He Chase Sapphire Reserve® (see rates and fees) is widely considered one of the best credit cards for travel. You gain valuable Chase Ultimate Rewards Points and provides useful statement credits that can improve your travel and lifestyle.
At this time, the Sapphire Reserve features a stellar welcome bonus of 150,000 points after spending $6,000 on purchases in the first three months of account opening. TPG May 2026 ratings place this offer at an incredible value of $3,075.
Many of these advantages, such as Chase Sapphire Airport Lounge Accessthe annual flexible $300 travel credit and benefits with The Edit by Chase Travel℠takes center stage. But did you know that there are many benefits that go unnoticed and that could be profitable in certain circumstances?
Let’s go over seven lesser-known benefits that can save you thousands of dollars in the long run.
Roadside assistance
Whether you’re on a road trip or on your daily commute, you never want to be caught in a bad situation with car trouble.
Fortunately, if you have the Sapphire ReserveYou can access 24/7 roadside assistance in the US and Canada. Call 1-800-350-1697 for services including:
- Fuel delivery (if you run out of gas, you can receive a delivery of up to two gallons of fuel)
- Begin
- Lock service
- Tire change
- Trailer
Roadside service is covered for up to $50 per event, up to four times a year.
TPG Site Content Strategy Director, Carly Helfandsaid one of her friends who trusts the benefit. Her friend once had to ask for help jump-starting her car battery after her young son turned on an interior light in the back seat. He said the benefit has saved him several times in numerous cities and has always provided prompt service.
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Related: The 5 Best Credit Cards That Offer Roadside Assistance
Hotel elite status
If you are not loyal to IHG, you can forget that the Sapphire Reserve Provides a solid benefit when you stay at IHG hotels: Complimentary Platinum Elite Status (until December 31, 2027).
Platinum Elite status offers helpful benefits (when available), including complimentary room upgrades, early check-in, and late check-out at 2 pm.
For TPG senior product manager Andy Kuan, this benefit really made a difference on a family trip. She received a free room upgrade and was able to check in early after a red-eye flight, which she said was a “saver” since she was traveling with her baby.
Cardholders can also spend towards elite status with other brands, earning Hyatt Explorist World Status and an upgrade to IHG Diamond after depositing $75,000 on the card in a calendar year.
Related: Which credit card should I use for IHG stays?
Travel delay refund
If you experience a trip delayhe Sapphire Reserve can reimburse you for many eligible expenses, as long as your delay occurred due to a covered reason, including equipment failure, inclement weather, or a strike.
If your trip (whether by plane, bus, cruise or train) is delayed more than six hours or requires an overnight stay due to a covered reason, you are entitled to a refund as long as you purchased your ticket with your Sapphire Reservation.
The benefit covers you and your family members up to $500 per person per trip, including accommodation and meals.
Related: Flight delayed? Remember these 4 things if you want a travel delay refund with your credit card
Baggage delay and loss insurance
If you have dealt with delayed or lost luggageyou know it’s a massive inconvenience. If your luggage is delayed or diverted for six hours or more, the Sapphire Reserve can refund you for essential items.
Baggage delay insurance covers you and your family members up to $100 per day after the initial six-hour delay, and for each additional 24-hour period afterward, for up to five days. Covered items include essential items needed as a result of the delay, such as clothing, toiletries, and electronic device chargers (limit one per device).
For baggage delay insurance coverage, at least a portion of the cost of your trip must have been charged to your card for benefits to take effect.
In the unfortunate event of lost luggage, the card covers up to $3,000 per insured person on eligible trips. The refund applies to both checked and carry-on luggage. There are some limitations for electronics, jewelry and watches, and exceptions for certain items, including cash and documents.
Related: The best credit cards to pay taxes and fees on award tickets
Trip cancellation/interruption insurance
A canceled trip is a nightmare situation for many travelers. Fortunately, the Sapphire Reserve It comes with some protections that will help you get out with as little financial damage as possible.
