chase Sapphire Reserve. After all, the Chase Sapphire Preferred Card has a significantly lower $95 annual fee, doesn't charge an additional fee for authorized users and offers 3 points per dollar on online grocery purchases and select streaming services.

But, the Chase Sapphire Preferred only gives 1.25 cents per point when you redeem for travel booked through the Chase Travel portal (whereas the Chase Sapphire Reserve gives 1.5 cents per point). And the Chase Sapphire Preferred Card earns fewer points than the Chase Sapphire Reserve on most travel.

Plus, the Chase Sapphire Reserve provides a Priority Pass Select membership and an up to $100 Global Entry ( increasing to $120 in October), TSA PreCheck or Nexus application fee credit every four years.

Related: Chase Sapphire showdown: Sapphire Preferred vs. Sapphire Reserve

Chase Sapphire Preferred Card instead of the Ink Business Preferred

You might also consider getting the Chase Sapphire Preferred instead of the Ink Business Preferred , especially if you aren't eligible for a business credit card .

The two cards offer similar travel insurance and annual fees. And the Chase Sapphire Preferred offers some additional bonus categories and up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.

But, if you opt for the Chase Sapphire Preferred instead of the Ink Business Preferred, you'd miss out on the Ink Business Preferred bonus categories. In particular, you'd earn less on most travel purchases.

Related: Why I chose the Ink Business Preferred over the Chase Sapphire Reserve

Bottom line

The Chase Sapphire Reserve and the Ink Business Preferred card combination is a good choice for couples who travel frequently. In particular, this combination is best for couples who sometimes travel separately and often need to book travel on a card in their name.

However, some couples may get better value from an alternate card combination or from simply opening one card account and adding an authorized user . So, consider how you'll use your cards and redeem your rewards when deciding on a credit card strategy .

Related: How to complete a Chase business credit card application

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

Chase Sapphire Lounge by The Club at LaGuardia Airport [Review]

Michael Y. Park

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Chase Sapphire Lounge by The Club Location

Gaining entry to the sapphire lounge, first impressions, main lounge, fireplace lounge, family room, table service, arcade room, wellness room, reserve suites, staff and service, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

LaGuardia Airport’s been the butt of jokes in New York City for as long as anyone here can remember, from its too-short runways that seem to dare pilots to dip their toes in Flushing Bay to terminals that leave confused tourists wondering whether the airline had played a joke on them and left them stranded in a decrepit Midwestern bus terminal instead of introducing them to the majesty of the City That Never Sleeps.

But like the girl in the movies who takes off her glasses and becomes prom queen, LaGuardia’s suddenly getting all the right kind of attention. A much-needed makeover rebuild of the airport has made it arguably the chicest way to say goodbye to New York City.

And the jewel in the prom queen’s tiara? The new Chase Sapphire Lounge by The Club, which opened on January 16, 2024

Before I boarded a flight to Dallas with my kindergartener in tow, I made a point of going to LaGuardia Airport a couple of hours early on a Friday, even through a surprise earthquake , to check out the lounge every flyer in New York’s been talking about

The main entrance to the Sapphire Lounge is in the east hall of the airside part of Terminal B of LaGuardia Airport (LGA) , right at the point of The Elbow. If you’re familiar with LGA, you know exactly the sharp left turn I’m talking about: between the Centurion Lounge and the puzzlingly named Brooklyn Diner.

(LGA’s in the borough of Queens, and probably 95% of the tourists who come to LGA go straight to Manhattan. There are no Brooklyn Diners in Brooklyn. There are , however, 2 “Brooklyn” Diners in tourist-trap areas in Manhattan.)

On our visit, a pair of friendly lounge staff members were at the entrance to the Sapphire Lounge, welcoming people in. Or maybe it’s more accurate to call it the entrance to the entrance since this level was home merely to the elevators to the Sapphire Lounge.

When we arrived in the late morning, there was no wait to get in, but a line had formed by the time we left midday.

The elevators led down to a hallway that led to the actual reception desk, where attendants scanned my Priority Pass Select card (which I’d enrolled in through my Chase Sapphire Reserve ® ) and welcomed us in. Noticing I had my young son with me, a woman at the desk personally led us to the family room, pointed out the fun stuff and QR codes for ordering delivery from the kitchen, and wished us a good stay.

Chase Sapphire Reserve ® , J.P. Morgan Reserve Card, and The Ritz-Carlton™ Credit Card holders who’ve enrolled in Priority Pass get access to the Sapphire Lounge and can bring up to 2 guests for free as many times as they’d like throughout the year. Each additional guest costs $27, though Ritz-Carlton cardholders can bring in an unlimited number of guests for no additional charge.

Other Priority Pass members get 1 free visit to any Sapphire Lounge by the Club but must pay $75 for each subsequent visit that year. The exception is the Sapphire Lounge by the Club at Hong Kong International Airport (HKG), where vanilla Priority Pass members have unlimited access.

The Sapphire Lounge at LGA is open daily from 4:30 a.m. to 9:30 p.m. Unless you have a connecting flight, you can enter the lounge up to 3 hours before your flight departs.

