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Because of its significant benefits and low annual fee of $95 per year, the Chase Sapphire Preferred® Card is widely regarded as the finest first travel credit card. It all begins with a sign-up bonus offer you’ve surely heard about: 60,000 extra points if you spend $4,000 in the first three months after creating your account. When you redeem those extra points via Chase, they’re worth at least $750 in travel, and they’re worth much more when you transfer them to Chase’s 14 airline and hotel partners.
But, apart from the incentives, the Chase Sapphire Preferred boasts a slew of additional features that make it a great value. Let’s take a look at seven of our favorite lesser-known perks, all of which are available to Sapphire Preferred cardholders at no cost.
1. Travel disruption and cancellation insurance
Assume you’re on a vacation that’s been canceled or cut short due to illness or bad weather, and you’re suddenly out of money. You’d be entitled for a refund if you paid with your Chase Sapphire Preferred, due to the card’s trip cancellation and interruption coverage.
If your trip is interrupted or canceled for a covered cause, this Chase Sapphire Preferred coverage is available for non-refundable travel costs including airline, excursions, and lodging. To be protected, you must pay for the trip using the card, however you may claim up to $10,000 in losses per person and $20,000 per trip.
When it comes to coronavirus, keep in mind that you may utilize this coverage if you get ill from the virus or are forced to quarantine due to a government order. It will not, however, protect you if you just want to cancel your trip as a precaution.
When you apply for the Chase Sapphire Preferred, you’ll receive free travel insurance.
Sapphire by Chase Preferred cardholders are also eligible for main vehicle rental coverage, which is a unique perk given that most travel credit cards only provide secondary coverage.
What’s the difference between the two? Secondary coverage implies that if you have an accident with your rental car, you must first file a claim with your own auto insurance company for the damage, with your credit card only covering any residual charges, such as a deductible, after that. However, since you have primary coverage, you may submit your whole claim to your credit card provider and without contacting your own vehicle insurance policy.
This main auto coverage on the Chase Sapphire Preferred pays for accident damage or theft up to the cash value of the vehicle, and it’s valid on eligible rental vehicles and inside approved countries when you pay with your card. Then, while renting the vehicle, just refuse the collision damage waiver given by the auto rental business.
3. Coverage for baggage delays and missing luggage
Another basic feature of the Chase Sapphire Preferred is baggage delay coverage, which might be useful if your luggage is temporarily misplaced by your airline and you need to purchase toiletries or clothes. This insurance covers you for up to $100 each day for up to five days if your baggage is delayed for six hours or more.
But what if your misplaced baggage never turns up? You’ll have separate coverage for it as well. If your baggage is damaged or stolen by your airline or another common carrier, you may obtain up to $3,000 in coverage per person with the Chase Sapphire Preferred.
With the Chase Sapphire Preferred, you may avoid checked luggage issues.
Travel may be rather unpredictable, and a trip delay might result in unexpected travel expenditures. For example, if you’re detained in a connecting city, a flight delay might mean paying for additional airport meals or possibly an overnight hotel stay.
Fortunately, you’re protected with the Chase Sapphire Preferred. When you pay the common carrier fee using your credit card and your travel is delayed for more than 12 hours and you incur extra expenditures as a consequence, the card will reimburse you for any unplanned charges up to $500 per ticket.
If you want even more security, the Chase Sapphire Reserve®, the Sapphire Preferred’s “big brother,” now provides travel delay coverage that kicks in at a 6-hour delay instead of the usual 12-hour delay. The Sapphire Reserve, on the other hand, has a significantly higher annual fee of $550, so you should only consider it if the card’s other benefits, in addition to its travel coverage, make it worthwhile.
Even if you aren’t traveling, the Chase Sapphire Preferred card offers perks that you may use at home. This includes purchase protection against damage or theft, which reimburses you for the amount of an item you bought with the card if it is destroyed or stolen within a few months after purchase.
This coverage is valid for the first 120 days following purchase, with a claim limit of $500 and a total account maximum of $50,000. If you invest in a great item and it is quickly wrecked or lost due to circumstances beyond your control, then Chase Sapphire Preferred protection will come in handy.
Get the Chase Sapphire Preferred and its purchase protection coverage by clicking here.
When it comes buying products you want to keep for a long time, the Chase Sapphire Preferred might be helpful. On qualified purchases with a manufacturer’s warranty of three years or less, cardholders are entitled for one year of extended warranty coverage. This benefit has a $10,000 claim limit and a $50,000 account limit.
That means if you’re planning a big buy, like a new TV or refrigerator, you may want to consider putting it on the Chase Sapphire Preferred to obtain an additional year of protection on your big purchase.
Finally, the Chase Sapphire Preferred presently includes a year of DoorDash DashPass membership, which allows you to get unlimited restaurant deliveries for $0 delivery cost and reduced service fees on purchases over $12.
However, if you want to take advantage of this opportunity, you must act quickly. While all of the other bonuses on our list are permanent aspects of the Chase Sapphire Preferred, you must enroll in DashPass before December 31, 2021 to get a free year.
While all of these little-known credit card benefits are free for Chase Sapphire Preferred cardholders, keep in mind that coverage only applies if you pay for your trip or purchases using the card. If you use another credit card to pay, you won’t be able to use these advantages if you need them.
However, there are plenty of other reasons to get and use a Chase Sapphire Preferred as your primary credit card, including earning 3 points for every dollar spent on dining, online grocery purchases, and eligible streaming services, as well as 2 points for every dollar spent on all travel and 5 points for every dollar spent on Lyft rides through March 2022. You’ll also get 1 point every dollar spent on any other purchases using the card.
So, if you’re thinking about getting a Chase Sapphire Preferred — or if you already have one — make sure you’re taking advantage of all the benefits of this popular travel card and protecting yourself both at home and on the road.
Learn more about the Chase Sapphire Preferred card and apply today.
Are you looking for more Chase credit cards? Find out which Chase credit cards CNN Underscored selected as the best in 2021.
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The “sapphire preferred benefits” is a company that offers an array of services for the gaming industry. The company’s name comes from being able to offer “preferred” rates on its products.
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