Chase Sapphire Reserve: Return Protection Is Back

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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.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. This perk was never taken away from the Ritz Carlton card. It also still has the unlimited priority pass benefit.

  2. Gary – Can you reach out to your contacts at Chase and clarify the meaning of trip related coverage. If points or miles from carriers that are NOT one of Chase’s transfer partners, ie other than United, Southwest, Hyatt, IHG, etc, do trip cancellation, interruption, etc benefits still apply? The quoted phrases from their CSR Nov 2019 booklet (and CSP’s Dec 2019 booklet) appear to only include Chase’s partners and of course travel booked using Ultimate Rewards points:
    “Rewards programs associated with the (Chase) account” and “Chase and/or its affiliates sponsored reward program”. In everything I had read over the years on miles and points bloggers I dont’ recall reading that it matters which rewards program’s miles/pts were used to book the travel.

    …Eligible Travel Expenses also means redeposit fees imposed by a
    Rewards program administrator;

    Rewards – points, miles, cash Rewards, or any other type of
    redeemable Rewards, as well as any redeposit fees charged
    by a Rewards administrator, provided that all Rewards
    have been accumulated by the Cardholder through use of
    JPMorgan Chase Bank, N.A. and/or its affiliates sponsored
    Rewards program.

    (not sure of page reference for this but it is before the above 2 quotes)
    .. the Cardholder charges all or a portion of
    a Trip to his or her Credit Card Account and/or Rewards programs
    associated with the Account.

    I know I book travel using my AA and Delta miles and specifically use the CSP card for any fees associated with the booking so that I could be covered for the miles redeposit fees.

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