9 Lesser Known Benefits of the Chase Sapphire Reserve Card

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The Chase Sapphire Reserve is well known for top-line benefits like a signup bonus of 50,000 points after $4000 spend within 3 months, earning 3 points per dollar on travel and dining, a $300 travel credit, $100 Global Entry or TSA PreCheck credit, and unlimited visit and guest Priority Pass Select.

Points can be used at 1.5 cents apiece towards paid travel through the Ultimate Rewards site or transferred to:

  • Airlines: United, Singapore, Southwest, British Airways, Air France, Virgin Atlantic, Korean
  • Hotels: Hyatt, Marriott, Ritz-Carlton, IHG

Singapore Airlines Suites

However there are myriad benefits that I’d bet existing cardmembers and those considering the card don’t know about. Here are 9, some of which you may be familiar with but some that may be new to you. Are you taking advantage of the free $30 and discount from Groundlink for instance?

  • $30 one-time credit and 15% off Groundlink car service

  • Discount golf

    The Golf Club at Lansdowne

  • Wine tasting discounts in Sonoma, California note that this is available to Visa Signature cardholders as well.

  • 30% off a 2+ day rental with Silvercar using promo code VINFINITE

  • Primary collision coverage when renting a car with your Chase Sapphire Reserve. Much of the time if you ding a rental car your own insurance won’t even have to know.

    While the Chase Sapphire Preferred Card offers this as well but Reserve’s coverage is more generous – up to $75,000 in covered losses and with more limited exclusions (20+ year old cars, or those out of production for 10+ years; as well as “certain vans, vehicles that have an open cargo bed, trucks, motorcycles, mopeds, and motorbikes, limousines, and recreational vehicles”).

  • Roadside assistance 4 times per year, up to $50 each time, for a tow, locksmith, gas, tire change, or jump start.

  • Baggage Delay coverage if your bags are lost for more than 6 hours you can get up to $100 a day for 5 days reimbursed, save those receipts for purchases of essential items.

  • Trip Delay Coverage if your flight is delayed more than 6 hours — or overnight —
    you get up to $500 per ticket in expenses like hotel, meals, and ground transportation.

  • Trip Cancellation or Interruption reimbursement up to $10,000 for trips cancelled or ended early due to sickness, severe weather and other covered events.

Chase Sapphire Reserve

About Gary Leff

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 InsideFlyer.com, 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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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. Whoa…didn’t know about the Groundlink benefits! Signed up and see the credit is stackable with the $25 referral credit if you sign up with an invite code (mine is bmnse), so now I have 55 bucks in my account.

  2. Recently had a flat tire on my rental. Avis wanted $60 for roadside service. Called up Chase and had free roadside service there in 20 minutes. Plus, Chase covered the cost of the tire charge from Avis (seriously, who charges for a nail in the tire?!?). Couldn’t be more impressed with these two benefits. These two benefits alone paid the annual fee for the card.

  3. What if I book travel then close the account before my travel dates? If I can’t make the trip after I’ve closed the account can I still take advantage of Trip Cancellation or Interruption reimbursement?

  4. Don’t forget the Emergency Medical Benefit. That benefit on its own has saved us over $600 in the past year when we’ve gotten sick while traveling.

  5. Aside from the travel credit (which I’ve already maxed out) I find the extended warranty coverage to be the most useful in terms of cash in pocket. Not only has it paid out repeatedly but also there is no hesitation now in rejecting similar coverage (i.e. square) at checkout.
    You always ignore my personal fav which is the $100k medevac coverage. Hopefully never needed but could save your life (or a small fortune) and most people don’t buy it with travel insurance.

  6. I assumed tire problems would be covered by the rental company, so I called them. Yes, big mistake. They charged me $400 between the call charge and repairing the tire. I submitted it to Chase 5 months ago and have been going back and forth with them since. They just keep asking for things they already have, and then I don’t hear again for another month when they do the same thing. I am stunned by those of you that just get claims paid.

  7. I wish one of you bloggers would find out the actual rules regarding these travel benefits, with respect to “round trip” travel requirements.

    The Guide to Benefits under Trip Delay Reimbursement says “A covered trip is a period of round trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed 365 days away from your residence to a destination other than your city of residence.”
    >> Does this mean you don’t get coverage on one ways? Many of us book each leg at a time. Or does it just mean you can’t be away from home more than 365 days (ie a full time traveler)?

    Also, under Emergency Medical and Dental Benefit, it states to make a claim you must include “A copy of Your receipt as proof that You charged and paid for a round trip ticket…”
    >> Again implies travel coverage is only for round trips. Is that really the case? Have any of you had claims paid or denied when tickets weren’t booked as round trips?

    This is potentially a big hole in coverage we all think we have. I have asked many bloggers to get to the bottom of it, and nobody bites. It does me no good to call and ask myself because who knows if some random representative will give me the correct information.

  8. I echo the above mentioned question about travel benefits for one way trips. Would love to find the answer to this and phone representatives varying answers to this have not given me confidence one way or the other.

  9. @qofmiwok and @Elizabeth S. — Check out this really useful chart that Mile Value put together. I’m assuming it’s accurate; I have no affiliation. It compares the travel benefits conferred by Citi, Amex & Chase cards and also addresses the issue of one-way travel vs. round-trip. You’ll notice that some benefits are still covered even if it’s one-way travel, others are not. You should study the chart carefully: https://www.milevalue.com/travel-protection-benefits-of-chase-citi-amex-cards-comparison-chart/

  10. Yes, you need to have round trip travel. Not a round trip ticket, round trip travel. If you have no return to your home then you aren’t really travelling, you are moving to another location and they are not going to pay for trip delays from your new residence or medical and dental insurance in your new home location

  11. Gary, tried using the trip cancellation/interruption benefit. complete nightmare. got sick in japan and had to delay the flight by a day to check in into hospital. now they want documents after documents and some are almost impossible to obtain. Happy to share you more info if you want to write about it. it being service by third party and its a disaster

  12. @qofmiwok… Try sending Chase an email through your contact us link while you are logged on to your Chase or Amex account. That is a secure email to them that gets answered in writing for future reference. It may get deleted automatically after xx days, so either print screen it or ask again before you travel so it will be available if need it.

  13. The trip cancellation/interruption benefit is basically worthless if you would cancel or interrupt your trip because of injury, loss of life, or sickness of an immediate family member. If any of these are due to a “pre-existing condition,” the coverage does not apply. A pre-existing condition is:

    “illness, disease or Accidental injury of you, your Traveling Companion, your Immediate Family Member or the Immediate Family Member of the Traveling Companion, for which medical advice, diagnosis, care or treatment was recommended or received within the 60-day period immediately prior to the purchase of a Covered Trip.” (Medication does not count as care or treatment.)

    It’s likely that you don’t know whether your adult children or parents, let alone other “immediate family members,” have been to the doctor in the 60 days prior to your travel purchase or exactly what the doctor may have said, so you can’t count on this coverage to reimburse you if something happens to them.

    Gary, it would be a great service if you could ask Chase to provide some way of eliminating this exclusion so that we don’t have to buy expensive travel insurance to get this coverage.

  14. i agree the trip cancellation benefit is worthless unless the claim is large enough to spend the time trying to comply. I filed a claim in september and after being asked muptiple times either for the same or similiar info then they ask for new verifications which are extremly difficult to get. For rxample on airlines letterhead proof trip not taken. After you give them this they want proof on letterhead of any refunds given even tho i sent them airlines refund and cancellation fee policy. I inderstand the need for proof but adk for it all at one time so I don’t have to contact jetblue multiple times. Finally gave up. Which i think is their hope

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