Travel Credit Card: Chase Sapphire Reserve

Flying over water in USVI

 

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Travel Credit Card

As an avid traveler, I wanted to learn about travel hacks that would allow me to stretch my hard-earned money. Two years ago Chase bank introduced a travel credit card called Chase Sapphire Reserve. After applying, I had to spend $4000 in 3 months in order to obtain 100,000 points. The points can be used for cash back, flights, hotels, gift cards, etc. 

Many people think that it may be difficult to spend $4000 in such a short time frame. It was fairly easy for me because my apartment manager allows me to pay my rent with a credit card.  Ask friends or family to allow you to purchase items and place the charge on your card but don’t forget to ask for cash upfront to pay off the credit card bill. Any purchase that you make should be placed on the card in order to meet the terms of condition. If you are interested in getting the card now, you have to spend $4000 in 3 months but you only get 50,000 points.

How I spent my 100,000 points 

I had the option of using reward points to redeem cash but points are 50% more value when you redeem hotel, cruise, airfare, and car rental through Chase Ultimate Rewards. It was a no brainer that, I used my rewards to travel around the world.  In the last two years, I used my rewards for the following trips:

I went on my very first solo international trip to Colombia and used 47, 404 points. I could have used fewer points but I traveled around Thanksgiving which caused the price to be more expensive. Although it was more expensive, traveling around this time allowed me to use paid holiday time and I only had to request one week of vacation.  If you work a full-time job, you want to maximize your vacation days.

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Cartagena, Colombia

I had no plans for NYE and booked in an impromptu to Dallas Texas, to visit a friend.

I used to live in Washington DC and attended Howard University. Unfortunately, I had not been back to the nation’s capital in several years after graduation. I booked round trip ticket to Washington DC for several weeks. I enjoyed myself so much I had to rebook another ticket to extend my stay.

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National Portrait Museum, Washington DC 

I volunteered to teach English in Spain and used only 29, 824 points. This was a steal and it was my first time in Europe. While in Europe, I also went to Morocco due to its close proximity.

Tiffany holding certificate of completion from Pueblo Ingles
Diverbo: Volunteer to teach English in Spain

Chase Sapphire Reserve Benefits

Annual Fee

Some credit cards come with an annual fee. The annual fee for the Chase Sapphire Reserve is $450. While that is a very hefty fee, the perks of the card make it worth it.

Baggage Delay Insurance

Baggage Delay Insurance Details: The insurance reimburses you for items such as toiletries and clothing for baggage delay over 6 hours. You are able to claim up to $100 a day for 5 days.

After traveling from Morocco, my baggage was delayed in Barcelona and my final destination was Madrid, Spain.  As a result of my bag being delayed, I had to purchase items such as underwear, t-shirt, socks, etc. (I advise everyone to place these small items in a carryon in the case that your bag is lost or delayed) After returning from my trip I submitted my claim application along with receipts from purchases.

Global Entry

Global Entry is a US Customs Board and Protection that allows expedited clearance for pre-approved travelers entering the United States.

Fill out the application, after successful completion, you will receive a  statement credit up to $100 for 4 years.  Once you send in your application, it may take you a while to get an interview but check the website for any cancelations. It is to be noted some airports accept walk-ins.

I arrived at LAX with my passport and California ID.  The agent asked a couple of questions about my previous travel and less than 15 min I was approved. After I was approved, several weeks later I received my official Global Entry card.

PreCheck

If you get Global Entry it comes automatically with PreCheck. You will receive a known travelers number, some times the number is not automatically attached to your airline ticket. If this occurs, just have the airline attendant add it while checking in.

If you are always running late to the airport like me, precheck is necessary. I love precheck because the line is usually shorter and you don’t have to take off items such as shoes or jacket when going thru TSA security check at the airport.

Priority Pass

Cardholders can access over 1,200 different lounges in various airports. In order to access the lounges bring your Priority Pass Card or download the electronic app. Each lounge and amenities vary. Below is  3 types of lounges I accessed while traveling.

In Puerto Rico, I accessed the lounge for breakfast around 11 am and at 12 pm they started serving lunch. It usually comes with wifi, food, bathrooms.