Want to learn more about what you can do with a Priority Pass membership? Read our full guide to the best Priority Pass lounges in the world !

If you’ve ever seen Monty Python’s “The Meaning of Life,” you may remember the final scene, in which the Grim Reaper escorts a group of discombobulated guests from an unintentionally fatal dinner party through a pair of doors that lead to a massive dinner-theater restaurant. That place turns out to be a highly choreographed, lavishly gluttonous, beautifully backlit heaven.

Walking into the Sapphire Lounge at LGA was kind of like that, minus the musical number, Tom Jones impersonators, and Christmas-themed nudity.

There have been more than enough articles to go around, from the press preview and after, detailing the lounge’s effortless style, the amazingly effective recessed ceiling lighting, and design elements like the bottom-lit winding staircase that make seemingly every first-timer go “Wow.” But, yeah, they did a good job here.

The art was tasteful and “real” New York throughout — I didn’t see a single black-and-white city skyline photograph, yellow cab, Statue of Liberty, or floating hot dog the entire time I was here.

Though relegated to the empty elevator hallway upstairs, for example, a painting dominated the floor once you noticed it. It was by Matthew Kirk, an Arizona-born, Wisconsin-raised Navajo painter who now lives in Queens. And that’s about as New York as you can get.

However, there were no windows, meaning no apron views and no natural light. It wasn’t a big deal at first, as the lounge was ingeniously lit to make it seem light and airy rather than dark and cavernous. But as we neared the end of our third hour in the lounge, I found myself craving sunlight and open spaces, especially as the place started to fill up more.

Nothing in the lounge seemed to have been affected by the earthquake the area experienced while I was in the lounge besides staff and guests trading “I felt shaking” and “I didn’t feel a thing” earthquake stories.

For a complete walk-through of the lounge, check out the video tour below:

The circular bar served as the hub from which the other sections of the lounge radiated. The staircase to the upper level coiled up gently behind the bar.

To one side was the buffet and buffet seating — mostly 2-tops and a couple of banquettes, but also an island counter with chairs.

Opposite that space was more leisurely seating, which had a healthy mix of seats — and lots of them. The infatuation with the lounge is real, though, and it became harder as the day wore on to find empty seats. (We arrived late morning and left a little past midday.)

Off the main area was a rectangular annex with a faux fireplace (orange LEDs and cool water vapor — of course my son immediately stuck his hand in to make sure) and an open side room with couches that seemed intended for small groups to take over.

The other side of the fireplace lounge had orange side-by-side couple loveseats, and I honestly can’t think of a better thing to call them except to fall back on old layout terms and describe them as parentheses where the layout designer had really messed up the kerning (I’m assuming to try to squeeze in 1 last classified ad).

They looked like they must’ve been a smash during the design stage but seemed really awkward to use in real life. They were too intimate to share with a stranger or coworker, but if you were sitting in them with your partner, family member, or close friend, wouldn’t it feel unsettling and unnatural to be facing opposite directions? Plus, only 1 side got a table.

There were open work booths and cubicles with doors around the Loneliest Loveseats in the World.

In a corner of the lounge by the entrance was the family room, which featured banquette seating, soft ottomans, and a circular bench sheltered by a fake tree. The light in the family room was fairly dim and really yellow, for some reason. I suppose it was supposed to convey warmth.

There was a blue velvet curtain leading to the game room (on which more later). To one side was a playroom for toddlers and babies, a more brightly lit space happily decorated with upbeat retro banking posters and littered with foam blocks and toys. On the far wall, 2 pear-shaped nooks provided perches for parents to watch over their wee ones.

Once I could drag my kid away from the game room and family room, we naturally raced up the winding staircase to the second floor, which was mostly more armchairs circling a pillar sculpted like a tree trunk doing the mambo (as seen from behind).

Toward the front wall, the second floor led to an emergency exit, a pair of elevators, and the Reserve Suites.

This level also had great views of the action below.

That is, if people checking their phones, working on laptops, and feeding themselves buffet food is how you define “action.”

It was easy to find power outlets throughout the lounge , usually under benches or counters. They were frequent and spaced out evenly enough that there never seemed to be that awkward moment with your neighbor that feels as fraught with potential danger as staking a mining claim during the Gold Rush. Even the baby playroom had lots of underseat electrical outlets, which you can look at as a good or a potentially very bad thing.

Food and Beverage

The buffet was well-stocked, with a good variety of choices that staffers constantly replenished . It was an open kitchen, so you could see the employees making the dishes, plating them, and filling empty spots with attractive ranks and files of foods on black or white ceramics.

There were 2 buffets arranged in an L, but it wasn’t a strict cold-hot split.

One had mostly cold dishes like fresh ricotta with basil and a strip of marinated red bell pepper; pesto burrata; flatbreads with harissa; and the desserts.

This half of the buffet also had beet-and-apple salad and kale salad with smashed avocado — between the buffet and the à la carte delivery menu, I think vegetarians and vegans would’ve felt like they had a reasonable selection in this lounge, but I’ll defer to Upgraded Points contributor Ryan Smith ‘s take when he comes through LGA.

