There are a lot of great benefits to the Chase Sapphire Reserve® Card — I reviewed the card a few days ago. The card has a $450 annual fee but offers perks like a $300 annual travel credit, triple points on dining and travel, the ability to redeem points for 1.5 cents each towards the cost of a travel purchase, a Priority Pass membership with guesting privileges, a Global Entry fee credit, and much more.
While the benefits for the primary cardmember of the Chase Sapphire Reserve® Card are straightforward enough, I often get questions about what the situation is for authorized users on the card.
What much does it cost to add a Chase Sapphire Reserve authorized user?
The cost to add an authorized user on the Chase Sapphire Reserve® Card is $75 per person per year. So you could pay $75 to add one authorized user, $300 to add four authorized users, etc.
What benefits do Chase Sapphire Reserve authorized users get?
Chase Sapphire Reserve® Card authorized users earn triple points on dining and travel, much like the primary cardmember (the primary cardmember gets all the points in their account). This is significant since that’s a very generous return on spend, so if you want to maximize the points you earn for your spouse, family, etc., adding authorized users is a great way to do so.
Another significant benefit of being an authorized user on the Chase Sapphire Reserve is that you get a Priority Pass membership with unlimited visits and unlimited guesting privileges. For many, getting a Priority Pass membership (which gets you access to 1,000+ lounges around the world) for just $75 per year is an exceptional value.
A Priority Pass membership can be extremely valuable, even for the occasional traveler
Beyond that, authorized users receive the same car rental coverage and travel protection (delay protection, baggage protection, etc.) that the primary cardmember does when using their card for the purchase. That’s potentially really valuable.
|Sapphire Reserve Visa Infinite Benefits||Details|
|Baggage Delay Benefit||• You can be reimbursed up to $500 when some or all of the cost of a common carrier ticket is charged to your card (therefore award tickets should be eligible if the taxes are charged to the card)|
• You can be reimbursed a maximum of $100 per day for emergency purchases of essential items at a destination other than your current residence
|Lost Luggage Reimbursement||• Receive reimbursement for lost or damaged checked or carry-on bags and personal property|
• Maximum reimbursement is $3,000
• You must report the loss or damage to the Common Carrier immediately as soon as you exit the Carrier. You will need to provide proof that you submitted a report to the Common Carrier, so be sure to keep a copy of the report for your records.
|Trip Cancellation/Interruption Insurance||• Receive the non-refundable amount of the passenger fare or $10,000 (whichever is less) in the event of a trip cancellation or interruption|
• The cancellation or interruption must be caused by death, accidental injury, disease, or physical illness of the passenger or immediate family member
• This also covers you if your airline goes out of business or tickets are otherwise cancelled by the carrier
|Trip Delay Reimbursement||• Receive up to $500 if your trip is delayed for more than 6 hours or requires an overnight stay|
• The trip has to be delayed by an equipment failure, inclement weather, labor strikes, or hijacking
|Purchase Protection||• Receive up to $10,000 for personal property that has been stolen, damaged, or lost within 120 days|
|Return Protection||• Receive up to $500 per item ($1,000 per year) if you are dissatisfied with a purchase and the retailer won’t return the item within 90 days|
• There are lots of exclusions, including items purchased overseas, and all items have to be returned to Chase as part of the process
|Warranty Manager Service||• Extends the free repair period under the original manufacturers repair warranty up to one additional year on eligible warranties of three (3) years or less, up to a maximum of ten thousand ($10,000.00) dollars per claim, and a fifty thousand ($50,000.00) dollars maximum per Account.|
• Motorized vehicles (boats, cars, aircraft, etc.) aren’t included
Lastly, most perks that you get through Visa Infinite are also extended to authorized users. For example, authorized users can receive 30% off Silvercar rentals of two days or more using promotion code VINFINITE, and also get access to The Luxury Hotel & Resort Collection.
What benefits don’t Chase Sapphire Reserve authorized users get?
Chase Sapphire Reserve® Card authorized users don’t receive a $300 annual travel credit or an additional Global Entry fee credit (the primary cardmember gets a Global Entry fee credit once every four years). Those are probably the two most significant benefits that they don’t receive, though both of those seem fair enough to me, given the modest cost to add authorized users.
How does this compare to the Chase Sapphire Preferred authorized user benefits?
The Chase Sapphire Preferred® Card has an annual fee of just $95 for the primary cardmember, and on that card you can add authorized users at no additional cost. This is potentially a benefit to having the Preferred over the Reserve:
- If the people you’re adding as authorized users greatly value a Priority Pass membership, then having a Sapphire Reserve and adding them as authorized users is your best bet
- If the people you’re adding as authorized users are using the card primarily for modest spend, then it may make more sense to have the Preferred and then add them as authorized users on that, since there’s no additional annual fee; based on my valuation of 1.7 cents per Ultimate Rewards point, you’d need each authorizer user to earn an incremental ~4,500 points per year to justify the added fee of the Reserve over the Preferred
The ability to get Priority Pass memberships and triple points on spend for Chase Sapphire Reserve® Card authorized users for just $75 per year is an excellent value. However, if you’re still deciding between the Preferred and Reserve, there may be some advantage to having the Chase Sapphire Preferred® Card if your plan is to add many family members who don’t spend all that much, assuming they don’t value a Priority Pass membership.