When it comes to premium credit cards, the Chase Sapphire Reserve and Chase Sapphire Preferred are among the top choices for travel enthusiasts. Not only do these cards offer exceptional rewards and travel perks, but they also provide valuable benefits for rental car usage.
In this article, we will explore the extensive rental car benefits associated with both Chase Sapphire Reserve and Chase Sapphire Preferred.
Whether you’re a frequent traveler or simply planning a vacation, understanding these benefits will help you make the most of your credit card and enhance your travel experience.
Overview of Chase Sapphire Credit Cards
Before we delve into the rental car benefits, let’s take a brief look at the Chase Sapphire credit card lineup. Chase offers two popular options: the Chase Sapphire Reserve and the Chase Sapphire Preferred.
These cards are designed to cater to different spending habits and travel preferences, but they both provide excellent rewards and benefits.
Benefits of Chase Sapphire Reserve Card
Chase Sapphire Reserve is the premium offering in the Chase Sapphire lineup. It’s tailored for frequent travelers who value luxury and exclusivity. Some of the key benefits of the Chase Sapphire Reserve card include:
- Generous rewards program: Earn valuable Chase Ultimate Rewards points on every purchase. Also, you get reimbursed for up to $300 travel credit with your Sapphire Reserve Card each year. See more!
- Global Entry or TSA Pre-Check application fee credit: Speeds up your airport experience with a credit for your application fee. Up to $100 credit.
- Priority Pass Select membership: You can enjoy access to airport lounges worldwide.
- Travel protection benefits: Get covered for trip cancellation, trip interruption, and baggage delay.
- Luxury hotel benefits: Enjoy elite hotel privileges, such as room upgrades, late check-outs, and more.
Chase Sapphire Reserve Rental Car Benefits
When it comes to rental cars, Chase Sapphire Reserve offers a range of benefits that provide peace of mind and convenience for cardholders. These benefits include:
- Primary car rental insurance: Chase Sapphire Reserve offers primary coverage, meaning it acts as the primary insurance policy before your personal insurance kicks in. This coverage applies to theft and damage to the rental vehicle.
- Coverage for loss of use: If the rental car is unavailable for use due to damage or theft, Chase Sapphire Reserve provides coverage for the loss of use charges imposed by the rental agency.
- Worldwide coverage: The rental car insurance provided by Chase Sapphire Reserve applies to rentals in the United States and around the globe, ensuring you’re protected wherever your travels take you.
- Rental car discounts: Cardholders can enjoy discounts and special privileges when renting with participating car rental agencies, adding even more value to their travel experiences.
Chase Sapphire Preferred Rental Car Benefits
While Chase Sapphire Reserve is the premium option, Chase Sapphire Preferred offers its own set of rental car benefits, making it an attractive choice for frequent travelers and casual vacationers alike. The rental car benefits of Chase Sapphire Preferred include:
- Primary car rental coverage: Similar to the Reserve card, Chase Sapphire Preferred also provides primary car rental coverage for theft and damage to the rental vehicle.
- Coverage for loss and damage: If the rental car is damaged or stolen, Chase Sapphire Preferred offers coverage, ensuring you’re protected from financial liability.
- Wide acceptance: The rental car benefits of Chase Sapphire Preferred are accepted by most car rental companies, giving you peace of mind wherever you choose to rent a vehicle.
Coverage for Collision Damage Waiver (CDW)
One of the essential rental car benefits to consider is the Collision Damage Waiver (CDW). Both Chase Sapphire Reserve and Chase Sapphire Preferred offer coverage for CDW, which protects you from financial responsibility in case of damage or theft of the rental car.
It’s important to note that CDW is not insurance, but a waiver that releases you from liability. Understanding the CDW coverage is crucial before you rent a car.
Coverage for Loss and Damage
In addition to CDW coverage, both Chase Sapphire Reserve and Chase Sapphire Preferred provide protection against loss and damage to the rental car. This benefit ensures that you won’t be held responsible for the full value of the vehicle in case of an accident or theft.
