Amex is upping their travel protections, so I am wondering what everyone's thoughts are on Chase vs Amex travel protections, especially since the plat earns more points on airfare purchases.
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From my comparisons, even with changes, AMEX doesn't beat CSR on travel protections. I think the recent changes were just to catch up with Chase Sapphire Reserve but they didn't beat them, just tied. And CSR still is better in other travel protections, not the least of which is primary CDW on rental cars with no additional fee, as opposed to additional fee on AMEX. Am I missing something or does AMEX come out ahead anywhere now?
@Aim_High wrote:From my comparisons, even with changes, AMEX doesn't beat CSR on travel protections. I think the recent changes were just to catch up with Chase Sapphire Reserve but they didn't beat them, just tied. And CSR still is better in other travel protections, not the least of which is primary CDW on rental cars with no additional fee, as opposed to additional fee on AMEX. Am I missing something or does AMEX come out ahead anywhere now?
What is Chase's rules in terms of travel protections on award tickets? You can get travel protection on award tickets with amex if you pay the taxes using the amex card. The primary CDW doesn't do anything for me since I don't drive often and therefore purchase driving insurance on as a needed basis. I know that amex will cover award rentals but I don't think chase will. I haven't done a deep dive into a step by step comparison but I am just thinking about this in the context of being able to earn extra points on airfare with the plat card and the rumor of maybe chase increasing the AF, so if it turns out they are tied in terms of benefits offered then maybe chase isn't as appealing as it used to be. I agree amex is playing catch up with travel benefits but the question is at this point is if they have caught up.
@Anonymous wrote:amex requires you to put the entire purchase on the card, chase only ask you use the card for portion of teh purchase.
What are you referring to? My understanding is that you can pay award fees with amex and it covers the award. Most times beyond awards I am putting the entire purchase on one card. The limited exception would be if I am using giftcards/cash together but that will be less likely in the future now that amex has changed the nature of the airline credit.
@sladesurfer wrote:
@red259 wrote:Amex is upping their travel protections, so I am wondering what everyone's thoughts are on Chase vs Amex travel protections, especially since the plat earns more points on airfare purchases.
"Beginning on January 1, if you book a round-trip flight entirely with your eligible card and the flight is canceled for a “covered reason” — including inclement weather, terrorist action, call to jury, sudden illness or injury to you or an eligible traveler — you may receive reimbursement of non-refundable travel expenses of up to $10,000 per trip, with a maximum of up to $20,000 per eligible account for each consecutive 12-month period.
Note that Amex’s sample benefits guide is defining round-trip tickets as travel consisting of “roundtrip, one-way, or combinations of roundtrip or one-way tickets.” This definition covers more than just the standard roundtrip ticket. For example, one itinerary bringing a covered traveler from New York to London, then back from Paris to New York would qualify as a round-trip for the purposes of Amex’s insurance coverage."
"Amex is also adding trip delay insurance, which will cover round-trip flights purchased entirely with an eligible card (again, paying taxes and fees on award tickets or Pay With Points tickets are also covered). If your trip is delayed by more than six hours due to a covered reason, this perk will reimburse unexpected expenses — such as meals, lodging and personal-use items — up to $500 per trip with the following cards:"
But those coverages have been standard on Chase Sapphire Reserve for a long time.
* Up to $1 Million Accidental Death & Dismemberment Insurance
* Primary (at no additional cost) rental car CDW coverage
* Trip Cancellation @ $10K/person; $20K per trip
* Baggage Delay (Over 6 hours for up to $100/day for up to 5 days)
* Lost Baggage (Up to $3K per passenger)
* Trip Delay (Over 6 hours up to $500 per ticket)
* Emergency Evacuation and Transportation up to $100K
* Emergency Medical and Dental care (more than 100 miles away from home; up to $2500)
* Roadside Assistance (Covers 1st $50 of charges up to 4x per year)
SEE: https://www.chase.com/card-benefits/sapphirereserve/travel
