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How Chase Freedom Unlimited Travel Insurance Works

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A major perk of some travel credit cards is that they provide travel insurance protections for cardholders. As long as you book the travel with the card, you're eligible to file a claim and get reimbursed for unexpected expenses, usually tied to incidents like lost or delayed baggage or trip cancellation or interruptions.

The Chase Freedom Unlimited® is unusual in that it's marketed as a cash back credit card — not a travel card — but it still provides some travel insurance coverage. It also has a $0 annual fee while many travel rewards cards that offer travel protections charge $95 or more.

Here’s what you can expect in terms of Chase Freedom Unlimited® travel insurance, what it covers and what the benefit limits are.

» Learn more: The best travel credit cards right now

Does Chase Freedom Unlimited provide travel insurance?

Yes, the Chase Freedom Unlimited® credit card comes with a few trip protection benefits:

Trip cancellation.

Trip interruption.

Auto rental collision damage waiver.

To be eligible for coverage, you must have paid for the affected travel with the card, or redeemed rewards from the card toward the cost. For trip cancellation and interruption coverage, your immediate family members are covered, even if they’re traveling without you, as long as you paid with the card.

» Learn more: Trip cancellation insurance explained

Travel insurance benefits and limits on the Chase Freedom Unlimited® card

Chase freedom unlimited® travel insurance benefits, explained, trip cancellation protection.

If your trip is canceled for an eligible reason (listed below), you can recover some prepaid, nonrefundable expenses, including deposit and change fees charged by an airline, cruise line, railroad or other common carrier. To be eligible for trip cancellation coverage, you must pay all or part of the trip cost with the Chase Freedom Unlimited® or the rewards associated with the card.

Trip cancellation coverage maxes out at $1,500 per covered person and $6,000 per trip, so you don’t want to rely solely on the card’s benefits if you're paying more than that for an upcoming trip. (You might want to consider a standalone travel insurance policy if your trip is more expensive.) A trip must not exceed 60 days to be eligible for full coverage.

Cancellation reasons covered under the policy include:

A named storm, such as a hurricane or tropical storm.

Accidental injury or sickness of the traveler or an immediate family member.

Change in military orders for you or your spouse.

Organized strikes.

Terrorism incidents within 25 miles of the airport.

Travel warnings issued by the U.S. Department of State regarding terrorism.

Severe weather.

Things like a change in plans, an onset of a preexisting condition or pregnancy are not covered. For such things, it's best to have a policy from a travel insurance provider that has an option to add a Cancel For Any Reason coverage .

» Learn more: What to know before buying travel insurance

Trip interruption coverage

Trip interruption coverage is similar to trip cancellation protection, except it kicks in once your trip has begun.

In addition to the $1,500-per-person and $6,000-per-trip coverage limits, trip interruption provides up to $250 to cover transportation for you or your family member for necessary medical treatment or to the airport. However, this doesn’t include the cost of medical vehicles. In other words, it will cover, say, a cab or Uber ride to the hospital, but not an ambulance ride.

Trip interruption also covers:

Accidental injury or sickness for you or a member of your family.

Terrorism warnings issued by the U.S. government.

As is the case with trip cancellation, some coverage exclusions apply. For example, if your trip’s purpose is to receive medical treatment, if you injure yourself while intoxicated, fail to obtain a visa or travel to an active war zone, the coverage no longer applies.

Auto rental collision damage waiver

Paying for a car rental with a credit card that offers an auto collision damage waiver allows you to decline the "insurance" offered by the rental agency. The Chase Freedom Unlimited® offers a version of the benefit for rentals not exceeding 31 consecutive days.

The auto collision damage waiver on the Chase Freedom Unlimited® provides "secondary" coverage for rentals in your country of residence and "primary" coverage for rentals abroad. Secondary coverage means you must first go through your personal auto insurance policy, and the credit card coverage kicks in after that (to pay your deductible, for example). Primary coverage means the credit card's coverage comes first, and you don't have to go through your personal policy.

To use the benefit, you must decline the rental car company’s collision insurance and cover the entire cost of the rental with your Chase Freedom Unlimited® card.

The auto collision damage waiver provides reimbursement up to the cash value of the vehicle against theft, damage, loss-of-use charges, administrative fees and towing charges to the nearest body shop. Additional drivers are covered only if they were added to the rental car contract.

Damage to another driver’s car, personal injuries or property damage aren’t covered. Additionally, certain vehicles aren’t eligible for coverage, including:

Antique cars.

Cargo vans.

High-value vehicles.

Motorcycles.

Passenger vans.

Trucks (other than pickups).

How do I file a claim?

For trip cancellation and interruption, you have 20 days to file a claim. For auto collision damage, you have 60 days from the date of the incident. In either case, contact the benefits administrator as soon as possible. You can do so online at eclaimsline.com or by calling 888-320-9656 if you’re in the U.S. or call collect at 804-764-1691 if you’re abroad.

For information on how to file a claim or the documents you need to provide, consult the guide to benefits for the Chase Freedom Unlimited® .

What if the card’s benefits aren’t enough?

The Chase Freedom Unlimited® has no annual fee, and its travel insurance benefits come at no extra cost. Those benefits are rather basic, with low coverage limits, so you might want more coverage for big-ticket trips. Do some comparison shopping to find the right mix of coverages, limits and cost.

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 a similar note...

UNDERSTAND YOUR BENEFITS

Your Guide to Benefits has what you need to know about the travel and purchase protection benefits that come with your card* – what's covered, not covered, and how to file a claim.

* Certain restrictions, limitations, and exclusions apply.    Please see your Guide to Benefits for details.

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What does chase freedom® travel insurance cover.

The Chase Freedom ® family of cards come with several attractive features, such as 1.5% cash back on purchases. But did you know that Freedom cards also come with travel insurance benefits that can help you book a vacation with greater peace of mind?

It's true, common carrier expenses such as a plane ticket or cruise line booking can be reimbursed — if certain covered situations arise that interrupt your vacation or force the cancellation of your reservation. Read on to learn more about these benefits, as well as some important facts to know before you purchase your next vacation using your Freedom card.

Do Chase Freedom credit cards come with travel insurance?

All three currently issued Freedom cards: Chase Freedom Unlimited ® , Chase Freedom Flex ® and Chase Freedom Rise ® offer their cardmembers basic travel insurance covering trip interruption or cancellation. This covers certain ‘‘what if’’ situations that may impact your travel plans, providing reimbursement after a claim is filed and processed.

For the Freedom family of cardmembers, the maximum amount of this reimbursement benefit is up to $1,500 per cardmember, their immediate relative or domestic partner. The maximum reimbursement benefit per trip is $6,000.

In order to be covered, the flight or cruise trip must be paid in full or partially using your Chase Freedom card or accumulated Ultimate Rewards ® . Immediate family members do not necessarily need to be traveling with the Freedom cardmember who booked the trip for the trip interruption or cancellation benefit to apply.

What’s the difference between trip interruption and trip cancellation?

Trip interruption insurance is a form of reimbursement for unused, prepaid and non-refundable travel expenses if a trip needs to be cut short by covered situations that come up during or after departure.

Trip cancellation insurance is a pre-departure benefit that can reimburse trip costs if a traveler needs to cancel their trip altogether due to unforeseeable and non-refundable circumstances.

There can be some subtle differences between the coverage provided in trip interruption versus cancellation insurance-covered situations. For more information, consult your Chase Freedom Guide to Benefits. The following is a summary of some applicable trip interruption or cancellation situations:

What is covered by Chase Freedom’s travel insurance?

The Chase Freedom card may cover trip interruption or cancellation from:

• Hurricanes, tornadoes, or other severe weather either impacting the point of origin or destination of your trip, as well as the airspace or route between the two points, that causes the cessation or cancellation of service by the airline or another type of common carrier, such as a cruise line. This also applies to hotels and resort destinations you may have booked when they are impacted by severe storms.
• Accidental bodily injury , or a severe illness prior to or during a trip that impacts the cardmember traveler, their traveling spouse or domestic partner, or their immediate relative—see cardmember Benefits Guide for details
• An organized strike impacting the common carrier (airline) or public transportation that causes you or your spouse or domestic partner to miss at least 20% of your booked itinerary
• A change in military orders for you, your spouse or domestic partner that requires you to cut short or cancel your trip

What’s not covered by Chase Freedom travel insurance

The following is a short list of common exclusions from Chase Freedom travel insurance:

• Trip interruption and cancellation insurance does not apply to trips lasting more than 60 days
• Trip interruptions or cancellations caused by the financial insolvency of a booked airline, tour operator or travel agency
• Any pre-existing medical conditions are not covered

Please note that these benefits are payable over and above any amount due from valid or collectible insurance, such as a travel insurance policy you may have taken out from an insurance company to insure you trip. Please also be aware that these benefits will not apply if you fail to contact the common carrier such as an airline and address any compensation you may be owed from the airline. Nor do these benefits apply to a voluntary situation when a cardmember accepts compensation in miles from an overbooking airline to take a later flight.

