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Do You Need To Set Up a Travel Notice for Your Chase Credit Cards?

Katie Seemann

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Why Would You Want To Notify Chase of Your Travels?

Personal chase credit cards with no foreign transaction fees, business chase credit cards with no foreign transaction fees, final thoughts.

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If you aren’t a frequent traveler, you might be wondering about everything you need to do to prepare for a trip abroad. Of course, you’re considering what to pack and whether or not you should buy travel insurance , but what about your bank?

One of the things you might want to think about is adding a travel alert notification to your credit cards. While this isn’t required, it has historically been helpful to avoid the unnecessary hassle of credit card problems while traveling.

In this post, we’ll talk about setting up a travel notification on your Chase account , whether or not it’s even necessary, and how to avoid foreign transaction fees when using your Chase credit cards abroad.

So, why would you even want to add a travel notification to your accounts in the first place?

Previously, charges from outside the U.S. could trigger a fraud alert, which would temporarily shut down your credit card even if you were traveling abroad. That’s not a great way to start a vacation.

An easy way to avoid that risk was to place a simple travel notification on your Chase account. This allowed your Chase credit cards to be used outside the U.S. without problems.

Thankfully, it’s no longer necessary to set up a travel alert notification with Chase when you’re planning to travel outside the U.S.

Previously, you’d set up a travel alert on your Chase account online or through the Chase mobile app.

You would do this by going to your account, clicking on Profile & settings , navigating to Account Settings , and then clicking Travel .

Now, when you follow those same steps, you get a message from Chase saying that it’s not necessary to set up a travel alert notification anymore .

Setting up a travel alert notification on your Chase account is no longer necessary when you’re planning to travel outside the country.

How To Avoid Foreign Transaction Fees

While you no longer need to set up a travel alert for your Chase credit cards, choosing the right credit card is important to avoid foreign transaction fees.

Certain cards carry a 3% foreign transaction fee anytime you use them outside the U.S. The good news is plenty of cards waive this fee — just be sure to know which cards have no-additional fee and try to use only those on your trip.

Multiple Chase credit cards waive the standard 3% foreign transaction fee. Be sure to carry at least 1 of these while traveling abroad.

The following Chase credit cards do not have any foreign transaction fees :

• Aer Lingus Visa Signature ® Card
• Aeroplan ® Credit Card
• Amazon Rewards Visa Signature Card
• British Airways Visa Signature ®  Card
• Chase Sapphire Preferred ® Card
• Chase Sapphire Reserve ®
• Iberia Visa Signature ®  Card
• IHG One Rewards Premier Credit Card
• Instacart Mastercard ®
• Marriott Bonvoy Bold ® Credit Card
• Marriott Bonvoy Boundless ® Credit Card
• Marriott Bonvoy Bountiful™ Credit Card
• Prime Visa card
• Southwest Rapid Rewards ® Priority Credit Card
• Southwest Rapid Rewards ® Premier Credit Card
• The World of Hyatt Credit Card
• United Club℠ Infinite Card
• United℠ Explorer Card
• United Gateway℠ Card
• United Quest℠ Card
• IHG One Rewards Premier Business Credit Card
• Ink Business Preferred ® Credit Card
• Ink Business Premier ® Credit Card
• Southwest Rapid Rewards ® Performance Business Credit Card
• United℠ Business Card
• United Club℠ Business Card
• World of Hyatt Business Credit Card

Adding an alert to your Chase account before you travel internationally is no longer needed. While this used to be a way to let Chase know you would be out of the country so international activity on your card wouldn’t trigger a fraud alert, today’s more sophisticated technology makes this step unnecessary.

The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bold ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bountiful™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

How do i set up a travel alert with chase.

You don’t. Setting up a travel alert with Chase is no longer necessary.

Do I have to let Chase know that I am traveling?

No, letting Chase know when you travel internationally is no longer required. It used to be common practice to set up a travel alert so international charges didn’t trigger a fraud alert on your credit cards, but today’s more sophisticated systems have made this step unnecessary.

Does Chase no longer require travel notice?

That’s correct. Chase doesn’t require a travel notice at all anymore. The ability to set up a travel notice on Chase’s website has been removed.

Do I need to notify Chase of International travel?

No, it’s no longer necessary to notify Chase of any upcoming travel, including international travel. The ability to add a travel alert notification has even been removed from Chase’s website.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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UponArriving

How to Set Up a Chase Travel Notice (And Why You Should Do It) [2021]

If you’re traveling outside of the country soon you probably want to consider putting travel notices on the Chase credit cards or debit cards that you want to use. If you don’t do that then you run the risk of your cards not working properly abroad and you’ll have to deal with that frustration, which is no fun when traveling.

So avoid the frustration and set your Chase travel notices following these easy steps broken down below.

