Benefits for Chase Sapphire Reserve Authorized Users

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I’ve gotten several questions about authorized users for the Chase Sapphire Reserve.

As you likely know, the card offers a signup bonus of 50,000 points after $4000 spend within 3 months. It earns triple points on travel and dining. It comes with a $300 travel credit each year (automatically rebated when you spend on travel) and a $100 credit every four years towards Global Entry or TSA PreCheck. And it gives you unlimited Priority Pass Select lounge visits for yourself and your guests.

KLM Lounge, Houston

Many rewards products offer no annual fee authorized user cards, because the card issuer would love it if you gave out more cards to friends and family and got them spending. However Chase Sapphire Reserve charges $75 for an authorized user card — and it’s not because the heavy, metal card is more costly to make but because authorized users aren’t just spending money and earning you points.

  • Authorized users get their own unlimited Priority Pass Select card so they can visit airport lounges (here are the ones in the U.S.) whether they’re traveling with you or not. An unlimited visit Priority Pass card on its own (without Sapphire Reserve’s unlimited guesting privileges) would normally cost $399.

  • Authorized users have a Visa Infinite credit card, and it comes with Visa Infinite privileges. Any benefit that uses the card numbers to verify eligibility as a visa infinite extends benefits to authorized users. You can certainly use the VINFINITE promo code for 30% off a 2+ day Silvercar rental for instance.

    Authorized users get travel protections — primary collision renting cars, lost and delayed baggage, trip delay and cancellation as well as purchase, price, and return protection as well.

However authorized users do not get the $300 travel credit or the Global Entry/TSA PreCheck credit.

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Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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  1. You should compare this to the AmEx Platinum. The AmEx, for example, provides the Global Entry/PreCheck fee credit to EACH additional cardholder. However, the AmEx Priority Pass Select does not include guests, and you will actually be CHARGED for guests without warning.

  2. So, to be clear, the primary card holder has guesting privileges at Priority Pass lounges (unlimited visits with unlimited guests) and authorized users must pay for guests (unlimited solo visits, plus $27 per guest per visit)?

  3. Do the travel protections apply if you charge a ticket to your card but the primary user is not the person traveling? If not that would be a good reason to add an authorized user.

    Priority pass benefit not so useful for authorized users who primarily fly solo in domestic USA (I’d bet that’s the vast majority) except those who fly Alaska or from selected international terminals. And of course not so great if they have an entourage (most lounges not worth $27 per kid).

  4. I am about to cancel my CSR and get the Ritz Carlton. The benefits for Priority Pass is the same, but no charge for AU. In addition, it offers a version of Visa Infinite that is way better for the $100 discount. For short haul flights, I would argue that’s same as the vaunted SW companion pass but without to hoops to get it. You should really give your readers a better argument for sticking and CSR and having them pay $75 per AU for seemingly inferior benefits.

  5. @JoeY – I like the Ritz-Carlton card but the smaller travel credit isn’t nearly as flexible, you’re spending much more for the benefit and $100 off on a 2-person itinerary is not the same as the southwest companion pass which is second passenger free regardless of price and even when you’re using points. It just isn’t.

  6. RC card is worthless except for heavy RC users who are able to use the upgrade benefit (though many find this illusory). Much better to use CSR for 3x Chase points on dining and travel as Marriott points are worth far less. Last I checked RC card did not include evacuation insurance though that may have changed – a valuable benefit for those who travel to third world countries.
    At one time RC had a great signup bonus (3 nights I think) but this too has been devalued with exclusion of Cat 5 – which are the properties I’d most like to visit.

  7. @Boraxco. I luv to RC card and the benefits of getting JP Morgan executive treatment. Upgrades always confirmed and net annual fee $95 vs CSR $150. Then again, I gave both.

  8. I have the Sapphire Preferred (since 2012) and the annual fee is coming due. I also have a Freedom.
    My husband has the Reserve. Freedom and Freedom Unlimited.
    If he adds me as an authorized user to his Reserve, and, if I downgrade my Preferred to the Freedom Unlimited, I have 2 questions:
    1, what are transfer options for the points I earn on the Freedom cards? Can I transfer to my own airline/hotel partners?
    2. If I am then only an AU on his CSR, how long should I wait before reapplying for the CSP? (assuming I get and stay under 5/24)

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