The Chase Sapphire Reserve is one of the hottest premium credit cards with a number of solid perks, including Priority Pass airport lounge access. I’ve used its Priority Pass membership a countless number of times and it is still one of the few cards that I always keep in my wallet.
But what exactly can you expect with Chase Sapphire Reserve lounge access and what access do guests get?
This article will explain everything you need to know about the Sapphire Reserve’s lounge access policy for cardmembers and guests. I’ll also show you how to find a list of Priority Pass lounges in the US and around the globe and offer up some alternative options for lounge access.
What is the Chase Sapphire Reserve airport lounge access policy?
Priority Pass offers different types of memberships but the type of membership given to Chase Sapphire Reserve holders is Priority Pass Select, which is essentially the equivalent of “Prestige” which would normally cost you $400 and wouldn’t even allow free guests. So this is an extremely valuable perk just in terms of its monetary value.
Considering that the annual fee for the Reserve is $550, and that you can use the $300 travel credit and $60 DoorDash credit to offset that annual fee down to $190, it is like getting a $400 membership for well under $200 (assuming you take advantage of other perks of the credit card).
Priority Pass membership tiers.
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Priority Pass lounges vary in quality and services offered.
Some Priority Pass lounges might offer clean showers, hot food items, complimentary alcohol, modern decor, spacious multi-floor seating, and inspiring views of the tarmac. At these lounges you will be loving life and at peace with the universe (even with flight delays).
Other Priority Pass lounges may consist of merely a large, dim room with canned sodas, chips, and some painfully slow internet. At these lounges you will not be living life and not be at peace with the universe (and yes, flight delays will have you questioning your life choices).
Still, even though the quality differs among Priority Pass lounges, I’ve been overall pleased with my Chase Sapphire Reserve lounge access, especially while traveling abroad. I’ve visited some very nice lounges that have offered me some crucial rest when I needed it the most. The key is to always do research so that you know if you will have a lounge at the airport you are traveling through.
Bidvest Premier Lounge in Cape Town, South Africa.
Chase Sapphire Reserve Priority Pass guest policy
The Chase Sapphire Reserve was unique when it was released in that it offered Priority Pass access to the cardholder and to every guest traveling on the same itinerary.
Yes, you could walk into a lounge with 10 other people and everybody could get in as long as you were all on the same travel itinerary. So as you can probably imagine people abused this benefit to death. Literally.
Chase ended up revising their policy so that card holders were limited to only two guests per visit, which is the current policy.
It’s worth noting that most lounges have their own policy when it comes to allowing folks in. Typically, they will follow the guest policy attached to your membership but at times, “due to capacity,” they could limit the entrance of guests.
Heck, they could even turn you, the cardmember, around and not allow you to enter the lounge if they are too full. Some lounges will have dedicated hours when Priority Pass members are not given access so watch out for those, too.
There are quite a few restaurants that are part of the Priority Pass lounge network. At these restaurants, you can get a credit of around $30 that you can use toward food or beverages which is quite nice.
Some cards with Priority Pass do not allow you to receive these credits for these restaurants but with the Chase Sapphire Reserve you definitely get these credits.
How it works is that you scan your Priority Pass card or app and then scan your boarding pass at the beginning of your meal. Sometimes the server will ask you if you are a Priority Pass member but other times you can just call it to their attention.
They should clarify the amount of your dining credit and then you simply can order whatever you want and apply that credit to food or drinks. The only thing you can’t apply the credit to is tips.
Hitting up these restaurants is great at airports that don’t have lounges or even at airports that do have lounges but are overran with other guests.
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
Priority Pass restaurant in Tucson Airport.
Accessing arrival lounges or lounges upon arrival
Some Priority Pass lounges will allow you to access the lounge when you arrive at the airport so you don’t always have to be departing.
For example, let’s say that you fly from Seattle to Los Angeles. When you arrive in Los Angeles, it is possible that you could get access to a Priority Pass lounge. Lounges may not always allow folks to enter when they are arriving so you can’t always count on this.
Then there are also arrival lounges — these are lounges that are dedicated to passengers arriving at the airport and of course you will be allowed in if that lounge is a part of the Priority Pass network.
Priority Pass arrivals lounge at SIN.
Do authorized users get Priority Pass?
Each authorized user will get their own Priority Pass so they can get access into airport lounges along with two additional guests. The annual fee for each authorized user is $75 so you could consider this a heavily discounted Priority Pass membership.
You cannot forget to activate your Priority Pass membership after you get approved for the Sapphire Reserve because it does not automatically get activated. If you forget to activate, not only will you not have a lounge membership but you will officially be a Reserve newb.
Once you have your Sapphire Reserve online account setup, log-in and go to Ultimate Rewards.
Form there, click on “Card Benefits” and then the “Activate Now” button. That will activate the benefit for you and any authorized users you have added to your account.
Your membership will remain active until you close the card.
If you add your authorized user after activating the card for yourself, just call in to Chase and let them know what you’re trying to do.
Remember to bring your Priority Pass Card!
Merely holding the Sapphire Reserve credit card in your possession will not be enough to get you access into the lounge. For this reason, I always advise people to bring along their physical Priority Pass card which gets mailed out to you.
And although it’s possible to gain access with the app (“the digital membership card”), not all lounges will take the digital card. And there is always the chance that their computers are not working properly or something along those lines.
Here is what Priority Pass states about bringing your card:
All lounges accept the physical membership card and the majority of our 1300+ lounges also accept the Digital Membership Card. To avoid any disappointment, we recommend you always carry both cards with you when traveling.
So I always try to keep my physical card on me when traveling. It’s just good practice.
What if I forget my card?
If for some reason you forget to carry your Priority Pass card with you, you can charge the lounge access on your Sapphire Reserve and Chase might reimburse you for the expense. Keyword “might.”
I’ve been told they will do this, but I would not 100% rely on this (especially more than once) because this sounds like something where your mileage could vary.
If you do end up doing this, simply call the number on the back of your card or send them a secure message explaining to them how you misplaced or forgot your card and how you would like to request a reimbursement for the lounge entrance fee. And then cross your fingers.
Other lounge memberships
It’s worth noting that only approximately 5% of Priority Pass lounges are located inside the US. Yes, you heard that right only 5%.
And while there are more Priority Pass lounges popping up all the time, many feel that the domestic lounges are much too crowded.
Therefore, if you want to maximize domestic airport lounge access with credit cards, you might want to consider some other options. Below are a couple of options that will have you relaxing stress-free in some great lounges all around the US.
American Express Centurion Lounges
My favorite lounges to visit when traveling in the United States are the American Express Centurion Lounges. These are definitely some of the nicer domestic lounges and you can typically find the following features:
Hot food items
Complementary quality cocktails
Showers
Quality service
Free Wi-Fi
Swanky decor
Some even have spas
You can only get access to these lounges if you have a qualifying card.
Qualifying cards include the American Express Platinum Card, the Business Platinum Card, and the Centurion Card, also known as the American Express Black Card.
The Platinum Card comes with a Priority Pass membership but it does not offer you access to Priority Pass restaurants in airports which is a bit of a bummer (you get a host of other lounge memberships though).
The annual fee for the Platinum Card is $695 which is expensive but you can offset this annual fee with several credits like the $200 airline credit, $200 Uber credit, and $100 Saks credit. Also, the Platinum Card is simply loaded with additional benefits and you can read more about those here.
Hong Kong Centurion Lounge.
Co-branded credit cards
Maybe you are more of the loyal type and interested in getting airport lounge access with just one airline. For example, maybe you live next to a United hub and frequently pass through that airport. In that case, maybe you would be interested in getting a United Club membership?
Well, you are in luck because you can use cards like the United Club Card to get an annual membership into United Club lounges.
Other airlines like Delta and American Airlines also have credit cards that will offer you lounge access.
Sapphire Reserve airport lounge FAQ
What are Priority Pass lounges?
Priority Pass lounges are part of a global network of airport lounges that number over 1,300. At these lounges, you might find clean showers, hot food items, complimentary alcohol, modern decor, and inspiring views of the tarmac.
How many guests can you bring into a Priority Pass lounge?
You are allowed to bring in two additional guests for free.
Do you get access to Priority Pass restaurant credits?
Yes, you can often receive a $30 credit that you can use toward food or beverages.
Do you have to activate your lounge membership?
Yes, you will have to activate your Priority Pass membership after you get approved for the Sapphire Reserve.
Final word
Overall, the Chase Sapphire Reserve lounge access is solid in that you get Priority Pass Select along with restaurant access and guest access. But, if I were primarily concerned with lounges, I’d look heavily into the Platinum Card since it offers broader access to other lounges.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Do Chase Sapphire Credit Cards Cover Turo Car Rentals? [2022]
Turo is turning out to be one of the most convenient and (sometimes) cost efficient ways to go about renting a car when traveling.
For those of us who often rely on rental coverage from a Chase Sapphire credit card, a big question looms of whether or not you can get coverage with a Turo rental.
In this article, I’ll take a look at whether or not you can get rental car coverage with a Chase Sapphire Preferred or Chase Sapphire Reserve. I’ll also present you with some alternative options including pricing options that you might have to go with when booking with Turo.
Do Chase Sapphire Credit Cards cover Turo rentals?
No, you most likely will NOT get rental car coverage with Chase Sapphire credit cards because Turo is not considered (by Chase) to be a rental agency and instead is viewed as a peer to peer car service.
Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!
Chase Sapphire Preferred
First, let’s take a look at the Chase Sapphire Preferred benefits.
The Auto Rental Collision Damage Waiver benefit provides reimbursement for damages caused by theft or collision up to the Actual Cash Value of most rented cars.
It’s one of the most significant credit card benefits because it offers primary coverage which can allow you to bypass involving your car insurance and save you money when renting cars.
The Sapphire Preferred has quite a few exclusions where you can’t get coverage. It includes instances like damage caused by going off road and renting high-end luxury vehicles (Bentley, Corvette, Ferrari, Jaguar, Lamborghini, etc.).
(Some people use Turo to rent these fancy cars so it’s something to be aware of.)
But one of the exclusions explicitly mentioned is “Vehicles that are not rented from a Rental Agency.”
The terms go on to define a rental agency as:
a commercial rental company licensed under the laws of the applicable jurisdiction and whose primary business is renting automobiles.
Turo is usually/always not considered a rental agency so this means that your coverage would not apply when using the Chase Sapphire Preferred to book with Turo. (This was also confirmed by a representative that I later spoke with.) So things are pretty clear cut with the Chase Sapphire Preferred but what about the Reserve?
Now, let’s take a look at the Chase Sapphire Reserve benefits.
A lot of people don’t know this but the terms for primary rental car coverage for the Chase Sapphire Reserve are a little bit different from the Sapphire Preferred. And this makes sense because it’s a more premium card.
Unlike the Sapphire Preferred which refers to the actual cash value of vehicles and excludes high-end vehicles, the Reserve states that it will reimburse you for up to $75,000 for most vehicles but does have exclusions for vehicles like:
antique automobiles; cargo vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles.
Although the terms did not always have this language, they now show exclusions for “Vehicles that are not rented from a Rental Agency.”
The terms also exclude “Leases and mini leases” and so it makes me wonder if a Turo agreement could be considered a “mini lease” although that does not seem likely.
And just to make sure, I called the benefit services administrator to get clarification and they made it very clear to me that Turo rentals would not be covered by the Chase Sapphire Reserve or Preferred.
They stated that in order to get coverage you would have to rent from a commercially licensed rental car agency. They also mentioned that any peer-to-peer rentals (which is exactly what Turo reportedly is) would not allow for coverage.
While all of that makes sense, I find it really curious that the Sapphire Reserve terms do not make more of an effort to specifically talk about peer to peer rentals but oh well.
In finding that Turo is a rental car company, the court noted the similarities with Turo’s model compared to incumbent car rental companies: Turo’s internet-based platform allows customers to rent specific passenger vehicles; Turo receives a percentage of the proceeds from each rental transaction; Turo sells insurance
Such findings could have consequences for rental car coverage in the future but for now it doesn’t seem to be enough to get you coverage with your Sapphire cards.
Alternatives
Just because you can’t get coverage with a Chase card, that does not mean that you cannot get coverage for your Turo rental.
First, you should consider contacting your car insurance provider and inquire with him about your policy and how it applies to peer to peer rentals.
In our case, we had USAA and they verified with us that we would have coverage in the event of some sort of incident.
You can also look into buying coverage via Turo which can increase your rental cost anywhere from $20+ a day to $70.
They offer three different plans (Minimum, Standard or Premier) and you can see the pricing details below. (note that these are subject to change).
You can also choose to decline the insurance all together.
Premier plan
Cost is 65% to 100% of the trip price; minimum charge of $14/day.
