You’ll earn points on purchases of products and services, minus returns or refunds, made with a Chase Sapphire Reserve credit card by you or an authorized user of the account; however, the following types of transactions won’t count as purchases and won’t earn points: any purchases that qualify for the $300 Annual Travel Credit or the $500 Credit for stays with The Edit, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 8 points (“8X points”) on Chase Travel purchases: You’ll earn 8 points for each $1 spent on purchases made using your card through Chase Travel. Travel purchases made using your card through Reserve Travel Designers will only qualify to earn 8 points for each $1 spent if booked directly through Chase Travel. Travel purchases made using your card through FROSCH and its family of travel companies will not qualify to earn 8 points for each $1 spent. 4 points (“4X points”) on flights and hotels booked direct: You’ll earn 4 points for each $1 spent on purchases made in the following rewards category: flights and hotels booked direct. Flight and hotel purchases made using your card through Reserve Travel Designers or FROSCH and its family of travel companies will only qualify to earn 4 points for each $1 spent if it is booked direct with the airline or hotel. 3 points (“3X points”) on dining at restaurants purchases: You’ll earn 3 points for each $1 spent on purchases made in the following rewards category: dining at restaurants including takeout and eligible delivery services. 1 point (“1X points”): You’ll earn 1 point for each $1 spent on all other purchases. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and pay with points for products or services made available through the program or directly from third parties. Redemption values for reward options vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement. For important information about Chase rewards categories, see chase.com/RewardsCategoryFAQs. For more information about the Chase Sapphire Reserve rewards program, you can see the latest Rewards Program Agreement at chase.com/sapphirereserve/rewardsagreement and it will also be available for cardmembers after logging in to chase.com/ultimaterewards and will be mailed for new or changed accounts.

Specific limitations apply to New York residents: Auto Rental Coverage – inside the United States coverage is secondary to your personal automobile insurance. Purchase Protection – coverage period is 90 days from the date of purchase.

These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance.