Chase sapphire authorized user

Chase sapphire authorized user

What Benefits Do Chase Sapphire Reserve Authorized Users Receive?

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There are a lot of great benefits to the Chase Sapphire Reserve℠ Card — I reviewed the card a few days ago. The card has a $450 annual fee but offers perks like a $300 annual travel credit, triple points on dining and travel, the ability to redeem points for 1.5 cents each towards the cost of a travel purchase, a Priority Pass membership with guesting privileges, a Global Entry fee credit, and much more.

While the benefits for the primary cardmember of the Chase Sapphire Reserve℠ Card are straightforward enough, I often get questions about what the situation is for authorized users on the card.

What much does it cost to add a Chase Sapphire Reserve authorized user?

The cost to add an authorized user on the Chase Sapphire Reserve℠ Card is $75 per person per year. So you could pay $75 to add one authorized user, $300 to add four authorized users, etc.

What benefits do Chase Sapphire Reserve authorized users get?

Chase Sapphire Reserve℠ Card authorized users earn triple points on dining and travel, much like the primary cardmember (the primary cardmember gets all the points in their account). This is significant since that’s a very generous return on spend, so if you want to maximize the points you earn for your spouse, family, etc., adding authorized users is a great way to do so.

Another significant benefit of being an authorized user on the Chase Sapphire Reserve is that you get a Priority Pass membership with unlimited visits and unlimited guesting privileges. For many, getting a Priority Pass membership (which gets you access to 1,000+ lounges around the world) for just $75 per year is an exceptional value.

A Priority Pass membership can be extremely valuable, even for the occasional traveler

Beyond that, authorized users receive the same car rental coverage and travel protection (delay protection, baggage protection, etc.) that the primary cardmember does when using their card for the purchase. That’s potentially really valuable.

Lastly, most perks that you get through Visa Infinite are also extended to authorized users. For example, authorized users can receive 30% off Silvercar rentals of two days or more using promotion code VINFINITE, and also get access to The Luxury Hotel & Resort Collection.

What benefits don’t Chase Sapphire Reserve authorized users get?

Chase Sapphire Reserve℠ Card authorized users don’t receive a $300 annual travel credit or an additional Global Entry fee credit (the primary cardmember gets a Global Entry fee credit once every four years). Those are probably the two most significant benefits that they don’t receive, though both of those seem fair enough to me, given the modest cost to add authorized users.

How does this compare to the Chase Sapphire Preferred authorized user benefits?

The Chase Sapphire Preferred® Card has an annual fee of just $95 (waived the first year) for the primary cardmember, and on that card you can add authorized users at no additional cost. This is potentially a benefit to having the Preferred over the Reserve:

  • if the people you’re adding as authorized users greatly value a Priority Pass membership, then having a Sapphire Reserve and adding them as authorized users is your best bet
  • If the people you’re adding as authorized users are using the card primarily for modest spend, then it may make more sense to have the Preferred and then add them as authorized users on that, since there’s no additional annual fee; based on my valuation of 1.7 cents per Ultimate Rewards point, you’d need each authorizer user to earn an incremental

4,500 points per year to justify the added fee of the Reserve over the Preferred

The ability to get Priority Pass memberships and triple points on spend for Chase Sapphire Reserve℠ Card authorized users for just $75 per year is an excellent value. However, if you’re still deciding between the Preferred and Reserve, there may be some advantage to having the Chase Sapphire Preferred® Card if your plan is to add many family members who don’t spend all that much, assuming they don’t value a Priority Pass membership.

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Chase Sapphire Preferred trip delay insurance for authorized users

When I periodically trash the Chase Sapphire Preferred as inferior to the Chase Ink Plus (because of its better bonused earning categories) and the Chase Freedom (because of its better earning and lower annual fee) readers invariably come back at me with the Sapphire Preferred's supposedly superior trip delay and car rental insurance benefits.

With respect to rental car insurance, and any other insurance policy, it's important to understand what the policies do and do not cover. Credit card insurance policies, whether "primary" like the Sapphire Preferred or "secondary" like virtually every other credit card, do not cover personal liability, so if you don't have another car insurance policy you'll need to buy one from the rental car agency anyway, and if you do have another car insurance policy you'll still need to make a claim, thereby "revealing" the accident and subjecting yourself to higher future rates, if your car insurance company works like that.

In other words, the supposed advantage of "primary" rental car insurance applies exclusively to situations where you run into a tree or snowbank or something.

My dad once backed a rental car into a tree. But it's a silly thing to claim is worth paying a $95 annual fee for, let alone foregoing a more lucrative credit card like the Chase Freedom.