What Travel and Emergency Assistance Services are available to Chase Freedom cardmembers?

Chase through its Benefits Administrator offers a Travel and Emergency Assistance line that can be reached 24 hours a day, 365 days a year. This helpline can assist you with pre-trip information about your destination, such as currency exchange rates and the required visas and immunizations to visit a country. The Travel and Emergency Assistance help line can also assist with certain stressful situations that can arise while traveling in a foreign country, such as:

• Medical referral assistance to hospitals, doctors and dentists
• Legal referral assistance
• Arranging for emergency ground transportation to leave the country

Although the Travel and Emergency Assistance helpline can direct you to legal, medical, dental and transportation providers in the foreign country you are visiting, all costs associated with these services will be your responsibility.

Chase Freedom card coverage benefits for rental cars

The Chase Freedom Auto Rental Collision Damage Waiver (ARCDW) that comes with your Chase Freedom card can reduce some of the stress involved in renting a car, by offering some protection against damage or theft to domestic rental cars. Your cardmember benefit also can provide primary coverage for damage or theft to international car rentals. Note that in order for this coverage to apply, you must waive the rental car company’s own collision damage waiver coverage when reserving your vehicle and picking it up at the rental car counter.

Car rentals that last more than 31 days, as well as high-performance or luxury cars and boat rentals are not covered. Rental car provider, country and vehicle type restrictions apply—see your Guide to Benefits terms and conditions for details.

If there’s been a collision damaging your rental car, please report the damage to the rental car company before contacting the Benefits Administrator.

How to file a Chase Freedom travel insurance claim

If your flight or cruise line trip is interrupted or cancelled, contact the common carrier first to see if they can address the situation first, before contacting the Benefits Administrator.

In order to qualify for these benefits and file a claim for an interrupted or cancelled trip with the Benefits Administrator, you must:

• Take action within 20 days of your trip being cancelled or interrupted, by calling the Benefit Administrator using the number on the back of your card, or logging on to eclaimsline.com
• Provide the Freedom card statement for the travel expenses charged and any necessary documentation from your trip, such as your travel itinerary, unused or cancelled flight plane tickets or medical treatment records
• Submit all documentation requested by the Benefits Administrator within 90 days of your interrupted or cancelled trip

Final thoughts: What to know before you go

The trip interruption and cancellation insurance coverage that comes with booking holiday travel or vacations using your Chase Freedom card shouldn’t be viewed as a replacement, but as a supplement to any travel insurance policies you may purchase through an insurance company. Researching and purchasing a travel insurance policy is highly recommended if you plan to travel internationally for more than several weeks. Exclusions apply for trips that exceed 60 days duration — see your cardmember Benefits Guide for details.

Knowing that help is just a phone call away can be a relief when you are traveling to an unfamiliar destination or a foreign country. So too can be knowing you have collision damage coverage when renting a car in the U.S. or abroad using your Chase Freedom credit card.

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Chase Sapphire Preferred Card Travel Insurance – 10 Frequently Asked Questions [2024]

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Chase Sapphire Preferred Card Overview

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The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.

If you’re like most people, you hear the word “insurance,” and your eyelids start feeling heavy. Let’s be honest: Insurance isn’t thrilling. The terminology can feel confusing, leaving you with many questions about what exactly the travel insurance on your Chase Sapphire Preferred card does and doesn’t cover.

You have questions, and we have answers. Here’s a simple look at your most common questions about travel insurance on the Chase Sapphire Preferred card.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• 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 SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel SM . For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None
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Before moving any further, let’s ensure you’re familiar with the long list of travel protections built into the Chase Sapphire Preferred card :

• Auto rental collision damage waiver
• Baggage delay insurance
• Lost luggage reimbursement
• Travel accident insurance
• Trip cancellation and trip interruption insurance
• Trip delay reimbursement

You’ll also enjoy several other cardholder benefits and protections beyond travel insurance :

• Extended warranty protection
• No foreign transaction fees
• Purchase protection
• Roadside dispatch
• Travel and emergency assistance

Some of the benefits seem more obvious than others. And, as with all insurance, there are always specific terms to understand, exclusions to mind, and coverage limits . Let’s clear some of those up.

1. What Flight Insurance Does the Chase Sapphire Preferred Card Have?

When flying, you’ll have 2 types of insurance: travel accident insurance and trip cancellation and interruption insurance. Both types are in effect for trips for which you paid at least a portion of the cost with your Chase Sapphire Preferred card. Let’s look at each benefit.

Travel accident insurance applies to you and your immediate family members if one of you becomes permanently injured or dies while traveling. The cardholder benefit guide lists specific dollar amounts that you can be paid for specific injury types. The coverage is further divided into 2 categories: traveling on a common carrier and 24-hour coverage .

Coverage related to a common carrier covers both injuries and death resulting from your travel on a licensed air, land, or sea transport that regularly carries paying passengers . Think planes and ferries, for example. You’ll also be covered while at an airport, terminal, or station immediately before or after a trip, including courtesy transport to or from these places if provided as part of your trip. If your flight booking includes the airline picking you up from the hotel, this could be covered if all other conditions are met.

The 24-hour coverage applies around the clock and is valid on trips of up to 30 days. If you take a trip longer than this, coverage will end 1 minute after midnight on the 31st day, though it would come back into effect when you are in transportation to the airport for your flight home. If you drive yourself to the airport, coverage should resume once you are inside the airport .

This benefit reimburses you for the money you lose when a trip paid for (in whole or part) with your card is interrupted or canceled. Trip interruption is when you’ve started the trip and must end it early for a covered reason; trip cancellation applies to canceling a trip before it begins. The maximum benefit payout here is $10,000 per person and up to $20,000 per trip. Both the cardholder and immediate family members are covered.

Trip cancellation coverage begins when you make your first deposit toward the trip and ends when you depart on your scheduled departure date. Trip interruption starts on your scheduled departure date and ends on your scheduled return date. However, if these dates or times are adjusted for reasons beyond your or the carrier’s control, the benefit will adjust automatically .

What expenses are reimbursable? They include nonrefundable, prepaid travel expenses by a licensed supplier, such as a travel agency, hotel, shore excursion agency, etc. When canceling for a covered reason, you’re also covered for redeposit fees to get your airline miles back. Unfortunately, this benefit doesn’t cover lost money you paid for tickets to shows or theme parks, tee times at golf courses, museums, or other entrance fees unless they’re part of a tour package.

You’ll be covered for a few more situations with trip interruption coverage only . These include fees for returning a rental car early or to the nearest facility and up to $250 of expenses to transport you for necessary medical treatment. However, that doesn’t include medical transport (such as ambulances or medevac).

What if you paid with Chase Ultimate Rewards points and are due a refund under these benefits? You’ll be reimbursed according to the value on your travel supplier’s confirmation receipt, assuming that’s listed. If there’s no trip value listed on the receipt after you paid with points, you’ll be reimbursed at a value of 1 cent per point.

Covered Reasons

Not every reason for canceling a trip or ending it early is covered under these benefits. Covered reasons include accidental death or injury, a sickness requiring hospitalization, severe weather, a named storm warning, a change in military orders, a subpoena or call to jury duty, your home being burglarized or becoming uninhabitable, your hotel becoming uninhabitable, a public transportation strike that makes you miss 20% of a trip or a scheduled tour departure, and more. Consult the Chase Sapphire Preferred card benefits guide to see if your specific cancellation or interruption reason is covered.

Trip cancellation insurance doesn’t cover everything. For example, changing your mind about a trip is not covered. If your plans are subject to change, you may want to purchase Cancel for Any Reason (CFAR) travel insurance .

This part is a bit confusing, but yes. Chase’s benefits guide for the Chase Sapphire Preferred card states explicitly that cruise lines aren’t included in the definition of a “common carrier.” However, cruise lines are included in the definition of a “travel supplier.”

Why does this matter? Many of the trip cancellation and trip interruption benefits only apply to travel with a common carrier, which doesn’t include cruise lines. However, some benefits do apply to cruises . These include stolen luggage benefits or even canceling a trip if delays mean you’ll miss at least 20% of the trip or that you’ll miss the departure of your cruise ship.

The travel accident and injury benefits also apply while you’re cruising, but it’s worth noting that returning late to your cruise ship, only to find it’s left for the next island without you, isn’t a covered expense. You’ll be on your own for the costs of catching up to your ship.