The staff had done an admirable job of keeping the plates and bowls nice and neat and orderly, but all sugary hell had broken loose by the time we got to the desserts, which I blame on less-than-meticulous guests rather than the lounge employees. That’s what you get for working with confectioners sugar, I guess.

Standing guard over a corner was a mostly untouched bowl of oranges and individually wrapped green apples and 2 jars of biscotti (chocolate and almond).

The other side of the buffet had hot and cold foods, like salt cod brandade and Korean fried chicken alongside Caesar salads and steamed cauliflower with harissa.

I took a tray of buffet foods back to our encampment in the family room and tried a bite or 2 of each. The fresh ricotta was the winner, creamy without being cloying, a great base for the sweetness of the red pepper and the vaguely minty sharpness of the basil to play against.

The grilled cheese was visually gorgeous but a gustatory disappointment. I’m firmly in the camp that believes grilled cheese has to be fresh to be even decent, and this sandwich was cool and hard by the time I got to it. I couldn’t tell what kind of cheese was used at this point because it had turned to plastic, but I guessed it was a mild cheddar.

Plus, it had been drizzled in honey and had pistachios crumbled over it. Way too much was going on for a sandwich that’s all about its simplicity — had someone taken a dare to turn baklava into a luncheon main course? Granted, an airport lounge kitchen isn’t the place for short-order cooks, but if you’re going to have mediocre grilled cheeses, you should at least offer a hot, creamy tomato soup for diners to attempt to revive them with.

The salt cod brandade was unctuous but parsimoniously portioned once you dug through the Arrakis-sized dunes of toasted breadcrumbs. The cauliflower was … cauliflower.

To be transparent, I could only manage a couple of bites of the buffet foods because we’d already had a full lunch thanks to the lounge’s table service. (So, yes, I’m doing this kind of backwards, but people always seem to want the buffet stuff first.)

Tables in the lounge were numbered and labeled with an associated QR code. Scanning the code on my phone brought up a made-to-order delivery menu with mostly fan-favorite dishes you couldn’t normally find at the buffet, like seared salmon and roast beef sandwiches, and at least 1 vegan and gluten-free dish of tofu with shirataki noodles.

I ordered a hamburger, which came with a tomato slice, lettuce, and fries. I was allowed to request a temperature for my burger … sort of. When I clicked on the burger line in the menu, a pop-up asked if I wanted my burger well done. I definitely didn’t (I’m usually a medium rare, rare, or even blue guy when it’s good meat), so I was careful not to check “well done,” which I suppose means I ordered my burger “not well done.”

It came well done.

But don’t get me wrong! It was still good — probably the best hamburger I’ve eaten within 1 mile of a commercial airplane.

The delivery wasn’t quick , and the other families in the room seemed to have been waiting longer than they’d expected, as well. It didn’t seem to be an issue just in the family room, either: Later, at the island counter near the buffet, a man asked everyone nearby if they wanted his roast beef sandwich whenever it was finally delivered since he was going to miss his flight if he kept waiting.

About 20 to 25 minutes after I’d ordered our lunches, at which point my son had tired of waiting and was off exploring nearby, the food came — and was delivered to the wrong family . Apparently, the tables had been moved around, and the server, working by memory, delivered to the table in our QR code’s usual place in the corner. It was all cleared up quickly, though.

So I had and enjoyed my burger. And my son ordered …

Actually, guess what my American-raised kindergartener wanted to eat. Go ahead, take a wild guess.

I’ll wait a couple more seconds for those without kids.

If you guessed my young child refused to each anything but chicken tenders, you can award yourself 10 UP Lounge Review points. (If you said, “chicken nuggets,” that counts, too.)

So my son ate 2 bites of 1 chicken tender, declared them “not good” and immediately disappeared into the arcade. I took a bite myself and agreed — they weren’t made from juicy, whole cuts of chicken breast but had that dry, gritty feel of reconstituted scraps of various dark and white meat. The breading, however, was thick and nicely crunchy.

The steak fries accompanying both my burger and his tenders were fine — not the best I’d ever had, but probably the best fries I’d had in an airport lounge. (Or airport, for that matter.) They were basically standard diner fries, which is usually a good thing. My son reappeared from the game room long enough to make those disappear.

Our food came with a separate saucer with a generous dab of ketchup. We’d ordered a chocolate chip brownie that arrived in its package and survived long enough for my son to share it with family in Texas. It was a decently moist and chocolatey packaged brownie, and not overpoweringly sweet.

I didn’t have a chance to really patronize the bar, which was fairly full during our midday visit.

Attentive bartenders watched over every quadrant of the counter, which was filled with lots of guys working on their laptops or tapping furiously on their phones.

When the lounge opened, Chase made a big deal of the bar’s menu being curated by Apotheke Chinatown , which is a real bar that New Yorkers actually go to and not a pretend place that’s just there to fool tourists at the airport into thinking they’re partaking of 1 last “authentic” experience. (I’m looking at you, “Brooklyn” Diner.) The bar serves the lounge’s signature cocktail , the Sapphire, made of gin or vodka with blueberry and goldenberry juices, lime, ginger, bee pollen, and spices.

