How to maximize the benefits of Chase Sapphire Reserve®

Young couple on a safari adventure paid for by maximizing the benefits of Chase Sapphire ReserveImage: Young couple on a safari adventure paid for by maximizing the benefits of Chase Sapphire Reserve

In a Nutshell

We’ve uncovered the little-known Chase Sapphire Reserve® benefits. From trip delay reimbursement and earning more points to getting exclusive access to airport lounges, this card offers more than meets the eye.
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Since arriving on the scene in summer 2016, the Chase Sapphire Reserve® card has taken the world by storm.

The Chase Sapphire Reserve® card is known for its unparalleled rewards and remarkable perks, but they come at a price — a steep annual fee of $550.

If you’re a Chase Sapphire Reserve® cardholder, or are thinking of applying, you’ll want to know how you can take advantage of the card’s benefits to make the fee worth it.

The good news is that savvy cardholders can maximize their Chase Sapphire Reserve® benefits and make it worth the cost. Here’s how.

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Chase Sapphire Reserve®

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1. Sign up for Priority Pass™ Select

Chase Sapphire Reserve® comes with a host of travel perks. These include a $300 annual travel credit, rental car perks and trip cancellation/interruption insurance. The card also charges no foreign transaction fees.

But one of the best Chase Sapphire Reserve® benefits is enrollment in Priority Pass Select, which gives cardholders access to more than 1,300 airport lounges worldwide.

You can add an authorized user to your card for $75 annually, and they’ll be able to enjoy the same lounge perks.

You can save money by not splurging on airport food and have a place to relax while you wait for your flight.

Here’s the deal, though: You must activate your Priority Pass Select membership and get your Priority Pass Select membership card to actually take advantage of these perks. You can’t just show up to a lounge and flash your Chase Sapphire Reserve®.

2. Pair it with another Chase card

Some things are just better in pairs. Wine and cheese. Peanut butter and jelly. Chase Sapphire Reserve® and Chase Freedom Flex℠ ? As it turns out, this card pairing can get cardholders even more bang for their buck.

Pairing Chase Sapphire Reserve® and Chase Freedom Flex℠ can boost your point-earning potential because of the ability to transfer your points.

Here’s how: Although Chase Sapphire Reserve® offers three points per $1 spent on dining at restaurants and travel purchases (as soon as you earn the $300 annual credit) and one point per $1 spent on all other purchases, Chase Freedom Flex℠ offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter when you activate (then 1%).

If you’ve earned points through Chase Freedom Flex℠, you can transfer them to Chase Sapphire Reserve®, where the points can have a higher redemption value if redeemed for travel through Chase Ultimate Rewards®.

Also, you can transfer those points to partnering hotel and airline rewards programs. You may be able to get more value from these partner programs.

3. Get reimbursed if your flight is delayed

There’s one word you don’t want to hear when traveling: delayed. Having a delayed flight can be frustrating, especially if your flight is moved to the following day. Luckily, Chase Sapphire Reserve® has a benefit that may really help: trip-delay reimbursement.

Chase will cover up to $500 per ticket for unreimbursed lodging and meals for you and your family if your flight is delayed more than six hours or if you must stay overnight to catch your next flight.

The caveats? You must have purchased the common carrier fare with an eligible Chase card (i.e., Chase Sapphire Reserve®) or with rewards earned on an eligible Chase card, and coverage only kicks in after any primary insurance is applied.

4. Take advantage of the Visa Infinite Concierge service

Have a special anniversary coming up or a client coming to town and want to wow them? Look no further than the Visa Infinite Concierge service that comes along with the Chase Sapphire Reserve® card.

Through the concierge, you can …

  • Book dinner reservations.
  • Get access to tickets for music and sporting events.

If you need any assistance, you can simply call 1-877-660-0905 to receive personalized assistance.

Bottom line

If you’re a Chase Sapphire Reserve® cardholder, there are so many ways to take advantage of the many perks associated with the card. There are the obvious perks of the card, including …

  • A $300 annual travel credit
  • Up to $100 in statement credits every four years for the application fee for Global Entry or TSA PreCheck
  • Three points per $1 on travel after you earn the $300 annual travel credit and three points per $1 on dining worldwide (one point per $1 spent on all other purchases)

Taking advantage of the obvious — and not-so-obvious perks — can help you easily make back the $550 annual fee, making Chase Sapphire Reserve® more than worth it.

About the author: Melanie Lockert is a freelance writer and editor currently living in Portland, Oregon. She is passionate about education, financial literacy and empowering people to take control of their finances. Her work has been f… Read more.