Standard plan
Cost is 40% of the trip price; minimum charge of $12/day.
Minimum plan
Cost is 18% of the trip price when the trip price is more than $250; minimum charge of $10/day.
Cost is 25% of the trip price when the trip price is less than $250; minimum charge of $10/day.
Final word
While the Sapphire Reserve and the Sapphire Preferred provide great rental car coverage; unfortunately, you cannot get coverage for a rental with Turo.
That is because Turo would not be considered a commercially licensed rental car agency and instead it would be classified under a peer to peer car service.
It’s possible that something might change down the line but for now you’ll need to consider the alternative options for coverage.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Chase Reconsideration Line: Tips If Denied (Phone Number) [2022]
If you’re denied or not automatically approved for a Chase credit card, you are probably thinking about calling the Chase reconsideration line.
But before you ever give them a call, read this article!
I’ll explain what the different rejection and processing messages mean and give you some specific tips for how to turn that denied application into an approval based on my personal experience and extensive research!
The Chase reconsideration line is a special phone line you call that offers you a chance to persuade a Chase representative to overturn a rejection or denied credit card application. The phone number is 1 (800) 453-9719 and the hours of operation are usually:
7am to 10pm EST Monday through Friday
8am to 1pm EST Saturday
9am to 9pm EST on Sunday
You should call this line for all personal credit cards like the Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom, Chase Southwest Premier Card, etc.
But if you’re calling reconsideration for a business credit card like the Chase Ink Preferred or Chase Ink Unlimited then you’ll want to call in to the business reconsideration line.
The Chase business reconsideration line phone number is 1-800-453-9719 and it is usually open 1pm to 10pm Monday through Friday.
See my special tips for business calls further below.
Do I always need to call reconsideration?
You don’t always need to call reconsideration. Depending on the message that you receive after submitting your application, you may or may not need to call reconsideration.
I’ll walk you through some of the messages that you might receive whenever your credit card application is not automatically approved and give you some guidance on what route you should take based on the message you receive.
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
Chase application messages
Here are the different types of application status messages that you might get from Chase if you’re not instantly approved for a credit card application.
We’ll notify you “within the next 30 days” message
If your Chase credit card application is not auto approved, you will almost certainly get a message via email stating that you will be notified “within the next 30 days” about the decision of your application. It should look something like this.
The Chase 30 day message — not necessarily a bad thing.
This message just means that your credit card application is being processed — it does not mean you will be rejected or even that you have to call in to reconsideration. Basically, your credit card application is still in limbo.
Chase automated status line
If you receive this 30 day message, you should try calling in to the automated status line at: 800-432-3117.
Note that some times when you call to check on your status they might transfer you to a live human being who will review your application. If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens).
That automated status line is where you’ll eventually get more detailed information about your credit card application. Your status could be updated in a matter of hours or it could take a couple of weeks, so try not to drive yourself insane with checking it every minute of every hour.
There are a few different messages you might receive regarding your application status and they can signal that very different outcomes are on their way.
Another 30 day message
If you call in to the automatic status checker and hear that you’ll be notified within 30 days, that just means that your application is still in limbo. I would recommend you keep checking every day or every other day. At this point, you still don’t have to call Chase reconsideration.
Two week message
If the automatic status checker changes and tells you that you’ll be notified in two weeks, this almost always means that you will be approved!
Getting the two week message usually leads to this!
7 to 10 day message
If the automatic status checker changes and tells you that you’ll be notified in 7 to 10 days, this almost always means that you will be denied. At this point, you may want to go ahead and call into Chase reconsideration line at: 1 (800) 453-9719.
You don’t have to call recon at that point, though. Some people still get approved even after receiving the 7 to 10 day message (usually by verifying their ID), so you could wait until you’re officially denied before calling in.
Calling into the Chase reconsideration line
There are a few things you can do to prepare for a Chase reconsideration line call.
If you’re just applying for a personal credit card, this will be easier than if you were calling about a business credit card, but you should still be prepared.
This is something you might do before you even apply for a Chase credit card in order to avoid reconsideration. It’s generally recommended for people who have a lot of inquiries because those people will probably not be auto-approved.
What you do is lower your credit limit on a given Chase credit card or even on multiple Chase cards so that you free up some credit line for a new card. This will typically be around $5,000 to $10,000 but could vary depending on your credit limits.
Freeing up credit lines might increase the odds that Chase will auto-approve you since they already approved you in the past for that same amount of credit. This doesn’t always work so you need to consider how lowering your credit lines will affect your utilization.
Check on the Chase credit card application rules
This is yet another thing you absolutely should do before you apply for a Chase credit card. You need to know about all of the different Chase credit card application rules like 5/24, 2/30, 24 month rule, etc. But even if you’ve already applied, it’s a good idea to review them to see where you may have gone wrong. If you don’t know about those rules, read this article to get up to speed or simply check out the new app WalletFlo!
If you discover that you were violating any of those rules like the 2/30 rule, it’s best to wait until you’re no longer violating them to call back in to reconsideration if that’s possible.
Put spend on your other credit cards
Before you go into a reconsideration phone call (with any bank) you should try to put spend on your other credit cards issued by them. It looks really bad in recon when you have a hand full of dormant cards from an issuer.
What to say in a Chase reconsideration phone call
During the call you want to remain calm and think clearly about what you’re saying.
At the end of the day, you’re just talking to a credit analyst in private phone conversation so there’s really no need to be nervous. Many of these analysts can be quite friendly (though they sometimes play hardball in business reconsideration calls).
Verify your details
You’ll likely be asked to verify your identity and other details like your income, so make sure you’re ready to answer anything that came up on your credit card application (don’t give contradictory details).
They might also ask you about how much you plan on spending each month/year on the card and what kind of credit line you want. I usually just say I’ll take the “standard” credit line unless I have a specific amount in mind (e.g., $5,000).
Give a legit reason for wanting the product
You want to express your interest in getting the new card or cards for a legitimate reason.
Generally, this does not mean that you’re “just interested in getting the great sign-up bonus.” Try to dig a little deeper in your interests/motivations.
Here are some examples of legitimate reasons for getting new credit cards:
You need the credit card(s) to help segregate your expenses for some reason (e.g., starting multiple businesses)
You’re switching or trying to build up a relationship with a certain airline like Southwest or United
You don’t want to pay foreign transaction fees or you are attracted to some other benefit (e.g., primary rental car insurance)
You prefer one interest rate (APR) over another (especially when dealing with balance transfers)
I think it’s even okay to tell them that you’re trying to build up a more robust credit profile and earn some decent rewards while in the process.
Typically, a recon call will involve a bit of back and forth.
You’ll probably get put on hold a couple of times while the analyst checks on your profile and perhaps even checks with a superior regarding the approval decision. Sometimes those superiors will override the decision of the analyst, so wait until the end of the call to get excited about anything.
If you have opened a lot of new accounts in the past few months, you should be ready to try to explain yourself (and hopefully you’re not at “lol/24” and can do that with a straight face).
Shifting credit
One of the most common ways to get approved in a Chase recon call is to shift credit from one credit card to your new account. You can proactively suggest this as a solution or you can wait until the analyst suggests it (though they may not always offer that option to you).
This is the one drawback to lowering your credit limits before you apply. If you lower them too much, you may not have any credit to shift around for your approval.
Note: Chase no longer allows you to shift credit between business and personal credit cards.
What if Chase recon denies me?
If your conversation with the Chase reconsideration line does not go your way then you should try to call back later that day or another day to see if you have any luck with another analyst.
Sometimes another credit analyst will view your application more favorably. But note that these agents can usually see the last time you called in and the notes on that conversation.
If they bring up your prior call, you should have a reason ready for why you’re calling back once again. Usually, I would just say something like “Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.”
At a certain point, you’ll just have to accept defeat if multiple calls don’t work, though.
How long can you wait to call reconsideration?
You can usually wait up to 30 days to call into reconsideration about your application but I do not recommend waiting that long. There are plenty of reports of Chase pulling your credit report again if you wait near that long.
So I would call in as soon as I got a rejection or the 7 to 10 day message.
Other reconsideration lines
You might be wondering about the reconsideration lines for other banks and you can find their information below.
American Express Reconsideration Line
American Express doesn’t have a true reconsideration line but you can still call them up and speak to a credit analyst if your application is not approved or is still pending.
There are multiple numbers you can call for Barclays reconsideration. In my experience, they are pretty accommodating but can be inquiry sensitive and they like to see that you’re actually using their credit cards.
Capital One is another issuers that doesn’t have a true reconsideration line but you can still contact their customer service line and inquire about your application status.
Sometimes Capital One will tell you that they won’t review your application until you’ve received a response (email or mailer) from them which can be highly annoying.
General Customer Service: 1-800-951-6951
If you want to check on your application status, you can call in to the number below (there’s not currently a way to check it online).
Application Status Checker: 800-933-5182
Citibank Reconsideration Line
I’ve had some interesting experiences over years with Citi reconsideration but they have been mostly positive. Here is their number:
Inquiries: 800-763-9795
Some people will contact the Citi Executive Review Department at CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD, 57117. I’ve never done this but apparently others have had success.
You can check your Citi credit card application status by checking it online or calling the number below:
Citi Application Status Number: 1-800-695-5171
Discover Reconsideration Line
Discover reconsideration is notoriously difficult since they don’t often overturn decisions but you can give it a got at the following numbers:
Overall, the Chase reconsideration line can help you get approved for cards that you were originally rejected for but you don’t always have to resort to calling.
It’s good to know about when you should call versus when you should just wait it out. You never know what Chase is going to do with your credit card application but it surely helps to know how to navigate through the post-application process.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Chase Luxury Hotel and Resort Collection Review (Benefits) [2021]
Many people aren’t able to hit the thresholds for earning elite status with hotel programs in order to receive special benefits like a free breakfast, upgrades, and late check-out. But luckily for these people there are some special programs for luxury properties that allow you to receive these elite-like perks!
One of these programs is the Chase Luxury Hotel and Resort Collection. In this article, I’ll tell you everything you need to know about the Luxury Hotel and Resort Collection, including how to access the program and all of the benefits. I’ll also compare it to a couple of the other popular programs out there that offer similar perks.
If you’re more of a visual learner check out the YouTube video at the bottom of the article!
What is the Luxury Hotel and Resort Collection?
The Luxury Hotel and Resort Collection (LHRC) is a program consisting of over 900 luxury properties around the world that offers you elite-like benefits, such as free breakfasts and upgrades.
Who gets access to the Luxury Hotel and Resort Collection?
Only certain Chase cards get access to the Luxury Hotel and Resort Collection. Chase doesn’t publish an official list of cards that are eligible but we know from prior attempts that the following cards have worked:
To see if your credit card is eligible you can search for hotels hereand attempt to navigate through the booking process. After you input your travel dates, you’ll be prompted to enter in the first six digits of your credit card.
Once you input those details, you’ll be able to see the availability and prices for the hotel if your card eligible.
If you don’t have access, you’ll get the following message:
Error: What you entered is not an eligible Chase card number. Please enter the first 6 digits of your eligible Chase card number.
Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!
What are the Luxury Hotel and Resort Collection benefits?
Daily breakfast for two
Complimentary Wifi
Room upgrade (based on availability)
Early check-in and late check-out (based on availability)
Special benefit at each property
Breakfast
You will be granted breakfast for two people. The quality of the breakfast will depend on the type of property that you are staying at but because these are higher end luxury properties you can generally expect breakfast to be very solid.
Some hotels will offer breakfast buffets while others may offer a continental breakfast. Also, you might find that some properties place limits on your breakfast credit.
For example, they might state that you have a maximum credit of $60 per day for two people per room, essentially offering you a $30 breakfast credit per person. They also might allow you to choose the restaurant within the hotel that you’d like to enjoy your breakfast at.
Also some properties, like those in Las Vegas, may give you a breakfast credit and allow you to use that breakfast credit throughout the day. If you’re also given a dining and beverage credit along with that, it can be a great way to cover a large chunk of dining costs during your stay.
Wi-Fi
Wi-Fi will be provided for free with the exception of DumaTau and Little Makalolo where Wi-Fi is not available.
Room upgrade
Typically, the room upgrades are going to be to the next best type of available room. A typical example would be an upgrade from a standard room to a room that has a better view or on a higher floor. Sometimes there may even be specific upgrades designated for this program.
Early check-in and late checkout
With this program you can get early check-in and late checkout, both of which can make your travel experience much more convenient.
However this is one of the big differences between the American Express Fine Hotels and Resorts program because that offers guaranteed late checkout.
Special benefit
The special benefit will vary depending on the property but you can expect things like the following: lunch or dinner for two, a spa treatment, golf green fee waivers, welcome gift, or airport transfers. The value of this perk is usually at $100 but sometimes lower at around $50.
