Chase Sapphire Reserve Authorized User Benefits (Priority Pass, Fee, Etc.) [2021]

The Chase Sapphire Reserve is one of the most valuable credit cards on the market. With the 3X on dining and travel, $300 travel credit, 1.5 cent travel portal redemptions, Priority Pass lounge access, and amazing travel and purchase protections, it’s really hard for other issuers to compete with this card.

But is it worth paying a fee to add an authorized user to your account?

This article will answer that question by taking a look at all of the Chase Sapphire Reserve authorized user benefits.

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What are the Chase Sapphire Reserve authorized user benefits?

The main authorized user benefits are:

  • Priority Pass Select membership
  • Travel and purchase protections
  • 3X on dining and travel

I’ll discuss all of these in detail below.

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Priority Pass airport lounge access

Chase Sapphire Reserve authorized users are eligible for their own Priority Pass Select memberships. This is a huge perk because that type of lounge membership would normally cost $399 but you’re getting it for only $75!  

Just like the primary cardholder, the authorized user will be able to bring in up to two guests into the lounge. Also, the authorized user will also have access to the credits that can be used at Priority Pass partner restaurants.

So if you’re always going to be traveling with up to two of your prospective authorized users, they will already be covered for airport lounge access via your own Reserve card. But if they travel alone and want to get access to Priority Pass lounges, then they probably need to be added as an authorized user.

Out of all of the Chase Sapphire Reserve authorized user benefits, this perk is probably the most valuable. You can read more about this lounge policy here

Chase Sapphire Reserve Authorized User Benefits
Priority Pass lounge in Cape Town, South Africa.

Chase Sapphire Reserve Protections

The Chase Sapphire Reserve comes with some of the best travel and purchase protections offered by any credit card. 

Sapphire Reserve authorized user rental car protections 

The most significant protection in my opinion is rental car insurance (or collision damage waiver). The rental car coverage for Sapphire Reserve authorized users is primary coverage, which means that you typically don’t have to file a claim with your rental car insurance company and can avoid a rise in your premium.

In some cases, this perk alone is well worth the $75 one has to pay be added as an authorized user.  

Sapphire Reserve authorized user travel and purchase protections

But primary rental car coverage is only of the many protections that the Reserve comes with. You’ll also get all of the following built-in protections.

  • Lost or damaged Luggage –-For checked or carry-on bags are damaged or lost by the carrier, you’re covered up to $3,000.00
  • Trip Cancellaton/Interruption — If your trip is canceled or cut short by covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses.
  • Trip Delay Reimbursement — If delayed more than 6 hours you are covered for expenses, such as meals and lodging, up to $500 per ticket
  • Baggage Delay Reimbursement — If delayed more than 6 hours, you are covered for essential expenses, such as toiletries and clothes for up to $100
  • Purchase protections — Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • Extended Warranty Protection — Extends the time period of the original manufacturer’s written U.S. repair warranty by 1 additional year on eligible warranties of 3 years or less, up to a maximum of $10,000.00
  • Return Protection — You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year.
  • Travel accident insurance — Travel Accident Insurance consists of two benefit types, Common Carrier Travel Accident Insurance and 24-Hour Travel Accident Insurance, which provide coverage for accidental death or dismemberment, or a combined loss of speech, sight or hearing, experienced on a covered trip.
  • Roadside assistance — Free for up to $50 and up to 4 times per year

You can read more in-depth details about all of these protections here.

3X on dining and travel

Just like the primary cardmember, an authorized user on the Sapphire Reserve will earn 3X on dining and travel.

If you’re only concerned with earning additional bonus points the “poor man” option (below) might be best option.

Benefits Chase Sapphire Reserve authorized users don’t get

While authorized users get tons of valuable perks, they also don’t get everything. Here’s a lot of what they miss out on.

Global Entry and TSA Pre-Check

Chase Sapphire Reserve authorized users don’t get Global Entry and TSA Pre-Check credits to use individually. These perks allow you to breeze through security and customs and can be serious time savers. Other cards like the Amex Platinum offer these benefits to their authorized users

$300 travel credit

The Sapphire Reserve has an awesome $300 travel credit that can be used on just about anything travel-related. However, Sapphire Reserve authorized users do not get their own travel credits. 

With that said, authorized users can still use the $300 travel credit that is attached to the primary cardmembers account.

It’s understandable that Chase wouldn’t give authorized users a $300 travel credit when they only have to pay $75 for their annual fee and other cards like the Platinum Card don’t offer separate travel credits for authorized users.