As I explained shortly after my Labor Day itinerary was delayed, trip delay insurance doesn't cover the consequences of your delayed flights — it only covers the costs. That's better than nothing, but what it's worth depends on how much value you get out of the coverage. Since my trip delay insurance claim has now been paid, I can finally shed some additional light on that.

Who is covered by Chase Sapphire Preferred trip delay insurance? It's complicated.

Chase Sapphire Preferred trip delay insurance covers the cardholder, the cardholder’s spouse or domestic partner, and dependent children under age 22.

Importantly, authorized users count as cardholders for the purposes of Sapphire Preferred trip delay insurance.

However, coverage eligibility is not transitive.

Consider two almost-identical situations:

  1. Primary cardholder Alice buys tickets home from college for her dependent son Bob and his domestic partner Carol. Bob and Carol's flight is delayed, requiring an overnight stay. Since Bob is Alice's dependent child, his trip delay is covered. But since Carol is not a cardholder, cardholder's spouse or domestic partner, or a cardholder's dependent child under age 22, Carol's trip delay is not covered.
  2. Primary cardholder Alice makes Bob an authorized user, and Bob books tickets home from college for himself and his domestic partner Carol. In this case, Bob is a cardholder and Carol is the domestic partner of a cardholder, so both of their trip delays are covered by Sapphire Preferred trip delay insurance.

Like I said, it's complicated.

One possible takeaway is that if you have a Chase Sapphire Preferred card, you can make all your friends and family authorized users and have them pay you back for flights they book with the card. You get the points, they get the trip delay insurance. Whether that's worth doing or not is up to you.

What documents are required for a trip delay insurance claim?

To file a trip delay insurance claim, you need to provide documents verifying 4 broad categories of information:

  • Proof of purchase (1). You must prove that you paid for the original ticket with a Chase Sapphire Preferred card. You'll need to upload the receipt for your ticket, showing the ticket was paid for with a Sapphire Preferred card and the credit card statement the purchase originally appeared on.
  • Proof of purchase (2). You must also provide receipts for the purchases you're making the trip delay insurance claim against. That means hotel receipts, meal receipts, cab receipts, and receipts for any other covered "reasonable additional expenses incurred for meals, lodging, toiletries, medication, and other personal use items due to the covered delay."
  • Proof of eligibility. You must prove that you are either the primary or authorized user on a Sapphire Preferred card.
  • Proof of relationship. If you are filing a claim for the itinerary of a passenger who isn't a primary or authorized user on a Sapphire Preferred card, you must prove that person is a covered individual as described above.

What did I submit to get my claim approved?

The best way I can think of to illustrate this process is to list the 11 files I had to upload to get my claim approved (I uploaded all these documents as .pdf files):

  1. original itinerary. The e-mail from United listing my original flights.
  2. delayed itinerary. The e-mail from United showing my updated flights after the mechanical delay forced an overnight in Denver.
  3. credit card receipt. The credit card statement showing the original purchase of the ticket.
  4. MSO-IAD MSO-DCA boarding passes. The original and reprinted boarding passes from before and after the mechanical delay caused us to be rebooked.
  5. MSO-supper. The e-mail from Uber showing the amount paid for our car from the airport to the restaurant where we ate dinner.
  6. supper-MSO. The e-mail from Uber showing the amount paid for the trip back to the airport.
  7. meals. Scanned images of the credit card receipts for all our meals after the delay was announced.
  8. hotel receipt. The folio from the Hyatt House Denver Airport where we spent the night.
  9. united flight delay letter. The letter from United giving the reason for our delay and restating our original itinerary and the flights we ultimately took (see how to request your own flight delay letter here).
  10. verification of authorized user. A scan of the back of my authorized user card.
  11. verification of relationship. A lease co-signed by my partner and I.

Now that you've read this post, you know infinitely more about this process than I knew when I went into it. That means it probably won't take you a full month to get your trip delay insurance claim approved. But I want to dig into how much value there is in trip delay insurance, and where it is.

  • Meals and booze. When a trip is significantly delayed, airlines will sometimes offer airport funny money that can be used for meals at participating restaurants. Those vouchers exclude alcohol, and are normally in the single-entree range of $5-15. On the other hand, as explained to me, Chase's trip delay insurance provider will cover meals up to $49.99 without an itemized receipt (I've seen mixed reports of whether alcohol was reimbursed on itemized receipts).
  • Hotels. Likewise, when itineraries are delayed overnight, airlines will often accommodate customers at contract rates at nearby hotels. Those rates typically don't earn elite-qualifying nights or points. On the other hand, if you book your own hotel room as soon as you find out your flight is delayed, you get to book at the chain of your choice, maximizing the value of any current promotions while earning elite-qualifying stays and nights.
  • Miscellaneous expenses. There's no better time to buy toothpaste, a fancy new electric toothbrush, or any other expensive toiletries than during a covered trip delay!