However, sometimes the value can be much higher if you make a premium booking such as booking a suite.
For example, the Island Shangri-La, Hong Kong offers a complimentary round trip private transfer for Hong Kong International Airport or Kai Tak Cruise Terminal or $200 Food and Beverage credit per room, per stay for Suite bookings while normal booking just get a one-way transfer or a $100 credit.
So here’s a rundown of the “heavier” benefits.
Dining and spa credits
Airport transportations
Couple’s massage
Afternoon tea
Executive Lounge access
And then here are some of the “lighter” benefits, often offered in conjunction with the above.
Welcome chocolates
Daily Fruits and Newspapers
Chinese silk scarf
Bottle of wine
Complimentary canape service
Welcome Drink
Free breakfasts at luxury properties is usually a solid (and valuable) perk.
How does it work?
To receive the Guest Privileges, reservations must be made through an LHRC Travel Specialist or on LHRCollection.com. Simply go the LHRC wesbite, input your eligible credit card number, find the property and room, and then proceed through the checkout phase.
Note that you cannot use your Chase Ultimate Rewards to make these bookings.
Tip:Looking for the best hotel credit cards? Check out the full list here.
Are the rates cheaper?
Sometimes you can find the rates to be the same price as what is publicly available and other times the rates might be more expensive.
If the rates are more expensive then you need to factor in the savings that you’ll get out of the perks since those could easily outweigh the higher price you’re having to pay.
Also, keep in mind that the taxes are included with the LHRC prices and some other OTAs and websites out there may not include those taxes in their listed price.
Can you still earn elite credits and points?
One of the great things about these type of programs is that you can still earn your elite credits and elite points whenever you make a booking. So if you are chasing status then you won’t lose out on those precious stay credits when you book through this program.
Because you are not booking directly with the hotel there’s always the chance that your credits and points don’t show up so you might need to follow up with the hotel after your stay when booking with the LHRC.
You also should still be eligible to receive your own elite benefits. Those benefits should supplement the benefits that you will get from this program. In some cases, your perks might be stronger (e.g., lounge access) but in other cases you may have a bottom-tier or lower-tier status that doesn’t offer perks like breakfast.
I would always mention your elite status and given them your elite number at check-in just to make sure that you get those benefits since your elite status could get lost in the shuffle when making your booking.
Can you cancel or modify your booking?
Yes, but unless things change in the future, you’ll need to call in to do so.
What hotels can you find in LHRC?
Generally, you’re going to be able to find some of the top brands in this program at many locations. I’m not aware of a published directory of these properties so you’ll just need to search for your specific city/location and see which properties show up.
Here is a non-exhaustive list I found of properties in the following cities earlier this year:
The terms states that “Amenities may not be combined with other offers, including tour operator or wholesaler rates and package.”
I take this to mean that you can’t take advantage of things like special promotional rates but it would seem like you could still earn points for promotions like when Hilton offers promotional rates for stays. If you have any experience let me in the comments below!
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
How does this compare to Amex FHR?
LHRC is very similar to Amex FHR in many ways. The benefits like free breakfast, upgrades, wifi, and special amenity credits overlap but as pointed out the FHR program also offers guaranteed late check-out.
Exclusivity
The FHR program is only available to Platinum/Centurion cardmembers and those with the Amex Business Platinum. Meanwhile, the FHRC is available to a lot of different Chase cardholders.
Special offers
The biggest difference between these two programs is that the FHR offers special offers. These special offers can include things like $200 property credits or even the third night, fourth night, fifth night, or sixth night free. Capitalizing on those free nights, especially when the third night is free offers the potential for huge savings in the realm of several hundred dollars.
For that reason, the FHR program has the potential to be more lucrative. However, those free nights are only offered at select properties and perhaps even select rooms so it’s not like it’s a guaranteed savings at all resorts.
Price differences
I’ve found that the prices between these programs to be pretty similar but there is a big difference between how they are listed. FHR does not include the taxes whenever they show the list price but the LHRC does. So don’t get tricked into thinking FHR is cheaper.
Also, it appears that both programs do not report the resort fees so sometimes you have to attack on additional fees for your state. Resort fees should be visible on the hotel’s website like those that show up in Las Vegas.
5X
The Amex FHR program is now allowing Platinum cardholders to earn 5X with some of their stays as well which is very impressive. The terms and conditions for the LHRC don’t specify which type of payment you must use so it might be possible to switch your credit card at check-out in order to use a card that will earn you more points or to take advantage of special credits.
Inventory
Another difference I found is with inventory.
For example, when I searched for Hong Kong, a city full of top-tier luxury brands, I only found three properties with the LHRC.
Island Shangri-La, Hong Kong
Mandarin Oriental, Hong Kong
The Landmark Mandarin Oriental, Hong Kong
But when I searched with the Amex FHR I found nine properties.
Conrad Hong Kong
Four Seasons
Island Shangri-La
Mandarin Oriental
The Landmark Mandarin Oriental
The Langham
The Peninsula
The Ritz-Carlton
The Upper House
Interestingly, some of those hotels populated in the search field for the LHRC but when clicked on they brought up no results. So I’m not sure if those properties will be added or if it is just a quirk of the system. I also found more properties when I searched for the Maldives as well.
Ritz-Carlton, Hong Kong OZONE bar.
Visa Signature Luxury Hotel Collection?
So you might also be wondering about the Visa Signature Luxury Hotel Collection and how that stacks up.
The answer is that it is a step below both the FHR and LHRC.
Here are the benefits for the Visa Signature Luxury Hotel Collection:
Best available rate guarantee
Automatic room upgrade when available
Complementary in room Wi-Fi when available
Complementary breakfast for two
$25 food and beverage credit
VIP guest status
Late checkout upon request when available
As you can see, the food and beverage credit is usually at $25 which is significantly lower than the value offered by the special amenities that both the FHR and LHRC offer. In addition, late checkout is only available based on availability and there is no mention of early check-in.
That program does offer VIP guest status but a lot of times that just means something like a box of chocolates sent to your room so I’m not sure that I would place a ton of value on that perk.
The Visa Signature Luxury Hotel Collection is still a solid program if you do not have access to FHR and LHRC though so I wouldn’t completely dismiss it just because there are better options. You can read more about this program here.
YouTube Video
Final word
Overall, the Luxury Hotels and Resort Collection (LHRC) is a valuable program that adds value to the cards that allow access. If you’re unable to earn elite status with a program or even if you have elite status, you can take advantage of some valuable perks that can save you money on your stay.
I do think that I would take a look at the FHR program first due to the special offers and guaranteed late check-out but I certainly wouldn’t be opposed to booking through the LHRC.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Priority Pass Select membership can be one of the most valuable credit card perks available. With this membership, you’ll be able to access over 1,300 airport lounges all across the globe. But what exactly are the Priority Pass Select benefits and rules?
In this article, I’ll take an in-depth review of the Priority Pass Select program. I’ll discuss different ways to enroll in Priority Pass Select with different credit cards and go over things like the different guest policies and costs. I’ll also show you how to find Priority Pass lounge locations and what to expect when you visit them.
Priority Pass Select is a type of Priority Pass membership that is offered through various U.S. financial institutions and grants you access to over 1,300 Priority Pass airport lounges all over the globe.
Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!
Priority Pass membership cost
Priority Pass Select memberships are gained through credit cards so the cost for those memberships are essentially the annual fee paid for those cards.
But there are also different types of Priority Pass memberships that you can purchase without being a credit card holder. Those memberships are listed below.
Standard: $99 annual fee
Standard Plus: $299 annual fee
Prestige: $429 annual fee
Priority Pass Select memberships are very similar to these memberships that you can pay for. For example, some Priority Pass Select memberships will grant you unlimited access while others might limit your visits to only 10 per year.
But one major distinction between the two is that with Priority Pass Select you are often allowed to bring guests with you into the lounge free of charge. And if you exceed your guest limit, you can have guests enter with a reduced fee of around $27 per guest.
If you’re talking about a Priority Pass Select membership that offers unlimited lounge visits, you can quickly see how valuable the membership is. For example, the Prestige membership will cost you $429 per year, so you’re getting at least that much value.
But as noted the Prestige membership does not allow you to bring in guests for free. So if you regularly bring along a companion with you or a family, you’re potentially getting much more than $429 worth of value from your membership.
Priority Pass Select guest policy
Take a look at the cards below and you will notice that the guest policy for the cards differ. Most cards offer two complimentary guests while some other cards also allow for immediate family members to enter or even unlimited guests. As stated, if you exceed the guest policy, you can usually have guests enter with a reduced fee of around $27 per guest.
One thing to take into consideration is that the individual lounges can impose their own restrictions on guest policies. You usually won’t have a problem when bringing in one or two guests but if you’re trying to bring in more than that you could run into issues if the lounge is facing crowding.
How to get a Priority Pass Select membership
There are many different ways to get a Priority Pass membership. Below, I will discuss several of the different credit cards that you can choose from in order to get a membership. I will also highlight some of the key benefits of these cards so that you can have an idea of why these cards might be a good fit for you.
Amex Platinum Card
The American Express Platinum Card is the number one card for lounge access in my opinion. You’ll get Priority Pass membership for you and two other guests but you’ll also get Centurion Lounge access along with Delta Sky Club access, making this the most complete lounge package out there.
The Platinum Card is also a great card if you want elite status, as it offers Gold status with Hilton and Marriott. It’s also a very rewarding card with 5X on airfare and other benefits.
The annual fee for the Platinum Card is $695 but it is offset by the $200 annual Uber credit and the $200 annual airline credit. In addition, you’ll also get a $200 hotel credit, $300 Equinox credit, CLEAR credit, and $240 entertainment credit.
Chase Sapphire Reserve
The Chase Sapphire Reserve offers Priority Pass Select membership for you and two guests. It used to offer unlimited guests but that got a little too popular and Chase cut back the benefit to only allow for two guests.
Beyond Priority Pass, the Sapphire Reserve is a very strong contender of a credit card with its 3X on dining and travel, $300 travel credit, and ability to cash in your points through the Chase Travel Portal at a rate of 1.5 cents per point. It also comes with a host of worthwhile benefits.
The annual fee for the Chase Sapphire Reserve is $550 but with the easy to use $300 travel credit and $60 DoorDash credit, it’s very easy knock down the effective annual fee to $190.
US Bank Altitude Reserve
The US Bank Altitude Reserve Visa Infinite Card offers an interesting Priority Pass membership that gives you four complimentary entries each year and four individual accompanying guest visits as well. After the free visits have been used, the member’s card will be charged a lounge visit fee of $27 per person per visit for the member and each guest.
The Altitude Reserve also comes with a sign-up bonus of 50,000 points (worth $750 in travel) after spending $4,500 within the first 90 days. It also has one of the highest travel credits of $325 making it easy to offset the $400 annual fee.
This is a great card for those who utilize mobile wallets because it earns 3X on eligible mobile wallet purchases, which can be a significant advantage for some. The card also earns 3X on travel booked directly with airlines, hotels, taxis, trains, etc. (but no OTAs).
Amex Hilton Aspire
The Amex Hilton Aspire will grant you Priority Pass for you and two guests, just like the Platinum Card. The Aspire really shines in a few ways. First, it offers you Hilton Diamond status, which is the top-tier status offered by Hilton. That status can get you free breakfast, lounge access, and suite upgrades, among other benefits.
The Aspire also comes with a number of credits that help offset the $450 annual fee:
$250 airline incidental fee statement credit
$250 Hilton resort statement credit
$100 on property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package
You also get a free anniversary night which can be used at even the most expensive Hilton properties.
And finally you can earn a ton of Hilton points with this card as it comes with the following bonus categories:
14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants
3X Hilton Honors Bonus Points on other purchases
Amex Hilton Surpass
The Amex Hilton Surpass comes with 10 free Priority Pass lounge passes. You can use these for yourself and for guests if you’d like, so there’s a lot of flexibility with this card.
The Ascend is a much more basic card compared to the Aspire but it’s still a very good hotel credit card. You’ll get Hilton Honors Gold status and the ability to earn one free weekend night at a hotel or resort in the Hilton portfolio after spending $15,000 in purchases in a calendar year
You’ll also get some strong bonus earning potential by being able to earn:
12X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
6X Hilton Honors Bonus Points at U.S. supermarkets, U.S. restaurants, and U.S. gas stations
3X Hilton Honors Bonus Points on all other eligible purchases
For only a $95 annual fee, this card is a bargain for many people.
Marriott Bonvoy Brilliant American Express Card
The Marriott Bonvoy Brilliant American Express Card comes with the standard Priority Pass Select membership that allows access for you and two guests with unlimited visits. Overall, it’s a pretty strong hotel card and also offers a $300 credit towards Marriott that can even be used at room rates and an annual free night for properties that cost up to 50,000 Marriott points.