Primary vs. Secondary Rental Car Insurance
An important distinction to be aware of when it comes to rental car benefits is primary versus secondary coverage. Chase Sapphire Reserve offers primary rental car insurance, meaning it is the first line of coverage in the event of an incident.
On the other hand, Chase Sapphire Preferred offers secondary coverage, which means it comes into effect after your personal insurance has been utilized. Understanding the difference can help you determine which card best suits your needs.
Rental Car Insurance for International Travel
If you’re planning an international trip and intend to rent a car, it’s crucial to know the rental car insurance options available.
Both Chase Sapphire Reserve and Chase Sapphire Preferred offer coverage for international car rentals, ensuring you’re protected no matter where your journey takes you. Always check the specific terms and conditions to ensure the coverage meets your needs.
How to Activate Chase Sapphire Rental Car Benefits
To take advantage of the rental car benefits provided by Chase Sapphire Reserve or Chase Sapphire Preferred, it’s essential to activate these benefits before you rent a car. Here’s a step-by-step guide to activating your rental car benefits:
- Log in to your Chase account online or through the mobile app.
- Locate the benefits section for your Chase Sapphire credit card.
- Find the rental car benefits and follow the prompts to activate them.
- Ensure you’re aware of the terms, coverage limits, and any additional requirements.
- Make your car rental reservation using your Chase Sapphire card.
Step-by-Step Guide: Renting a Car with Chase Sapphire:
Renting a car with your Chase Sapphire card is a straightforward process that can be done in a few simple steps. Follow this step-by-step guide to ensure a smooth and hassle-free rental experience:
- Research and select a reputable car rental company that accepts Chase Sapphire.
- Visit the rental car company’s website or call their reservation center to make a booking.
- Provide your Chase Sapphire credit card information during the booking process.
- Review the rental agreement and terms carefully, ensuring they meet your requirements.
- At the rental counter, present your Chase Sapphire card and a valid driver’s license.
- Decline the rental company’s collision damage waiver (CDW) if you have coverage through Chase Sapphire.
- Enjoy your rental car and the peace of mind provided by Chase Sapphire rental car benefits.
Chase Sapphire Frequently Asked Questions
What are the eligibility criteria for Chase Sapphire Reserve?
To be eligible for Chase Sapphire Reserve, you must have excellent credit and meet the income requirements set by Chase. Additionally, you cannot have more than five new credit card accounts within the past 24 months.
Can I use Chase Sapphire Preferred for business rentals?
Yes, Chase Sapphire Preferred can be used for business rentals. It offers primary car rental coverage for both personal and business use.
Are there any limitations to the rental car coverage?
Yes, there are certain limitations and exclusions to the rental car coverage provided by Chase Sapphire cards. It’s crucial to review the terms and conditions to understand the specific coverage limits and requirements.
Do I need to decline the rental car company’s insurance?
If you have active rental car coverage through Chase Sapphire Reserve or Chase Sapphire Preferred, you can decline the rental car company’s insurance options. However, it’s important to review your coverage and ensure it meets your needs before declining additional insurance.
Can I add an authorized user to my Chase Sapphire card?
Yes, both Chase Sapphire Reserve and Chase Sapphire Preferred allow you to add authorized users to your account. Additional cards for authorized users can provide the same rental car benefits as the primary cardholder.
What do I do in case of an accident or theft?
In the event of an accident or theft, you should contact the rental car company immediately to report the incident. You should also notify Chase Sapphire as soon as possible to initiate the claims process for reimbursement of any eligible expenses.
The Chase Sapphire Reserve and Chase Sapphire Preferred credit cards offer exceptional rental car benefits that add value and peace of mind to your travel experience.
From primary car rental insurance to coverage for loss and damage, these cards provide extensive protection for your rental car needs.
By understanding the rental car benefits, activation process, and terms and conditions, you can maximize the advantages of your Chase Sapphire card and enjoy worry-free travels.