There are 2 types of baggage protection here: coverage for delayed bags and coverage for lost, stolen, or damaged luggage. Baggage delay insurance covers up to $100 per day for up to 5 days when your bags are delayed by at least 6 hours, covering each additional 24 hours past that until the maximum of 5 days is reached. This benefit applies to you and your immediate family members when you pay for at least part of your trip with your Chase Sapphire Preferred card. You don’t need to be traveling with your immediate family members for them to be covered , as long as at least part of their trip was paid for with your card, which can be a nice perk if you book travel for relatives.

Coverage begins on the scheduled departure date and ends on the scheduled return date, though coverage adjusts automatically if there are changes outside your or the travel provider’s control. There’s also a list of non-covered items, such as medical devices, losses due to war/conflict, electronics, and cash equivalents. In case of baggage delay, you must report it to the travel provid er as soon as possible and keep receipts for necessary expenses you incur ; you’ll submit these for reimbursement afterward.

Lost luggage reimbursement is different; it covers lost, stolen, or damaged luggage during your trip. Both checked and carry-on bags are covered up to a maximum of $3,000 per person per trip. However, there’s a limit of $500 for jewelry, watches, and electronics.

There are some specifics to understand about this coverage, however. First, it doesn’t cover items you leave behind by accident . Second, coverage applies to you and immediate family members (even if you aren’t traveling with them) so long as you paid for at least part of the trip with your Chase Sapphire Preferred card. Coverage is available from the scheduled start to the scheduled end of your trip, but it is automatically adjusted if there are uncontrollable delays to either date.

Coverage applies to common carriers and cruise lines, and you must report the loss, theft, or damage within the timeframe specified by your travel provider. Then, the coverage on your Chase Sapphire Preferred card will cover any difference in the value of your monetary loss (after depreciation of the items) and the payment you receive from the travel provider . Thus, this is secondary coverage. It’s worth noting that documents, furs, tickets, and cash-like items aren’t covered.

Accidents can happen on any trip, from accidentally slipping on the wet deck of a cruise ship to spending nights in a hospital at a far-flung destination. Does your health insurance at home cover you when you head to Florida? What about South America? These are questions worth asking. If your medical coverage won’t be in effect, it’s worth considering medical travel insurance .

The Chase Sapphire Preferred card includes travel accident insurance for you and your immediate family members . It’s in effect if you pay at least part of the airfare for your trip with this card. You’ll receive varying maximum payouts depending on the type of injury (or death) encountered during your trip, and the maximum limit also depends on whether the accident occurs while traveling on a common carrier or at some other point during your trip . The 24-hour benefit provides maximum coverage of $100,000, increasing to $500,000 when traveling on a common carrier.

But how does this work in practice?

If more than 1 person is injured , the benefits administrator will pay no more than 2 times the maximum limit for each type of injury. That sum will be divided among all covered persons eligible for benefits payments.

In case of death , the benefits administrator will give the money to your named beneficiary. If you haven’t named a beneficiary, the order of preference goes from a spouse or domestic partner to children, then parents, siblings, and finally, your estate. If you go missing and haven’t been found after a year, then this will trigger the “loss of life” benefit.

Coverage begins either when you reach the airport, station, or terminal for travel on a common carrier or when you enter courtesy transportation provided to take you to the point at which your trip begins, such as a train station or airport. If you didn’t buy your tickets in advance but are purchasing them when you arrive at the station, coverage begins once you make the payment for travel. Coverage ends after you leave the transportation vessel or exit the courtesy transportation provided afterward.

The 24-hour coverage functions a bit differently. It’s in effect around the clock for up to 30 days, starting from your scheduled departure for air travel. If your trip is longer than 30 days, coverage will pause 1 minute after midnight on the 31st day and resume when you reach the airport for a flight home or are in courtesy transportation to the airport for the flight home.

Obviously, there are exclusions. You aren’t covered if you’re a pilot or crew member on a flight, you get injured while committing a crime, you get injured while skydiving, your injury is self-inflicted, or you’re injured in a war.

Lastly, you may wonder how COVID-19 factors in . The benefits guide says this under covered losses: “Quarantine of you or your traveling companion imposed by a physician or a competent governmental authority having jurisdiction, due to health reasons.”

Thus, your illness could be covered if a doctor or government requires quarantine related to COVID-19. COVID-19 is generally covered under most travel insurance policies in the same way sicknesses are covered. However, not traveling to avoid COVID-19 risks isn’t covered. As the benefits guide says, “Your disinclination to travel, a country closing its borders, or a travel supplier canceling or changing travel arrangements due to an epidemic or pandemic.”

Hotels aren’t treated separately under the Chase Sapphire Preferred card travel insurance terms. If you must cancel or interrupt a trip for a covered reason, then your hotel cancellation fees can be covered. This would include situations like forfeiting a first night’s room cost for canceling your hotel booking at the last minute, assuming you couldn’t arrive for a covered reason, such as a travel delay or a last-minute injury that made you unable to travel.

While you won’t find the word “Airbnb” or even “vacation home” in the benefits guide, you will find a description that covers these types of rentals :

“Provider of Lodging – a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non–commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period …” Chase Sapphire Preferred card benefits guide.

So long as you’ve reserved your rental in advance and have a written contract — which Airbnb provides at the time of booking, courtesy of your confirmation details — your vacation home rental should count as a type of lodging. The contract must state the cancellation provisions, must not include a rental of more than 60 days, and your booking must be made directly with a licensed website or agent — not with the homeowner directly (unless that person is a licensed agent).

Airbnb is a covered lodging type, meaning your booking should qualify for trip interruption, trip cancellation, and trip delay coverage .

In short, yes. However, there are some exclusions. Since your personal auto insurance policy may not cover you abroad, it’s great to know that paying with your Chase Sapphire Preferred card and declining the rental company’s collision damage waiver can provide protection on your next rental .

You can be covered up to the actual cash value of most rental cars against theft or collision damage. Coverage can include administrative fees, loss-of-use charges, and even towing charges. Coverage applies to rentals up to 31 days and covers you plus any additional drivers listed on the rental contract .

You’ll need to use your card (or your points) to pay for the entire cost of the rental , and most vehicle types are covered by this primary insurance. However, coverage doesn’t apply to exotic or antique cars, high-value vehicles, cargo vehicles, motorcycles, RVs, or vans with seating for more than 9 people (including the driver). Note that Teslas qualify as high-value vehicles, so these aren’t covered .

The benefits guide doesn’t spell out any specific excluded countries . However, Visa typically excludes coverage in Israel, Jamaica, and Northern Ireland, plus you may not be able to use your card to pay for a rental (and thus coverage won’t be in effect) with U.S. Treasury Department monetary embargoes . These destinations include places where your credit cards won’t work, such as Cuba, Sudan, Syria, and North Korea.

Unfortunately, no. Because Turo and Zipcar rentals aren’t considered rentals from a rental car agency, most credit card rental car insurance doesn’t cover them .

To file a claim, you should first gather all of the documents related to your claim . These can include receipts, accident reports, police reports, photos, hospital records, or anything else pertinent to the type of claim you’re making.

Next, you can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online . Different claims have different required timelines. For example, auto claims must be filed within 100 days of the incident. However, you need to file within 90 days for baggage delays or losses, but you’re supposed to contact the benefits administrator within 20 days of these incidents to at least provide notice, even though you have 90 days to finish submitting the claim.

This question will be subjective, and different people will arrive at different conclusions. Travel insurance can be useful for the unexpected, but no 2 trips are equal. The best way to decide whether you need additional insurance beyond what the Chase Sapphire Preferred card offers is to look at what it doesn’t cover.

Will you be skydiving? Do you have significant trip expenses related to Turo rentals or short connections that could cause domino effects if you miss a departure time? Are you renting an RV or going camping — types of travel not covered by the Chase Sapphire Preferred card?

If you have prepaid, nonrefundable expenses that wouldn’t be reimbursed by your credit card’s travel insurance in the event of delays or cancellations, getting a travel insurance policy that covers these could be a good idea and could provide peace of mind. That said, not every travel activity is covered by every travel insurance policy, so you want to make sure you choose a policy that covers your expenses for your particular trip .

If you look at your trip and decide that your flights, hotel plans, and simple plan of just relaxing at the beach will be covered by the Chase Sapphire Preferred card, then purchasing an extra policy probably isn’t necessary.

The Chase Sapphire Preferred card offers numerous protections for purchases and trips. Insurance terms can feel confusing, but hopefully, the explanations of these policies should clarify what is and isn’t covered, as well as policy limits, in a way that helps you know whether the coverages are sufficient for your upcoming travels.

Want to learn more about what else this card offers beyond travel insurance? Consult our full Chase Sapphire Preferred card review .

Frequently Asked Questions

Does the chase sapphire preferred card have trip insurance.

Yes, it has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement.

How to file a claim with the Chase Sapphire Preferred card travel insurance?

You can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online. Each claim type has different required documents and a different required submission timeline, so check your benefits guide for your specific claim type.