There’s also some decent bonus earning potential with the card as it earns:
6X on Marriott purchases
3X on US restaurants
3X on airlines booked directly with airlines
2X on other purchases
The card does come with Marriott Gold elite status but that elite status is less valuable than it was before.
The card earns a whopping 5X on dining and airfare and 3X on cruise lines and hotels, as well as 2X on entertainment. The $250 travel credit is now expanded so you’ll be able to offset the annual fee easier though the fee is increased to $495.
Luxury Card Black Card
Reportedly, the Luxury Card Black Card allows for unlimited guests with your Priority Pass membership. I haven’t been able to confirm that in the terms and conditions but if that’s the case, the Luxury Card offers the most generous type of Priority Pass membership.
Unfortunately, the Black Card is kind of a bust overall. It doesn’t offer a welcome bonus and while it earns 2% back when used for airfare and 1.5% back on all purchases, you can find no annual fee cards that earn that same rate so that’s not entirely impressive.
It does have a $100 airline credit that helps offset the $495 annual fee and some special VIP perks like 24/7 access to Luxury Card Concierge, Luxury Card Travel, and “Priceless” access. But beyond that, there’s not a whole to rave about with this card.
Luxury Card Gold Card
The Luxury Card Gold Card is very similar to the Black Card only it earns 2% back when used for airfare and 2% back on all purchases. Again, that’s not bad but considering there are no-annual fee cards which can earn you the same rates, that’s not that impressive.
Other card options
City National Bank Visa Infinite
Ritz-Carlton Rewards Card (no longer available for new applicants)
Authorized users
Many of these cards allow authorized users to get access to the Priority Pass lounges. Utilizing authorized users is a great way to get more guests into the lounge with you since each authorized user can bring in their own guests. So for example if you and a companion had a Platinum Card, then you each could bring in two guests for a total of four guests. Many times, the fees for adding authorized users are very reasonable so consider using this to your advantage.
How Priority Pass Select works
The way Priority Pass works is pretty simple.
Get approved for an eligible card
First, you need to get approved for a credit card that has Priority Pass Select.
Enroll/activate
You will typically need to enroll in Priority Pass after you are approved for a credit card, so don’t assume that you will be automatically enrolled. You can usually do this online when logging in to your account but you also might be able to do this by calling in.
Show your card
After you enroll into the program, you should receive your physical card in the mail within a couple of weeks. Make sure that you bring your physical card with you when you visit the lounges.
Many programs will allow you to link your Priority Pass card to the mobile app so you won’t always have to bring the physical card but some lounges have issues when trying to use your app. Thus, I always carry my physical card with me when traveling.
Cancelling
Something you need to know is that if you cancel your credit card you will lose out on the lounge membership immediately. If you somehow are given access to the lounge with your Priority Pass card, you will likely get billed for that visit on your credit card on a later date.
Renewing
Your Priority Pass Select membership should automatically renew if your card remains in good standing. However, it’s a good idea to monitor your card membership to make sure that the renewal process goes smoothly.
Priority Pass MCO Lounge.
Priority Pass Select app (digital card)
You can download the Priority Pass app from the App Store or Google Play.
This app is how you can access your digital card. Also, they are now starting to show indoor airport maps to help you better navigate the terminals and find your lounge. Other features include tracking your visit history and saving your “must visit” lounges to access them from the search screen.
The lounge experience can differ dramatically between Priority Pass lounges but here are some benefits you can expect to find at these lounges.
Wifi
Virtually every Priority Pass is going to offer complimentary wifi, at least for a while. Generally, the wifi speed is good enough to get things done but I’ve visited some lounges where the speed was severely lacking.
Food items
The type of food you’ll find in these lounges is going to vary. At the minimum, you’ll usually be able to find snacks and finger foods, such as pretzels, chips, and other light bites. But some lounges will provide you with a spread of hot items — sometimes these are actually pretty tasty items and other times they leave a bit to be desired.
Complimentary drinks
Most Priority Pass lounges that I’ve visited have offered a selection of complimentary alcohol. Beer and wine is common to find but some lounges will have a pretty solid line-up of spirits that you can take advantage of.
Comfy seating
Most lounges will have seating options that are superior to what’s offered in the terminals. Again, it all depends on the lounge.
Showers
Some Priority Pass lounges have showers though there are usually only a small number (or only one shower stall) available. If you want to shower at one of these lounges, your best bet would be to contact the front desk as soon as you arrive in order to secure a stall.
Some of the showers will provide you with amenities like soaps, shampoos, and conditioners, though it varies.
Nap rooms
Nap rooms are more rare to come across but I’ve seen some with some nice nap rooms (sometimes you have to reserve them).
Crowding
With so many credit cards offering Priority Pass now, crowding has definitely become an issue in some of these lounges. As a result, some lounges now limit access to Priority Pass members during busy hours. This is something that you always want to check on before heading out to your lounge.
How to find Priority Pass Select locations
It’s very easy to find Priority Pass lounges.
Simply visit their website and click on “Find a Lounge” at the top of the screen. You can then enter the city, airport name or code.
Once you are taken to the search results, simply click on the “Lounges” tab to see what lounges are available at the airport. You should then be able to select the lounges to find out all of the details for that lounge.
Opening Hours
Location
Conditions
Additional Information
You can also easily see the amenities offered like alcohol, showers, wifi, and things like whether Digital Cards are accepted.
It’s really important to make sure that you’ll be able to visit these lounges from the terminal that you’re flying out of. Many airports don’t allow you to connect between terminals after you go through security, so it’s not always practical to visit these lounges.
Sometimes you can exit the terminal and go through security twice to visit a lounge but some of these lounges might not be worth the effort. If you’re trying to figure out whether or not you can get between terminals, Flyertalk is a great place to research and ask questions.
Priority Pass restaurants
One of the cool new trends is that Priority Pass has added airport restaurants to its lounge network. For example, At SFO, you can visit the San Francisco Giants Clubhouse or Yankee Pier.
This is great if you can’t make it to a terminal with a lounge or if the lounges are full. And you can sometimes register multiple guests so you and a small party of three can enjoy a meal together.
These restaurants are constantly changing so you want to make sure that you’re checking the most up to to date information on them before you visit.
Which Priority Pass Select membership is right for you?
Airlines
Since Priority Pass offers you airport lounge access you will likely be seeking out benefits related to airlines. The Platinum Card is a great way to go to maximize your rewards with airlines because it offers 5X rewards on purchases made directly with airlines.
But note that if you want lounge access with specific airlines like United, American Airlines, Delta, etc., there are co-branded cards that you can get that will offer you lounge access for those specific airlines.
Hotels
If you are interested in hotel rewards then the Hilton Aspire Card might be on the top of your list. Personally, I would go with the Hilton Aspire Card because I like that it offers top tier diamond status and also offers such amazing credits. I would also give the American Express Platinum a really good look because it comes with Hilton Gold Status as well as Marriott Gold as well.
Spending
Now, more premium cards are offering bonus spending for various types of bonus categories like dining and travel. The Chase Sapphire Reserve is a great option for earning bonus points on travel purchases and it will also earn you three times the points on dining is well. The new Citi Prestige Card is a great option for maximizing earnings on dining with its new 5X rewards as well.
Limited visits
Some people might only visit airports a few times a year. For these people, they don’t really need an unlimited membership for airport lounges. Instead, they can be 100% satisfied with a card that only provides them with a handful of visits each year. These people might want to consider cards like the Hilton Ascend or Altitude Reserve.
Multiple cards with Priority Pass
A lot of people wonder if they should hold multiple cards that offer them a Priority Pass Select membership.
The answer to this question is very often: yes.
Now that so many valuable credit cards offer Priority Pass memberships, it is almost difficult to not have multiple memberships with Priority Pass. In fact, right now I could have a hand full of Priority Pass memberships if I chose to enroll each individual credit card.
But that is not because I am a Priority Pass fanatic. It is just because there are several cards out there that offer such great benefits that they are worth picking up individually.
For example, I hold the American Express Platinum Card, Chase Sapphire Reserve, American Express Hilton Aspire, and will soon be picking up the Citi Prestige. Each of those cards offer me unique benefits that I can take advantage of in different ways.
Chase Sapphire Reserve: 3X on dining and travel earning Ultimate Rewards, 1.5 cents per point through the Chase Travel Portal
Hilton Aspire: Hilton Diamond status, 14X on Hilton purchases
Citi Prestige: 4th night free, 5X on dining and airfare earning Citi ThankYou Points
If you do enroll in multiple Priority Pass programs then I suggest that you mark your Priority Pass cards so that you do not get your memberships mixed up. This is especially important if the guest policy is different for your different cards.
Baltimore/Washington International Thurgood Marshall Airport (BWI)
Minute Suites
Terminal
Concourse C
Location
Airside- after security, Minute Suites is located between Gate C3 and C5 right next to Urban Bar-B-Que
Hours
Daily: 5:00am to 9:00pm
The Club BWI
Terminal
Concourse D
Location
Airside – Upper Level. After Security Checks, proceed to Gate D10 and the lounge is located next to ‘Dunkin Donuts’. The lounge is also accessible to passengers traveling from Concourse E. Please allow sufficient time to return back to the departure gate
Hours
Daily: 4:30am to 7:00pm
Logan International (BOS)
Stephanies
Terminal
Terminal B
Location
Airside – after Security, Departures Level, opposite Gate B24. Domestic flights only
Hours
Daily: 4:30am and closes 30 minutes prior to last scheduled flight departure (Temporarily Closed)
Jerry Remy’s Sports Bar and Grill
Terminal
Terminal C
Location
Landside – before Security, Departures Level opposite the ‘Alaska Airlines’ check-in counter
Hours
Daily: 2:00pm to 8:00pm
The Lounge
Terminal
Terminal C
Location
Airside – 1st Floor, Concourse Level across from Gate C19. The lounge is not accessible from Gates 40 – 42
Hours
Daily: 6:00am to 8:00pm
Air France Lounge
Terminal
Terminal E
Location
Airside – after Security, turn right towards Gate 4. Take the dedicated lounge elevator or stairs to where the lounge is located
Hours
Mon, Thu, Sat: 10:30am to 10:30pm
Tue: 1:00pm to 10:30pm
Wed, Fri, Sun: 9:30am to 10:30pm
The Club
Terminal
Terminal E
Location
Airside – after Security, turn left and take the elevator down one level
Hours
Daily: 5:30am to 1:00am (Temporarily Closed)
Buffalo Niagara Intl (BUF)
The Club
Terminal
N/A
Location
Airside – after Security Checks, between Gates 6 and 7
Hours
Daily: 4:00am to 5:00pm
Charleston SC International (CHS)
The Club CHS
Terminal
N/A
Location
Airside – after Security walk straight ahead towards Concourse B. Take the elevator on the left hand side for entrance to the lounge which is located over the AME Memorial and the Eddie Bauer store
Hours
Daily: 5:00am to 7:30pm
Charlotte Douglas Intl (CLT)