Trip cancellation insurance refunds you if you are unable to travel on or before your departure date and, as a result, have to cancel your travel plans. Meanwhile, trip interruption insurance covers you if your trip is interrupted or postponed.
For both trip cancellation and interruption, the Sapphire Reserve covers you and your immediate family members for up to $10,000 per person and up to $20,000 per trip.
Chase covers trip cancellations or interruptions caused by illness or injury affecting you, your travel companion, or an immediate family member; severe weather; terrorism or kidnapping; and unavoidable obligations such as jury or court subpoenas.
However, it will not cover problems caused by war, bankruptcy of a travel company, schedule changes by an airline or tour operator (unless due to adverse weather conditions or a public transport strike), or trips of more than 60 days.
You can start a claim online at chasecardbenefits.com or by calling 1-800-350-1697 within 20 days of cancellation or discontinuation, and Chase recommends filing as soon as possible.
I used Chase trip cancellation insurance to recover almost $250 when I came down with the flu over New Year’s a few years ago. I had planned to stay at a hotel in Charlotte and ring in the New Year with my friends, but after a visit to the emergency room a few days earlier, I had to cancel my stay. After submitting the relevant documentation, Chase refunded the cost of the hotel stay.
Related: How my Chase Sapphire Preferred saved me almost $250 on a canceled trip
Primary car rental insurance
Rent a car It can include a lot of additional fees, so it’s good to know you have protection if something goes wrong. He Sapphire Reserve provides a rental damage waiver that counts as primary coverage when traveling both within the US and abroad. This means that you do not need to report the incident to your personal auto insurance provider.
With Sapphire Reserve’s rental damage waiver, if your rental car is damaged in a collision or you are the victim of theft, you are eligible to receive up to $75,000 in coverage.
Coverage exclusions include certain vehicles, such as vintage cars, large passenger vans, limousines, motorcycles, and recreational vehicles, along with leases, theft or loss of personal belongings, and rentals of more than 31 days.
Both you and any additional drivers included in the rental agreement are eligible for coverage, although you must decline all supplemental insurance offered by the car rental company to be eligible.
This benefit could save you a lot of money out of pocket if you end up in this unfortunate rental car situation. TPG Senior Writer Ben Smithson Credit card insurance once used to be refunded by the total cost of a spare tire while I was traveling in Fiji.
you need to visit chasecardbenefits.com or call 1-800-350-1697 to report theft or damage (regardless of who is at fault) as soon as reasonably possible, but no later than 100 days from the date of the incident.
Related: The best credit cards for rental car coverage
Visa Concierge Benefits
He Sapphire Reserve It’s a Visa Infinite card, which means you have access to an exclusive concierge service.
These services are available 24 hours a day, 7 days a week, 365 days a year for the following services:
- Access to exclusive events
- Dinner arrangements
- Shopping
- Travel arrangements
For example, you can use Visa Concierge to help reserve tables at high-demand restaurants, arrange travel (such as hotel stays or flights), rent vehicles, and organize tours and activities at popular attractions.
You can call 1-800-587-2700 or visit visadigitalconcierge.com to contact the service.
Related: Visa Infinite: Everything you need to know, from car rental benefits to lounge access
How to access the Reserva Zafiro benefits guide
If you want to delve deeper into these cardholder benefits yourself, Sign in to your Chase account and download the most up-to-date benefits guide. Please note that these guides are updated from time to time, so you’ll want to be sure to check out the most recent version.
Related: What you need to know about the benefits of the Visa Signature card
In a nutshell
Although the widely known benefits of Sapphire Reserve are incredibly useful, some of the card’s lesser-known benefits also offer great value.
Please note that benefits may change over time. Before submitting a claim, take a few minutes to read your benefits guide to understand what is covered, who is eligible, and what documents you may need. Doing this ahead of time can make the process faster and easier.
For more information, read our complete review of the Sapphire Reserve.
Apply here: Chase Sapphire Reserve