Does the Chase Sapphire Preferred card reimburse for travel cancellation?

Yes, you can be reimbursed for monetary losses of up to $10,000 per person and up to $20,000 per trip if you cancel for a covered reason. You’ll need to pay for at least part of your trip with your Chase Sapphire Preferred card, and the cancellation must be for a covered reason, such as death, injury, or being called to active military duty.

What insurance does Chase Sapphire Preferred card cover?

The Chase Sapphire Preferred card has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement. Cardholders also get shopping insurance benefits, such as purchase protection and extended warranty protection, plus other benefits like roadside dispatch and travel and emergency assistance services (though these are pay-per-use benefits).

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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The complete guide to Chase Ultimate Rewards

Chase Ultimate Rewards points give you access to some of the best hotel and airline transfer partners in the business, as well as Chase Travel℠ , the issuer's easy-to-use travel portal that allows you to redeem points for a wide variety of bookings, including rental cars, hotels, flights, tours and activities.

Despite increasing competition from American Express Membership Rewards , Citi ThankYou Rewards, Capital One miles and Wells Fargo Go Far Rewards , Chase Ultimate Rewards has maintained its place as one of the most valuable and useful points currencies.

If you're ready to get serious about traveling more for less, here's everything you need to know about how to earn and redeem your Chase Ultimate Rewards points.

What are Chase Ultimate Rewards points?

Ultimate Rewards points are the currency of most Chase-branded credit cards . You can earn Chase Ultimate Rewards points for everyday spending on these cards that you can then redeem for a wide range of rewards.

If you're just getting started in the world of travel credit cards, it's typically best to start with Chase products , thanks to the issuer's well-documented 5/24 rule . In short, you generally can't get approved for any Chase cards — including those that earn Ultimate Rewards points — if you've applied for five or more new credit cards across all banks in the past 24 months.

Keep this restriction in mind as you build a strategy to maximize your credit card rewards.

Related: The ultimate guide to credit card application restrictions

How do I earn Chase Ultimate Rewards points?

There are many ways to earn Chase points at rates of 1 to 10 points per dollar spent, depending on the specific Chase credit card you carry.

The first three cards below earn fully transferable Ultimate Rewards points all by themselves, while the remaining four are technically billed as cash-back credit cards .

However, if you have a full Ultimate Rewards points-earning card, you can combine your Chase cash-back rewards in a single account, effectively converting your cash-back rewards into fully transferable points. For this reason, having more than one Chase card can make sense to maximize your earning and redeeming potential.

Here are the seven cards that allow you to earn Chase Ultimate Rewards points.

Chase Sapphire Preferred® Card

Welcome bonus : You'll receive 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth over $900 when redeemed through Chase Travel.

Why you want it : This is a fantastic all-around travel credit card . It earns points at the following rates:

• 5 points per dollar spent on Lyft (through March 2025)
• 5 points per dollar spent on all travel purchased through Chase Travel
• 3 points per dollar spent on dining , including eligible delivery services, takeout and dining out
• 3 points per dollar spent on select streaming services
• 3 points per dollar spent on online grocery purchases (excluding Target, Walmart and wholesale clubs)
• 2 points per dollar spent on all other travel
• 1 point per dollar spent on all other purchases

The Sapphire Preferred has no foreign transaction fees and comes with many travel perks , including delayed baggage insurance, trip interruption/cancellation insurance and primary car rental insurance .

Annual fee : $95

Application link: Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Welcome bonus : You'll receive 75,000 points after you spend $4,000 on purchases in the first three months from account opening. That's worth $1,125 when redeemed through Chase Travel.

Why you want it : Put simply, you want this card for its earning power and its travel perks that can easily cover the annual fee. It accrues the following earnings:

• 10 points per dollar spent on Lyft (through March 2025)
• 10 points per dollar spent on Chase Dining booked through Ultimate Rewards
• 10 points per dollar spent on hotel and car rental purchases through Chase Travel
• 5 points per dollar spent on airline travel booked through Chase Travel
• 3 points per dollar spent on travel not booked through Chase
• 3 points per dollar spent on other dining purchases
• 1 point per dollar spent on all other eligible purchases

Other perks include an easy-to-use annual travel credit worth $300, a fee credit for Global Entry or TSA PreCheck (up to $100 once every four years) and Priority Pass Select lounge access, as well as entry to the growing list of new Sapphire lounges . This is one of the few cards that allows you to use your Priority Pass membership for discounted meals in airport restaurants , though this benefit will no longer be available from July on. Cardholders also get primary car rental coverage, trip interruption/cancellation insurance and other protections .

Annual fee : $550

Application link: Chase Sapphire Reserve®

Ink Business Preferred® Credit Card

Welcome bonus : You'll receive 100,000 points after you spend $8,000 on purchases in the first three months from account opening.

Why you want it : This is one of the best credit cards for small-business owners , earning 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping, internet, cable and phone services, and advertising made with social media sites and search engines each account anniversary year. You earn 1 point per dollar spent on all other purchases, and points don't expire as long as your account is open.

Application link: Ink Business Preferred® Credit Card

Ink Business Cash® Credit Card

Welcome bonus : Earn up to $750: $350 bonus cash back after you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months from account opening.

Why you want it : Earn 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1%). Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%). You can convert these earnings to Ultimate Rewards points if you have one of the three cards above.

Annual fee : $0

Application link: Ink Business Cash® Credit Card

Ink Business Unlimited® Credit Card

Welcome bonus : Earn up to $750 cash back (which can become 75,000 Ultimate Rewards points) after you spend $3,000 on purchases in the first three months your account is open. Plus, an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Benefits : Earn unlimited 1.5% cash-back rewards on every purchase. These cash-back earnings can be converted to Ultimate Rewards points if you have one of the top three cards listed above, meaning your small business can essentially earn 1.5 points per dollar spent on all charges made with this card.

Application link: Ink Business Unlimited® Credit Card

Chase Freedom Flex℠

Welcome bonus : Earn $200 after you spend $500 in the first three months of account opening

Benefits : The card earns 5% back on select bonus categories, which rotate every quarter and apply up to $1,500 in combined spending (activation required). Past bonus categories include gas stations, supermarkets, restaurants, warehouse stores and department stores. You can convert these rewards to valuable Ultimate Rewards points if you have one of the top three cards listed above. Plus, earn 5% on travel purchased through Chase Travel, 3% on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases.

Application link: Chase Freedom Flex℠

Chase Freedom Unlimited®

Welcome bonus : 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.

Benefits : These earnings can be converted to valuable Ultimate Rewards points if you have one of the top three cards listed above. Plus, earn 5% on travel purchased through Chase Travel, 3% cash back on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases. Earn 1.5% on all other purchases. The card also offers 120-day purchase protection and extended warranty protection .

Application link: Chase Freedom Unlimited®

Other Chase credit cards

Note that there are many other Chase-issued credit cards that aren't listed here, including:

• Those that are no longer available to new applicants, like the Ink Plus and Chase Freedom
• Those that don't fully participate in the Ultimate Rewards program, like the Ink Business Premier® Credit Card , which exclusively offers cash back and doesn't allow rewards to be combined with other cards
• Cobranded products with a partner's loyalty program, like United Airlines cards and Southwest Airlines cards , which don't participate in Ultimate Rewards

Do Chase Ultimate Rewards points expire?

Chase Ultimate Rewards points do not expire, provided you keep at least one card that earns Ultimate Rewards points open.

If you cancel all your Ultimate Rewards cards, you must redeem or transfer your points before closing the last card. Otherwise, you will forfeit the points.

What are Chase Ultimate Rewards points worth?

TPG values Ultimate Rewards points at 2.05 cents apiece . This is largely due to the array of valuable transfer partners like World of Hyatt and United Airlines MileagePlus, as these options give you valuable flexibility in your redemptions.

However, you'll get varying values for Chase points if you pursue other redemption opportunities. For example, Ultimate Rewards points are worth 1.5 cents apiece through Chase Travel for Sapphire Reserve cardholders and 1.25 cents for those with the Sapphire Preferred or Ink Business Preferred. You'll also have access to Chase Pay Yourself Back as a cardholder of any of the above cards, and there are occasionally offers to use Chase points for Apple products or gift cards at an enhanced value.

Finally, Chase points are worth 1 cent apiece if used for simple cash back.

What are the Chase Ultimate Rewards transfer partners?

You can transfer Ultimate Rewards points to 11 airline programs:

• Aer Lingus AerClub
• Air Canada Aeroplan
• Air France-KLM Flying Blue
• British Airways Executive Club
• Emirates Skywards
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United Airlines MileagePlus
• Virgin Atlantic Flying Club

Chase also partners with three hotel programs:

• IHG One Rewards
• Marriott Bonvoy
• World of Hyatt

All transfer ratios are 1:1 (though there are occasional transfer bonuses ), and you must transfer points in 1,000-point increments.