Interested in finding out the hottest travel credit cards for this month?   Click here to check them out!

Table of Contents

How to Set Up a Chase credit card travel notice

It’s very easy to set up a travel notice for your Chase credit card and bank account. You can set up a travel notice over the phone, via the Chase App, or simply do it online — whichever is more convenient. However, I would recommend doing it online because it is so easy.

Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!

Setting up the notification by phone

If you’re looking for the Chase travel notification number, just call the number on the back of your credit card or debit card.

I’ve made calls from the plane as I’m boarding and Chase handled pretty quickly so it usually doesn’t take the agents very long to put the notification on.

If you’re ever outside of the US you can call Chase collect number at: 1-302-594-8200

Setting up the Chase travel notification online

To set up a Chase credit card or debit card travel notice, it only take a few steps.

The first thing that you need to do is log-in to your Chase account. Once you are logged in, click on “Account management” and then click “Profile and settings.” This will all be found at the top of your screen as pictured below.

Once you are in profile and settings, now you want to click on “Account settings” and then click on “Travel.” To begin the process of adding a travel notification, simply click on “Add a trip.”

At the next screen, you will need to enter some basic information regarding your travels. This information includes the destination, the departure date, and the return date.

Your departure date can be as far as one year out. But n ote that the return date must be within 90 days of your departure date. You can choose different countries or you can even choose specific states within the US for your destination.

Once you click next, you will be asked to add the travel notification to specific cards.

You can choose to add the travel notification to only one or a few cards or you can select to add the travel notification to all of your cards. You can also choose to add a travel notification to a debit card so that your bank account has the travel notification on it as well.

Something that is cool about this screen is that it will tell you whether or not your cards have foreign transaction fees.

If they don’t have foreign transaction fees, that means that you won’t be charged extra to process a transaction in a foreign country. If they do have foreign transaction fees, you will be charged 3% for the transaction. That means that if you make a purchase of $100, you will be charged an extra $3 foreign transaction fee.

If you want a solid credit card that does NOT have foreign transaction fees look into getting the Chase Sapphire Preferred, which comes with a 60,000 point bonus after meeting the minimum spend requirements of $4,000 within the first 3 months.

This is worth over over $1,000 if you use points for premium airfare redemptions!   Find out more details about this card here.

Once you click to move onto the next step, you will then be able to verify your travel notification and submit it.

Setting up the Chase travel notification online (old interface)

If you are somehow still working with the old Chase interface, then the directions below will apply to you. Log in to your Chase account and click on “Customer Center.” In the Credit Card section, you’ll see “Travel Notification Form” which you’ll need to click on.

That will take you to the first step of the travel notification process.

Enter Information

You can submit your travel notifications no more than 365 days before you depart.

Your return date must be no more than 365 days after your departure date. If you plan to travel longer than 365 days, you can extend your travel notification with them by updating the form before your original date of return.

When you begin to enter your information, you should see the full roster of credit card that you have with Chase. In my case, I have six credit cards with Chase.

The travel notification will be put on all of the credit cards.

All you have to do is enter in your date of departure and date of return and enter in your destinations. Chase requests that you input cities for the destination, and I’m not sure if it will work if you enter countries.

Verify your information

Next, all you have to do is verify your credit card information and your travel dates and destinations.

Once you do that you’ll move forward and confirm the notification.

Chase bank travel notice

If you need to put a travel notification on for your bank account (debit card, ATM, etc.), you can use the method above if you have the new Chase interface and simply select your debit card. But if you are still working with the old interface, the process is a little bit different.

You’ll notice in the image below that you click on a different section of the website to initiate the travel notice for a checking or savings account.

Security Check

When you first try to put on your travel notifications you’ll likely be stopped and asked to verify your identity. This is done by sending either a text message or a phone call to one of your phone numbers on record.

The code should arrive within two minutes (mine arrived instantly) and you should be able to enter in the activation code and verify your identity quickly.

Once you’ve done that you’ll be taken to the International Travel Notifications screen where you can choose which cards you want to apply the travel notification to (debit, ATM, liquid cards, etc.)

You’ll also need to choose a destination and then also choose a departure date and a return date.

One of the big differences with the bank account notifications is that your travel must be within 14 days. 

When you click on Select destination countries a small window will pop-up where you can add the countries.

Note that you can only select up to 10 countries.

To set up a travel notification for a country that’s not in the country list, call the phone number on the back of your card and inquire with Chase about that country.

Once you’ve selected your countries, you can advance to the next step where you’ll need to verify your details. You’ll see the debit card the notification is going to apply to along with the travel period and where you’re traveling to.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Do you need travel notifications?

Some people think that travel notifications are a waste because they are able to travel without any difficulties. But don’t fall into this trap.

