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Doctor of Credit notes that Chase has brought back ‘return protection’ for the Chase Sapphire Reserve® card. That’s a benefit that had been dropped two years ago. I actually noted this in my full review of the card last month but it’s worth highlighting separately.
Return protection provides up to $500 per item ($1000 per year) when you’re dissatisfied with a purchase and the seller won’t take it back within 90 days of purchase. (There are certain exclusions such as items purchased overseas.)
- You have to file your claim within 90 days of making the purchase
- If you file the claim within 30 days, expect to be required to document the store’s return policy (since this is only for items the merchant won’t take back)
- You’re going to have to return the item to Chase’s benefits administrator, and it has to be in good condition (items that break shortly after purchase may qualify for purchase protection which is a different benefit)
Full details can be found in the card’s benefits guide. This benefit is, apparently, also available again for the Ritz-Carlton card that is no longer open to new cardmembers (there is no longer a separate Ritz-Carlton program, and new premium Marriott cards are issued by Amex).
Chase Sapphire Reserve‘s protections also include:
- Primary collision damage waiver for rental cars decline your rental company’s collision coverage and you get up to $75,000 in coverage — so if you ding the car your own insurance may not even need to know.
- Baggage Delay if your bags are lost for more than 6 hours you can get up to $100 a day for 5 days reimbursed, save those receipts for purchases of essential items.
- Trip Delay Coverage if your flight is delayed more than 6 hours — or overnight — you get up to $500 per ticket in expenses like hotel, meals, and ground transportation.
- Trip Cancellation or Interruption if it’s a once in a lifetime trip you couldn’t replace you may still want trip insurance, but you can get reimbursement up to $10,000 for trips cancelled or ended early due to sickness, injury, and other covered events.