Chase credit cards come with protections and services built into your account
When you open a Chase credit card, you receive more than just a way to earn rewards. Your card includes a set of protections and services — sometimes called cardholder benefits — that cover things like travel delays, purchase disputes, and fraud. These benefits vary by card and tier. A basic Chase card might include purchase protection and fraud monitoring. A premium card like the Chase Sapphire Reserve or Chase Sapphire Preferred includes travel insurance, concierge services, and higher protection limits.
The benefits are there whether you use them or not, but they only work if you know they exist and understand what they cover. Many cardholders never claim benefits they're may have access to to because they don't realize the coverage is included. This guide walks through the most common Chase benefits, what they actually protect, and how to use them when you need them.
Key Takeaways
- Chase cards include fraud protection and dispute resolution at no extra cost, and you're not responsible for unauthorized charges reported within 60 days.
- Purchase protection covers items you buy with the card if they're damaged, stolen, or don't arrive as described, usually for 90 to 120 days depending on the card.
- Travel benefits like trip cancellation insurance, baggage delay reimbursement, and emergency medical coverage are included on mid-tier and premium cards but not on basic cards.
- Extended warranty coverage doubles the manufacturer's warranty on may be able to access items, extending protection by one to three years depending on your card.
- You must contact Chase to file a claim or dispute; benefits don't work automatically, and some require you to file within a specific window after the incident.
Fraud protection and unauthorized charge disputes
Every Chase credit card includes fraud liability protection, which means you are not responsible for charges someone else makes if your card number is stolen or your account is compromised. Federal law caps your liability at $50, but Chase typically covers the full amount if you report the fraud within 60 days of the statement date when the charge appears.
To report fraud, call the number on the back of your card or log into your Chase account online and report the transaction as unauthorized. Chase will investigate, and in most cases the charge is removed within two to three business days while they complete their review. You'll receive a replacement card in the mail, usually within five to seven business days. If you spot a charge you don't recognize but aren't sure whether it's fraud — for example, a subscription you forgot about — you can also dispute it as unauthorized, and Chase will investigate that too.
This protection applies whether your physical card was stolen, your card number was used online, or your account information was compromised in a data breach. It does not cover charges you authorized but later regret, or charges made by someone you gave permission to use your card.
Purchase protection and return coverage
Most Chase cards include purchase protection, which covers items you buy with the card if they're damaged, lost, or stolen within a set window — usually 90 to 120 days from the date of purchase. If you buy a laptop with your Chase card and it's stolen from your car two weeks later, purchase protection reimburses you for the loss, up to a limit per claim and per year (limits vary by card).
Some Chase cards also include return protection, which reimburses you if you buy something, the store refuses to take it back, and you're stuck with it. You have to have tried to return the item within the store's return window first. Return protection typically covers items for 60 to 90 days and has a per-claim limit.
To file a claim, contact Chase and provide a copy of your receipt, proof that you own the item, and documentation of the loss or damage — for example, a police report if it was stolen, or photos if it was damaged. Chase will review the claim and either reimburse you or deny it based on whether the item and circumstances are covered. Processing usually takes two to four weeks.
Travel insurance and trip protection
Mid-tier and premium Chase cards include several travel-related benefits that basic cards do not. Trip cancellation insurance reimburses you if you have to cancel a prepaid trip for a covered reason — illness, injury, death of a family member, or job loss — before you leave. You must have purchased the trip with your Chase card. Coverage typically reimburses up to $5,000 to $10,000 per person depending on the card.
Trip delay reimbursement covers meals and lodging if your flight or cruise is delayed more than 12 or 24 hours (depending on the card). Baggage delay coverage reimburses you for essential items like toiletries and a change of clothes if your checked baggage is delayed. Lost luggage reimbursement covers the value of baggage and its contents if an airline loses your bag permanently.
Emergency medical and dental coverage on some premium cards reimburses you for emergency medical or dental treatment you need while traveling outside the United States. Emergency evacuation and transportation covers the cost of emergency medical evacuation if you're injured or become seriously ill while traveling internationally.
To use travel insurance, you typically need to file a claim with Chase within 90 days of the incident. You'll need receipts, proof of the delay or cancellation, and documentation of the covered reason. Some benefits, like trip cancellation, require you to file before you travel if you're canceling in advance.
Extended warranty and product replacement coverage
Extended warranty protection is included on most Chase cards and doubles the manufacturer's warranty on may be able to access items you purchase with the card. If an item comes with a one-year manufacturer's warranty, extended warranty adds another year, for a total of two years. Some cards extend it by two or three years instead. The protection covers mechanical and electrical breakdown but not damage from accidents, misuse, or normal wear.
To file an extended warranty claim, contact Chase with your receipt and proof of purchase. You'll also need documentation that the item has failed — usually a repair estimate from an authorized repair shop. Chase will either reimburse you for the repair or the replacement cost, up to the item's original purchase price.
Product replacement coverage on some premium cards reimburses you if an item you bought with the card is damaged, stolen, or lost within 120 days. This is broader than extended warranty because it covers accidental damage and theft, not just mechanical failure. Limits and terms vary by card.
Concierge services and travel information
Premium Chase cards like the Sapphire Reserve include a concierge service available 24/7 by phone. The concierge can help with travel planning, restaurant reservations, event tickets, and other requests. They cannot make purchases on your behalf, but they can research options, make calls, and coordinate arrangements. This service is included at no extra cost and is available to you and when ready family members on your account.
Travel information services on premium cards include help with lost luggage, emergency cash transfers, emergency medical referrals, and legal referrals if you need a lawyer while traveling. These are informational and coordination services, not insurance — they help you find resources and navigate a problem, but they don't pay claims directly.
How to find your card's specific benefits
The benefits included on your card depend on which Chase card you have. To see your full benefit list, log into your Chase account online, go to your card details, and look for a section labeled "Benefits" or "Protections." You can also call the number on the back of your card and ask a representative to walk you through what's included.
Chase also publishes a benefits guide for each card, available as a PDF on the card's product page on Chase.com. The guide lists every benefit, the coverage amount, what's excluded, and how to file a claim. Keep this guide or bookmark it — you'll need it if you ever need to file a claim, because you'll need to know the filing important date and what documentation to provide.
Benefits can change, and Chase sometimes adds or removes benefits when it updates a card. Check your benefits guide once a year to make sure you know what's current.
Frequently Asked Questions
Do I have to pay extra for these benefits?
No. All benefits included with your card are part of your cardholder package. You pay the annual fee (if the card has one) for the card itself, not for individual benefits. Some premium cards have higher annual fees partly because they include more valuable benefits, but you don't pay separately for each benefit.
What happens if I don't use a benefit before it expires?
Most benefits have time limits — for example, you have to file a purchase protection claim within 90 days of the incident. If you miss the important date, you lose the right to file. Keep receipts and documentation of purchases and incidents so you can file within the window if you need to.
Can I transfer my benefits to someone else?
No. Benefits are tied to your card and your account. If you're traveling with family members, they can be covered under some benefits like emergency medical coverage, but they can't use your card's benefits on their own cards. Authorized users on your account may have access to some benefits depending on the card.
If I close my card, do I lose the benefits?
Most benefits end when you close the card. However, some benefits like purchase protection or extended warranty may still cover items you bought before you closed the card, as long as you file the claim within the time limit. Check your benefits guide to see which benefits extend after account closure.
What if Chase denies my claim?
If Chase denies a claim, you can ask for a written explanation of why. If you disagree with the decision, you can provide additional documentation or dispute the denial. If you still disagree, you can file a complaint with the Consumer Financial Protection Bureau, which oversees credit card companies.