Options to redeem Ultimate Rewards points

When redeeming Ultimate Rewards points, you have three basic options:

• Fixed-value, non-travel redemptions (e.g., cash back, gift cards, Apple products)
• Fixed-value Chase Travel bookings
• Transfers to travel partners

The "best" option comes down to your travel needs. Points are here to save you money, and you should use them when it suits you.

That being said, you should aim for the highest value whenever possible. Here's a look at all of your options.

Transfer to travel partners

Transferring Ultimate Rewards points to travel partners often can be the most valuable way to redeem your hard-earned points. With 14 transfer partners, you have plenty of options, and you can keep your Chase points in your Ultimate Rewards account until you are ready to transfer them, which provides excellent flexibility. Our favorite sweet spots include:

• Top-tier Hyatt hotels : The World of Hyatt award chart is incredibly inexpensive compared to some competitors. You can book some of the fanciest Park Hyatt properties in the entire portfolio, including the Park Hyatt New York and the Park Hyatt Sydney , for 35,000 points per night during off-peak dates. TPG values Hyatt points at 1.7 cents each, so 35,000 points are worth $595. That's a great deal for hotels that routinely sell for close to $1,000, even when demand is low. There's also great value at the lower end of the Hyatt award chart. Category 1 hotels range from 3,500 to 6,500 points per night, depending on peak, standard and off-peak pricing.
• Iberia flights to Madrid : Round-trip flights from New York's John F. Kennedy International Airport (JFK), Chicago's O'Hare International Airport (ORD) and Boston Logan International Airport (BOS) to Spain's capital will only set you back 34,000 Avios in economy, 51,000 points in premium economy or 68,000 points in business class when you transfer your Chase points to Iberia Plus. Considering that most airlines charge at least 60,000 miles for a one-way business-class award to Europe, you're essentially getting a 50% discount.
• Flights to Hawaii with Alaska Airlines and American Airlines : By transferring your Ultimate Rewards points to British Airways, you can book awards with Oneworld partners American Airlines and Alaska Airlines. As long as your nonstop flight distance is under 3,000 miles each way, you can leverage British Airways' (unpublished) distance-based award chart to fly from any West Coast gateway to Hawaii for only 26,000 Avios round-trip.
• All Nippon Airways flights booked through Virgin Atlantic : For just 145,000 points, you can fly round-trip in first class between the West Coast and Tokyo. Flights from other U.S. gateways only cost an extra 25,000 points (170,000 points round-trip). Business-class redemptions are an even better deal, costing just 90,000 to 95,000 points round-trip, depending on your U.S. departure airport. If possible, you'll want to route through JFK and fly ANA's "The Room" business class , which is only available on select routes.
• Short-haul flights to Canada : Aeroplan stuck to an award chart for partner redemptions but added dynamic pricing for Air Canada flights. As a result, you can often find super-cheap short-haul tickets from the U.S. to Canada. For example, a flight from JFK to Toronto Pearson Airport (YYZ) can be booked for under 6,000 points one-way on many dates.

Book via Chase Travel

You can book through Chase Travel and redeem points for your plane tickets, hotel stays, rental cars or experiences at a fixed cash value per point.

As a Chase Sapphire Preferred or Chase Ink Business Preferred cardholder, each point is worth 1.25 cents. If you have the Chase Sapphire Reserve, your points are worth 1.5 cents each toward travel redemptions in the portal. If you have a Chase Freedom Flex, Ink Business Unlimited Credit Card, Ink Business Cash Credit Card or Chase Freedom Unlimited, all points are worth 1 cent each.

However, as noted previously, if you have multiple cards earning Ultimate Rewards points, you can combine your points into the account with the highest value for Ultimate Rewards bookings. For example, your points earned with the Chase Freedom Flex can be moved to your Sapphire Reserve account, thus increasing their value from 1 to 1.5 cents apiece. This is a generous offer from a credit card program.

If you can find inexpensive airfare via Chase Travel, using your points for these flights can make sense to save cash. In the eyes of the airline, tickets booked this way are essentially the same as paid fares. This means you'll earn elite status credits and redeemable miles. Be careful to avoid basic economy tickets unless you are OK with their restrictions.

In the case below, spending 2,973 Ultimate Rewards points from a Sapphire Reserve account to fly from Newark Liberty International Airport (EWR) to Fort Lauderdale-Hollywood International Airport (FLL) isn't too shabby.

You might also consider the travel portal option if you only have a handful of Ultimate Rewards points left since Chase lets you redeem points to cover even just a portion of the trip cost. You would then pay the remaining balance with cash.

Finally, this is a decent option for car rentals, non-chain lodging and when cash rates make spending points through transfer partners a bad value. The hotel options are quite varied, though be aware that if you book a hotel that participates in a major loyalty program through Chase, you likely won't earn hotel points, nor will you be able to take advantage of any elite status perks.

Enjoy fixed-value, non-travel redemptions

You can redeem Chase points for a statement credit or bank deposit at a flat rate of 1 cent each, and this rate also applies to gift cards and Apple products (outside a limited-time special).

However, with Chase Pay Yourself Back, you can redeem points for cash back at a rate of 1.25 to 1.5 cents each, depending on your card. This redemption rate is valid on statement credits toward rotating purchase categories, such as dining.

Finally, you can also link your eligible Chase cards to your Amazon account and pay for purchases with the Shop With Points program. However, you will only receive a value of around 0.8 cents per Ultimate Rewards point.

As you can see, you'll generally get much better value with the program's transfer partners and Chase Travel bookings. However, we know needs can change, so these non-travel redemptions remain fall-back options.

Bottom line

Chase Ultimate Rewards is one of our favorite credit card programs at TPG. It allows you to start with a credit card offering a large welcome bonus and then enjoy bonus points on many everyday spending categories — like airfare, hotels, dining and groceries. Then, you can choose from a huge range of transfer partners, redeem points for travel directly with Chase or choose cash back.

Chase Sapphire Travel Insurance Offered On Cards

T he Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card are two of Chase's most coveted credit card products. With benefits ranging from travel and dining to lounge access and purchase protection, each card has its own set of perks. And one of these perks that's especially beneficial is the travel insurance offered on Chase Sapphire cards. Although you probably won't need to use it often, this particular perk can be a lifesaver if travel doesn't go quite as planned.

Don't wait for something unfortunate to happen on your trip to understand how the insurance works. Find out what's covered, how to claim it and other essential information that can help you best utilize this credit card benefit when things go wrong with this guide to Chase Sapphire travel insurance.

How Does Chase Sapphire Travel Insurance Work?

Chase's Sapphire travel insurance can cover your trip in case of cancellation or interruption, reimburse expenses due to trip delays or lost/delayed baggage and provide supplemental medical insurance or evacuation coverage in case of accident or emergency.

To use Chase Sapphire travel insurance, you must be a Chase Sapphire cardholder and have used that card to pay for some or all of your travel costs for whatever particular trip you'd like to claim the insurance on. Chase defines the cardholder as someone whose 'name is embossed on an eligible Card issued in the United States.' In many cases, spouses, children and immediate family members* may also be covered, even when the cardholder isn't traveling with them, but this varies by card and insurance benefit.

Finally, it's important to know that travel insurance benefits vary by Sapphire card. The travel insurance benefits the Chase Sapphire Reserve card offers can differ from the travel insurance benefits the Chase Sapphire Preferred card provides.

What Is Covered With Chase Sapphire Travel Insurance?

Here are the various travel insurance benefits available for Chase Sapphire cardholders:

Trip Cancellation/Interruption Insurance

This benefit offers reimbursement of up to $10,000 per covered person and $20,000 per trip for cancellation or interruption of travel for the cardholder and immediate family members, assuming a part of the trip has been charged to the cardholder's Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. Maximum coverage in a 12-month period is limited to $40,000.

Eligible travel expenses are considered non-refundable, prepaid travel expenses, things like flights, cruises, hotels, car rentals and more. If you paid using Rewards points, you'll be reimbursed at their monetary value or at $.01 per point.

Chase Sapphire Travel Insurance covers situations like:

• Injury, illness or hospitalization that prevents you from traveling
• Severe weather events
• Jury duty or military order
• Quarantine imposed by a physician
• The lodging at your destination becoming uninhabitable

Chase Sapphire Travel Insurance doesn't cover situations like:

• A change in your financial circumstances
• Failure to obtain required visas or passports
• Not wanting to travel due to civil unrest

Trip Delay Reimbursement

This insurance benefit offers reimbursement for reasonable expenses incurred during a trip delay for up to $500 for each ticket purchase when you're delayed for more than six hours or require an overnight stay for Chase Sapphire Reserve cardholders and more than 12 hours or require an overnight stay for Chase Sapphire Preferred cardholders.

