Travel Protection Benefits of Chase, Citi, & Amex Cards: Comparison Chart

Update 5/20/17: I added another table under the original benefits comparison table that outlines the terms of coverage for each card, depending on how a trip was paid and whether or not it's roundtrip/one-way. This is information I've gathered from each card's terms and conditions, not first hand experience, so if anyone has further first-hand info, please share in the comments. 

Accidents happen. Delays occur. Baggage gets lost. The more you travel, the more you’re exposed to these kinds of risks.

Travel Protection Benefits of Chase Cards

Accidents happen. Delays occur. Baggage gets lost. The more you travel, the more you're exposed to these kinds of risks. Conveniently, many of the travel credit cards you guys already carry offer protection against these kinds of risks.

If you're looking to open a new travel credit card, chances are travel protection benefits won't be your number one criteria on which you'll call judgement. But if you travel often and on expensive trips, then it should at least be a consideration.

Last Day to Retroactively Earn 5 Airline Miles Per Dollar on Gas & Uber

Tomorrow, March 14, 2017, is the last day to register your Chase Freedom to earn 5x Ultimate Rewards at gas stations, on Uber, and other local commuter transportation costs that you can transfer (circuitously) to United, Korean, British Airways, Southwest, Virgin Atlantic, Flying Blue, and Singapore miles.

This is different than the new Chase Freedom Unlimited card, which Scott reviewed here.

If you register by tomorrow, your Freedom purchases will earn 5x on those categories retroactively to January 1, 2017 (up the standard limit of $1,500 spent in the bonus category per quarter).

On March 15, you will

Sapphire Reserve’s 100k In-Branch Bonus Ending SOON

The current sign up bonus that comes with the Chase Sapphire Reserve Card when you apply online is 50,000 Ultimate Rewards after spending $4,000 on the card within three months of opening it.

If you apply in a Chase branch, you can still get the previous 100,000 Ultimate Rewards bonus for meeting the same minimum spending requirement of $4k in three months that was yanked from the online application in January. This in-branch offer will only last through March 11, 2017.

10x For Hotels/Cars on Freedom & Freedom Unlimited in March

During the month of March, charging a hotel or car rental reservation to your Chase Freedom or Freedom Unlimited Card will earn you 10 Ultimate Rewards per dollar spent. The cap on the promotion is $2,500, so the maximum Ultimate Rewards you can earn is 25,000 per card.

Reader Inquiry: At 4/24, Which Chase Card To Get Next?

I recently received the following email from a reader:
Hi Sarah,
My husband is currently at 4/24 (as long as the Chase Ink Business doesn't count) so I would love for him to get another Chase card. Which Chase card would be best? 

Chase Freedom
Chase Hyatt
Chase IHG
Chase United
Chase ? (Is there a better Chase card to apply for?) 

Thanks for your help!

The reader's husband opened all of the following Chase cards in the last 24 months:

Sapphire Reserve
Sapphire Preferred
Southwest Plus
Southwest Premier 
Ink Plus Business

Yes--that is five cards listed.

Product Changing From An Expensive Annual Fee Card

The Chase Sapphire Reserve, the Citi Prestige, and the Amex Platinum card are premium credit cards with huge benefits and huge annual fees to match: $450.

The first year, these are fantastic cards. The second year, the value is less certain. We'll look at canceling and downgrading options in this post.

The First Year

Many people are scared off by that annual fee, which makes sense at a superficial level. We all got interested in miles and points to save money, not spend it. I was afraid of premium cards when I first jumped in the game.

Trying to Stay Under 5/24? 4 Business Cards With Valuable Sign Up Offers

If you have opened five credit cards from any issuing bank in the last 24 months, Chase usually will not approve you for their credit cards.

[100k ENDS TODAY] Chase Sapphire Reserve vs. Citi Prestige vs. Amex Platinum

The sign up bonus that currently comes with the Chase Sapphire Reserve Card when you apply online, 100,000 Ultimate Rewards after spending $4,000 on the card within three months of opening it, will drop to 50,000 Ultimate Rewards for the same spending requirement this coming Thursday, January 12.