Earn 100,000 bonus points. Redeem toward travel, stays, and more.

• Auto Rental Coverage

  Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.^{^Same page link to benefits footnote,^^Same page link to benefits footnote}

• Trip Cancellation and Interruption Insurance

  If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.^{^Same page link to benefits footnote}

• Trip Delay Reimbursement

  If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.^{^Same page link to benefits footnote}

• Travel Accident Insurance

  When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.^{^Same page link to benefits footnote}

• Lost Luggage Reimbursement

  Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.^{^Same page link to benefits footnote,^^Same page link to benefits footnote}

• Baggage Delay Insurance

  Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.^{^Same page link to benefits footnote}

• Travel and Emergency Assistance

  If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)^{^Same page link to benefits footnote}

• Roadside Assistance

  If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at time of dispatch.^{^Same page link to benefits footnote}

• Fraud Protection

  Get fraud protection all day, every day.

• Zero Liability Protection

  You won't be held responsible for unauthorized charges made with your card or account information.^{*offer details Opens overlay.}

• Fraud Alerts

  Round-the-clock, real-time monitoring for unusual account activity.^{*offer details Opens overlay.}

• Purchase Protection

  Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.^{^Same page link to benefits footnote,^^Same page link to benefits footnote}

• Extended Warranty Protection

  Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.^{^Same page link to benefits footnote}

• Chip-Enabled Protection

  Enjoy enhanced security and wider acceptance when you make purchases at chip-enabled card readers in the U.S. and abroad.^{^Same page link to benefits footnote}

^{^Same page link returns to benefits target} Travel And Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance.

^{^^Same page link returns to benefits target} Specific limitations apply to New York residents: Auto Rental Coverage - inside the United States coverage is secondary to your personal automobile insurance. Lost Luggage Reimbursement - additionally limited to $2,000 per bag and $10,000 for all Covered Travelers per Trip. Purchase Protection - coverage period is 90 days from the date of purchase.

• What are Ultimate Rewards points and how much is each point worth? Is there a limit to the amount of points I can earn?

  ‘Ultimate Rewards points’ are rewards you earn for purchases of products and services, minus returns or refunds, made with your Sapphire credit card. You can redeem your points for cash back, gift cards, experiences and more through Chase’s Ultimate Rewards portal found on your account dashboard. You can also redeem your points for travel through the Chase Travel portal. There is no limit to the number of points you can earn, and your Ultimate Rewards points won’t expire as long as your account remains open.

• Will I be approved for a Sapphire card if I already have a Sapphire Preferred or Reserve card?

  No. Cardmembers are eligible for only one Chase Sapphire credit card at a time. If you apply for a Sapphire card and you already have a Sapphire Reserve or Preferred card, your credit card application will be declined. Your application will also be declined if you received a welcome bonus for either card in the last 48 months. You will be eligible to change your card after your first 12 months from account opening. If you need a second Sapphire card for a family member, you are welcome to add them as an authorized user to your existing Sapphire account at no additional cost for Sapphire Preferred or a $75 annual fee per authorized user for Sapphire Reserve.^{†Pricing and Terms opens in new window}

• How do I receive the $50 annual hotel credit?

  A statement credit will automatically be applied to your account when you use your Sapphire Preferred card for hotel accommodations purchased through Chase Travel, up to $50 each account anniversary year. The first $50 in Chase Travel hotel purchases made each account anniversary year will not earn rewards points.

• What privileges do authorized users get when they are added to my card?

  Sapphire Preferred primary cardmembers can add authorized users at no additional cost. Authorized users share the same level of purchase protections and travel protections that you have for purchases made with their Sapphire card. The rewards points earned from their purchases will add towards your rewards points total. Only the primary account holder can redeem Ultimate Rewards points earned across both cards.

• How does the 10% anniversary boost work?

  Each account anniversary year, you’ll earn bonus points that equal 10% of your total spend in points from purchases made with your Sapphire Preferred card during the previous account anniversary year at a rate of 1 point for each $1 spent. “Account anniversary year” means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that. For example, if you earned 50,000 points during the year, your 10% annual bonus would be 5,000 points.