But I didn’t have a drop to drink during this visit, because I was on dad duty. I didn’t order anything for myself from the bar, cocktail or not, but the bartender was quick to respond and helpful when I asked him to refill my kid’s “Moana” water bottle, and even put in ice.

There were 2 drink counters in the lounge on opposite sides of the lounge: 1 by the buffet and the other in a screened-off corridor between the family and wellness rooms and the fireplace lounge. The counters had self-serve espresso machines and cold brew, fruit-infused waters, teabags, and bowls of fruit.

A knee-high minifridge held carbonated soft drinks, apple juice boxes, and flavored seltzer water.

As you might’ve guessed by now, we spent about half of our total time at the Sapphire Lounge in the game room, which you accessed via a “secret” corridor hidden by blue velvet curtains in the family room. It went almost entirely unused by anyone else almost our entire stay.

We amused ourselves with the tabletop shuffleboard-type game way longer than I would’ve expected, and the board was fairly well taken care of, though no one had swept the sand from the surface all day, apparently. There were no instructions or information about what the game was actually called (and no one we asked could agree on the name), but I just assumed it followed the fairly universal pétanque-type rules.

It took a while for my purely 21st-century child to wrap his mind around the idea that the only purpose of an appliance bigger than our oven was to play songs, and only some hundreds or a couple thousand of them, but he enjoyed watching the jukebox physically pick up and play the records. There were no instructions for how to use the odd number system to select or play records, so the music we got was essentially random. (It was almost all oldies.)

There was a small New York-themed pinball machine in the other corner, but it was out of order.

On a counter was a small rack with postcards with photos of the West Village. Though Terminal B does have mailboxes, these postcards didn’t come stamped, so it’s not like you could send a last merry “wish you were here” to friends at home for them to read weeks after you saw them again in person. (Unless you’re the kind of person who regularly works visits to local post offices into your vacations.) It wasn’t clear whether you could ask the front desk at the lounge to stamp and send these postcards for you, or, if they did, whether they would do so for both U.S. and international addresses.

Directly behind the velvet curtain from the family room was a photo booth, which we stepped through to get to the arcade proper.

Once the machine took our photos, I typed in my email address for the photo to be sent to me. It was a fun feature that entertained my son and other kids for longer than you’d think, but the photos we were emailed looked terrible and not at all like what we were shown on the screen — the fact that the only light was directly above and rather harsh made everything unflattering and weirdly lit, too, turning smiling visages into shadow-filled skull faces — if you fit in the frame. Suffice it to say my email account was soon clogged with badly lit photos of the top of my kindergartener’s head.

To say the arcade, indeed much of the lounge, was an exercise in nostalgia wouldn’t be wrong. The records (actual records!) were at least 40 or 50 years old, and all showed the creases and fading of artifacts from bygone eras.

More out of reach were replicas and designs that evoked an age when people flocked to the bright lights of the Great White Way and New York City was the broadcast capital of America, with big bands blasting dance tunes over radio waves when they weren’t dominated by tales of tough guys saying things to each other like, “See here, fella!”

The QR codes at the table didn’t just bring up food menus — you could also reserve a time at a wellness room right down the corridor by the family room. The lounge offered free, 30-minute facial treatments with Face Haus products and a free Face Haus skincare travel kit.

Have you ever even attempted to persuade a 6-year-old boy to try or wait around while you tried a 30-minute facial for work? Neither have I.

But Upgraded Points News Managing Editor Stella Shon visited around the same time we did, and I’m sharing her photos of the wellness rooms here. Thanks, Stella!

The wellness rooms had their own check-in desk so that guests didn’t just walk into the rooms and start squirting glops of product on their faces and hair.

Wellness rooms featured reclining dentist-style chairs for clinicians to work on beautifying guests.

The room looked immaculate.

Stella managed to snap a photo of the wellness menu and available treatments, which made claims about doing various things to your hair, skin, lips … and, look, you might as well be talking to me about the extracellular matrix proteins in sea cucumbers, I’m so lost here.

The Reserve Suites were on the upper level and had their own reception desks. A kind woman told us the suites were already booked but that we would’ve had to reserve 72 hours ahead of time and shell out $2,200 to $3,000 for 3 hours .

Stella got inside a suite and took these photos, however, which I’ll try to explain like a guy who’s never left Michigan narrating a slideshow about the coming-of-age ceremonies of the Bembu people of Zambia.

According to Chase’s website , the Reserve Suites come with caviar service upon arrival, suites-only menus, suites-only wine selections, a TV, and private bathrooms and showers . (The rest of the lounge doesn’t have showers. Or caviar, for that matter.)

Apparently, each suite also has its own dining table, bar counter, and … miniature black hole set into the wall?

Oh, hey! It’s the TV!

Apparently, the suites are well-kept and have some sort of circle theme throughout.