Conclusion: if you are willing to pay for trip delay insurance, you have to be willing to take advantage of it

Each purchased ticket during a trip delay is covered for up to $500 by Sapphire Preferred trip delay insurance. If you're holding onto a Sapphire Preferred card, instead of product changing it to a Freedom or Freedom Unlimited, then when an eligible trip delay occurs you need to be ready to get your money's worth. That means booking hotels, buying toiletries, and eating meals that aren't just expensive, but worthwhile.

In other words, if you use your trip delay insurance claim to eat at the airport Qdoba and stay at the airport Ramada, you're paying $95 per year for what United will give you for free.

Chase Adds Authorized User Bonuses For Both The Chase Freedom & Chase Sapphire Cards

Chase already offers an authorized user bonus of 5,000 points on it’s Chase Sapphire Preferred card and apparently that’s been profitable to do so and they are now offering a smaller bonus for the Chase Freedom ($25/2,500 points) & Chase Sapphire ($25/2,500 points) cards. This promotion is only for new card holders.

If you receive one of these cards within the last 90 days then you might still be able to get the authorized user bonus by sending Chase a secured message.

This card comes with a $100 sign up bonus regularly and now comes with an additional $25 if you add an authorized user and they make a purchase. If you hold any card that earns Chase UR points (any of the Ink business cards and the Chase Sapphire Preferred), this $25 can be redeemed as 2,500 Chase UR points instead.

This card comes with a 10,000 point bonus normally and you’ll earn an additional 2,500 points by adding an authorized user and having that user make a purchase within the first three months. You can also transfer these to Chase UR points if you hold any card that can accumulate these points.

If you weren’t already planning on applying for these cards, this shouldn’t sway your decision. 2,500 points is quite a small bonus. Both of these cards regularly come with a larger sign up bonus (Chase Freedom $200 and Chase Sapphire 20,000 points). It also looks like these authorized user bonuses are here to stay, so be patient and wait for the regular higher sign up bonuses to come around.

Also keep in mind that adding authorized users with Chase doesn’t require you to provide SSN information, so it’s very easy to find somebody you trust.

I’ve gotten several questions about authorized users for the Chase Sapphire Reserve. Authorized user cards have an annual fee on this product because of the unique benefits authorized users receive.

Continue reading Benefits for Chase Sapphire Reserve Authorized Users…

Chase Sapphire Preferred versus Chase Sapphire Reserve

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Now that the anniversary of the Chase Sapphire Reserve card has rolled around, you may be wondering: Is the Reserve worth keeping in the long run?

Perhaps you are a current cardholder deliberating whether it is worth making another round on the card’s $450 annual fee. Or perhaps you are a prospective cardholder who has heard the lore of the Sapphire Reserve premiering with a 100,000-point sign-up bonus, and you’re wondering if the card is worth it now that the bonus has descended to 50,000 points.

Our analysis indicates that the Sapphire Reserve is still a great value – both for new cardholders and for those who’ve had the card for a year. Read on to see why the Sapphire Reserve may be a better option than the Chase Sapphire Preferred card:

Chase Sapphire Preferred vs. Chase Sapphire Reserve

  • 2:1 travel and restaurants
  • 1:1 other purchases
  • 3:1 travel and restaurants
  • 1:1 other purchases
  • 50,000 points if you spend $4,000 in first 3 months
  • 5,000 points if you add authorized user and use the card in first 3 months
  • Good rewards rate on travel and dining
  • Versatile rewards points that can be used for statement credits, on the Chase Ultimate rewards site or transferred to airline partners on 1:1 basis
  • No authorized user fee
  • Better rewards rate on travel and dining
  • $300 yearly travel credit can help defray the cost of the annual fee since it covers most travel costs, including airfare
  • Priority Pass lounge access for cardholder + 2 guests
  • Versatile rewards points that can be used for statement credits, on the Chase Ultimate rewards site or transferred to airline partners on 1:1 basis
  • 50% bonus for redeeming points for travel through Ultimate Rewards portal (versus 25% with Preferred card)
  • Rewards rate on regular purchases is low
  • No lounge access
  • Rewards rate on regular purchases is low
  • $450 annual fee
  • $75 authorized user fee
  • Cardholders who want a great travel card and can’t stomach the $450 annual fee on the Chase Sapphire Reserve card
  • New cardholders who want to score a great sign-up bonus and travel credits
  • Cardholders who spend more than $3,334 per year on travel and dining
  • Cardholders who want luxury perks, including lounge access