The benefit extends to both the cardholder and accompanying family members (spouses and children under 26). The insurance covers reasonable expenses such as meals, lodging, toiletries and medication.

Travel Accident Insurance

If you have a transportation incident during travel, travel accident insurance covers you, assuming you paid for the transport using a Chase Sapphire card. Travel accident insurance extends to the cardholder and immediate family members.

For Chase Sapphire Preferred cardholders, the covered loss of life benefit amount in the case of a common carrier travel accident (like a flight, cruise, or train incident) is $500,000 per insured person. The 24-hour travel accident insurance, meanwhile, is $100,000. Specific losses covered include things like loss of sight, hearing or limbs.

For Chase Sapphire Reserve cardholders, a maximum amount of up to $1 million is covered for common carrier travel accidents, while 24-hour travel accident insurance remains at $100,000.

Travel and Emergency Assistance Services

If you run into an emergency when traveling, you have access to complimentary assistance along with your spouse and any dependent children under 22 who are traveling with you. This includes things like emergency transportation assistance, medical referrals and legal referrals. However, the costs of these services aren't covered, just the help in sourcing them.

Lost Luggage Reimbursement

If your or your immediate family members' luggage is lost, your checked and carry-on baggage are each covered for up to $3,000 per person per trip. Jewelry and watches are capped at $500 per covered person as are cameras and other electronics.

These items aren't covered in the policy:

• Items you may have left behind
• Documents/papers
• Travelers' Checks

Baggage Delay Insurance

If your or your immediate family members' baggage is delayed for more than six hours, this benefit offers reimbursement for emergency purchases of essentials like toiletries, chargers and clothing. You can get up to $100 daily (up to a maximum of five days).

There's a long list of items that aren't covered; here are some to note:

• Jewelry and watches
• Cameras and electronics
• Hearing aids

Auto Rental Collision Damage Waiver

You can also benefit from the Auto Rental Collision Damage Waiver. The Sapphire version of coverage is Primary , meaning you don't have to file with your insurance company first. This offers reimbursement for damages caused by theft or collision up to $75,000 for rental periods up to 31 days when the Chase Sapphire Reserve card is used to pay for the entire car rental transaction.

Cardholders of the Chase Sapphire Preferred also have this benefit, but the reimbursement amount for damages caused by theft or collision is capped at the Actual Cash Value of most rented cars.

Additional Benefits Covered With Chase Sapphire Reserve Travel Insurance

These are two additional travel insurance benefits available only for Chase Sapphire Reserve cardholders. Here's what they cover.

Emergency Evacuation and Transportation

This benefit covers emergency evacuation and transportation up to $100,000 for you, your spouse and eligible children under the age of 19 (or 26 if they're enrolled as a full"time student at an accredited university). Note that this must be pre-approved by Chase in conjunction with a doctor who certifies that the evacuation is necessary due to severe injury or illness. This benefit also covers repatriation of remains up to $1,000.

Emergency Medical and Dental Benefits

Chase Sapphire Reserve travel insurance also offers emergency medical and dental benefits. Oddly, this benefit only applies to trips that were arranged by a travel agency.

The amount covered is up to $2,500 with a $50 deductible on covered trips. In addition to the cardholder, this benefit covers spouses/domestic partners and/or legally dependent children under 19 (or 26 if legally enrolled as a full-time student at an accredited university).

Do note that this benefit doesn't cover medical situations caused by adventure activities that travelers may do, like scuba diving, parachuting, rock climbing and beyond.

How Do I Claim My Chase Sapphire Travel Insurance?

To file a claim with Chase Sapphire Travel Insurance, you must call the Benefit Administrator. Each type of insurance has different requirements for what documentation you need to provide when submitting a claim.

Each type of claim also has a different time period allowed for submitting a claim. These are the following timelines to know:

• For Trip Cancellation/Trip Interruption claims : Submit within 20 days of cancellation/interruption. Then, return the completed and signed forms/requested documentation within 90 days (or a maximum of one year after the 90-day deadline).
• For Trip Delay Reimbursement claims : Submit within 60 days of delay. Then, return completed and signed forms/requested documentation within 100 days.
• For Lost Luggage claims : Start by filling out the proper documentation for the airline that lost your luggage (save a copy). Contact the Benefits Administrator within 20 days of when your baggage was lost, damaged or stolen. You should receive a claim form within 15 days, which you should submit, alongside documentation, within 90 days.
• For Baggage Delay claims : Start by completing the proper documentation for the airline on which your bag was delayed (save a copy). Contact the Benefits Administrator within 20 days of the delay, then return documentation and forms within 90 days (or a maximum of one year after the 90-day deadline).
• For Auto Rental Collision Damage Waiver claims : Request the proper documentation from the car rental company (and police, if applicable), then contact the Benefits Administrator within 100 days of the incident. Submitting documentation varies by state but is usually required within 120-365 days of the incident.
• Emergency Evacuation and Transportation claims : Call the Benefits Administrator immediately upon incident, then submit the claim and documentation within 180 days of the occurrence.
• Emergency Medical and Dental Benefits claims : Call the Benefit Administrator within 90 days of receiving medical care on your trip, then submit the claim and documentation within 180 days of the occurrence.

Chase Sapphire Reserve cardholders can call 1-888-675-1461 while in the U.S. or call collect at 1-804-281-5772 while outside of the U.S. to file claims. Chase Sapphire Preferred cardholders can call 1-888-320-9961 while in the U.S. or call collect at 1-804-673-1691 while outside of the US to file claims.

An alternative is to visit www.eclaimsline.com to submit your claims.

Bottom Line

Hopefully, you won't need to use it, but it's nice to know Sapphire cardholders have access to Chase Sapphire travel insurance benefits that can help you out of a minor (or serious) pickle.

However, it's important to read the fine print for both the Chase Sapphire Preferred travel insurance benefits and the Chase Sapphire Reserve travel insurance benefits , as there are many exclusions and provisions that you should know before submitting a claim. And when it comes to submitting those claims, make sure to do so within the allocated time periods to ensure coverage.

*Unless otherwise specified within each type of insurance, Chase states that 'Immediate family members include: spouse, and parents thereof; sons and daughters, including adopted children and stepchildren; parents, including stepparents; brothers and sisters; grandparents and grandchildren; aunts or uncles; nieces or nephews; and Domestic Partner and parents thereof, including Domestic Partners and spouses of any individual of this definition. Immediate Family Members also include legal guardians or wards.'

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Credit Cards

Limited-time 75K offers on Chase Sapphire Preferred and Sapphire Reserve

Carissa Rawson

Robin Saks Frankel

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

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Published 3:58 p.m. UTC May 2, 2024

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Retouchman, Getty Images

Here’s some credit card news that should put a twinkle in your eye: Two of the best travel credit cards on the market, the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® are offering a 75,000-point welcome bonus after meeting minimum spend requirements for a limited time starting May 2, 2024. With strong earning potential and phenomenal travel insurance benefits, these cards are must-haves for anyone who loves earning and burning travel rewards.

Let’s take a look at the details.

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Chase Sapphire Preferred® Card

Welcome bonus.

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℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card details

• 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℠.
• Enjoy benefits such as 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Boosted welcome offers on both Sapphire Cards

The Chase Sapphire Preferred® Card and Chase Sapphire Reserve® have a lot in common. They earn the same type of points, known as Ultimate Rewards® , share the same transfer partners and offer similar travel benefits as well as purchase protections and insurances.

However, the Chase Sapphire Reserve charges a $550 annual fee, and comes laden with premium perks like lounge access and an up to $300 annual travel credit while the Chase Sapphire Preferred Card costs just $95 per year but doesn’t offer as rich an array of extras.

The lower annual fee makes the Sapphire Preferred ideal for those who may not want to shell out big bucks for a credit card, while the Sapphire Reserve’s loftier carrying cost makes it a match for those willing to pay for the card’s extras.

What’s all the hype about the Chase Sapphire Preferred? Here’s what makes this card worth the buzz .

Whatever your annual fee proclivities may be, both cards are out with a new, limited-time welcome offer, that can more than make up for the annual fee on either card:

• Chase Sapphire Preferred Card : Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
• Chase Sapphire Reserve : Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

As you can see, the offers for these cards are identical. You’ll need to meet the same amount of minimum spend for each, so the card you select is really going to come down to preference.

The previous welcome offer for both of these cards was 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

It’s important to note that you’re only eligible for the bonus on these cards if you meet specific requirements:

• You must not currently hold a Sapphire credit card.
• You must not have received a new cardmember bonus within the last 48 months.
• You must not have applied for more than five new credit cards from any issuer in the last 24 months, aka the “ Chase 5/24 rule ”.

Chase Sapphire Reserve®

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel℠.