My biggest gripe with the lounge as a whole was that there were no showers for “regular” lounge guests . That wouldn’t be an issue for Reserve Suites guests, of course, but is $2,200 really worth it for a shower? Even if you took a 3-hour shower? That’d be $733.33 per hour for vertical hot water!

They did have rainfall showerheads, though.

The Sapphire Lounge couldn’t have you refresh yourself with a nice, hot shower only to dry off by shaking yourself like a shaggy dog, could it? Towels and robes were, of course, included.

Also, there were lotions and serums and the like.

And more skin stuff. Sea cucumbers, man. Sea cucumbers.

The Sapphire Lounge had fast Wi-Fi that was strong throughout the space, though I wasn’t able to crack open a laptop or run a speed test while I was there. I will note that there were many, many people working on their laptops during our visit, seemingly without issue.

The bathroom at the Sapphire Lounge was clean but relatively bare-bones. It had large stalls but no extra amenities like toothbrushes, disposable razors, or cologne, and there wasn’t an attendant.

Who uses those big bottles of public bathroom cologne, anyway? What’s the story behind how that became a thing the people who stocked public restrooms thought might be a good idea?

The handicapped stall was large, and the walls and doors, though they didn’t go all the way down to the floor, were at least ankle height and not knee height, so you got a sense of a little more privacy than in most public lavatories.

When we went, it’d apparently been a while since it had been tended to. It was clean, but the toilet paper was hanging loose.

The lounge staff seemed genuinely excited , aware that they were representing possibly the best lounge in New York (maybe even the U.S.), and proud of that fact. You could even see the difference between their faces and postures and those of the more resigned, tired-looking employees checking IDs in front of last generation’s prom queen, the Centurion Lounge, right next door.

The servers were friendly and, though the food didn’t come quickly, were helpful and cleared plates regularly. The staff were mostly proactive about making guests’ stays more pleasant. The kitchen staff quickly made and replaced buffet dishes. The front desk staff immediately ascertained our particular needs as a travel group (1 parent, little kid, bored quickly) and personally took us where we needed to be. (And she was spot on because my son didn’t want to leave “our” spot for a long, long time.)

But it was the staff’s palpable excitement at being front and center at an airport’s A-plus product that really shone through. We’ll have to see if that enthusiasm wears down once the scuff marks begin to show, but at least for now, it’s infectious and made us as feel as keen to experience all the lounge had to offer as they were to share it.

The Sapphire Lounge by The Club at LaGuardia Airport is really, really nice, and lives up to the hype it’s been getting — at least for now. Based on my experience here, eligible cardholders and Priority Pass members should be very excited for Chase to bring more lounges online.

I liked the Sapphire Lounge by The Club at LaGuardia Airport. I liked it a lot. And my kindergartener liked it, too — he was still talking about it hours after we’d landed in Dallas. Prioritizing this lounge is clearly a no-brainer when you’re traveling through Terminal B. The layout is intuitive and uncramped, the aesthetic is tasteful, and the food (and its timing) could use tweaks, but it isn’t half bad.

It’s always great during a grueling layover to know there are clean showers you can take without dipping into your wallet, and this lounge definitely doesn’t have those. Natural light and actual windows are always a plus, but the Sapphire Lounge seems to have cannily designed around its deficits, so you don’t really notice for a couple of hours.

All in all, the Sapphire Lounge by The Club may just be the new lounge to beat in the U.S.

The information regarding the J.P. Morgan Reserve Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The Ritz-Carlton™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Where's the chase sapphire lounge by the club in laguardia.

The Sapphire Lounge is airside in Terminal B between the Brooklyn Diner and the Centurion Lounge.

Are there showers at the Sapphire Lounge at LGA?

The only showers are for those who book Reserve Suites. There are no showers available to other guests.

How much do suites cost at the Sapphire Lounge at LGA?

You must pay $2,200 or $3,000 for Reserve Suites at the Sapphire Lounge, and must book suites at least 72 hours in advance.

Who can use the Sapphire Lounge at LGA?

Chase Sapphire Reserve card, J.P. Morgan Reserve card, and Ritz-Carlton card holders who’ve enrolled in Priority Pass get access to the Sapphire Lounge and can bring up to 2 guests for free as many times as they like throughout the year. Each additional guest costs $27 each, except for guests of Ritz-Carlton cardholders, who can bring in an unlimited number of guests.

Other Priority Pass members get 1 free visit to any Sapphire Lounge by the Club but must pay $75 for each subsequent visit that year.

When is the Sapphire Lounge open at LGA?

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About Michael Y. Park

Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and queen of Malaysia, tramped around organic farms in Cuba, ridden the world’s longest train through the Sahara, and choked down gasoline clams in North Korea.

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Better Together: How to combine Chase Freedom Flex℠ and Chase Sapphire Preferred® Card for maximum travel rewards

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If credit cards were food, the Chase Freedom Flex℠ and Chase Sapphire Preferred ® Card cards would definitely be peanut butter and jelly, respectively.