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In Dallas, Texas,  I went to the Minute Suites for 1 hour where I utilized the layout couch and wifi. Unfortunately, they did not offer free food or snacks.

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Minute Suites: Dallas, Texas

In San Francisco, at the Yankee Pier restaurant, I and guest had $28 to spend each on food. Due to our short layover,  I had to quickly order wings and fries, next time If I have more time I want to try the lobster roll.

Travel Credit 

As the start of your annual billing cycle, the cardholder earns $300 in credit every year.  Last year I used my credit to book a mini-vacation aboard Carnival Cruise from Long Beach, CA.

Carnival Cruise in Long Beach Ca
Carnival Cruise

Trip delay

Trip Delay Insurance Details: If the common carrier is delayed over 6 hours or the passenger has to stay overnight, you or family members can be reimbursed up to $500 per ticket for meals and lodging.

Due to a strike in France, My flight was delayed in Morocco for over 6 hours. The delay caused me to miss my next flight in Barcelona. I paid $120 for taxi and bus fees. After submitting my claim was able to get reimbursed.

Sunrise in Sahara Desert

3x Points on Travel and Dining Worldwide

You get points for dining out and travel-related charges. For every $1 spent at a restaurant you earn 3x points.

Additional perks I haven’t used but are available. Please check out the Chase website for further information.

  • Special Car Rental Privileges
  • Events and Experiences
  • 1:1 Point Transfer
  • The Luxury Hotel & Resort Collection
  • Elite Hotel Benefits at Relais & Chateaux
  • Auto Rental Collision Waiver Damage
  • Roadside Assistance
  • Travel & Emergency Assistance
  • Travel Accident Insurance
  • Emergency Evacuation and Transporation
  • Emergency Medical and Dental Benefit

Although there are additional travel credit cards, this is my experience and I highly recommend this card. Sign up here to open a new credit card.

If you want to learn more about credit and Hotel Perks check out Ronnie from Road to 100 Countries. He has been able to utilize points and travel the world for a fraction of the cost it would normally be.

If you are on Pinterest, feel free to save the Pins Below

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27 Comments

  1. I think this is so wonderful and smart that you used your points to travel. I love to hear good news like this. May God continue to bless you on your endeavors. Thanks for sharing. I have a Chase Sapphire card and I have never used it as of today. You have given me something to think about. Best wishes…Jacqueline Tucker.

    • Yes im so glad that O heard anout this credit card and I have been able to utilize them to my advantage. Im always happy to share various travel hacks 🙂 I hope you start using your card for some of the perks that they offer. Thank you for the blessings 🙂

  2. My Shero! I can’t wait to get this card. I’m trying to pay a couple of things off before I get another card. But this one is definitely on my list. Yall wont be able to tell me NOTHING when I get it either, lol!

    • haha! Glad to be your shero. I totally understand. I want to get a credit card for hotel points next. LOL you gone be balling in points, 🙂 once you get this card. lol

    • Yes key word, frequen traveler! I probaly wouldnt recooment if you didnt travel often due to the expensive annual fee.

  3. Honestly, I never heard to the who point system and credit card. I just started traveling more often and I am trying to learn more about how to travel smartly. I think this article was really informative and it looks like you had a lot of fun where you went!

    • Well, I’m so glad you came across this post especially as a new traveler. They have various travel card but this one has so many perks it’s great for me. So excited that you recently started traveling. I love seeing the world and have fun at all the destinations I travel too.

  4. I always wanted a travel credit card but I never knew all of the benefits you could receive! I thought it was just upgraded flights and hotels. This definitely inspired me to go bigger!

    • You are not alone, I didn’t know about all the perks that came with the card until I received it. I still didn’t know about all the advantages until writing this article. After writing this the next week I had to utilize the towing company which I can use at least 4x throughout the year. Glad to be an inspiration.

    • May not save you from the travel disaster but can def assist with it after it occurs. While the insurance is great it can take a couple of weeks to get everything approved. But def look into this card

  5. Great tip!! I’ve never heard of a card like this however I love to rack up on any kind of “points” in order to get rewards from it so I know that’s very a beneficial asset to the card! I’ll definitely look into this soon!

    • Yes those points on anything comes in handy, I love a discount and this specific card gave me a lot of points. There are many great cards but this is the only one I have experience with.

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