Find Elevated Points And Protection With The Chase Sapphire Preferred

Jeremy Cohen lives in New York City, but his travel schedule might make it hard to find him there. As a traveling photographer, Jeremy counts summer music festivals among his regular destination photography gigs and loves to lengthen his work trips so he can explore the unique places his camera leads him. His blending of work and leisure travel led him to search for a credit card knowing he’d want one with travel rewards. He eventually chose the Chase Sapphire Preferred because of the generous rewards and comprehensive travel coverages offered.

Extending Work Trips With the Chase Sapphire Preferred

As one of Chase’s most premium travel cards, the Chase Sapphire Preferred® Card sits high on Forbes Advisor’s list of the best travel credit cards. It’s no surprise a jetsetter like Jeremy carries the Chase Sapphire Preferred—the card offers excellent rewards and great travel protections. But it’s the flexibility in rewards redemption and Chase’s 24/7 customer service that make it happen: Chase Ultimate Rewards® can help a traveler extend a trip to France all the way to Lisbon, Portugal—a diversion Jeremy and his girlfriend recently made during a European adventure.

Photo courtesy of Jeremy Cohen

“It’s one of my cheat codes to life,” says Jeremy. “Whenever I travel for work, if I can, I like to extend my trip a couple days later to explore whatever place I’m in.” But Jeremy’s extended work trips aren’t the only time he uses his Chase card’s travel perks: “[I’m] at the age where all my friends happen to be getting married—I went to seven travel weddings this year.” He says he’s collecting the points with his Chase Sapphire Preferred card. “I like to stack them up and see it grow. Eventually I’ll chip away at it. I’m proud of the number when it gets higher.”

Chase Ultimate Rewards

Rewards can pile up quickly with Chase’s rewards cards. The Sapphire Preferred earns 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on other purchases.

Multiplied Redemptions

“I just like getting as many points as I can,” says Jeremy, whose excitement about earning Chase points extends to spending them, too: He raves about the extra value he receives when redeeming his hard-earned points for travel through Chase Ultimate Rewards.

Redeeming rewards on the Chase Sapphire Preferred comes with up to 25% more redemption value on travel booked through Chase Ultimate Rewards and with Chase’s Pay Yourself Back program. Pay Yourself Back-eligible categories change periodically.

Points Transfer Partners

Photographers like Jeremy often travel to all corners of the world and encounter a number of travel challenges—including coming up short on points with a specific airline or hotel partner. Thankfully, those carrying a Chase Sapphire Preferred (or another eligible Chase Ultimate Rewards-earning card) can transfer Ultimate Rewards points at a 1:1 rate to a long list of airline and hotel loyalty partners. Wherever Jeremy needs to go to get the shot, his points go with him.

Transfer partners include:

• Aer Lingus AerClub
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• British Airways Executive Club
• Emirates Skywards
• Iberia Plus
• IHG Rewards Club
• JetBlue TrueBlue
• Marriott Bonvoy
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards
• United MileagePlus
• Virgin Atlantic Flying Club
• World of Hyatt

Chase Sapphire Preferred Travel and Purchase Protections

Jeremy finds assurance in his Chase card’s complementary protection benefits. “Things are bound to happen when traveling,” he says, referring to the “safety features” built into his Chase card.

The Chase Sapphire Preferred includes primary auto rental collision damage waiver coverage, trip cancellation/interruption insurance, trip delay reimbursement and baggage delay insurance. These coverages remain important to Jeremy because of his work, especially when he’s on deadline. The world stops for no one, but some protection against the out-of-control can help ease the burden when it comes to travel delays and other snafus.

Travel Protections

For those cardmembers who purchase tickets with their Chase Sapphire Preferred card, the card’s travel protections provide excellent coverage. If your common carrier travel is delayed more than six hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket with the card’s trip delay reimbursement.

Baggage delay insurance reimburses the essentials including toiletries and clothing if your luggage is delayed when traveling with a passenger carrier. The coverage provides $100 per day for five days and kicks in when your bags are delayed for more than six hours.

Or, if your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels with the Sapphire Preferred’s trip cancellation/interruption insurance.

Photo courtesy of Jeremy Cohen

Purchase Protections

Chase Sapphire Preferred cardmembers can shop with confidence knowing their purchases are covered by extended warranty protection and purchase protection. Purchase protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year. Extended warranty protections add an additional year to eligible manufacturer warranties of three years or less when the purchase is made with the card.

Additional Chase Perks

Jeremy also enjoys some of the many additional perks his Chase Sapphire Preferred provides. He says he often takes advantage of a special partner offer with Lyft to earn extra points while riding around from shoot to shoot and he’s excited about the included one-year DashPass membership.

Partner Benefits

Chase Sapphire Preferred cardmembers earn 5 points per dollar on Lyft rides through March 2025. Cardmembers also receive a $10 monthly statement credit from Gopuff, the drink and snack delivery service, through Dec. 31, 2023. The card even includes complimentary access to DashPass, DoorDash and Caviar’s joint membership program. With $0 delivery fees on eligible orders and lower service fees for a minimum of a year, the benefit must be activated before Dec. 31, 2024.

A Traveler’s Companion Card

With perks to make a work day (and any “extended work days”) more enjoyable, the Chase Sapphire Preferred fits in the pocket of travelers everywhere. For new cardholders, it can be especially rewarding: Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening. But even those who’ve carried a Chase card for years will tell you it keeps on giving: Jeremy says he’s still only beginning to explore the many benefits his Chase card affords him.

Next Step: The Chase Sapphire Reserve

For even richer benefits than Jeremy experiences with the Sapphire Preferred, the Chase Sapphire Reserve® card offers increased reward earning and extra perks. Its welcome bonus offers new cardmembers 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Since Sapphire Reserve cardmembers can redeem Chase Ultimate Rewards points for 50% more value when booking travel through Chase Ultimate Rewards, this welcome offer provides outsized value for airfare and other travel redemptions.

The Sapphire Reserve also earns extra credit for its automatic $300 annual statement credit. This credit applies to travel expenses charged to the card and can be used toward a wide variety of travel expenses including tolls, parking and rideshare.

Emergency Evacuation & Transportation and Return Protection Benefits

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000 with the emergency evacuation and transportation benefit.

Cardmembers can also receive reimbursement for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year with the Sapphire Reserve’s return protection benefit.

Airport Lounges and Additional Travel Benefits

The Chase Sapphire Reserve brings luxury travel into focus with its complimentary Priority PassTM Select membership. Priority Pass Select membership retails for $429 and unlocks access to more than 1,300 VIP lounges in over 600+ cities worldwide. Chase also recently announced the introduction of Sapphire Lounge by The Club with planned openings coming soon. For the photographer—or anyone—who feels like they spend every minute on the move, the Chase Sapphire Reserve can help provide a comfortable place to rest.

The Chase Sapphire Reserve also provides one statement credit of up to $100 every four years as a reimbursement for application fees charged to your card for Global Entry, TSA PreCheck or NEXUS.

A Card For the Journey Ahead

The Chase Sapphire Preferred and Sapphire Reserve both offer excellent value to travelers everywhere, but for those who want maximum protection and access to elevated benefits including airport lounges and the Chase Luxury Hotel & Resort Collection, the Sapphire Reserve offers tangible value that extends well beyond each swipe, insert and tap.