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A lot of high-profile credit cards — especially rewards cards — come with well-known travel benefits. For example, just about anyone with a Platinum Card from American Express knows that they can get access to over 1,000 airport lounges around the world, while those with the Chase Sapphire Preferred know that they can get double points on all travel and dining expenses.
But there are a handful of great perks, useful benefits, and valuable protections that a lot of credit cards come with. Here are six lesser-known ones that come with three of the most popular travel rewards credit cards — the Chase Sapphire Preferred, the Chase Sapphire Reserve, and the Amex Platinum.
1. Roadside assistance
Amex Platinum card members have complimentary access to premium roadside assistance service. The services are available 24/7 and can provide help with flat tires, engine troubles, jump-starting a battery, or tows of up to 10 miles.
One of the nice things about this benefit is that you’re always covered, simply by being a card member. There are no requirements like needing to use your card to pay for an aspect of the trip — even if you’re around the corner from your house, or even at home, you can access the services by calling the number on the back of your card.
Complimentary roadside assistance is available up to four times a year — after that, you’ll have to pay for any services rendered.
The Sapphire Reserve offers similar roadside assistance, but imposes a cap of $50 per incident up to four times a year.
2. Trip-delay coverage
Flight delays and cancellations are a major inconvenience at best. A lot of the time, they can be downright expensive. If your morning flight gets delayed for long enough, you might find yourself spending a lot on airport food, Wi-Fi, books or magazines, a taxi into town (if you know it’s going to be a long delay), or more while you wait. If you end up stranded overnight, it can be even worse.
If the delay is caused by something outside of the airline’s control, like bad weather, airport or air traffic control problems, IT issues, or certain labor actions, among other things, then it isn’t responsible for your expenses and doesn’t have to provide you with a hotel, food, or anything else.
Fortunately, if you paid for your tickets with a Chase Sapphire Preferred or Sapphire Reserve card, you’re in luck: both cards offer trip delay insurance. Any trip is covered, as long as you paid for it with the card, and it’s on a common carrier, or public form of transportation like a commercial flight, train, bus, cruise ship, ferry, etc.
Both cards offer up to $500 reimbursement for each covered person (including the cardholder’s spouse and dependent children) on the trip. Just about any “reasonable” expense is covered, including a hotel room, meals, toiletries, a change of clothes, and other expenses. Make sure to save all itemized receipts, and to ask the travel provider for proof of the delay.
3. Baggage delay insurance
Like the trip delay coverage, the Sapphire Preferred and Reserve both offer coverage in case your checked luggage is delayed or misdirected. In order for your trip to be covered, you’ll have to have used the card to buy your tickets. The coverage becomes active when your bag has been delayed for six hours or more.
The cardholder and any immediate family members on the trip are covered up to $100 per day for up to five days. You can get reimbursed for items like clothing, toiletries, medications, and any other essential personal items that are in your missing checked bag.
Make sure to file a lost bag report with the airline (which you can usually do at the airline service counter in the baggage claim area), and save all documentation and itemized receipts.
4. Purchase protection
The Amex Platinum has one of the best purchase protection policies of any major credit card. When you make a purchase on the card, you’re covered if the item is stolen, damaged, or lost within 90 days. Coverage is valid for up to $10,000 per occurrence, up to five times per calendar year.
To file a claim, call the number on the back of your card within 30 days of the incident. Keep track of any documentation you need — like the purchase receipt, and, if applicable, a police report.
The Sapphire Preferred and Reserve also include purchase protections — the Preferred’s coverage is only for up to $500 per claim, but extends for 120 days from the date of purchase. The Reserve’s coverage is similar to Amex’s. There have been rumors that Chase is removing purchase protections from its cards — however, the benefits still appear on the card pages and benefit guides, and Chase has not confirmed any plans to change this.
5. Car rental insurance
The fact that the coverage is “primary” means that it applies before your main personal insurance policy, and covers full damages or loss due to collisions or theft. That means you won’t have to file a claim with your own insurance, so you won’t have to pay a deductible or potentially see your rates increase.
Secondary coverage, on the other hand, takes effect after your personal insurance. It often has a deductible, and may not cover the full cost of the repair or replacement. Of course, if you don’t have personal car insurance (because you don’t have a car), most secondary coverage becomes primary.
In order to take advantage of the primary rental car insurance that comes with your Sapphire Preferred or Reserve, simply decline the “collision damage waiver” or “loss damage waiver” offered by the rental agency, and pay with your Sapphire card instead. Keep in mind, though, that that doesn’t include liability coverage, so you may want to consider purchasing that from the rental agency.
The Amex Platinum also offers rental car coverage, but this is considered “secondary” coverage.
Make sure to read your card’s benefit guide if you plan to take advantage of this useful perk — certain vehicle types may be excluded, like cargo vans, super high-value luxury cars, and off-road trucks.
6. Emergency travel medical care/evacuation coverage
The Sapphire Reserve offers emergency medical and dental coverage while you’re traveling. To be covered, you’ll need to have paid for the trip with that card.
Chase will reimburse up to $2,500 for emergency medical or dental expenses while you’re traveling. While the Amex Platinum offers a service that will help connect you with local medical resources, you’ll be responsible for the costs.
Both cards also offer emergency medical evacuation coverage. If you become sick or injured during a covered trip, the benefit can help provide emergency, medically appropriate transportation to a proper treatment facility or, if you’ll need extended treatment, a facility close to home. Unlike most other card benefits, this one isn’t a reimbursement after the fact — the card benefits manager will actively arrange for the services, and needs to approve everything in real-time. If you think you may need to take advantage of the benefit, call the number on the back of your card as soon as you can.
Keep in mind that the Sapphire Reserve provides up to $100,000 in coverage, while the Amex Platinum doesn’t have a cap — as long as the services are arranged by an Amex Global Assist administrator. While $100,000 might sound like a lot, you can reach that cap pretty quickly depending on your situation. For instance, if you need transport home by air ambulance, the cost for the private plane, medical staff, pilots, and so on can easily exceed that.