No authorized user bonus

Also, there is no sign-up bonuses offered for adding Sapphire Reserve authorized users to your account. The only way you can earn the 50,000 point sign-up bonus is if you open up a new credit card with Chase (and you haven’t received that bonus in the last 24 months).

Chase Sapphire Reserve authorized user fee comparison

In order to add a Chase Sapphire Reserve authorized user, you’ll have to pay $75 per authorized user. 

Compare that to the Amex Platinum which allows up to three authorized users for $175 and the Citi Prestige which allows you to add authorized users for $75 each. $75 per authorized user isn’t terribly expensive but it’s high enough to make sure that it’s worth what you’re paying.

Also keep in mind that the Sapphire Reserve’s little brother, the Chase Sapphire Preferred, allows for authorized users for no additional charge (full card details here). The Chase Freedom also allows for free authorized users to be added.

Some authorized users can be added for free on other cards.

Avoiding the authorized user fee

Some people find themselves in the couple conundrum where the each member of the couple wants to hold the Chase Sapphire Reserve but they don’t want to pay the fee for the additional authorized user.

For people in this situation, there are two separate routes you can go:

The “poor man’s” authorized user

The poor man’t authorized user allows you to receive a separate Chase Sapphire Reserve credit card so that you end up with two separate cards that remain active. Simply call up Chase and tell them you want a replacement card with the exact same number, expiration date, etc.

You’ll soon receive an additional card in the mail which can be used concurrently with your prior card. Obviously, this card won’t have the “authorized user’s” name on the card and won’t come with perks like Priority Pass, but that’s why it’s the “poor man’s” authorized user.

The good thing about this option is you can still use to earn points and at no additional cost.

Do the math

You can always run some numbers and figure out if you’ll be earning more in rewards and receiving more in benefits than you would be paying in authorized user fees.

If you’re just going to add one user, you need to determine if your benefits and rewards equal $75 or higher.

For example, if you spent $2,500 on dining and travel in a year then you’d net $75 worth of rewards redeeming your points for a statement credit at 1 cent per point. If you’re redeeming points at 1.5 cents per point that’s $1,666 worth of spend on dining and travel to earn $75 back.

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Chase Sapphire Reserve authorized user FAQ

What is the Chase Sapphire Reserve authorized user fee?

The cost to add a single authorized user on the Chase Sapphire Reserve is $75 per year. Each successive authorized user will have an additional $75 fee per year.

Is the Chase Sapphire Reserve authorized user fee waived?

No, the authorized user annual fee is not waived the first year.

How do you add an authorized user to the Chase Sapphire Reserve?

Simply head to the authorized user Chase page and log-in to your account. Then once you have access to that page select your Sapphire Reserve (you should be able to see the last four digits of the card).

You will need to input the personal details of the authorized user such as the name, date of birth, and address. Chase does not require the Social Security number.

If you don’t want to add an authorized user online, consider calling the customer support number1-800-432-3117.

Will the authorized user account report to the person’s credit report?

If Chase can verify the authorized user, they will report the account to the authorized user’s personal credit report.

Chase does not require you to input a Social Security number when adding an authorized user online so sometimes if you want the account to show up on a personal credit report, you will need to call into Chase and add that person’s social security number.

How do you activate Priority Pass for an authorized user?

If the primary cardmember has not activated his or her Priority Pass membership, then when they activate it it should be activated for all cardmembers on the account.

If you are adding authorized users after the primary card member has activated his or her card, you will need to call Chase in order to activate the Priority Pass membership with the authorized user.

Are authorized users affected by 5/24?

You can add an authorized user to the Chase Sapphire Reserve even if that authorized user is above 5/24. However, an authorized user account may sometimes count towards 5/24 so that is something to consider.

Are current authorized users eligible to sign-up for the Chase Sapphire Reserve?

Yes, if you are currently an authorized user on someone else’s account, you can still be eligible to be approved for the Sapphire Reserve.

How do you remove an authorized user to the Chase Sapphire Reserve?

The easiest way to remove an authorized user is to call the number on the back of your card or call the customer support number at 1-800-432-3117.

Sometimes you may have to follow up with the credit bureaus to make sure that the account has been successfully removed from the credit report. Some credit reports will allow you to dispute an account directly from your report in order to get this done.

Final word

The Chase Sapphire Reserve authorized user benefits are valuable if you’d like to have Priority Pass access. Getting a full membership for $75 is a bargain (assuming you’d actually use it). But beyond some additional protections, there’s not a whole lot of value on the table. And so for many people, I think getting a separate Sapphire Reserve card via the poor man’s method might be the way to go.