That’s because both cards start out perfectly solid on their own. Even if you never knew how to combine their powers, you’d be very happy using both on a daily basis. But once you discover how to make a PB & J sandwich, there’s no going back. You’ve discovered a treat that’s sweet, protein-rich and gives you an excellent excuse to eat Wonder Bread. 

It’s the same thing with the Sapphire and the Freedom Flex–combine them, and you’re in for a tasty treat that you wish you’d discovered sooner.

But what exactly is the “PB & J” of Chase rewards? Well, get your favorite white bread ready and let’s find out.

First, a little explanation of benefits…

Before I share the “recipe” to Chase’s PB & J, here’s a quick overview of both cards to provide some context.

Chase Freedom Flex℠

Intro bonus.

Rewards Rates

• 5% 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%)
• 5% 5% cash back on travel purchased through Chase Ultimate Rewards
• 3% 3% cash back on dining (including restaurants, takeout and eligible delivery services)
• 3% 3% cash back on drugstore purchases
• 1% 1% cash back on all other purchases
• 5% 5% cash back on Lyft rides (through March 2025)
• No annual fee
• Easy-to-earn welcome bonus
• Earns up to 5% cash back
• Foreign transaction fee
• Must active bonus categories every quarter
• 5% categories are capped
• Additional perks: Purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership
• Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars

Chase Freedom Flex – 5X rotating rewards

Here are the key highlights of Chase’s peanut butter, the Freedom Flex card. 

• 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%) , with the categories for Q2 2024 including Amazon.com, hotels and restaurants. 
• 0% intro balance transfer APR for 15 months (intro balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days) on both purchases and balance transfers. 
• $200 cash bonus after spending $500 on purchases within your first three months . 
• $0 annual fee

For more detail, check out our full review of the Chase Freedom Flex .

Chase Sapphire Preferred ® Card

• 5x 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit)
• 3x 3x points on dining at restaurants, including takeout and eligible delivery services
• 2x 2x points on travel purchases not booked through Chase
• 1x 1x points on other purchases
• 5x 5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel)
• Valuable welcome bonus
• Extensive list of transfer partners
• Extra value on travel redemptions
• No premium travel perks
• Has an annual fee
• Additional perks: $50 annual hotel credit, trip cancelation/interruption insurance, auto rental collision damage waiver, complimentary Doordash and Instacart+ membership along with quarterly Instacart+ credits
• Foreign transaction fee: None

Chase Sapphire Preferred – a grab bag of travel perks 

In a similar vein, here’s a quick breakdown of Chase’s homemade grape jam, the ever-popular Sapphire Preferred card: 

• 2x points on travel purchases , plus 3x points on dining, 3x points on select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs), 5x points on travel purchased through Chase Travel℠ and 1x points on other purchases. 
• 25% travel redemption bonus when you redeem your Chase Ultimate Rewards points through Chase Travel (e.g. redeem 10,000 points, get $125 in value). 
• 60,000-point welcome bonus after spending $4,000 within three months. 
• $50 annual statement credit good towards a hotel booked through Chase Travel. 
• $95 annual fee

To learn more, check out our full review of the Chase Sapphire Preferred . 

Circling back to our “recipe,” notice how Chase is quick to point out that your 60,000-point welcome bonus is worth $750 in travel redemption–all thanks to that handy 25% redemption bonus. And if you think about it, that means the points you earn with the card are worth 1.25X towards travel, too. 

So in reality, as long as you’re redeeming points through Chase Travel, your rewards chart really looks like this: 

• 5X > 6.25X on travel booked through Chase Travel
• 3X > 3.75X on dining/online groceries/streaming
• 2X > 2.5X on general travel
• 1X > 1.25X on everything else

Those are some mighty impressive earnings rates, lending even more value to the CSP as a travel companion. 

But here’s the crazy thing: that 25% bonus multiplier applies to every Chase Ultimate Rewards point you earn, regardless of which card you earn it with . 

Here’s how it all works. 

Here’s how your Chase Sapphire Preferred account lets you earn 6.25X with your Freedom Flex card

In our Chase Ultimate Rewards guide we outline all of the dozen-ish ways you can redeem your hard-earned Chase points. From trips to back massages to cash back, there’s hardly a bad option. 

But perhaps the most underrated option is the Combine points feature. 

Combine points allows you to move Chase Ultimate Rewards points from one Chase card to another–meaning you can earn points with one card–and spend them with another. Another that has, say a 25% points multiplier on points redeemed for travel…

As you can see, the option only applies to Chase rewards cards that generate Chase Ultimate Rewards points. So the Prime Visa and the IHG One Rewards Premier Credit Card cards, for example, won’t appear here–but your Freedom and Sapphire cards will. 

Unlike a bank transfer, combining Chase Ultimate Rewards points is free and instantaneous. Plus, you can always move the points back if you wish (although I’ve never found a reason to move points from a Sapphire card back to a Freedom card).

Then, as soon as you’ve combined all of your Chase Ultimate Rewards points into your Sapphire account, you can go spend them at Chase Travel where you’ll get an extra 25% in value: 

This trick also works with the Chase Sapphire Reserve card where you’ll get 50% extra value (provided you’re cool with the card’s $550 annual fee). 

