💳 Chase · Visa Signature
Travel Benefits Guide 2026
Here's exactly what you get — and what you don't — when you use the Chase Sapphire Preferred Card for travel.
This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.
No Global Entry or TSA PreCheck credit on this card.
If your trip is delayed by 12+ hours, you're covered for up to $500/person in expenses.
Covers: meals, lodging, essential items
Triggers at 12 hours (vs 6 hours for Sapphire Reserve). Covers cardholder and family.
Must book travel with this card. Keep all receipts for reimbursement.
Reimburses up to $10,000/person (max $20,000/trip) if you must cancel or cut short your trip.
Covered reasons: sickness, severe weather, jury duty, change in military orders
Lost/stolen/damaged baggage: Up to $3,000/person
Delayed baggage: Up to $500/person after 6+ hours. Covers essential items, toiletries, clothing.
Travel and Emergency Assistance Services provides referrals for medical/legal services. Does NOT cover evacuation costs or medical treatment — cardholder is responsible for costs of services obtained.
Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.
Coverage amount: Up to $60,000
Covers: collision damage, theft
Excludes: liability, personal injury
Eligible countries: Most countries worldwide.
Secondary coverage (not primary like Sapphire Reserve). Covers rental vehicles with MSRP of $125,000 or less.
Credit card trip insurance typically doesn't cover medical emergencies abroad. For international trips, dedicated travel health insurance is recommended.
Browse travel health guides by country →✅ No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.
Travelers who want strong trip insurance protections and flexible point transfers at a low annual fee
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