• Up to $300 annual travel credit and Priority Pass Select lounge access.
• Redeem points for 50% more value to book travel through Chase Travel ℠ .
• Transfer points 1:1 to partners such as United Airlines and World of Hyatt.
• High annual fee.
• Not ideal if you aren’t interested in transferring points.
• May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Is it worth it?

Both of these cards earn Chase Ultimate Rewards® , which are an exceptionally valuable and flexible reward currency. With more than 10 hotel and airline travel loyalty partners including JetBlue, Southwest and Marriott Bonvoy, there’s a wide variety of redemption possibilities.

If transferring to loyalty partners isn’t your thing, you can also opt to redeem your Chase Ultimate Rewards within Chase Travel℠ . The value you’ll receive for your points will differ depending on which card you hold:

• Chase Sapphire Preferred Card: A point is worth 1.25 cents when redeemed this way, making the bonus worth $938.
• Chase Sapphire Reserve: A point is worth 1.50 cents when redeemed this way, making the bonus worth $1,125.

With a guaranteed value of at least $938 towards travel, those who are eligible for this welcome offer would do well to take advantage.

Plus, those who are savvy enough to take advantage of transfer partners may even get a value as high as 2 cents per point, stretching the total welcome offer value to $1,500. That makes it a no-brainer for anyone interested in amassing a pile of points quickly.

Final verdict

The Chase Sapphire Preferred Card and the Chase Sapphire Reserve are popular travel credit cards, beloved by all types of rewards enthusiasts. However, if you haven’t yet applied for one of these cards, now’s the time. New welcome offers for both cards mean you’ll get big value for meeting the minimum spending requirement.

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.

Carissa Rawson is a credit cards and award travel expert with nearly a decade of experience. You can find her work in a variety of publications, including Forbes Advisor, Business Insider, The Points Guy, Investopedia, and more. When she's not writing or editing, you can find her in your nearest airport lounge sipping a coffee before her next flight.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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United Quest SM Card

New cardmember offer, earn 60,000 bonus miles + 500 premier qualifying points (pqp), at a glance, pursue your quest sm ..

Travel Credit Card Rewards & Benefits

after you spend $4,000 on purchases in the first 3 months your account is open. * Opens offer details overlay

The 500 PQP are in addition to the PQP you can earn from card purchases. PQP help you reach Premier ® status, which gives you extra benefits like complimentary access to Economy Plus ® , seat upgrades, and more.

This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

$125 annual United purchase credit

Receive up to $125 in statement credits each account anniversary year as reimbursement for United purchases charged to your United Quest Card. * Opens offer details overlay

Up to 10,000 miles in award flight credits each year

Starting with your first anniversary, you'll get 5,000 miles back in your MileagePlus ® account after you take a United ® or United Express-operated award flight booked with your miles - up to 2 times every anniversary year. * Opens offer details overlay

3x miles on United purchases and 2x miles on all other travel and dining

3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit. * Opens offer details overlay

2 miles per $1 spent on all other travel, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls * Opens offer details overlay

2 miles per $1 spent on dining, including eligible delivery services * Opens offer details overlay

2 miles per $1 spent on select streaming services * Opens offer details overlay

1 mile per $1 spent on all other purchases. * Opens offer details overlay

Free first and second checked bags

For you and a companion, save up to $320 per roundtrip. * Opens offer details overlay

Earn up to 6,000 Premier qualifying points (PQP)

You'll earn 25 PQP for every $500 you spend on purchases with your United Quest Card (up to 6,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to and including the Premier 1K ® level. * Opens offer details overlay

Explore Additional Benefits

Refer friends.

if you already have a United Quest SM Card!

Earn up to 100K bonus miles per year

You can earn 10,000 bonus miles for each friend that gets approved for any United MileagePlus ® Card. Click the button below to start referring.

Browse credit cards by category

United quest card travel benefits.

You'll automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your United Quest Card each account anniversary year. * Opens offer details overlay

Free first and second checked bags - savings of up to $320 per roundtrip

The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus ® number in their reservation and purchases their tickets from United with their card * Opens offer details overlay (this purchase requirement is waived for flights during the 90 days from account opening). For complete details, please visit united.com/ChaseBag .

Priority boarding

The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding. * Opens offer details overlay

Up to $100 Global Entry, TSA PreCheck ® or NEXUS fee credit

Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck ® or NEXUS when charged to your card. * Opens offer details overlay

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Quest Card. * Opens offer details overlay

Premier upgrades on award tickets

The primary Cardmember who has MileagePlus ® Premier ® status and is traveling on an award ticket and one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability. * Opens offer details overlay

No foreign transaction fees

Purchases made with your Quest Card outside the U.S. will not be subject to foreign transaction fees. † Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

United Card Events from Chase and United MileagePlus Exclusive Events

Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family. Please visit UnitedCardEvents.com to learn more. Through MileagePlus Exclusives, Cardmembers can use their miles to enjoy unique opportunities, such as exclusive multi-course dinners, sporting events, concerts, and behind-the-scenes experiences in United's operations facilities. Visit united.com/cardevents to learn more.

MileagePlus program benefits

Premier qualifying points (PQP) help you earn MileagePlus Premier ® status, which provides you with an enhanced travel experience. You'll earn 25 PQP for every $500 you spend on purchases with your Quest Card (up to 6,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to and including the Premier 1K ® level. Visit united.com/premier for details about earning Premier status. * Opens offer details overlay

Earning MileagePlus miles

In addition to earning miles for purchases made with your card, you can earn miles by flying with United SM , United Express ® , Star Alliance ™ and other airline partners. You can also earn miles from Mileage Plus partners for hotel stays and car rentals, online shopping, eGift card purchases and by using the MileagePlus X app to pay at your favorite restaurants and retailers. Maximize your mileage earning power when you use your card to pay at MileagePlus partners. You'll earn miles for card purchases plus the miles offered from the partner. See united.com/earn for details on earning miles.

MileagePlus miles don't expire

MileagePlus miles never expire. This MileagePlus program benefit gives you a lifetime to use your miles on flights and much more.

No blackout dates

MileagePlus members can use miles to book any United-operated flight, any time, with no restrictions or blackout dates. * Opens offer details overlay For more information, please visit united.com/AirAwards

Using MileagePlus miles

Your miles can reward you with getaways, unique experiences, or things you love - anything from electronics to dinner at one of your favorite restaurants. Use them for flights on United and other airline partners, hotel stays, car rentals, merchandise, eGift cards and more. Chase Cardmembers can also use miles they've earned with their card to receive a statement credit for United ticket purchases and their annual card membership fee. See united.com/UseMiles for details on using miles.

Contactless - Just Tap To Pay

For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless Opens in a new window .

Travel & purchase coverage

Trip cancellation/interruption insurance.

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations. ** 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 3 days. ** 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

Visa Concierge

Get complimentary Visa Signature Concierge Service 24 hours a day. * Opens offer details overlay Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 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

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 the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad. ** Same page link to disclaimer

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. ** Same page link to disclaimer

Extended Warranty Protection

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

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 .

Partner benefits

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24. * Opens offer details overlay

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 .

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 Miles After You Spend $4,000 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months. With this bonus offer, you will qualify and receive 60,000 bonus miles after you 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 miles 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. Bonus miles do not count toward Premier status. If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account. Offer subject to change.

500 Additional Premier Qualifying Points (PQP): The primary Cardmember will earn 500 Premier Qualifying Points (PQP) after you 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 6-8 weeks for these PQP to post to your account. Promotional PQP will post directly to your United MileagePlus account and will not appear on your credit card statement. The promotional 500 PQP do not count toward the 6,000 calendar year maximum PQP Cardmembers can earn for net purchases. PQP will apply toward Premier status tiers up to and including Premier 1K ® . Qualification requirements for Premier status may vary by MileagePlus program year. To be eligible for this offer, account must be open and not in default at the time of fulfillment. Chase is not responsible for the provision of, or failure to provide, the PQP stated in this offer.

$125 Annual United Credit: A statement credit will automatically be applied to your account when your card is used for United purchases, up to an annual maximum accumulation of $125. 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. Qualifying United purchases include airline tickets purchased from United and the following purchases made from United: seat upgrades; Economy Plus ® ; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. United Card Events from Chase purchases will also qualify. Other United related purchases, such as United Cruises ® , United MileagePlus X, DIRECTV ® and Merchandise Awards, are excluded. United tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. Statement credit(s) will post to your account the same day your United purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. The Annual United Credit will be issued for the year in which the transaction posts to your account. For example, if you pay for Wi-Fi, but United does not post the transaction until after the current annual period ends, the cost of the Wi-Fi will be allocated towards the following year's Annual United Credit maximum of $125.