Just because you didn’t have any hiccups on a trip, that doesn’t mean that other trips will be like that.

I highly recommend always putting on travel notifications.

You never know what kind of inconvenient experience might await you if you don’t bother with putting on the notifications. Since it’s so easy to add them, I really see no reason why you wouldn’t do it.

One thing that’s interesting about Chase is that if you start to do a lot of international travel, they will pick up on your travel habits. It’s not clear to me exactly how many trips are necessary, but once you start taking a lot of trips, you might not even need to put on travel notifications.

After about a year of travels, I called in to put in a travel notification for Belize one time and I was told that I no longer needed to provide travel notifications because they were aware of my frequent travel patterns. This has happened to other people in the past as well .

I’m not sure if there’s a way to disable this but I found it very convenient and felt okay with it because I monitor my transactions on a regular basis.

Still, sometimes I’ll call in just to make sure everything is fine before I depart to a foreign country just to be on the safe side. (You never know when these type of policies will be updated, changed, etc.)

Do you need travel notifications for out of state travel?

Regarding domestic travel notifications Chase states:

“No. You don’t need to set up a travel notification if you’re traveling to another state, only when you plan to travel abroad.”

My card has been denied in New York (out of my state) before because of fraud prevention and I had to call in to Chase to authorize the charge. Since, it was not abroad it wasn’t a major issue to make the quick phone call but I could have probably avoided the situation just by putting in a notification.

This is generally more of an issue for larger purchases.

So if you’re planning on spending quite a bit of money in another state or city from where you live, it might be a good idea to just call ahead of time and get them to clear the transaction.

What if your travel notifications don’t work?

If you get caught somewhere and your card is not working, then there’s one simple solution.

You can call the number on the back of your card and speak to the fraud prevention department to allow them to process your transaction. You’ll usually have to re-run the transaction when this happens.

(I usually make international phone calls with Skype for these purposes.)

Certain countries excluded

Chase notes that they “exclude certain countries from our travel notification service due to either fraud protection or to align with certain federal guidelines and restrictions.”

These are often referred to as “at risk” countries.

How will you know if a country is excluded?

You’ll know immediately after you submit your notification if they’ve excluded any of your destinations from this service. If you’re traveling to an excluded country and you need help using your debit, ATM and/or Liquid Card, just call the phone number on the back of your card.

Can you cancel travel notices?

If you set up a notification and then later you change your mind, you can click “Cancel.”

If you need to delete a notification you’ve already set up, click “Delete Travel Notification” and follow the steps on the next screen.

Avoiding foreign transaction fees

Chase offers several credit cards that will allow you to avoid those pesky foreign transactions fees.

Two of my favorite options are the Chase Sapphire Reserve and the Chase Sapphire Preferred . But many of their co-branded credit cards like the World of Hyatt Card and IHG Rewards Club Premier Credit Card don’t have foreign transaction fees, either.

However, some of their no annual fee cards like the Chase Freedom cards come with foreign transaction fees of 3% .

If you’re wanting to avoid ATM fees when traveling abroad, Chase offers the Chase Private Client program.

The program offers:

• No fees at non-Chase ATMs and this even includes international ATMs
• Refunds for ATM fees charged by the ATM owners up to five times per statement period
• No exchange rate adjustment fee for debit card purchases and ATM withdrawals in currencies other than U.S. dollars.
• No Chase fee for all domestic and foreign wire transfers, incoming or outgoing, completed at any Chase branch, chase.com, via telephone or email.

There are a ton of other benefits related to wealth management that the program offers and you read more about Chase Private Client here .

Does the Chase app offer travel notifications?

The Chase app allows you the ability to set travel notifications. To do this, log-in to the app and click on “Profile & Settings” -> “My Settings” -> “Travel” and you will see the options for setting up your travel notices.

You can also still pull up the Chase website on Mobile to enable your travel notifications.

International travel tips

If you are traveling internationally, you might also want to check out my international travel checklist . This runs you through many different things you want to do before heading out on a trip in addition to just setting Chase travel notifications. It’s easy to forget about checking for things like how tipping works, what’s taboo, and other common questions so be sure to check it out.

Setting up Chase travel notices is not difficult and you can do it over the phone, via the app, or online — whichever you feel more comfortable with. You might also be set them up via a secured message but I’ve never given that a try.

One last reminder: always keep a photo copy or make a note of the phone number on the back of your debit or credit card so that you have a phone number you can call to sort out any potential issues and you shouldn’t have any issues.

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

You can do it on the Chase app under profile settings

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How to Set a Travel Notice for Your Credit Cards

Susan Shain

Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like MarketWatch and Lifehacker.

When I worked at a ski rental shop in Breckenridge, Colorado, I witnessed many international (and some out-of-state) customers’ credit cards get declined.