Chase Sapphire Preferred overview

The Chase Sapphire Preferred is Chase’s original premium travel card – and a wildly popular one thanks to its generous sign-up bonus and versatile rewards points. New cardholders are treated to 50,000 bonus points for signing up and spending $4,000 in the first three months, as well as a 5,000-point bonus for adding an authorized user making a purchase on the card. Cardholders also get 2 points per dollar on restaurant and travel purchases.

Upsides: With 55,000 bonus points total, the card offers one of the most valuable sign-up offers. The card's bonus rate on travel and restuarant purchases also make it great for frequent travelers and diners. Additionally, Chase Ultimate Rewards points are both flexible and valuable. Not only can you redeem them as statement credits for any travel purchase, but you get a 25 percent bonus when you redeem them for travel through Chase’s Ultimate Rewards portal, and you can transfer them to an array of airline partners at a rate of 1:1.

Downsides: The rewards rate on general purchases is low – only 1 point per dollar. There are other travel cards (e.g., the Barclaycard World Elite Mastercard) that offer a flat 2 percent rate on all purchases. However, before you spring for a card with a higher general rewards rate, you need to consider that Chase Ultimate rewards points are probably more valuable than the other card’s points.

Chase Sapphire Reserve overview

The Chase Sapphire Reserve card is Chase’s luxury-level card with a $450 annual fee. The card created a frenzy last year when it premiered with a 100,000-point sign-up bonus. The bonus has since fallen to 50,000 points for spending $4,000 in the first 3 months. With the Reserve, you receive a 3 percent bonus on dining and travel purchases, which tops the 2 percent bonus on dining and travel purchases with the Preferred card.

Upsides: Though the Reserve’s sign-up bonus appears similar to the Preferred card’s, it actually holds more value because Reserve cardholders get a 50 percent bonus when they redeem their points for travel through the Chase Ultimate Rewards portal. (Preferred cardholders get a 25 percent bonus.) Also, the card offers an even better 3 percent rewards rate on travel and dining purchases, and, again, you get versatile Ultimate Rewards points that you can transfer to airline partners at a 1:1 rate.

The Reserve card comes with great luxury perks – including Priority Pass lounge access – that are more accessible than usual to the average traveler. The Reserve’s generous travel credits, including a $100 credit for Global Entry/TSA Precheck every four years and a $300 annual travel credit that applies to most travel expenses, help defray the cost of the annual fee.

Downsides: As with the Chase Preferred card, the 1 percent rewards rate on general purchases is low. Also, the $450 fee – which is not waived in the first year – may be too rich for many cardholders.

Best for new cardholders: Chase Sapphire Reserve

The $450 annual fee on the Chase Sapphire Reserve card may give you some sticker shock, but think things through thoroughly before you turn this card down because of its annual fee. There is a large amount of value hidden beneath the Chase Sapphire Reserve’s glossy surface.

Though the 50,000-point sign-up bonus on the Chase Sapphire Reserve looks comparable to the Chase Sapphire Preferred’s, consider this: Chase Sapphire Reserve members get a 50 percent bonus when redeeming points for travel through the Chase Ultimate rewards portal (compared to a 25 percent bonus for Chase Sapphire Preferred members). So, essentially, the sign-up bonus on the Chase Sapphire Reserve card holds 25 percent more value than the bonus on the Chase Sapphire Preferred card.

On top of a more valuable bonus, the Sapphire Reserve offers a couple of generous travel credits – an annual $300 travel credit that covers anything that Chase categorizes as a travel purchase, including airfare, and a $100 statement credit every four years for Global Entry/TSA precheck. If you are a frequent traveler, you should be able to easily recoup $300 in travel costs, which will cancel out most of the card’s annual fee.

As you can see from the table below, when you add together the travel credits and the sign-up bonus for the Chase Sapphire Reserve, the value of the card easily outmatches its annual fee in the first year (and that’s not including the extra points you earn on travel and dining). It also surpasses the value of the Chase Sapphire Preferred card, despite that card’s lower annual fee.

Clearly, if you are planning to go on vacation or just some weekend getaways in the upcoming year, the Chase Sapphire Reserve is the best card to get you there:

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