Last month when there were major flight delays/cancellations due to the hurricane, I did some research on the credit cards that offer travel delay reimbursement. I’ve never really looking into this much, but came to find out that some of the Chase cards can offer great benefits when when you incur a flight delay. Now, you must have actually booking your airfare with one of these cards, not just be a cardmember.
With the following Chase cards if you are delayed for 12 or more hours or require an overnight stay, you’ll get reimbursed up to $500 per ticket for lodging and meals. You must, however, provide receipts when making your claim. I really wish I knew about this when I got stuck in Chicago last April and had to spend the night suddenly at a hotel.
I think many times people automatically think of American Express when helping them out of a bind, but they do not offer any free insurance. American Express does give you trip delay reimbursement, but you must have purchased this add-on option for $9.95/person when you purchased your ticket with an already enrolled card. You can learn more about this here.
In the past, I’ve been diligently using my American Express Business Gold Rewards card. It gives 3x points per dollar which is more than I get with any other card, so of course I book with the best point earning card. Going forward, however, I am going to exclusively use my Chase Sapphire Preferred (2x points on airfare). This will ensure that if I have a trip delay and incur additional costs I’ll be covered. Now, I might break this theory for some flights if I truly do not believe an additional cost will exist if I am delayed/cancelled – such as a flight from New York to DC in the summer. But for those fall and winter flights were hurricanes and snow storms exist, I’ll absolutely be changing my habits.
Chase Cards with this benefit:
- Marriott Rewards
- Ritz Carlton Rewards
- Hyatt Visa
- Sapphire Preferred
- Ink Bold
- Ink Plus
- Ink Cash
- Ink Classic
- United MileagePlus – *if you sign into your United account you’ll receive a better offer
The point of this post is that while maximizing points when making a purchase is great, there are other benefits of certain cards aside from the sign on bonus and spend bonus categories. There are many other insurance type benefits with these cards as well with I will outline in another blog post. There is a Discover credit card that offers trip delay insurance as well, but will outline that in another post along with other benefits of that card.
To learn more about many of these credit cards listed above, check out this page. I have many of the cards listed out, including full blog posts on the perks, sign up bonus, benefits, etc.
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