Chase Sapphire Reserve: baggage insurance
What the Chase Sapphire Reserve's baggage insurance covers as its issuer summarises it, which cards with dated benefits list the same thing for a lower fee, and whether the card's rewards pay its fee before the benefit is counted.
Read this first
This list comes from each issuer's benefit summary, read on the month shown beside each card. Summaries leave out the exclusions, the claim limits per year and the conditions — often that the whole trip or purchase has to go on the card — so read the card's full guide to benefits before you rely on one. 64 of the 118 cards in the catalogue have no benefits recorded here yet and are left out, so a card missing from this list may still have it.
What the summary says
Lost luggage reimbursement up to $3,000 per covered traveler
The summary states no limit for it. That means none was written down, not that there is none — the guide to benefits has the figure.
Read from the issuer's benefit summary 2026-11.
Who it is worth it for
If baggage insurance is the reason you are looking at the Chase Sapphire Reserve, the Amazon Visa lists it too, with no annual fee — $795 a year less. 21 cards here carry it for a lower fee in all. What the difference buys is the rest of the Chase Sapphire Reserve: its rewards and the other benefits below. Compare the two summaries before deciding they are the same cover.
On rewards alone, the illustrative household spending $2,205 a month (the assumption, in full) earns about $799 a year on the Chase Sapphire Reserve, or $4 once its $795 fee is paid. So the rewards pay the fee before this benefit is counted: for somebody who spends like that household, the benefit comes on top.
Every card here with baggage insurance
| Card | Annual fee | What the summary says | Read |
|---|---|---|---|
| $895 | up to $3,000 per claim baggage insurance up to $3,000 |
2026-09 | |
| $250 | up to $1,250 per claim Baggage insurance up to $1,250 for carry-on and $500 for checked bags |
2026-10 | |
| none | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| none | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| none | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| none | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $95 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $95 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $95 | Lost or damaged luggage protection |
2026-11 | |
| $95 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $99 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $99 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $149 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $150 | baggage insurance |
2026-09 | |
| $150 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $229 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $250 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $325 | baggage insurance |
2026-09 | |
| $350 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
| $595 | Lost or damaged luggage protection |
2026-11 | |
| $695 | Lost baggage protection |
2026-11 | |
| $695 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 | |
Chase Sapphire Reserve (this card) |
$795 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 |
| $795 | Lost luggage reimbursement up to $3,000 per covered traveler |
2026-11 |
The Chase Sapphire Reserve's other dated benefits
- Rental car — primary cover — up to $75,000 per claim
- Purchase protection — up to $10,000 per claim, 120 days
- Extended warranty
- Trip delay
- Trip cancellation
- Priority Pass lounges
- Global Entry / TSA PreCheck
- Hotel elite status
- Roadside assistance
- Concierge
Questions people ask
Does the Chase Sapphire Reserve come with baggage insurance?
Yes. Its benefit summary, read 2026-11, says: “Lost luggage reimbursement up to $3,000 per covered traveler”. The full guide to benefits sets the conditions, so read it before relying on the baggage insurance.
Which credit card has baggage insurance for a lower annual fee than the Chase Sapphire Reserve?
The Amazon Visa lists it with no annual fee, $795 a year less. 21 cards with dated benefits carry it for a lower fee in all.
What the Chase Sapphire Reserve earns, category by category · Every card with baggage insurance · How the data here is kept