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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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8 Chase Sapphire Preferred benefits you might not know about in 2026
Jennifer is a contributing writer to The Points Guy where she focuses on family travel. She is also the founder of Deals We Like where she helps her readers travel on a deal.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
also contributed to this story
June 23, 2026 • 9 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Quick summary
A popular travel rewards card offers a strong combination of travel protections, purchase coverage and flexible benefits.
Notable perks include complimentary food delivery subscription, trip cancellation/interruption insurance, baggage delay reimbursement and primary car rental coverage.
Additional protections include purchase protection, emergency evacuation coverage and extended warranty on eligible purchases.
These features can help offset costs and provide peace of mind for frequent travelers and everyday users.
What to consider
Some benefits, such as complimentary food delivery subscription, require activation and use of the card for payment to remain eligible.
Trip protections typically apply only when travel expenses are paid with the card and may require documentation for claims.
Coverage limits, exclusions and eligibility windows apply to each benefit, so reviewing terms is essential.
What you'll miss from the article
A detailed breakdown of each protection, activation steps and tips for maximizing lesser-known card benefits.
Generated by AI with support from our editorial team.
Through Chase’s partnership with DoorDash, Chase Sapphire Preferred Card holders can receive complimentary DashPass, DoorDash's subscription service. DashPass includes $0 delivery fees and reduced service fees on eligible orders over $12.
Cardmembers can also receive up to $10 off of groceries, daily essentials and more each month when purchased through DoorDash.
DOORDASH
DashPass typically costs $9.99 a month or $96 annually, meaning this benefit alone can help offset the card's $95 annual fee. Chase's DashPass partnership is currently scheduled to run through Dec. 31, 2029, though eligibility and activation requirements apply.
Chase Sapphire Preferred: Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Note that once enrolled in DashPass, you must use your Chase Sapphire card for payment at checkout for DashPass-eligible orders to receive DashPass benefits.
If your trip is cut short or interrupted by sickness, severe weather or other covered situations (deemed so by the benefit administrator), you can be reimbursed up to $10,000 per covered traveler and $20,000 per trip for prepaid, nonrefundable travel expenses, such as plane tickets, hotels and tours.
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This coverage is available to you and your immediate family members traveling with you when you pay for the trip expenses with your Chase Sapphire Preferred.
If your checked bag is delayed by more than six hours, you can be reimbursed up to $100 per day for up to five days for essential purchases like toiletries and clothing.
For example, if your luggage doesn't arrive at your destination, this benefit can help cover the cost of necessities such as clothing, shoes and toiletries while you wait for your bag to be delivered.
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To file a claim, you'll generally need documentation from the airline confirming the baggage delay, receipts for eligible purchases and proof that the trip was paid for with the Sapphire Preferred. Even award travelers may be eligible for coverage if qualifying travel expenses, such as taxes and fees, were charged to the card.
Along these same lines, you may be eligible for up to $3,000 in lost luggage coverage. However, this benefit requires you to produce almost all your original receipts for items costing more than $25, making it much harder to get the full value.
Travel delays can be frustrating — and expensive — especially when they result in an unexpected overnight stay. Expenses such as hotel accommodations, meals and transportation can quickly add up when a flight is canceled or significantly delayed.
BEN ZUCKER/THE POINTS GUY
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, the Sapphire Preferred covers you and your family for up to $500 per covered traveler for nonreimbursed expenses, such as meals and lodging.
This benefit can help offset the cost of unexpected travel disruptions, allowing travelers to focus on getting to their destination rather than worrying about additional out-of-pocket expenses.
While most (although not all) credit cards offer car rental insurance, you’ll notice a difference in the insurance being offered. Several credit cards offer secondary car rental insurance, and some even charge a fee, but others offer better coverage through primary car rental insurance.
The Sapphire Preferred falls into the latter category, offering primary car rental coverage for no added fee as one of its benefits. This means rentals of up to 31 consecutive days paid for with the card are covered for losses, including physical damage and theft of the rental vehicle, valid loss-of-use charges assessed by the rental company and reasonable and customary towing charges related to a covered loss.
Additionally, with this particular card, your coverage is up to $60,000 for most rental vehicles with an MSRP of $125,000 or less.
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Using a credit card that offers this type of coverage means you can decline any rental car agency insurance policy — which will save you money on your rental — and not have to file a claim with your auto insurance policy.
While this is a benefit you hope you never have to use, it can sure come in handy in an unfortunate event. You’ll also earn at least 2 points per dollar spent on all travel expenses, including car rentals, so you’ll still earn bonus points by paying for your car rental with the Sapphire Preferred.
This benefit covers eligible personal property (purchased using your Sapphire Preferred) in the event of theft, damage or involuntary and accidental parting with property. If something happens to an item within 120 days of purchase, it will be repaired or replaced for a value of up to $500.
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There’s a lengthy list of excluded items, including animals, antiques, anything with an engine, perishable items and used and preowned items.
Plenty of other cards offer similar benefits (such as American Express' purchase protection), but it’s good to know Chase is keeping up with the competition.
One of the newest Chase Sapphire Preferred benefits is emergency evacuation and transportation coverage. If a covered traveler becomes sick or injured during a trip more than 100 miles from home and requires emergency evacuation, the benefit can provide up to $100,000 in covered medical services and transportation expenses.
For life-threatening emergencies, a medical helicopter may evacuate a patient from a cruise ship. IMAGINEWITHME/GETTY IMAGES
While it's not a perk most travelers ever expect to use, emergency evacuation costs can quickly reach tens of thousands of dollars, making this one of the card's most valuable built-in protections.
This benefit can really save you money. The Chase Sapphire Preferred extends eligible manufacturers' warranties of three years or less by an additional year. Boats, automobiles, aircraft, medical equipment, leased or preowned items, and items purchased for commercial use are generally excluded.
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Extended warranty protection can be especially valuable on expensive purchases such as electronics, appliances and other household items. If an eligible item experiences a covered issue after the manufacturer's warranty expires but during the extended warranty period, cardholders may be able to receive reimbursement for repair costs or, in some cases, the original purchase price.
To file a claim, you'll typically need documentation such as the original purchase receipt, warranty information and, when applicable, a repair estimate or statement from the manufacturer confirming the item is no longer covered under the original warranty.
The Chase Sapphire Preferred is known for its strong rewards rates and generous welcome offer, but its built-in protections and lesser-known benefits can provide just as much value over time.
From baggage delay insurance and trip delay reimbursement to primary rental car coverage and extended warranty protection, these perks can help protect both your travels and your purchases. As always, be sure to review the terms and conditions of each benefit and save any documentation that may be needed if you have to file a claim.
Earning valuable Chase Ultimate Rewards points is one of the card's biggest draws, but its built-in protections can be just as useful when plans change or purchases don't go as expected.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