Minute Suites
Terminal
N/A
Location
Airside – D/E Connector near the Food Court
Hours
Daily: 24 hours
Minute Suites
Terminal
Atrium
Location
Airside – the lounge is located in the main atrium, next to the Food Court Area
Hours
Daily: 24 hours
Chicago Ohare Intl (ORD)
Swissport Lounge
Terminal
International Terminal 5
Location
Airside – after Security turn right and the lounge is located between Gates M8 and M7 on the right
Hours
Daily: 1:00pm to 9:00pm
Closed: Dec. 25 & Jan 1
Cleveland Hopkins Intl (CLE)
The Club CLE
Terminal
Concourse B
Location
Airside – after Security Checks, head straight to Concourse B, turn right into the hall after ‘Ohio Gameday Sports’
Hours
Daily: 5:00am to 8:00pm
Bar Symon
Terminal
Concourse C
Location
Airside – after Security, go to Concourse C and Bar Symon is located between Gates C4 and C6
Hours
Daily: 5:30am to 5:30pm
Colorado Springs (COS)
Colorado Springs Premier Lounge
Terminal
N/A
Location
Airside – after Security Checks, adjacent to Gate 6
Hours
Daily: 4:00am to last scheduled flight departure
Dallas/Fort Worth Intl (DFW)
Minute Suites
Terminal
Terminal A
Location
Airside – located near Gate A38
Hours
Daily: 24 hours
Gameway
Terminal
Terminal B
Location
Airside – near the Skylink and Gate 42
Hours
Daily: 8:00am to 8:00pm
Minute Suites
Terminal
Terminal D
Location
Airside – located near Gate D23
Hours
Daily: 24 hours
The Club DFW
Terminal
Terminal D
Location
Airside – located on the Mezzanine Floor near Gate 27. Passengers departing from other terminals will need to access the lounge via Skylink to avoid passing through security twice. Please allow sufficient time to reach the departure gate
Hours
Daily: 5:30am to 9:00pm
Gameway
Terminal
Terminal E
Location
Airside – near Gate 16
Hours
Daily: 5:00am to 7:00pm
Detroit Metropolitan Wayne County Airport (DTW)
Be Relax Spa
Terminal
McNamara Terminal
Location
Airside – located near the middle of the water fall between Johnston & Murphy & Vino Volo, near to Gate A46
Hours
Daily: 7:00am to 9:00pm
Hours may vary according to flight schedules
Minute Suites
Terminal
McNamara Terminal
Location
Airside – near Gate A66
Hours
Daily: 24 hours
Lufthansa Business Lounge
Terminal
North Terminal
Location
Airside – after Security Checks turn left, the lounge is located next to Gate D8
Hours
Mon, Wed, Thu, Fri: 6:00am to 5:30pm
Tue: 9:00am to 5:30pm
Sat & Sun: Closed
Fort Lauderdale Hollywood Intl (FLL)
Kafe Kalik
Terminal
Terminal 4
Location
Airside – after Security proceed towards Concourse G and Kafe Kalik is located near Gate G6
Hours
Daily: 10:00am to 8:00pm
Hebron Northern Kentucky Intl (CVG)
The Club CVG
Terminal
Concourse A
Location
Airside, the lounge is located between Gates A8 and A10. The lounge is also accessible to passengers traveling through Concourse B or C but will need to allow sufficient time to reach the departure gate
Hours
Mon, Thu, Fri, Sun: 6:00am to 8:00pm
Tue, Wed, Sat: 6:00am to 6:00pm
Honolulu Intl (HNL)
The Plumeria Lounge
Terminal
Inter-Island Terminal
Location
Airside – 3rd Floor, the lounge is located near the Wiki Wiki shuttle pick up area. The lounge is not accessible for Arrivals
Hours
Daily: 8:00am to 6:00pm
IASS Hawaii Lounge
Terminal
Overseas Terminal
Location
Airside – after Security Checks, proceed to Garden Court (Airline Lounge Area) towards Gates 14-23 of the Central Concourse. Take the elevator or stairs to Ground Level and follow the signs to the lounge
Hours
Daily: 7:30am to 1:30pm & 2:00pm to 6:00pm (Temporarily Closed)
George Bush Intercontinental (IAH)
Cadillac Mexican Kitchen & Tequila Bar
Terminal
Terminal A
Location
Airside – proceed to Security Checkpoint for Gates A17-A30 and Cadillac is located near Gate A17
Hours
Mon, Tue, Wed, Sat: 10:00am to 9:00pm
Thu, Fri, Sun: 7:00am to 9:00pm
Landry’s Seafood
Terminal
Terminal C
Location
Airside – after Security Checkpoint, turn left and Landry’s is located near Gate C42
Hours
Daily: 11:00am to 6:00pm
Air France Lounge
Terminal
Terminal D
Location
Airside – after Security, opposite Gate D12
Hours
Mon, Wed: 3:00pm to 7:00pm
Tue, Thu, Fri, Sat, Sun: 1:00pm to 7:00pm
KLM Crown Lounge
Terminal
Terminal D
Location
Airside – the lounge is located near Gate D8
Hours
Daily: 8:00am to 9:00pm
Indianapolis Intl (IND)
The Fan Zone
Terminal
Concourse B
Location
Airside – after Security, turn left and The Fan Zone is located at the end of Concourse B, near Gate B17
Hours
Daily: 8:00am to last scheduled flight departure
Jacksonville Intl (JAX)
The Club JAX
Terminal
Concourse A
Location
Airside – once you pass through Security walk directly ahead past the Food Court and the lounge is located slightly to the right
Hours
Daily: 5:00am to 6:00pm
Kahului Airport (OGG)
Premier Lounge
Terminal
N/A
Location
Airside – 2nd Floor, opposite Gate 17
Hours
Daily: 5:30am to 8:30pm
McCarran Intl (LAS)
The Club LAS
Terminal
Terminal 1
Location
Airside – Level 2. After passing through Security Checkpoint D, take the Blue Line train to D Gates – Level 0. Take the escalator and head West or right towards Gate D33. The lounge is located between Brooks Brothers & Tumi. It takes approximately 15 minutes. Access from Terminal 3 – Level 0. After passing through Security Checkpoint D and E, take the Red Line train to the D Gates-Level 0 and follow the same directions as above. It takes approximately 18 minutes
Hours
Daily: 5:00am to 8:00pm
The Club LAS
Terminal
Terminal 3
Location
Airside – the lounge is located across from Gate E2
Hours
Daily: 11:00am to 10:00pm (Temporarily Closed)
Blue Grass Airport (LEX)
Kentucky Ale Taproom
Terminal
N/A
Location
Airside – after Security, the Kentucky Ale Taproom is located on the right, next to Concourse B entrance. Domestic flights only
Hours
Daily: 5:00am to last scheduled flight departure
Los Angeles Intl (LAX)
Be Relax Spa
Terminal
Terminal 1
Location
Airside – after Security Checks, turn right and Be Relax is located next door to Rock n Brew Restaurant
Hours
Daily: 6:00am to 11:00pm
Hours may vary according to flight schedules
Miami Intl (MIA)
Turkish Airlines Lounge
Terminal
Central Terminal Concourse E
Location
Airside – after TSA Check Point in Concourse E. The lounge is located on Level 2, past the escalator on the left hand side. Access from Terminal D – pass through the connector to the Central Terminal (E Gates Concourse) and the lounge is located directly ahead
Hours
Daily: 5:00am to 10:00pm
Club America F
Terminal
Central Terminal Concourse F
Location
Airside – after Security Checkpoint, follow signs to the lounge which is located on the 3rd Floor. International flights only
Hours
Daily: 7:00am to 9:00pm
Hours may vary according to flight schedules
Corona Beach House
Terminal
North Terminal Concourse D
Location
Airside – between Gates D23 and D24
Hours
Daily: 6:30am to 9:00pm
Turkish Airlines Lounge
Terminal
South Terminal Concourse H
Location
Airside – the lounge lift lobby is located midway between Concourses H and J. Take the lift to the 3rd Floor, keep to the left until you reach the lounge entrance
Hours
Daily: Hours may vary according to flight schedules
Minneapolis St Paul Intl (MSP)
PGA MSP Lounge
Terminal
Terminal 1
Location
Airside – proceed to the north end of the Airport Mall (towards Concourses D/E). Take the lift or stairs located between Concourses D and E (corner) up to the Upper Level. Check-in at the Golf Shop Counter
Hours
Daily: 11:00am to 8:00pm
Nashville International Airport (BNA)
Minute Suites Nashville
Terminal
Concourse D
Location
Airside – near Gate D3
Hours
Daily: 4:00am to 10:00pm
Louis Armstrong New Orleans Intl (MSY)
The Club MSY
Terminal
Concourse A
Location
Airside – after Security Checks, follow the signs for Concourse A and pass Cafe Du Mondé. Take the elevator located on the right hand side to the 3rd Floor
Hours
Daily: 10:00am to 6:00pm
Newark Liberty Intl (EWR)
Lufthansa Business Lounge
Terminal
Terminal B
Location
Airside – the lounge is located before Gates 60 – 68
Hours
Mon, Wed: 2:30pm to 5:30pm
Tue, Thu, Fri, Sat, Sun: 2:30pm to 9:00pm
Hours may vary according to flight schedules
Closed: Dec 24, 25 & 31
John F Kennedy Intl (JFK)
Air France Lounge
Terminal
Terminal 1
Location
Airside – near the Air France Boarding Area by Gate 1
Hours
Daily: 2:00pm to 7:30pm
KAL Business Class Lounge
Terminal
Terminal 1
Location
Airside – after Security Checkpoint, the lounge is located on the right hand side, across Gate 3. All passengers must hold a boarding pass departing from Terminal 1
Hours
Daily: 8:30am to 12:00pm
Lufthansa Business Lounge
Terminal
Terminal 1
Location
Airside – after Security Checkpoint on the left hand side. International and in-transit flights only
Hours
Mon, Wed, Fri, Sun: 12:30pm to 6:00pm
Tue, Thu, Sat: 12:30pm to 5:30pm
Primeclass Lounge
Terminal
Terminal 1
Location
Airside – after Security, next to Gates 8 and 9. International flights only
Hours
Mon, Tue, Thu, Sat: 12:00pm to 6:30pm
Wed, Fri, Sun: 9:30am to 6:30pm
Air India Maharaja Lounge
Terminal
Terminal 4
Location
Airside – after Security, next to Gate 5
Hours
Daily: 9:30am to 6:30pm
Wingtips Lounge
Terminal
Terminal 4
Location
Airside – after proceeding through TSA/Security Checkpoint, turn right and proceed approximately 100 meters where the lounge is located on the left
Hours
Mon, Tue, Wed, Sat: 8:00am to 8:00pm
Thu, Fri, Sun: 8:00am to 9:00pm
Alaska Lounge
Terminal
Terminal 7
Location
Airside – after Security Checks, proceed to the Mezzanine Level above Security
Hours
Daily: 5:00am to 9:00am & 2:30pm to 9:00pm
Closed: Dec 25
Bobby Van’s Steakhouse
Terminal
Terminal 8
Location
Airside – after Security, turn right and Bobby Van’s Steakhouse is located opposite Gate 14
Hours
Daily: 5:00am to 8:00pm
LaGuardia Airport (LGA)
Minute Suites Express
Terminal
Terminal B
Location
Airside – after Security, take the escalator up one level and the Minute Suites Express is located on the right hand side of the Bowery Bay Shops
Hours
Daily: 7:00am to 8:00pm
Orlando Intl (MCO)
The Club MCO (Gates 1-29)
Terminal
Terminal A Concourse 1
Location
Airside – Gates 1-29, adjacent to XpresSpa. All passengers with a Boarding Pass can gain access to the lounge but passengers not departing from Gates 1-29 will be required to pass through Security. Please allow sufficient time to reach the departure gates
Hours
Daily: 5:00am to 9:00pm
The Club MCO (Gates 70-99)
Terminal
Terminal B Concourse 4
Location
Airside – accessible from Gates 70-99, next to the ‘InMotion’ Store, near Gate 91. All passengers with a Boarding Pass can gain access to the lounge but passengers not departing from Gates 70-99 will be required to pass through Security. Please allow sufficient time to reach the departure gates
Hours
Daily: 5:00am to 9:00pm
Orlando Sanford Intl (SFB)
The Royal Palm Lounge
Terminal
Terminal A
Location
Airside – the lounge is located in the international departure lounge, adjacent to Budweiser Tap Room
Hours
Lounge opens 3 hours prior to the first international scheduled flight departure and closes after last scheduled international departure or 23:00, whichever comes first. (Temporarily Closed)
Philadelphia Intl (PHL)
Minute Suites
Terminal
Terminal B
Location
Airside – located between Concourses A and B in the AB Connector
Hours
Daily: 24 hours
Pittsburgh Intl (PIT)
The Club
Terminal
Concourse C
Location
Airside – take the tram from landside to airside, go up the two sets of escalators and turn right towards Concourse C. The lounge is located 50 yards away on the left between Bar Symon and Gate C51
Hours
Sun, Mon, Tue, Wed, Thu, Fri: 4:30am to 8:00pm
Sat: 4:30am to 7:30pm
Portland Intl (PDX)
Capers Cafe Le Bar
Terminal
Concourse C
Location
Airside – immediately after Security on the left hand side
Hours
Daily: 4:00am to 2:00pm
Westward Whiskey
Terminal
Concourse C
Location
Airside – near Gate C6
Hours
Daily: 9:00am to 5:00pm
Capers Market
Terminal
Concourse D
Location
Airside – immediately after Security
Hours
Daily: 4:00am to 10:30pm
T. F. Green Airport (PVD)
Providence Provisions Kitchen & Bar
Terminal
N/A
Location
Airside – through Security Checkpoint, turn left into the North Concourse and Providence Provisions Kitchen & Bar is located on the left hand side
Hours
Daily: 11:30am to last scheduled flight departure
San Diego International Airport (SAN)
Airspace Lounge
Terminal
Terminal 2
Location
Airside – after East Security Checkpoint, take an immediate left and proceed towards Gate 33. The lounge is located between Gates 33 and 23
Hours
Daily: 6:00am to 1:30pm
Be Relax Spa
Terminal
Terminal 2
Location
Airside – after Security Checks on the right hand side, near Gate 27
Hours
Sun, Mon, Wed, Thu, Fri: 6:00am to 9:00pm
Tue, Sat: 6:00am to 8:00pm
Hours may vary according to flight schedules
Be Relax Spa
Terminal
Terminal 2
Location
Airside – after Security Checks, next to Stone Brewery, near Gate 36
Hours
Sun, Mon, Wed, Thu, Fri: 7:00am to 9:00pm
Tue, Sat: 7:00am to 8:00pm
Hours may vary according to flight schedules
San Francisco Intl (SFO)
