Chase Sapphire Reserve Travel Benefits Guide 2026

📌 At a Glance: Top Travel Perks

No foreign transaction fees

$300 annual travel credit (automatic, applied to first travel purchases)

Primary rental car insurance up to $75,000

Priority Pass Select — unlimited visits to 1,300+ lounges worldwide

Chase Sapphire Lounges — complimentary access at select US airports

1:1 point transfer to 14+ airline and hotel partners

Trip delay coverage after 6 hours ($500/person)

Emergency evacuation up to $100,000 and emergency medical up to $2,500

Travel Benefits Breakdown

Here's exactly what you get — and what you don't — when you use the Chase Sapphire Reserve for travel.

✈️ Lounge Access

Network: Priority Pass Select

Guest policy: Up to 2 complimentary guests per visit

Chase Sapphire Lounges by The Club

Unlimited visits to 1,300+ Priority Pass lounges worldwide and Chase Sapphire Lounges (currently DFW, LAX, BOS, JFK, LGA, ORD, PHL, PHX, SAN). Up to 2 complimentary guests per visit.

🛂 Global Entry / TSA PreCheck Credit

Get a $120 statement credit every every 4 years when you pay for Global Entry, TSA PreCheck, NEXUS with this card.

Global Entry ($100) includes TSA PreCheck and lets you skip customs lines when returning to the US — worth every cent for international travelers.

⏱️ Trip Delay Insurance

If your trip is delayed by 6+ hours, you're covered for up to $500/person in expenses.

Covers: meals, lodging, toiletries, essential items

Must book travel with this card. Keep all receipts for reimbursement.

🚫 Trip Cancellation & Interruption

Reimburses up to $10,000/person (max $20,000/trip) if you must cancel or cut short your trip.

Covered reasons: sickness, severe weather, jury duty, change in military orders

🧳 Baggage Insurance

Lost/stolen/damaged baggage: Up to $3,000/person

Delayed baggage: Up to $500/person after 6+ hours. Covers essential items, toiletries, clothing.

🏥 Emergency Medical & Evacuation

Evacuation coverage: Up to $100,000 for emergency medical transportation.

Medical treatment: Up to $2,500 for medical expenses while traveling.

Emergency Evacuation and Transportation: up to $100,000 for medical services and transportation if injured/ill 100+ miles from home. Emergency Medical and Dental: up to $2,500 (subject to $50 deductible) for medical expenses while traveling. These are SEPARATE benefits — evacuation covers transport, medical/dental covers treatment costs.

🚗 Rental Car Insurance

✅ Primary coverage — this means you do NOT need to file with your personal auto insurance first. You can decline the collision damage waiver (CDW) at the counter and save $10–30/day.

Coverage amount: Up to $75,000

Covers: collision damage, theft

Excludes: liability, personal injury

Eligible countries: Worldwide. Country exclusions may apply — check current benefit guide.

🌍 Foreign Transaction Fees

✅ No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.

💰 Annual Credits & Perks

Hotel credit: $500/year — Up to $500/year in statement credits for prepaid stays with The Edit by Chase Travel (up to $250 per transaction, 2-night minimum). Additional $250 credit through 12/31/26 for select Chase Travel hotels (IHG, Montage, Omni, etc.).
Annual Travel Credit: $300/year — Automatic statement credit on first $300 of travel purchases each anniversary year.
Dining Credit: $300/year — Up to $150 Jan-Jun + $150 Jul-Dec at Sapphire Exclusive Tables restaurants on OpenTable.
Apple Subscriptions: $288/year — Up to $24/month for Apple TV+ and Apple Music family plan.

Rewards Structure

1x Ultimate Rewards per $1

Base rate on all purchases

8x on all purchases through Chase Travel (including The Edit); 4x on flights booked direct; 4x on hotels booked direct; 3x on general travel after $300 credit
Travel purchases

3x on dining worldwide

Dining

Point / Mile Values

Cash back / statement credit: ~1¢ per point
Travel portal redemption: ~1¢ per point
Transfer partners: varies (often 0.015-0.02+ with airline/hotel partners)

Pros & Cons for Travelers

👍 Pros

✅ No foreign transaction fees — safe to use internationally
✅ Airport lounge access (Priority Pass Select)
✅ Primary rental car insurance — skip the CDW at the counter
✅ Trip cancellation coverage (up to $10,000/person)
✅ Trip delay coverage after 6+ hours
✅ $120 Global Entry/TSA PreCheck credit

👎 Cons

❌ High annual fee ($795) requires heavy use to justify

🎯 Who Is This Card Best For?

Frequent international travelers who value lounge access, primary rental car insurance, comprehensive travel protection, and flexible point transfers

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Chase Sapphire Reserve