Not because their credit limits were too low or because they were purchasing too much — but because they failed to set up travel notifications with their card issuers.

So now, any time I travel to a foreign country, I always set up a travel notice on my credit card beforehand.

Since I travel with the Chase Sapphire Reserve® (Review), I create a Chase travel notice, but you can take this step with most major credit or debit cards. Here’s how.

What Is a Credit Card Travel Notice?

As a way to prevent fraud , your credit card issuer monitors your spending activity. If it notices a suspicious purchase — in an unusually large amount, or from a new location — it may decline the transaction. This could be more likely in countries where fraud is a bigger problem.

Which is why the answer to the question “Should I notify my credit card company when traveling?” is usually yes.

Although you can often get away with shopping in another state without triggering a red flag, international travel is another story. 

By notifying your credit card of your travel plans, you’ll reduce the chances of getting your transaction declined in the checkout line — which, trust me, is never fun — and having to call your card issuer to verify your purchases. It’s still possible to have your purchases declined after setting a travel notice, but it’s much less likely.

How to Set Up Travel Notices for 8 Major Credit Card Issuers

Ready to create your first travel alert? While you could call your card issuer, it’s easier to do it online.

Here’s how to set up travel notices with eight different credit card issuers.

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Chase travel notice

Because of the company’s abundant travel perks and partnership with the Visa network — which is widely accepted worldwide — Chase cards are a favorite among globetrotters.

You can create Chase travel notifications up to a year in advance for credit cards, and up to 14 days for debit cards. Your travel dates can span an entire year — if you’re away for longer, you’ll simply have to adjust your dates once you’re on the road. Chase will have your request on file within 24 hours from the time you submit.

To set up Chase travel notifications, you’ll need to log in to your account and click on the credit card you plan to use. Under the “Things you can do” dropdown menu on the right, you’ll see the “Travel notification” option. That will take you to your “Profile & Settings” page, where you’ll be able to create a travel alert.

Insider tip

Depending on the type of Chase account you have, the process may be slightly different for you. In any case, just look for your “Profile & Settings” page, and then look for a button to set a travel notice.

Alternatively, if you’re already outside the country, you can call Chase collect at 1-302-594-8200 to alert the issuer of your travel plans.

Setting up a travel notice with the Chase bank app

After logging in to the Chase mobile app, tap the profile icon (this should appear as the outline of a person) and select “My settings.” Choose “Travel” within the settings menu and tap “Update” near any credit or debit card products you’ll be taking.

This will allow you to enter the details for your upcoming trip, which can be edited at a later time. Saving this information will successfully set up a travel notice.

Our favorite Chase travel card: While many Chase credit cards are adventure-ready, we’d recommend the Chase Sapphire Preferred® Card for new travelers. Not only does it earn 2X Chase Ultimate Rewards points per dollar on travel, but you’ll also get a great introductory bonus: 60,000 bonus points after spending $4,000 on purchases in the first 3 months. You’ll also earn 5X Ultimate Rewards points per dollar on Lyft rides and travel purchased through Chase Ultimate Rewards. You can transfer the points you earn to a variety of airline and hotel loyalty programs. The Sapphire Preferred has a $95 annual fee.

American Express travel notice

Surprise! You actually can’t create an Amex travel notice.

On its site, the issuer says it uses “industry-leading fraud detection capabilities” that help it recognize when you’re on the road, thereby eliminating the need to create an American Express travel notification.

The issuer does recommend you update your contact information, so it can reach you in case of any complications, and download the Amex app, so you can manage your account on the go.

Note that Amex credit cards aren’t as widely accepted across the globe. If you’re a frequent international traveler, we’d recommend looking for a card with a Visa or Mastercard logo instead because they’re accepted by most merchants.

Our favorite American Express travel card: For its $695 Rates & Fees annual fee, The Platinum Card® from American Express offers a slew of travel perks. They include extensive airport lounge access; 5X Membership Rewards points per dollar on eligible flights and hotels (starting 1/1/21, on up to $500,000 spent per calendar year); and up to $200 in Uber credits per year. Its introductory bonus is Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu..

Capital One travel notice

As with Amex, there’s no need to set a travel notice for Capital One credit cards.

If you log in and click “Set Travel Notification,” you’ll be greeted by this window:

The issuer, long popular with international travelers for its lack of foreign transaction fees, says: “With the added security of your Capital One chip card, travel notifications are no longer needed on your credit card.”

It notes Capital One will cover you with its $0 fraud liability policy, and will also be on the lookout for any suspicious activity.

Our favorite Capital One travel card: The Capital One Venture Rewards Credit Card is a fantastic, easy-to-use travel rewards card, offering 2X Venture miles per dollar on everything. The introductory bonus is 60,000 bonus miles for spending $3,000 in the first 3 months. It comes with a $95 annual fee.