Now, while I heartily recommend this trick to most travelers I meet–especially if they already have both cards–you should know that it still comes with three big caveats. 

PB & Js aren’t perfect, and neither is this trick

Though delicious, peanut butter and jelly sandwiches aren’t perfect. They’re high in fat, sugar and carbohydrates, and unlike the Chase Sapphire Preferred card, they don’t travel especially well. 

In a similar vein, here are the caveats to the “PB & J of Chase cards”: 

• The Chase Sapphire Preferred card charges a $95 annual fee and requires a 670+ FICO score to apply. 
• With the Chase Freedom Flex, you can only earn 5% cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1%) (generating 7,500 Chase Ultimate Rewards points worth $93.75). 
• Hotel rooms booked using points typically don’t generate any additional rewards or allow you to utilize your status benefits. 

But if you’re OK with these caveats, I hope you enjoy this simple recipe for tastier travel rewards.  And for more tips to help you get off the ground–quite literally–check out our Beginner’s guide to travel rewards .

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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Top CD rates today: Rates continue to be competitive — May 1, 2024

Taylor Tepper

Megan Horner

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Published 9:37 a.m. UTC May 1, 2024

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Certificates of deposit (CDs) are a good option if you want a low-risk investment that will earn income on cash you don’t need immediately. Based on Curinos data, CD rates have been relatively stable over the past week even in the midst of a rate hike pause by the Federal Reserve. The national average for a 6-month CD with a $25,000 deposit stands at 1.77%, while a 1-year CD currently yields 1.94%. Additionally, 2-year and 3-year CDs offer average rates of 1.70% and 1.61% respectively.

Three-month CD rates

Rates on three-month CDs have remained stable since last week at 1.25% APY (as of April 30, 2024). The average APY is down three basis points from a month prior.

The current national high for a three-month CD is 5.39%, which would earn more than $330 in interest with a $25,000 deposit.

Six-month CD rates

By choosing a top-rated six-month CD, you benefit from a winning mix of competitive interest rates and a short-term commitment.

The national average APY for six-month CDs is 1.77%, the same as last week and up from 1.75% one month ago.

The current top national rate for a 6-month CD is 5.45%, according to the data available from Curinos. Shopping around can help you find better deals.

With that rate, you’d earn almost $680 in interest if you deposited $25,000.

One-year CD rates

If you’re willing to lock away your savings for 12 months, you can pick up even better rates. One-year CDs can give you returns as high as, or even higher than, longer-term options.

Rates on 12-month CDs are increasing. The national average APY is 1.94%, up one basis point from last week and three basis points from a month before.

The current national high for a 12-month CD is 5.37%, which would earn around $1,340 in interest with a $25,000 deposit.

Two-year CD rates

Interest rates on CDs with longer terms, such as those spanning two years, are also on the rise.

The national average APY is 1.70%, a one basis point jump from last week and up two basis points from one month ago.

Right now, the highest national rate for a 24-month CD is 5.03%, which would earn nearly $2,580 on $25,000 in savings.

Three-year CD rates

The national average APY for a three-year CD stands at 1.61%, up slightly from last week and up one basis point from a month ago.

The highest rate was 4.85%, which would net almost $3,817 in interest if you invested $25,000.

Methodology

To establish average certificate of deposit (CD) rates, Curinos focused on CDs intended for personal use. CDs that fall into specific categories are excluded, including promotional offers, relationship-based rates, private, youth, senior, student/minor, affinity, bump-up, no-penalty, callable, variable, step-up, auto transfer, club, gifts, grandfathered, internet-only and IRA CDs. The average CD rates quoted above are based on a $25,000 deposit.

Frequently asked questions (FAQs)

Generally, the earnings you make from your CDs are considered taxable income by the IRS. If you earn $10 or more, the financial institution should send you (and the IRS) a yearly 1099-INT form reporting your interest earnings. Even if you don’t receive a form, you’re still required to report the income.

For earnings of at least $1,500, you’ll need to itemize your interest income sources on Schedule B of the 1040 form. The silver lining is that there are some exceptions, but they mainly apply to government-issued investment vehicles.

The tax amount you pay depends on your specific marginal tax bracket.

Interest income from treasury bills, notes, and bonds, like I bonds, is exempt from state and local income taxes.

CD rates change on a regular basis, but the higher the better. As of April 30, 2024, the national average interest rate for a 12-month CD sat at 1.94% APY, according to data from Curinos. But you can find plenty of banks advertising APYs well above this average, especially if you take a look at the top contenders in our ranking of the best CD rates.

A basis point is the term used to describe one hundredth of one percentage point. Therefore, if the yield on a CD increased from 1.50% to 1.60%, it increased by 10 basis points.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Taylor Tepper is the lead banking editor for USA TODAY Blueprint. Prior to that he was a senior writer at Forbes Advisor, Wirecutter, Bankrate and Money Magazine. He has also been published in the New York Times, NPR, Bloomberg and the Tampa Bay Times. His work has been recognized by his peers, winning a Loeb, Deadline Club and SABEW award. He has completed the education requirement from the University of Texas to qualify for a Certified Financial Planner certification, and earned a M.A. from the Craig Newmark Graduate School of Journalism at the City University of New York where he focused on business reporting and was awarded the Frederic Wiegold Prize for Business Journalism. He earned his undergraduate degree from New York University, and married his college sweetheart with whom he raises three kids in Dripping Springs, TX.

