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 many (although not all) 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. UPDATE: This is no longer available.
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 on airfare (2x points). This will ensure that if I have a trip delay and incur additional costs I’ll be covered. UPDATE: Since writing this post, the Chase Sapphire Reserve actually is the best option to use as you’ll receive reimbursement after only 6 hours (not 12) and you’ll receive 3x points on airfare.
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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