The Chase Sapphire card is no-annual-fee credit card from Chase that earns 2x Ultimate Rewards points on restaurants worldwide. Although other cards offer better rewards, this card is particularly notable for its inclusion of trip delay insurance protection in a no-annual-fee credit card.
The card is not available to new applications, but is available as a no-annual-fee downgrade option for the Chase Sapphire Preferred and Chase Sapphire Reserve.
Chase Sapphire card at a glance
Here’s what you need to know about the Chase Sapphire card.
Use this card for:
- Air travel – The card’s trip delay protection baggage delay insurance and lost luggage reimbursement benefits match the benefits of many premium credit cards.
- Purchases with warranties – This card offers Chase’s extended warranty benefit.
Consider other cards for:
- General spending – Card earns 1x points on general purchases. Consider a 2% cash back credit card.
- Category purchases. – In categories like gas, groceries, dining, or travel, many other cards offer more generous rewards.
Welcome bonus
None. This card is not currently available to new cardmembers.
Benefit highlights
- Auto rental collision damage waiver (Primary coverage outside the U.S., secondary coverage within the U.S.)
- Baggage delay insurance
- Extended warranty protection
- Purchase protection
- Trip delay reimbursement
Other important terms
- No annual fee
- 3% foreign transaction fee
Welcome bonus
The Chase Sapphire card is current available only to cardmembers converting a card from a premium Chase Sapphire card, such as the Chase Sapphire Preferred or the Chase Sapphire Reserve.
Chase Sapphire rewards
The Chase Sapphire card awards 1 point per dollar spent on general purchases. The card also offers unlimited 2x rewards on dining, worldwide. Here are the details:
| Bonus category | Earnings | What’s included |
|---|---|---|
| Restaurants | 2x | Restaurants both in the U.S. and abroad – from fast casual to fine dining |
| All other purchases | 1x |
The points you earn with your Chase Sapphire are Ultimate Rewards, which can be redeemed for cash-back rewards or transferred to travel parters if you hold a premium Ultimate Rewards credit card.
Should you keep the card?
The Chase Sapphire card has an annual fee of $0 and is a useful downgrade option to people who are turned off by the annual fee of premium Ultimate Rewards credit cards. Even if you don’t use the card, keeping it open and occasionally putting spending on a no-annual-fee credit card can help you build your credit. But the card isn’t just good for holding open your credit line. Even though other cards earn better rewards on travel, the Chase Sapphire card is a good card to use for air travel spending. It is one of the few cards that offers a trip delay reimbursement benefit on a no-annual-fee card.
Benefits of the Chase Sapphire card
Here is a summary of the benefits offered with the Chase Sapphire card.
| Benefit | Description | Important limitations |
|---|---|---|
| Auto rental collision damage waiver | Provides reimbursement for damages caused by theft or collision up to the actual cash value of most rental cars. | Coverage is secondary within the U.S. but primary outside of the U.S. Maximum rental length: 31 consecutive days. |
| Baggage delay insurance | Provides reimbursement for the emergency purchase of essential items, such as clothing, toiletries and chargers for electronic devices when your baggage is delayed. | Must charge all or a portion of your fare to your card. Maximum benefit: $100 per day for 5 days. |
| Extended warranty protection | Extends the time period of warranty coverage by one additional year on warranties of three years or less. | Coverage maximum of $10,000 per claim and $50,000 per account |
| Lost luggage reimbursement | Provides reimbursement for the difference between the actual cash value and any reimbursement provided by a common carrier for lost luggage. | Coverage maximum of up to $3,000 per person, per trip. Other limitations apply to valuable items and electronic devices. |
| Purchase protection | Protects against damage, theft and involuntary and accidental parting of new retail purchases you make with your card within 120 days of purchase. | Coverage maximum of $500 per claim and $50,000 per account. |
| Trip delay reimbursement | Provides reimbursement for reasonable expenses incurred during a trip delay of over 12 hours or trips that require an overnight stay. | Coverage maximum of $500 for each ticket purchased. |
This card is issued as a Visa Signature card, which means it comes with the standard set of Visa Signature benefits. Learn more about Visa Signature card benefits at Visa’s website.