Bank of America travel notice

Ready to travel with your Bank of America card? Log in to your account, and in the menu at the top right, you’ll see “Help & Support.”

Hover over those words, and a drop-down menu will appear. Click on “Set Travel Notice” — and voila! You’ll be able to add your travel dates and destinations, as well as extra details about your trip, like any planned layovers.

Setting a travel notice with Bank of America.

Bank of America cards allow you to set travel notices up to 60 days in advance, and they can last for up to 90 days. If you’ll be traveling longer than that you’ll need to adjust your travel notice later on.

Our favorite Bank of America travel credit card: If you don’t want to pay an annual fee, the Bank of America® Travel Rewards Credit Card might work for you. You’ll earn 3X points per dollar at the Bank of America travel center and 1.5X points on everything else. After you make $1,000 in purchases in the first 90 days, you’ll earn 25,000 points — enough for a $250 statement credit toward travel purchases.

Citi travel notice

If you have a Citi credit card, the first step is to log in to your account.

Then you should hover over the “Services” button in the menu, and then select “Travel Services.” Next you can select “Manage Travel Notices,” before selecting the card for which you want to set a notice. Unlike some other issuers, you’ll need to set a separate notice for each card you plan to travel with.

Citi advises making sure your contact information is up to date before traveling, and also to download the Citi Mobile App to more easily monitor your account.

Here’s what setting a Citi travel notice looks like:

Setting a travel notice with Citi.

Then, once you fill out your destination and dates and verify your info, you’ll be good to go!

Our favorite Citi travel credit card: The offers a generous 3X ThankYou points per dollar on air travel and at gas stations, restaurants, supermarkets, and hotels. You can earn None. There’s a None annual fee to pay for this card.

Discover travel notice

Although Discover credit cards aren’t the best for traveling internationally, as they aren’t accepted as widely as Visa or Mastercard, you should still set up a travel notice if you bring your Discover card overseas.

You can do this from your online account by selecting “Manage” at the top of your screen, then clicking “Manage Cards” and then “Register Travel.”

Setting a travel notice with Discover.

Our favorite Discover travel card: For a card with no annual fee, the Discover it® Miles isn’t a bad choice. You’ll get 1.5X miles per dollar spent on everything, with double your miles at the end of your first cardholder year.

PNC travel notice

If you have a PNC credit or debit card, the bank recommends you set up a travel notice, explaining: “You typically use your card at local merchants and online, but suddenly you’re buying tapas in Madrid or sushi in Tokyo. This unexpected activity is what triggers the alert. Although less likely, this kind of predicament also can happen when traveling domestically.”

To notify PNC, you can either call the financial institution at 1-888-PNC-BANK or set up an alert online. After logging in to your account, you’ll select: “Customer Service” –> “Account Services” –> “Debit/ATM Card Services” –> “Edit/View Preferences.”

Then, in the bottom right corner of your screen, you’ll see an option to “Notify PNC of Foreign Travel.” After filling it out with your dates, destinations, and phone number, you’ll be ready to go.

Recommended PNC travel credit card: Like the BofA card, the PNC Premier Traveler® Visa Signature® isn’t the best option out there — but it’s fine for PNC loyalists. It offers a 30,000-mile introductory bonus when you spend $3,000 in the first three billing cycles, and 2X miles per dollar spent on everything. Its $85 annual fee is waived the first year.

Wells Fargo travel notice

If you’d like to tell Wells Fargo of your travel plans, you can either call the number on the back of your card, use the bank’s mobile app, or log in to your online account.

If you choose the latter method, you’ll hover over the “Accounts” dropdown menu, then click on “Manage Cards” –> “Manage Travel Plans.” As with the other issuers, you’ll enter your dates and destinations before submitting.

Recommended Wells Fargo travel credit card:  There aren’t any Wells Fargo travel cards at the moment.

If you’d prefer a Visa card from Wells Fargo for traveling, consider the Wells Fargo Active Cash℠ Card . It offers 2% cash back on everything you buy, with a solid introductory bonus, but it also has a foreign transaction fee.