Anniversary Award Flight Credit: Two (2) 5,000-mile award flight credits for future application to your account after completing an eligible award flight, will be deposited into the primary Cardmember's MileagePlus Program account within 4 weeks after each Cardmember anniversary ("Anniversary" is the date that is twelve months after credit card account open date, and the same date each twelve months thereafter). Award flight credits have no mile value until applied. An award flight credit (one per reservation) will be automatically applied, and 5,000 miles will be added to the primary Cardmember's MileagePlus account, within 2 weeks after fully completing an eligible award flight. Award tickets booked that include at least one (1) United- or United Express-operated flight fully flown and completed and include the primary Cardmember on the reservation, qualify as an eligible award flight. Unused award flight credits may not be combined, transferred, extended beyond expiration date, or re-credited for miles. Each unused award flight credit will expire 12 months after date of issue. To qualify to receive the award flight credits, your account must be open and not in default on your account Anniversary. If your credit card account is closed at any time, United and Chase reserve the right to remove the unused award flight credits from your MileagePlus Program account. Flights purchased with Money + Miles do not qualify for a 5,000-mile award flight credit. Offer and award flight credit rules and regulations are subject to change. Chase is not responsible for offer fulfillment.

Earning Miles: Rewards Program Agreement: For more information about the United Quest SM Card 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 Opens in a new window . How you can earn miles: You'll earn miles on purchases of products and services, minus returns or refunds, made with a United SM 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 miles: United purchases that qualify for the $125 Annual United Purchase 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. 1 mile: You'll earn 1 mile for each $1 spent. 2 miles: You'll earn 2 miles total for each $1 spent (1 additional mile on top of the 1 mile per $1 earned on each purchase) in the following rewards categories: restaurants; select streaming services; travel (excluding United purchases that qualify for 3 miles as described). 3 miles: You'll earn 3 miles total for each $1 after the first $125 is spent annually (2 additional miles on top of the 1 mile per $1 earned on each purchase) on airline tickets purchased from United, and on the following purchases made from United: seat upgrades; Economy Plus ® ; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. You'll also earn 3 miles total for each $1 after the first $125 is spent annually on purchases of United Card Events from Chase. Other United related purchases, such as United Cruises ® , United MileagePlus X, DIRECTV ® and Merchandise Awards, are excluded. United tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. Any purchases that qualify for the $125 Annual United Purchase Credit will not earn miles. "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. Information about earning/transferring miles to United: Miles earned during a billing cycle will be automatically transferred to United after the end of each billing cycle. Losing miles: You'll immediately lose all miles that haven't been transferred to United if your card account status changes, or your card 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 .

Free Checked Bags: The primary Cardmember and one traveling companion on the same reservation are each eligible to receive their first and second standard checked bags free; authorized users are only eligible if they are on the same reservation as the primary Cardmember. To receive first and second standard checked bags free, the primary Cardmember must use their United Quest SM Card to purchase their ticket(s) (this purchase requirement is waived for flights completed during the 90 days following the account open date) and include their MileagePlus ® number in their reservation. First and second standard checked bags free is only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. Service charges for oversized, overweight and extra baggage may apply. Cardmembers who are already exempt from other checked baggage service charges will not receive additional free standard checked bags. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please allow 2 weeks after account opening for your first and second free standard checked bags to be available on eligible United reservations. Please visit united.com/ChaseBag for details.

Earn Premier Qualifying Points (PQP): The primary Cardmember will earn 25 Premier Qualifying Points (PQP) for every $500 in net purchases (including purchases made by authorized users) up to a maximum of 6,000 PQP in a calendar year. PQP will apply towards Premier status tiers up to and including Premier 1K ® . PQP earn rate, annual cap and qualification requirements for Premier status may vary by MileagePlus program year and MileagePlus Credit Card type. Please allow 6-8 weeks after qualifying purchases for PQP to post to your account. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please visit united.com/qualify for details.

Priority Boarding: The primary Cardmember and companions traveling on the same reservation are eligible for priority boarding; authorized users are only eligible if they are on the same reservation as the primary Cardmember. To receive priority boarding, the primary Cardmember must include their MileagePlus ® number in their reservation. Priority boarding is only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. United Quest SM Cardmembers can board the plane before general boarding, after MileagePlus Premier ® members, customers with Premier Access ® and travelers requiring special assistance. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please allow 2 weeks after account opening for priority boarding to be available on your United reservation.

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 United Quest SM 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. Neither United Airlines nor MileagePlus is responsible for the provision of, or failure to provide, the stated benefits. TSA PreCheck ® trademark is used with the permission of the U.S. Department of Homeland Security.

25% back on food, beverage and Wi-Fi purchases on board United and United Express-operated flights and United Club premium drink purchases: You will receive 25% back, in the form of a credit card account statement credit, on purchases of food, beverages and Wi-Fi on board United and United Express-operated flights, and Wi-Fi subscription purchases, when you use your United Quest SM Card to make such purchases. You will also receive 25% back, in the form of a credit card account statement credit, on premium drink purchases at United Clubs. The statement credit will post to your account within 24 hours of your onboard purchase posting to your account. You will also receive 25% back on food, beverage and Wi-Fi purchases made on board, on Wi-Fi subscription purchases, and on premium drink purchases at United Clubs by authorized users who use your United Quest Card account to make such purchases. To qualify for the 25% back, account must be open and not in default at the time of fulfillment. To find a list of United Club locations, please visit United.com .

Upgrading Award Tickets: The primary Cardmember who has MileagePlus ® Premier ® status and is traveling on an award ticket AND one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability; authorized users are only eligible if they are on the same reservation as the primary Cardmember. Assignment of Complimentary Premier Upgrades on award tickets within each Premier level will be prioritized after the lowest paid fare class. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please visit united.com/upgrades for details on flights eligible for Complimentary Premier Upgrades and upgrade processing.

Award Availability, Pricing, and Fees: As long as tickets are still available for sale for the applicable cabin on any United-operated flight, MileagePlus members can use miles to book award travel on such flight. Award pricing is subject to change without notice. Awards on partner-operated flights and upgrade awards are subject to limitations and restrictions. Passenger is responsible for all taxes, fees, baggage fees and surcharges applicable to award travel, including, with respect to government imposed taxes and fees, September 11th Security Fee of $5.60 per one-way trip that does not include a government defined stopover, US Customs, Immigration and APHIS User Fees of $17.80 for each international arrival in the U.S.; and non-U.S. government ticket taxes, fees and airport charges may add up to $355 per ticket as of January 1, 2024. Such taxes, fees and surcharges must be paid at the time of ticketing and are subject to change. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Visit united.com/AirAwards for details.

Concierge Service: Cardmembers are responsible for the cost of any goods or services purchased through the Concierge.

Complimentary DashPass: When the membership is activated for the first time with a United Quest SM Card by 12/31/2024 you and your authorized user(s) will receive 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. After the complimentary DashPass membership period ends, you and any authorized users will continue to be enrolled and charged the then current monthly DashPass rate for each membership activated. You can cancel anytime on DoorDash or Caviar. Membership period for all users on this credit card account will begin and end based on when the first user activates the membership on DoorDash or Caviar, regardless of when subsequent memberships are activated. The same log in 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 applicable Chase credit card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your United Quest SM 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 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. If you product change to another Chase credit card during the promotional period, your benefits may change. You may experience a delay in updating your applicable 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. 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. Your applicable Chase credit card 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 . 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 .

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 Opens in a new window 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.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

United Visa Card Program Information

Individuals whose requests for this offer are not approved will not be enrolled in MileagePlus ® through this request, although existing MileagePlus members will remain enrolled in MileagePlus. Authorized users will not be enrolled in MileagePlus as a result of this request. MileagePlus miles awarded through the use of the authorized user's card will only be credited to the primary cardmember's account. Chase's sole obligation concerning the award and redemption of miles shall be to make a valid request to United to award miles to the Primary Cardmember's associated MileagePlus account. Chase disclaims liability or responsibility for United's failure to award or redeem miles to the Primary Cardmember's associated MileagePlus account after Chase has met its obligations to United in connection with such a request. If a primary Cardmember's membership in United's MileagePlus Program is terminated in accordance with the terms and conditions of that Program, the Cardmember will no longer be eligible to earn any MileagePlus miles for purchases using the United Card or access Cardmember benefits associated with the MileagePlus Program.

MileagePlus Program Terms and Conditions:

Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the United MileagePlus ® program, including without limitation the Premier ® program (the "MileagePlus Program"), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. United ® may change the MileagePlus Program including, but not limited to, rules, regulations, travel awards and special offers or terminate the MileagePlus Program at any time and without notice. United and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for Premier status unless expressly stated otherwise. The accumulation of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program. All calculations made in connection with the MileagePlus Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for Premier status, will be made by United Airlines ® and MileagePlus in their discretion and such calculations will be considered final. Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service marks. For complete details about the MileagePlus Program, go to united.com .

United 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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