Air France – KLM Lounge
Terminal
International Terminal
Location
Airside – Concourse A, Level 3. Take the first left after the TSA Checkpoint and the lounge is located straight ahead
Hours
Mon, Tue, Sat: 7:30am to 4:30pm
Wed, Thu, Fri, Sun: 7:30am to 4:30pm & 6:45pm to 12:00am
Hours may vary according to flight schedules
Lark Creek Grill
Terminal
Terminal 2
Location
Airside – after Security, proceed straight ahead and the restaurant is located on the right hand side. Domestic flights only
Hours
Daily: 5:00am to 10:00pm
San Francisco Giants Clubhouse
Terminal
Terminal 3
Location
Airside – after Security, Concourse F, near Gate F13
Hours
Daily: 5:30am to 11:00pm
Yankee Pier
Terminal
Terminal 3
Location
Airside – Concourse F, near Gate F4
Hours
Daily: 5:30am to 10:00pm
Norman Y. Mineta San Jose International Airport (SJC)
The Club SJC A15
Terminal
Terminal A
Location
Airside – the lounge is located on the 3rd Level, across from Gate 15
Hours
Daily: 5:00am to 6:00pm
The Club SJC A8
Terminal
Terminal A
Location
Airside – the lounge is located on the Main Level Concourse, across from Gate 8
Hours
Daily: 5:00am to 6:00pm (Temporarily Closed)
Seattle Tacoma Intl (SEA)
Trail Head BBQ Bar
Terminal
Central Terminal
Location
Airside – Trail Head BBQ Bar is located on the right hand side after you exit TSA, near Gate C1
Hours
Daily: 5:00am to 10:30pm
The Club SEA
Terminal
Concourse A
Location
Airside – across from Gate A11. Access is available to all Concourses by train which runs every few minutes. Please allow sufficient time to reach the Departure Gate when accessing the lounge from other Concourses
Hours
Daily: 5:00am to 9:00pm
Bambuza
Terminal
North Satellite
Location
Airside – once you disembark the train, take the escalator to Concourse Level and turn left. Bambuza is located on the left hand side
Hours
Daily: 5:00am to 10:30pm
The Club SEA
Terminal
South Satellite
Location
Airside – next to Gate S9. Access is available to all Concourses by train which runs every few minutes. Please allow sufficient time to reach the Departure Gate when accessing the lounge from other Concourses
Hours
Daily: 6:00am to 6:00pm
Lambert St Louis Intl (STL)
The Pasta House
Terminal
Terminal 1
Location
Landside – located on the lower level Pre Security close to Baggage Claim
Hours
Sun, Mon, Tue, Wed, Thu, Fri: 10:00am to 8:00pm
Sat: 10:00am to 6:00pm
(Temporarily Closed)
The Pasta House & Schlafly Beer
Terminal
Terminal 2
Location
Airside – located on the Upper level, through Security on the right, opposite Gate E6
Hours
Sun, Mon, Tue, Wed, Thu, Fri: 6:00am to 10:00pm
Sat: 6:00am to 6:00pm
Wingtips Lounge St. Louis
Terminal
Terminal 2
Location
Airside – after TSA Security, turn left. At the end of the terminal hallway (near Gate E22), turn left. The lounge is located opposite Gate E29. Domestic flights only
Hours
Sun, Mon, Tue, Wed, Thu, Fri: 7:00am to 8:00pm
Sat: Closed
Syracuse Hancock Intl (SYR)
Johnny Rockets
Terminal
N Concourse B
Location
Airside Connector – after Security Checkpoint, turn left and head towards North Concourse B. The restaurant is located on the left hand side
Hours
Mon, Tue, Wed, Thu, Fri: 11:00am to 6:00pm
Sat, Sun: Closed
Closed Thanksgiving
Tampa Intl (TPA)
The Café by Mise en Place
Terminal
Airside F
Location
Airside – after Security, the restaurant is located directly in front of the Security Checkpoint by Gate F85. Access is available to any Airside with a valid Boarding Pass, by train which runs every few minutes. Please allow sufficient time to reach the Departure Gate when accessing the restaurant from other Airsides
Hours
Daily: 5:30am to 2:00pm
Tucson Intl (TUS)
Barrio Brewery Co.
Location
Landside – 2nd Floor, opposite the ‘Arroyo Trading Post’. Domestic flights only
Hours
Mon, Tue, Wed, Thu, Fri: 10:00am to 3:00pm
Sat, Sun: Closed
Washington Dulles Intl (IAD)
Air France – KLM Lounge
Terminal
Concourse A
Location
Airside – opposite Gate A22. Passengers departing from other Concourses can access the lounge by train. Please allow sufficient time to reach the departure gate
Hours
Tue, Thu, Fri, Sat, Sun: 7:30am to 8:00pm
Mon: 2:00pm to 8:00pm
Wed: 10:00am to 8:00pm
Closed: Dec 25
British Airways Galleries Lounge
Terminal
Concourse B
Location
Airside – after Security Screening take the train to Concourse B and go up to the Concourse Level where the lounge is located straight ahead
Hours
Daily: 7:00am to 2:00pm (Temporarily Closed)
Lufthansa Business Lounge
Terminal
Concourse B
Location
Airside – the lounge is located near Gate B50
Hours
Mon, Wed, Sat: 2:00pm to 10:00pm
Tue, Thu, Fri, Sun: 2:00pm to 6:00pm
Turkish Airlines Lounge Washington
Terminal
Concourse B
Location
Airside – near Gate B43. After Security, take the stairs to the next level and turn right. Passengers departing from other Concourses can access the lounge by train or walk way to Concourse B. Please allow sufficient time to reach the departure gate
Hours
Daily: 8:00am to 11:00pm
Chef Geoff’s
Terminal
Concourse C
Location
Airside – after Security, take the shuttle bus or train to Concourse C and proceed to Gate C14
Hours
Daily: 11:00am to 10:00pm
Ronald Reagan Washington Natl (DCA)
Bracket Room
Terminal
Terminal B
Location
Airside – after Security Control, turn right. The Bracket Room is located opposite Gate 12
Hours
Daily: 10:00am to 6:00pm
American Tap Room
Terminal
Terminal C
Location
Airside – after Security Control, near Gates 35-45
Hours
Mon, Tue, Wed, Thu, Fri, Sat: 6:00am to 10:00pm
Sun: 6:00am to 8:00pm
Final word
Priority Pass Select can be a valuable credit card perk. But it’s often a secondary perk for a lot of these credit cards that offer strong perks like elite status and great bonus earning potential. Because so many cards offer Priority Pass membership, it isn’t difficult to prioritize these other benefits and go with the card that offers you the best perks beyond Priority Pass.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Chase Sapphire Reserve Car Rental Benefits & Discounts [2021]
The Chase Sapphire Reserve is known for offering some of the best benefits out of any travel rewards credit card. Some of these perks relate to rental cars and can save you some serious cash. Here’s a look at all of the Chase Sapphire Reserve rental car benefits and discounts and how you can utilize them to save you some money on your travels.
What are the Chase Sapphire Reserve car rental Benefits?
The Chase Sapphire Reserve comes with two key car rental benefits: primary rental car insurance and special perks with partners Silvercar, Avis, and National Car Rental.
Primary rental car coverage is great because it can prevent you from having to file a claim with your insurance company and save you money on your monthly premium. And the perks for the rental car partners can provide you with special deals, discounts, and even upgrades.
I’ll discuss both of these in detail.
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
Primary rental car insurance
The Chase Sapphire Reserve comes with rental car insurance which is also referred to as “Auto Rental Collision Damage Waiver.” For the Chase Sapphire Reserve (and Preferred), this coverage is primary.
This means you do not have to file a claim with any other source of insurance before you can receive coverage under this benefit, which also means you’ll likely be able to avoid fees and a potential spike in your monthly premium.
The insurance will cover claims that do not exceed the following limits:
Claims up to $75,000
Vehicle rental periods that do not exceed nor intend to exceed 31 consecutive days
This is one of the most comprehensive rental car coverage policies offered by any credit card out there. The one key thing to remember is that the card does not offer protection for liability coverage (so someone could still sue you if you ran into them). You can inquire with your insurance company or rental car company about liability coverage to make sure you’re covered for that.
The Sapphire Reserve offers rental car perks with three different rental car partners
Silvercar
Avis
National Car Rental
Silvercar
Silvercar is an Audi-owned car rental service that’s really taken off over the past few years. It’s an app-enabled program that allows you to efficiently rent and pick up your vehicles. The only drawback is that it’s only available in limited cities, though most big cities offer the service.
With the Chase Sapphire Reserve, you can get 30% off Silvercar rentals of at least two days when entering promo code VINFINITE at the time of booking.
This is a benefit offered to other Visa Infinite cards as well. So for example if you have the Ritz-Carlton Rewards Credit Card you can also get this 30% discount.
Avis
Once you get your Sapphire Reserve enroll in Avis Preferred you’ll be able to save up to 30% on qualifying rentals. This is also a Visa Infinite cardholder benefit that will allow you to save up to 30% off Avis base rates when making a reservation with Avis Worldwide Discount (AWD) number S107100.
National Car Rental
The Sapphire Reserve will get you a 25% discount and you’ll also be able to receive Emerald Club Executive with contract ID 5030849.
Emerald Club Executive benefits include:
Priority Service
Get expedited services when renting in Europe and Latin America and the Caribbean.
Guaranteed Upgrades
You’re always guaranteed a free upgrade when you reserve using the Midsize rate (in US and Canada).
Drop & Go
With convenient email receipts, just drop off your car and go (if your car has not been damaged during the rental).
Executive Area Access
Choose any car (full size and above) in the Executive Area and only pay the mid size rate (in US and Canada).
Faster Free Rental Days
Earn 1 rental credit for every qualified car rental. Free Rental Day = 6 credits.
No Second Driver Fees (excluding rentals in Europe)
Never pay extra when family members and business associates do the driving.
3X on travel
The Chase Sapphire Reserve also earns 3X on all travel purchases, which includes rental car purchases.
Rental car purchases are only one type of travel purchase that qualifies, though.
Chase states that the following purchases are eligible to be considered travel:
Merchants in the travel category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.
$300 travel credit
Just like the bonus category on travel, the annual $300 travel credit can be used on a lot of purchases including rental cars, so this is a great way to cover your rental car travel expenses.
Compared to the Platinum
The first big difference with the Amex Platinum Card is that it only offers secondary rental car coverage. You actually have to pay extra for primary rental car coverage if you hold an Amex card.
The Platinum Card also offers different perks for different rental car brands:
Avis Preferred status
Hertz Gold Plus Rewards
National Emerald Club Executive status
Since the Avis Preferred and Hertz Gold are available to everyone and National Emerald Club Executive status is available with the Sapphire Reserve, there’s not a significant difference between the rental car perks offered by these cards. There may be some special discounts just for Platinum cardmembers so those are usually on par with the discounts you get as a Visa Infinite cardmember.
Overall, with the 25% and 30% discounts along with the Silvercar perks and primary rental car insurance, I think that the Reserve’s rental car perks are superior to the Platinum Card.
Don’t forget that these rental car perks are only some of the perks offered by the Sapphire Reserve. You can read more about other perks like the Priority Pass airport lounge access, Chase Travel Portal, Chase Shopping Portal, and other benefits here.
Final word
The Sapphire Reserve offers great rental car benefits. With primary rental car coverage, you can save money and sleep easier knowing that you’ve got primary coverage in the event of an accident. You can also get great 25% and 30% discounts when booking, so these are perks that you definitely want to take advantage of.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Chase Sapphire Reserve Credit Score: What Are My Approval Odds? [2021]
The Chase Sapphire Reserve is one of the hottest credit cards on the market with some of the top benefits so naturally people are curious about what credit score is needed to get approved for the Sapphire Reserve.
It’s great that more consumers are doing their research before applying for credit cards these days but there’s a lot more that goes into a credit card approval decision than just a credit score.
Here are a few things you can look at to get a good sense of your Chase Sapphire Reserve approval odds.
Unfortunately, credit scores can sometimes be very deceptive.
That’s because someone with practically no credit history can still have a score in the 700s, which is considered a “great” score. In reality, a 700+ credit score with no credit history won’t do you much good when applying for the Sapphire Reserve.