4 Things to Consider When Choosing a Travel Credit Card

If you’re looking for another piece of plastic to add to your wallet, here are four things to consider when choosing the best travel rewards credit card:

• Foreign transaction fees:  Some credit cards charge a 3% fee for making purchases in a foreign currency. If you plan to travel abroad, make sure your chosen card has no foreign transaction fees.
• Annual fees:  Many of the top-tier travel rewards credit cards have hefty annual fees. But before getting scared off, see if the card offers any credits or benifits that offset it. For example, while the Chase Sapphire Reserve® has a $550 annual fee, it also offers a $300 annual travel credit that applies toward flights, car rentals, and even Lyft rides.
• Rewards and perks:  One of the most compelling reasons to get a travel credit card is the opportunity to earn points and miles that you can exchange for free travel. So take a look at your potential card’s introductory bonus and earning ability. You should also read the fine print to learn all about its travel perks, which might include airport lounge access or travel insurance.
• Loyalty programs: The majority of hotel chains and airlines have co-branded cards that earn additional rewards when you spend money with them. So if you are loyal to a particular brand, it’s wise to consider the co-branded options. For hotel cards, examples include the IHG® Rewards Club Premier Credit Card, Marriott Bonvoy Boundless™ Credit Card, and The World of Hyatt Credit Card. For airline cards, you can choose from options like the United℠ Explorer Card or Southwest Rapid Rewards® Plus Credit Card.

Whichever card you choose, be sure to set a travel notice before you board your next train or cruise or flight — and then enjoy your vacation free of worries!

You don’t have to stick to “travel credit cards” just because you want to, you know, travel with your credit card. As long as you set up a travel notification when you go, you can use any card you’d like. So, in case they’re a better fit, here are links to the best cash back, balance transfer, and 0% intro APR credit cards.

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Using Chase Trip Cancellation Coverage

Update: Some offers mentioned below are no longer available. View the current offers here .

As I mentioned on Friday, we had to cancel our planned trip to present at the Chicago Seminars at the last minute due to Baby S getting hit with her first virus and upper respiratory gunk. As with most airfare, our tickets were "non-refundable" and as such we would pretty much be out the $800+ for the three round trip tickets for my mom, my little one, and myself. There are many reasons I couldn't just fly by myself and leave the baby at home including I wouldn't be comfortable as the mom being away from my sick and not-quite-3 month old baby, but also the little stinker won't even take a bottle right now so I'm her sole food source.

Even if the money we spent on the airline tickets all went to waste, we had to stay home with Baby S so it was an easy call, but I would certainly prefer to recoup as much of that expense as possible. Thankfully I learned years ago to pay attention to which credit cards I use for airfare purchases so that I have built-in trip interruption and cancellation coverages for unexpected surprises without having to purchase separate trip insurance. This is important across the board, but when you have babies and little kids who inevitably will get numerous illness in their first few years it is virtually essential. Many Chase credit cards have similar protections, but the purposes of this post I will quote from the Chase Sapphire Preferred® Card Benefit's Guide since it is a very good all around travel credit card that I think many of us have.

Details of Chase Trip Cancellation Insurance:

With the Chase Sapphire Preferred® Card, Trip Cancellation Insurance will reimburse you or your immediate family members up to $5,000 for each covered trip if a covered loss prevents you from departing on your trip and results in cancellation of travel arrangements if you charged a "portion of the cost for the travel arrangements to your account". In this case the covered loss we are using is "Accidental Bodily Injury, Loss of Life, o r Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion." Bolding mine.

It also says that if a physician has advised that making the covered trip is medically inadvisable, you must immediately notify the appropriate travel supplier that you are cancelling your travel arrangements. If you don't notify the supplier, the company's reimbursement will not exceed the cancellation penalties imposed during the period by the supplier and in effect forty-eight (48) hours immediately following your receipt of advice from your Physician that travel is not advisable.

So, we used the Chase credit card to purchase the airfare, we have a sick immediate family member, and we cancelled the flights right after learning she should not fly based on her doctor's advise. Check, check, check, and so far so good. I'm still in the middle of the claim process, but I wanted to share which documents the company has requested thus far in case you are faced with a similar situation. Most of the items requested are easily obtained and pretty common sense, but there are a few curve balls in the process that I wasn't totally expecting.

Documents Needed to Utilize Trip Cancellation Coverage:

• Confirmation of the non-refundable amounts for the unused Common Carrier tickets, and/or travel vouchers;
• Confirmation that the tickets were cancelled with the Common Carrier;
• Copy of the travel itinerary showing the passenger names and ticket cost;
• Confirmation of the reason for the trip cancellation; (Completed attached physician statement, confirmation of death of immediate family member or documentation confirming any other cause of loss);
• Please complete and return the Trip Cancellation claim form attached below;
• A copy of the cancellation or refund polices of the Common Carrier, Tour Operator, or Travel Supplier;
• A copy of the credit card statement which shows that the purchase of the Common Carrier ticket was charged to your credit card; (We must be able to see the first six digits of the credit card number and the pre-printed accountholder name and address. However, for security purposes we suggest that you block or remove the remaining digits of your card number.).