Megan Horner is editorial director at USA TODAY Blueprint. She has over 10 years of experience in online publishing, mostly focused on credit cards and banking. Previously, she was the head of publishing at Finder.com where she led the team to publish personal finance content on credit cards, banking, loans, mortgages and more. Prior to that, she was an editor at Credit Karma. Megan has been featured in CreditCards.com, American Banker, Lifehacker and news broadcasts across the country. She has a bachelor’s degree in English and editing.

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The Guide to Chase Sapphire Reserve’s Car Rental Insurance

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No one ever wants to experience an auto collision or a stolen car, least of all when driving a rental while on vacation. Thankfully, having good auto rental insurance coverage can help take some of the sting out of any vehicular adversity you might have on the road.

While many credit cards offer car rental insurance to varying degrees, having Chase Sapphire Reserve® car rental insurance often negates the need to purchase additional coverage entirely.

That said, it’s important to know how the insurance policy works, what it does and doesn’t cover and how to file a claim if necessary. Here are four things to know about your Chase Sapphire Reserve® car rental insurance.

1. What does Chase Sapphire Reserve® car rental insurance cover?

Unlike coverage offered by some other travel credit cards, the car rental insurance that’s offered with your Chase Sapphire Reserve® card is primary coverage, not secondary. That means you don’t have to report the incident to your personal auto insurance company.

Most cards with secondary coverage require you to file a claim with your personal auto insurance first; you can then file with card benefit services to cover whatever is left. Not so with the Chase Sapphire Reserve® : if the damage is covered, you can leave your personal coverage out of it.

» Learn more: The 10 types of travel insurance of the Chase Sapphire Reserve

As for what your Chase Sapphire Reserve® does cover: up to $75,000 in reimbursement for theft and collision damage, as well as applicable loss-of-use charges, administrative fees, and towing charges. The policy covers most rental vehicles booked and paid for in full with your Chase Sapphire Reserve® , whether you’re renting in the U.S. or abroad.

» Learn more: Reasons why you need a Chase Sapphire Reserve® card

2. Who is covered?

If you need to file a claim, keep in mind that only you, as the primary driver, are covered, plus any other drivers authorized by the rental car agreement.

So if there’s any chance a spouse, friend or family member might get behind the wheel, add their names to the rental agreement to ensure they’re also covered if anything happens.

» Learn more: The guide to Chase Sapphire rental car insurance

3. What’s not covered?

Not all rental vehicles are covered by your Chase Sapphire Reserve® ’s auto rental collision waiver. Here are a few vehicles that are not covered by the policy:

Antique cars.

Cargo vans.

Trucks other than pickups.

Motorcycles and mopeds.

Limousines.

Recreational vehicles.

Passenger vans seating ten or more people, including the driver.

Chase’s car rental insurance also doesn’t offer coverage of the following:

Damage to other drivers’ vehicles.

Medical bills for injuries sustained by you or other passengers.

Damage to any goods inside the vehicle, whether due to damage or theft.

Incidents or damage caused by off-road adventures.

Rental periods that are longer than 31 days.

Any incident where the driver was driving under the influence of drugs or alcohol or participating in illegal activities.

» Learn more: How to find the best travel insurance

4. How to file a claim for car rental insurance

If you must file a claim at some point, it’s important to know how to proceed, starting at the check-in counter. First, when you review and sign the rental car agreement, make sure to decline the car rental company’s collision damage waiver. If you opt in, it will cancel out your credit card’s auto rental collision benefit.

Then, if theft or damage occurs during your trip, call your card’s benefit administrator as soon as possible after the event to report it (the number is on the back of your card).

You’ll also need to gather copies of several documents to support your claim:

The accident report.

The rental agreement.

The repair estimate and itemized bill.

Two photos of the damage, if applicable.

A police report if at all possible.

A demand letter listing the costs you’re responsible for and any amounts you’ve already paid toward the claim.

Send all of these documents to the benefit administrator, along with the Auto Rental Collision Damage Waiver claim form and the credit card account statement showing the rental transaction. Chase recommends filing your claim online at www.eclaimsline.com to make the process as fast and easy as possible.

You’ll have 100 days to report any theft or damage after the incident, 120 days to send in the claim form and 365 days to submit all necessary documentation. But the sooner you file and send everything, the sooner you’ll be reimbursed for any covered expenses.

» Learn more: What your credit card car rental insurance doesn’t include

Chase car rental insurance, recapped

Using a card like the Chase Sapphire Reserve® to pay for your car rental is a savvy way to not only earn valuable Ultimate Rewards® points, but also score coverage for auto rentals.

It can cover costs for damage to or theft of the car without getting your personal car insurance involved.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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