So before we get into the ideal Chase Sapphire Reserve credit score, let’s go over some of the most important factors on your credit report and how those will be considered for your approval decision.
If you need a quick refresher on how credit scores are determined, click here.
Three very important Chase Sapphire Reserve approval criteria are:
If you have virtually no credit history, you probably don’t want to apply for the Sapphire Reserve. For example, if your oldest account is 3 months old, you’ll likely struggle to get approved.
If that’s the case, I highly recommend going for a card like the Chase Freedom. The Freedom comes with no annual fee, some great bonus earning potential, but most of all, it’s one of the easier Chase cards to get approved for.
You don’t have to go with the Freedom, there are plenty of other credit cards designed for people with “fair” credit that you can consider. The benefit to going with the Freedom though is that you’re able to establish your relationship with Chase which will help you get approved for a Sapphire card later on.
Utilization can be important, too. You should strive to keep your overall utilization below 30% but that’s not to say you won’t get approved with higher utilization.
You need to also pay attention to the utilization on your specific credit cards. For example, if you already have another Chase issued credit card and it’s maxed out, Chase is not going to like the way that looks. If that’s the case, then you want to try to pay that off or down as soon as you can.
Late payments
If you have recent late payments (late payments within the past year or two), you might get some push back because of those. (This is especially true if your late payments were with Chase.)
But just because you have negative marks on your credit report doesn’t mean you can’t get approved — there are plenty of data points out there of people getting approved for the Reserve even with blemishes on their credit report.
If you have really fresh late payments that just hit in the past few months, I would probably wait several months before I tried applying. Assuming you don’t mess up again, just waiting 6 months after a late payment can sometimes improve your score a decent amount.
Credit score needed for the Sapphire Reserve
Assuming you have at least a couple of years of account history (with any bank), I’d recommend waiting until your credit score is close to 720 to apply for the Sapphire Reserve.
But this is not a strict cut-off requirement whatsoever.
I’ve known people personally who have been approved for the Reserve with credit scores in the high 600s. So if you have a credit score of 690, for example, it’s still possible to get approved for the Reserve.
The thing to note in this situation is that typically you’ll need to have a more established credit profile if your score is below 700. So if you have a 690 credit score but 7+ years of solid credit history and no blemishes on your record, it might be worth giving it a shot to apply. If you have had another card issued by Chase for several years, that’s another major factor to be considered.
At the same time, don’t get too cocky if you have a score above 720. If your credit profile is still very thin, you might need to build it up more before applying.
One of the most important Chase Sapphire Reserve requirements for approval is the income requirement.
The Reserve is a premium credit card and these usually require you to have a higher income.
This is especially true since the minimum credit line for the Reserve seems to be $10,000. If you have a lower income, Chase might not feel good about granting you that credit line.
Typically, I’d recommend that you have an income at least $40,000 range. If you do enough research, you’ll see some data points of approvals with income in the $30,000 and even $20,000 range, but I would not like my odds with those figures.
If it were me, I’d only feel comfortable applying for the Sapphire Reserve with an income of $45,000+.
Other income related factors come into play such as your monthly rent or mortgage. If you’re cutting things close with your monthly rent payments and your income is borderline, expect a tougher time getting approved for the Sapphire Reserve. You can read more data points on income needed for Chase credit cards here.
Consider going for the Chase Freedom if you have a lower income.
Open up a Chase bank account
If you think you’re a borderline candidate for getting approved, one thing you can do is open up a Chase bank account.
If you maintain that bank account for a few months, it might help push the needle toward the direction of getting approved. Do your best to keep the account in good shape. Avoid getting hit with overdraft fees or anything that could potentially make you look less financially responsible.
Before you apply
Once you’re ready to apply for the Sapphire Reserve, then do yourself a favor and read about the Chase application rules first. The Chase Sapphire Reserve is subject to the Chase 5/24 Rule (along with other restrictions) and this article will explain everything you need to know about those rules and restrictions.
Also, if you’re a borderline applicant, your Sapphire Reserve application might end up in a Chase reconsideration phone call. For that reason, make sure you read up on my tips for the Chase reconsideration line.
If you pay close attention to the above articles, you’ll be well equipped to move forward with your Reserve application.
Chase Sapphire Reserve qualifications
So in summary, you want to consider the following qualifications:
Credit account history
Utilization
Payment history
Credit score
Income
Relationship with Chase
Chase application rules
Chase reconsideration protocol
Having an understanding of all of these will give your great insight into your Chase Sapphire Reserve approval odds.
Final word
The Chase Sapphire Reserve is definitely one of the top credit cards available.
So understandably, Chase doesn’t want to give it out to everyone. But if you follow the advice in this article and do what you can do to build up a credit history, clean credit report, have a decent income, and try to establish relationship with Chase, you’ll be increasing your approval odds.
In the end remember that’s it’s impossible to know what Chase will or will not do with your application, so sometimes you just have to apply to get your answer.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
More and more credit cards are now offering special credits. The trick with these credits is knowing how to use them and ensuring that you don’t forget to use them or forget when to cancel them.
In this article, I’ll break down the Chase Peloton credits and explain to you how they work and how you might be able to optimize them even if you don’t own a Peloton bike.
What is Peloton?
Peloton is a brand that sells exercise equipment, including exercise bikes and treadmills, and also provides an array of different fitness related classes via its app.
The exercise equipment comes with HD touchscreen monitors and speakers that allow you to get immersed in classes, including live classes with world-class instructors.
You can track your performance metrics and also monitor your position on the leaderboard as you compete with others.
The exercise bikes are known for being high-quality but they are also pretty pricey ranging from around $1,900 to $2,500. You can apply for financing though which can result in payments of around $50 to $65 a month.
As explained in more detail below, you do not have to purchase a Peloton exercise bike in order to use the app or the Sapphire credit.
What is the Chase Peloton credit?
The Chase Peloton credit offers you a statement credit for Peloton Digital Memberships and All-Access Memberships.
So the credits do not go towards the price of the hardware but instead are used for the monthly memberships.
There are two different types of monthly memberships you can sign up for.
The Peloton Digital Membership costs 12.99 per month while the All-Access Memberships cost $39 per month.
The more expensive All-Access Membership is designed for those who purchase the hardware equipment.
Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!
What cards get the Chase Peloton credit?
The following cards will receive the Chase Peloton credit:
The Chase Sapphirre Preferred will offer you a $60 statement credit through December 31, 2021.
Meanwhile, the Chase Sapphire Reserve and the JP Morgan Reserve will offer you $120 in statement credits through December 31 of 2021.
If you are going with the basic $12.99 Digital Membership Monthly Subscription, another way to look at this is that you can get up to 4.6 months free with the Chase Sapphirre Preferred and 9.2 months free with the Chase Sapphire Reserve.
If you are going with the $39 All-Access Membership, another way to look at this is that you can get up to 1.5 months free with the Chase Sapphirre Preferred and 3 months free with the Chase Sapphire Reserve.
How to use these credits
The first thing to be aware of is that these credits are only good through December 31 of 2021.
So if you have the Chase Sapphirre Preferred, you want to be sure to start triggering your credit about six months from the end of the year.
If you have the Chase Sapphire Reserve you want to start triggering your credit about 10 months from the end of the year.
Tip: If you are a new member, you should be able to receive a free 30 day trial for the digital membership monthly subscription. So remember to factor that in when beginning a membership.
How to optimize these credits
If you already are using or already were thinking about subscribing to a Digital Membership Monthly Subscription or the All-Access Membership, then you will save with these credits and your savings are pretty straightforward (but see the below FAQ).
If you currently do not use Peloton there still may be some value to be had with these credits.
That’s because you don’t have to have a Peloton bike or treadmill in order to sign up for and use the Peloton Digital Membership classes.
You can simply obtain a membership and participate in these classes via the app even if you do not own a Peloton exercise equipment.
You can access these classes on the peloton app using your phone, iPad, android device, Fire TV, or even on the web.
They have many courses that you might be interested in well.
For example, there are classes for things like strength, yoga, cardio, meditation, running, stretching and even walking.
There are thousands of classes and some are live while others are on demand.
My advice would be to download the app from the App Store and browse through the different classes to see if anything interests you.
Increased bonus categories
Chase recently announced that Sapphire Preferred cardholders can earn 5x on Peloton purchases and Sapphire Reserve cardholders can earn 10x through March 2022. There is a limit to the total number of points you can earn and it is limited at 25,000 for the Sapphire Preferred and 50,000 points for the Sapphire Reserve.
Also, there is a minimum purchase amount of of $1,800 that applies to your purchase of Bike, Tread, and accessory purchases.
In order to trigger your credit, be sure that your payment method is one of the eligible Chase cards.
Note: If you purchase your membership through the Apple App Store or Google Play App Store you will not qualify for the offer.
What if I am already a Peloton member?
If you are already a member, go here to read about instructions on what to do.
Basically, you might have to switch who manages your membership from something like the App Store to Peloton but this is pretty easy to do.
Do I have to use the credit in consecutive months?
No, the great thing about this credit is that you do not have to use it in consecutive months and can pause your membership if you would like.
Just keep in mind the deadlines mentioned above because if you wait too long to use your credits you will run out of time and not be able to optimize them.
Will I be billed after I use the credits?
After you have used all of your credits, you will continue to be charged for your membership so if you want to avoid getting charged you will need to cancel the membership.
When will the statement credit show up?
You should see the statement credit post to your account the same day you make your qualifying Peloton transaction.
It may take one or two billing cycles for it to show up on your credit card billing statement.
Do authorized users get the credit?
Authorized users do not get an additional $60 or $120 credit.
However, if an authorized user card is used on a membership they can trigger the credit attached to the primary cardmember.
Final word
This is a fantastic way to save money if you are already a Peloton customer.
If you are not a Peloton customer but are interested in fitness, this could still be a very worthwhile credit to use because you can get access to thousands of classes, including live classes.
If you are more of a couch potato then this credit does not do you much good but perhaps you could use it on somebody else?
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Chase Sapphire 48 Month Rule Explained [2021]
Knowing how to navigate credit card application rules is extremely important for optimizing your credit card rewards. If you don’t know what you’re doing or you simply are not aware of the rules, you could be costing yourself thousands of dollars in value.
One of the most important rules to be aware of is the Chase Sapphire 48 month rule. The Chase Sapphire 48 month rule was a pretty big blow when it was unveiled a couple of years ago because it cut down on the bonuses available to people. But if you’re patient enough, this rule doesn’t have to limit you so much.
What is the Chase Sapphire 48 month rule?
The Sapphire 48 month rule means that you cannot receive a bonus or even get approved for a Sapphire card within 48 months of receiving a bonus from another Sapphire card.
Below, I will go into detail about the Sapphire 48 month rule.
But I would strongly recommend that you look into downloading the free app WalletFlo that calculates your eligibility for cards like this. Not only does it calculate the Sapphire 48 month rule but it also calculates eligibility for other major banks like American Express, Citibank, Discover, etc. You won’t have to worry about calculating these things yourself and can simply automate your credit card strategy.
The actual text of the rule
You can find the text of this rule by clicking on “offer details” on the main application page for the credit card.
The actual text of the full Sapphire eligibility rule states the following:
The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months.
So there are basically two parts to this rule.
The first is that you cannot be a current card member of any Sapphire credit card.
So let’s say that you have the Chase Sapphire Reserve and you are trying to apply for the Sapphire Preferred. Even if you received your bonus for the Sapphire Reserve five years ago, you would still not be eligible for the Sapphire Preferred until you close or product change your card.
Many people choose to downgrade their Sapphire cards to one of the Chase Freedom cards so that they can retain some decent rewards while also avoiding an annual fee. Typically, I would advise to wait at least 30 days after closing or product changing a card to re-apply. Others may only wait one week but I like to play things safe.
The second part of the rule is the actual 48 month rule. This simply means that you have to wait 48 months (or four years) from receiving a bonus to be eligible for the card/bonus again. (Again, notice that the rule applies to any Sapphire credit card.)
The big question is when do they consider your bonus received?
How the 48 months is calculated
I think one of the most common questions I see is how is the 48 months calculated?
Does it start from the date that you meet your minimum spend, received your bonus, or when your statement closes? Does it occur on an exact date or is it rounded to the end or beginning of a month?
It’s hard to get a straight answer on questions like this but the general consensus seems to be that the 48 month clock starts to run from the statement close date of the statement that contains the arrival of your bonus points.
So let’s say that you received your bonus points on March 23, 2020.
Now let’s assume that your statement ran from the period of March 12 through April 11. Many people would state that your 48 month clock would reset on April 12, 2024. I would agree with this.
It can sometimes be difficult to track down when exactly you received your points or what statement they came in. And that is why WalletFlo can be so helpful.