I had taken Baby S both to urgent care and to her pediatrician in the 24 hours before making the claim because I was worried about her and wanted her checked out by a physician, but since I knew I would probably need some sort of documentation of her illness I had her pediatrician write a brief note while I was there indicating the date, the illness, and that she cannot fly in her condition. I was hoping that would be sufficient documentation, but it seems there is a specific form that the physician needs to complete. I really hope what I have will suffice as I hate to go back to the doctor's office if I don't have to, but here are the sections on the form that the physician is asked to complete.

Physician's Form for Trip Cancellation Coverage:

Date of accident, injury or illness: ____/____/____ (MM/DD/YY)

Date of first treatment or onset: ____/____/____ (MM/DD/YY)

Please describe the nature of the patient's injuries or illness:

_____________________________________________________________________________

Was this a referral from another doctor? YES / NO

If yes, date of referral: ____/____/____ (MM/DD/YY)

Was the patient hospitalized? YES / NO

If yes, please list the names and location of all hospitals and all admission/discharge dates:

Hospital Name Location Adm. Date Dis. Date

__________________________ _____________________ ___________ __________

Was the patient recommended by you to curtail their trip/travel due to this condition?

If yes, travel restriction dates advised:

____/____/____ (MM/DD/YY) to ____/____/____ (MM/DD/YY)

Did this travel restriction affect any other family members or travel companions? YES / NO

If yes, why did family member/travel companion need to curtail their travel? _____________________________________________________________________________

Did the patient have any condition (including pregnancy) prior to trip booking that contributed to their present condition? YES / NO

If yes, please describe:__________________________________________________________

______________________________________________________________________

For pregnancy: EDC: ____________________________

If yes, at what date did patient originally begin treatment with this previous condition: ___________________________________________________________________

If yes, was the patient's previous condition stable at least 60 days prior to booking the trip? YES / NO

Please describe: _________________________________________________________

_______________________________________________________________________

Putting the Trip Cancellation Claim Together:

It will take a little time to put all this requested information together and send it back to the company, in this case a Claim Benefit Services operated by Broadspite, a Crawford Company. You can scan in the documents and upload them to a website or just mail them in the old fashioned way. I'm hopeful that all will go well and within a few weeks we will have a check for the value of the cancelled airfare since that amount is well under the covered maximum. I'll be sure to update when the process is over, or if I hit any unexpected road blocks in the process. Fingers crossed our little one is healthy in time for our next trip or we'll be working on yet another trip cancellation claim...

Have you ever used built-in trip cancellation coverage from one of your credit cards? Do you pay attention to the coverages provided by your cards when booking trips?

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How to use the chase travel portal.

One of the many perks of using a Chase branded credit card is the opportunity to earn and redeem points for travel-related purchases. What’s more, did you know that you could maximize your points value and reap even more rewards points by booking through the Chase Travel portal?

To make the most of your purchases for travel, you can book your flights, hotels and more through the Chase Travel portal.

To help you navigate the rewards program, we’ll go over:

How to earn and redeem Chase Ultimate Rewards points

Accessing the chase travel portal.

• How to book flights through the Chase Travel portal

Booking hotels through the Chase Travel portal

How to book rental cars, cruises and other types of travel.

• The benefits of booking travel in the Chase Travel portal
• Additional tips and tricks for the Chase Travel portal

Chase Ultimate Rewards points are earned by using your Chase branded card on everyday purchases. When you use your Chase card(s), you can also earn points by making purchases on:

• Paid reservations
• Restaurant bookings
• Hotel reservations

Depending on the Chase credit card you use, you can be eligible for a wide range of perks and rewards. All Chase family cards, such as Freedom ® , Sapphire ® and Ink ® , earn points that can be redeemed on the Chase Ultimate Rewards portal.

To access the portal, go to the booking platform at www.chasetravel.com or login to your Chase Ultimate Rewards account and go to your Chase credit card’s main dashboard.

Next, click on the “Earn/Use” button where the number of points you have is listed. Choose “Travel” from the options listed, and this will take you to the travel portal.

How to book flights through Chase Travel portal

Rather than making your flight purchases externally, book your flights using the Chase Travel portal so you can get rewards on airfare. To do this, access the travel portal and search for the flight you want. You can filter your search by cost, airline, departure/arrival time and departure airport.

Once you’ve found the flight of your choice, select your option and purchase your flight using your Chase card. If you have Ultimate Rewards points available, you can use them to pay for all or part of your flight, and/or other travel-related purchases.

Similar to flights, you can redeem your Ultimate Rewards for hotel reservations. To do this, search by destination to see available hotels. You can narrow your search by filtering for price/amenities/ratings, type of property, number of bedrooms, neighborhood and more.

Select your hotel option, then continue to confirm your booking using your Chase card or redeeming your Ultimate Rewards to help make your purchases.

You can use the portal to book rental cars, activities and other travel-related purchases. To book a cruise line, you need to call directly.