The app conservatively estimates when you would receive your bonus so that you can guarantee you’ll be eligible whenever you receive your notification.
I prefer to go with a very conservative method when calculating eligibility because of a few reasons.
First, we don’t always know exactly how these rules are calculated.
For example, I have seen data points where the 5/24 rule is calculated in different ways based on the type of credit reports that were pulled. So there is not always an exact science to how these eligibility rules are done. But if you go conservative then you can almost guarantee that you won’t be surprised by anything.
The other thing to consider is that these type of things can change. So just because something was calculated one way three years ago, that does not mean it will be the same this year.
Authorized users
It’s important to remember that an authorized user is not affected by this rule because they do not receive a bonus. Chase also does not consider you to be a current cardmember if you are only an authorized user.
Final word
The Sapphire 48 month rule requires you to be pretty patient when applying for a new Sapphire card. You typically would calculate your 48 month period by finding the statement close date of the statement in which your points arrived. Then just count four years from that date. But one very easy way to keep tabs on your eligibility for this card and for many others is to simply use WalletFlo.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
Chase Sapphire Reserve Review [2021]
The Chase Sapphire Reserve exploded in popularity in 2016 and ever since then it has been known as one of the most valuable travel rewards credit cards available. Its highlights include things like the welcome and spend bonuses, special benefits, and all of the amazing travel and purchase protections.
In this review article, I’ll cover everything you need to know about the Chase Sapphire Reserve.
Chase Sapphire Reserve intro
50,000 Ultimate Rewards after spending $4,000 in the first three months
3X on dining and travel
10X on Lyft
$300 travel credit
$60 DoorDash credit
Priority Pass Select
Complimentary year of Lyft Pink
One-year DashPass membership
Luxury hotel benefits
No foreign transaction fees
Great travel and purchase protections
$550 annual fee
Welcome bonus
Once upon a time the Chase Sapphire Reserve had a 100,000 point welcome bonus but that is just a thing of the past at this point.
Now-a-days, the standard Chase Sapphire Reserve welcome bonus is 50,000 Ultimate Rewardsafter spending $4,000 in the first three months after account opening. This is a very strong bonus (although it is worth mentioning that the Chase Sapphirre Preferred has a higher bonus of 60,000 points after meeting its minimum spend).
Just how much these Ultimate Rewards are worth depends on how you choose to use them.
If you simply use them for cashback, you would get one cent per point which means that 60,000 points would be worth $600. That’s not a horrible redemption but as I will show below, if you utilize your points for travel you will be able to net much more value.
Chase Travel Portal 50% bonus
As a Sapphire Reserve member, you will receive a 50% bonus on your redemptions through the Chase Travel Portal. This means that if you redeemed your Ultimate Rewards in the Chase Travel Portal, you’ll be able to book things like airfare, hotels, car rentals, and cruises at a rate of 1.5 cents per point which would put the value of 50,000 points at $750, which is very competitive.
This is also much better than the rates you get redeeming your points through Amex Travel.
Therefore, this 50% bonus is one of the key perks of the card.
Chase travel partners
To get maximum value for your points, you would want to transfer your points out to travel partners. Here are all of the current Chase transfer partners:
Aer Lingus
British Airways Executive Club
Emirates
JetBlue
Flying Blue (Air France/KLM)
Iberia Airways
Singapore Airlines KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club
Hyatt
Marriott
IHG
You can transfer your points to all of these partners at a 1:1 ratio.
For example, I booked Lufthansa first class with 110,000 United miles and the fees for the flight were only $112.13. This flight would have cost $8,945 so with all fees factored in, I got 8 cents in value per mile on this redemption! That means 50,000 Ultimate Rewards would be worth around $4,000!
Get outsized value when flying first class.
Eligibility
The Chase Sapphire Reserve is subject to the Chase credit card application rules including the Chase 5/24 rule and the dreaded Sapphire 48-month rule, not to mention the 2/30 rule.
Instead of trying to keep up with calculating all of these rules yourself, I highly recommend that you sign up for the free app WalletFlo which will automate your eligibility for all of these credit card rules.
You can also set up notifications so that you are reminded when you are finally eligible along with keeping tabs on your annual fees, upgrade history, etc.
The Sapphire Reserve earns 3X on dining and travel. At a WalletFlo valuation of 1.73 cents, that’s an unlimited 5.2% return on travel which is amazing.
The travel category is extremely broad so it’s very easy to rack up a lot of points on your travel expenses. And as you will see below, the Reserve has some solid travel protections so it just makes even more sense to use it on your travel purchases.
10X total points on Lyft
You will earn 10X points on Lyft rides through March 2022. This amounts to roughly 17% cashback which is a super competitive rate. If you are already a Lyft user, this could amount to substantial savings. Also keep reading below to find out more about the Lyft Pink benefits.
Travel and dining credits
It’s easy to be turned off by a $550 annual fee but when you have easy to use credits, you can quickly knock down that effective annual fee to under $200.
$300 travel credit
The Chase Sapphire Reserve’s $300 travel credit offsets the hefty $550 annual fee down to $250, which makes the card much more attractive and easier to justify.
The travel credit is special because unlike the travel credits offered by many other credit card issuers, this travel credit is remarkably broad. Chase defines what would be considered “travel” in its terms and conditions and it includes:
Merchants in the travel category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.
$60 DoorDash credit
The Chase Sapphire Reserve offers a $60 annual statement credit for 2020 and 2021 ($60 for each calendar year) that can be used on DoorDash purchases (DoorDash is a food delivery service similar to UberEats).
The unique feature about this credit is that it can be used all at once so you don’t have to keep up with recurring monthly credits.
Tip: Check out the free app WalletFlo so that you can optimize your credit card spend by seeing the best card to use! You can also track credits, annual fees, and get notifications when you’re eligible for the best cards!
Lounge access (Priority Pass Select)
With the Chase Sapphire Reserve, you will get a Priority Pass Select membership which will get you access to a network of over 1,300 airport lounges all around the world.
With these airport lounges you can get free wifi, drinks, food, showers, nap rooms, and comfy and quiet areas to relax in when waiting for your flights.
You’ll get free access for yourself and up to two guests. In addition, you will also be able to receive the credits for the Priority Pass restaurants which are located in select airports.
The restaurant access is a competitive edge when compared to the Priority Pass membership offered by American Express cards but if you want the ultimate lounge access, I still think the Amex Platinum Card has the best overall lounge benefits.
Cabo Priority Pass Lounge.
Complimentary year of Lyft Pink
Cardmembers receive one complimentary year of Lyft Pink, a $199 minimum value. Lyft Pink membership comes with the following perks:
15% off unlimited car rides
Priority airport pickups
Relaxed cancellations
Surprise offers
Waived lost and found fees
Bikes and scooters
If you regularly use Lyft that 15% off could really save you a lot of money over the course of one year. And remember, in addition to that you’ll be earning 10X on Lyft rides!
As a cardmember you will get a complimentary one-year DashPass membership, which is DoorDash’s subscription service that provides unlimited restaurant deliveries with a $0 delivery fee and reduced service fees on orders over $12.
When you order a delivery, you will typically have to pay a delivery fee which can range but is generally a few bucks (~$2 to $5). So with 24 annual orders (2 per month), you could be saving ~$50-$120 with the waived delivery fees alone!
Normally, this membership would cost you $9.99 per month, so that’s a high potential for savings over the span of one year.
Global Entry or TSA Pre-Check Credit
With the Sapphire Reserve, you’ll receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your card for Global Entry and TSA-Pre Check.
With TSA-Pre Check you get to enjoy the following benefits:
And with Global Entry, you can get expedited access back into the country through both immigrations and customs.
Authorized users
With the Sapphire Reserve, you can add authorized users for $75 each. You can read more about the Sapphire Reserve authorized user benefits here.
Events and experiences
You can get exclusive access to some pretty cool events in different industries like music, sports, and entertainment. These include some high profile events like the Sundance Film Festival. There’s also Chase Experiences where you can get preferred seating, VIP access, and other perks at special events in several major cities like New York, LA, and Chicago.
Luxury hotel benefits
The Luxury Hotel & Resort Collection will allow you enjoy special benefits at a variety of top hotels and resorts worldwide, such as:
Complimentary room upgrades
Complimentary meals for you and a guest
Early check-in and late check-out
Special discounts and credits
Extra amenities, gifts and more
The Visa Infinite Luxury Hotel Collection offers you elite-like benefits at different luxury hotels all around the world. These include the following:
Best available rate guarantee
Automatic room upgrade upon arrival, when available
Complimentary in-room Wi-Fi, when available
Complimentary continental breakfast daily
$25 USD food or beverage credit per stay
VIP Guest status
Late check-out upon request, when available
Special amenity unique to each property, such as an additional dining credit or spa credit
You also can get some benefits at Relais & Châteaux, which is a “prestigious collection of independently owned and operated luxury hotels and restaurants, representing approximately 500 establishments globally.”
As a Visa Infinite card member, you can receive a VIP welcome which includes things like a bottle of champagne in room on arrival and also free breakfast (at some properties).
Rental car benefits
As a Sapphire Reserve member, you can enroll in car rental rewards programs from National Car Rental, Avis, and Silvercar and get enhanced benefits, such as upgrades and car rental discounts, savings on luxury and premium rental car rates, plus promotions and other offers.
Travel and purchase protections
You could easily argue that the Sapphire Reserve has the best comprehensive set of travel protections. Just take a look at the list below to get a sense of how many different types of travel protections you can get with this card.
Trip Interruption & Cancellation
Trip Delay Reimbursement
Baggage Delay Reimbursement
Lost or damaged Luggage
Primary rental car coverage
Roadside assistance
Emergency Medical and Dental Benefit
Travel and Emergency Assistance
Emergency Evacuation & Transportation
Travel accident insurance
I’ve written in detail about all of these protections but some of the protections that stand out include the following.
Primary rental car coverage — Not many credit cards offer primary rental car coverage and so this makes the Sapphire Reserve one of the best cards to use for rental cars. With primary rental car coverage you can avoid paying the rental car company for coverage and also avoid having to file a claim with your rental car insurance company. It’s a double win.
Trip cancellation — Getting coverage for trip cancellation or interruption for up to $10,000 is very competitive. If your trip has to be canceled for a covered reason such as you getting sick, you can get reimbursed for all of your qualified prepaid expenses.
Baggage delay reimbursement — If your baggage is delayed by a common carrier for more than six hours, you can get covered for essential expenses for up to $100 for a maximum of five days. Many cards don’t offer baggage delay reimbursement or they have more stringent requirements in order to get coverage.
Purchase protections
Purchase protection
Extended Warranty Protection
Return Protection
What’s cool about the Chase Sapphire Reserve is that it also has amazing purchase protection offering you protection on purchases up to $10,000 in value and up to 120 days after the time of purchase. This is one of the most competitive purchase protections offered.
Chase Sapphire Reserve FAQ
Does the Chase Sapphire Reserve come with lounge access?
Yes, you will get airport lounge access with the Chase Sapphire Reserve via Priority Pass Select.
How much are Chase Sapphire Reserve points worth in the Chase Travel Portal?
You will receive a 50% bonus on your redemptions which means that your point value will come out to 1.5 cents per point when using the Chase Travel Portal.
Does the Chase Sapphire Reserve offer hotel elite status?
No, you do not get hotel elite status with the Chase Sapphire Reserve. However, there are quite a few different hotel programs that offer you elite-like benefits such as free breakfast and upgrades.
What are the Chase Sapphire Reserve Lyft benefits?
You can earn 10X on Lyft purchases and you will also be given one complimentary year of Lyft Pink, a $199 minimum value.
What travel protections does the Chase Sapphire Reserve come with?
The Chase Sapphire Reserve comes with the following travel protections:
Trip Interruption & Cancellation Trip Delay Reimbursement Baggage Delay Reimbursement Lost or damaged Luggage Primary rental car coverage Roadside assistance Emergency Medical and Dental Benefit Travel and Emergency Assistance Emergency Evacuation & Transportation Travel accident insurance
What type of credits do you get with the Chase Sapphire Reserve?
Each year, you will get a $300 travel credit in addition to a $60 DoorDash credit. The $300 travel credit can be used on a wide variety of travel purchases making it one of the easiest credits to maximize.
What is the Chase Sapphire Reserve annual fee?
The annual fee is $550 and it is not waived the first year.
Does the Chase Sapphire Reserve have foreign transaction fees?
As you can tell, the Chase Sapphire Reserve is a well rounded travel rewards credit card. It is arguably the best credit card to put all of your travel expenses on because it earns great rewards and has super solid protections to go along with those. It also has some nice credits and perks that make offsetting the high annual fee very easy for a lot of people.
Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.
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