For car rentals, be sure to use the appropriate points connected to your specific card to get additional perks, such as car insurance.

The benefits of booking travel in Chase Travel portal

Travel costs can add up easily, but if you’re using the portal to redeem your points, you are giving your points good use with certain cards. On the other hand, using the portal could also help you earn more points on your purchases. For example, you can get even more points on flights if you book through portal. These points can later be redeemed on your future travels.

Chase Travel portal summary

No matter where your next adventure takes you, use the Chase Travel portal to book hotels, flights and more. Earning points through the portal can unlock future opportunities for you to take trips in one platform.

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How to Change a Flight Booked Through Chase

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Table of Contents

I booked a flight through Chase Ultimate Rewards®

I transferred chase points to an airline or hotel, can travel insurance help, the bottom line.

Although some countries are slowly opening up for tourism as the coronavirus pandemic ebbs and flows around the world, constantly changing entry restrictions can create a risk for travelers booking nonrefundable trips. Luckily, many airlines and hotels are offering loosened change and cancellation policies to make it easier for travelers to modify their plans.

But what if you’ve booked your trip with Chase Ultimate RewardsⓇ points? Can you still get a full refund? If so, will you get your points back or a voucher? Here’s what you need to know about canceling trips booked through the Chase travel portal.

When you purchase a flight with cash, Chase Ultimate Rewards® points or a combination of both, your refund options will depend on your travel dates as well as Chase’s, and the carrier’s cancellation policy.

Cancel the flight by selecting it from the “My Trips” section within your chase account and either speak with a Chase representative through the live chat feature or complete Chase’s cancellation form. The form can only be accessed once you’re logged in to your account, and you will need your Chase itinerary number (11-15 characters included in your booking), along with the email address and phone number attached to your reservation.

Although calling customer service is an option, hold times can vary — so if your cancellation is straightforward, you’d be better off canceling your trip online.

» Learn more: AmEx vs. Chase points

Can I get a Chase Ultimate Rewards® points refund?

Generally, you should receive a refund in the original form of payment, but the evidence has been mixed. On Chase's website, the company says it will work with your travel provider on your behalf to manage any refunds or credits. This Reddit thread has differing reports from multiple people, ranging from receiving a refund in points or flight credits/vouchers. Some have reported initially receiving vouchers, but escalating the issue and then getting Chase Ultimate RewardsⓇ points back instead.

The situation is likely dependent on an airline’s policy. If the airline is offering flight vouchers, it may be difficult to receive a full refund in points from Chase (as opposed to a scenario in which the airline offers cash-back in the form of payment). If you’re not happy with the refund option you’ve received, try escalating the issue by contacting the Chase Ultimate Rewards® travel customer service phone number at 1-888-511-5326 or reaching out to Chase on Twitter.

» Learn more: The Chase Ultimate Rewards travel portal guide

If you’ve transferred your Chase Ultimate Rewards® points to a hotel or airline, and then made a reservation that you need to change or cancel, you’ll need to deal directly with the carrier rather than Chase. All point transfers from Chase to its airline and hotels partners are irreversible, so you will not get your Chase Ultimate Rewards® points back if you cancel your reservation. Any cancellations or changes made will be bound by the airline or hotel’s cancellation policy.

On the bright side, many airlines and hotels have loosened their cancellation policies , so there’s a higher likelihood that canceling a reservation will result in a refund of your airline or hotel points back to your loyalty account.

Travel insurance can help get your money back if you need to cancel a nonrefundable ticket for a covered reason, such as an illness, natural disaster or other extenuating circumstances.

Some travel insurance companies specifically exclude pandemics from coverage, which would nullify any claims made related to coronavirus since it was declared a pandemic by the World Health Organization on Mar. 11, 2020. Other providers do not have a pandemic exclusion at all. Furthermore, insurance options vary by state, so you’ll want to review the fine print of your policy before purchasing to ensure you get the coverage you’re looking for.

However, canceling your flight because you’re afraid of contracting coronavirus is not a covered reason. In instances like this, you’d want to look into a "Cancel For Any Reason" (CFAR) travel insurance optional add-on, which will allow you to cancel a trip for truly any reason and provide a 50%-75% refund as long as you cancel at least two days in advance. CFAR is offered by some insurers as a supplemental upgrade when purchasing a comprehensive travel insurance policy, and it cannot be purchased on its own.

» Learn more: Does my travel insurance cover the coronavirus?

Traveling now carries with it a higher degree of uncertainty than ever before. To save yourself heartache, get familiar with Chase’s and the carrier’s cancellation policies. If you’re planning a trip months away and want the option of canceling for any reason, consider purchasing the CFAR supplement when buying a travel insurance policy to ensure you receive a refund if you need to postpone your trip.

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

on Chase's website

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.