Chase Sapphire Reserve Reviews

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Points moved to their Sapphire Reserve the day before the cutoff lost the 1.5x value, and Chase said a fix could take a month.

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A portal hotel booking never went through, and getting the refund took two months and an in-branch escalation.

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Only one of ten Paze purchases got the bonus on their Sapphire Reserve, and support told them to wait eight weeks.

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They could not add their Sapphire Reserve to the Paze wallet to use the StubHub promotion, though other Chase cards appeared. They called Chase support, which was still working on the issue.

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They found their Reserve Priority Pass lounge access unreliable at JFK, with long waits and one lounge refusing entry at peak times, and say Chase and Priority Pass each blame the other.

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Applied for the Sapphire Reserve days before the bonus increase, and Chase would not match it.

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A London rental became a four-hour ordeal when Chase and Hertz said the coverage did not apply because they were not the driver.

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Finds Chase customer service worse than Amex and got no retention offer despite heavy Sapphire Reserve spending.

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A listed restaurant's dining credit was denied with shifting excuses.

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Submitted the same claim documents five times before it was resolved.

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Loved the Sapphire Reserve before the changes but now finds phone support unhelpful.

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Dining credit did not post for a misspelled restaurant charge and support would not escalate; it later posted.

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Their son's Chase Travel ticket was never issued; Chase reimbursed the replacement tickets but nothing for the ordeal.

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A flight booked through Chase Travel was confirmed but never ticketed, and fixing it took hours on hold with only a small points offer.

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Chase Travel's handling of a cancelled return flight left them unable to prove the cancellation, so both the insurance and the airline claims failed.

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A Chase Travel hotel booking did not exist at check-in, and Chase spent two hours arguing with Expedia while they rebooked themselves.

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A Chase Travel rep berated them over lost points value, the executive team sided with the rep, and they got an Amex Platinum.

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After losing their Sapphire Reserve, Chase needed four days to send a replacement, while Amex overnights cards.

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A small travel claim took hours and Priority Pass lounges turn them away; won't renew.

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Was hung up on, but a later rep helped and the claim was paid.

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A storm-damage rental claim took three months and repeated paperwork.

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A trip cancellation claim worked with a written statement after a confusing process.

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A French rental claim was paid after repeated paperwork requests.

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A claim paid after two to three months, making them rethink the benefit.

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A lost luggage claim was denied repeatedly, so they are cancelling.

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Their Sapphire Reserve lounge access would not activate, and neither Chase nor Priority Pass could help.

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Neither the hotel nor Chase would give an itemized receipt for a portal booking.

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Couldn't reach a human for help with the Edit, so is downgrading.

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Lost 3x on general travel and finds customer service poor for a travel card.

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Only half their valid delay claims were approved; switching to the Platinum.

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Their last Sapphire Reserve insurance claim with the new administrator took eight months and a second filing to be paid in full.

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Chase kept asking for the same trip insurance information and closed their claim, while their wife's Amex was easy.

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Their family's bags were delayed for days, but the Sapphire Reserve baggage claim reimbursed only part of what they spent.

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Chase denied their Sapphire Reserve dining credit by secure message even though a phone rep had confirmed the charge was valid.

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Dining credit was denied at a listed restaurant, apparently due to a mobile card reader.

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They moved points from an old Freedom card to a new Sapphire Reserve and found the travel portal values them at a flat one cent each rather than the boosted rate they expected; Chase support was not helpful.

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Hit the same ineligible-restaurant issue and a Chase rep could not explain the labels.

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Using a flight credit from a Chase Travel booking took two two-hour calls, so they plan to avoid the portal.

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Found the Chase portal pricier than booking direct, and with no real support when something went wrong.

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Has booked a lot through the Chase portal with no problems, but finds customer service bad once a booking needs changes.

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Most of their Paze purchases on the Sapphire Reserve missed the bonus, and an escalated message went unanswered.

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A Chase rep did not know about the new Sapphire Reserve bonus and would not match it two weeks after they applied.

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A clearly covered claim keeps getting denied.

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Chase gave them the runaround for months on an insurance issue, while Amex just handled theirs.

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Their accident claim has been denied repeatedly.

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Got a 6–8 week runaround on a missing dining credit, which eventually posted.

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Has had three Chase Travel problems, including a hotel booking that did not exist, and finds the service inconsistent.

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A premium suite booked through Chase Travel was missing at the hotel, leaving them with a downgraded room and a small points credit.

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Chase's executive office was condescending when they asked Chase to honor a refundable rate, and they will probably cancel.

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A Chase Travel booking at the Aria was double-billed and could not be disputed, and escalation got them nothing.

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Their first Chase Travel booking, made six months ahead, was missing at the hotel and Chase had to force a reservation.

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Missed a flight in Prague because of a Chase Travel booking problem and has not booked airfare there since.

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A Chase Travel booking confirmed as ocean view was partial view at the hotel, and Chase would not refund the difference.

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A luxury hotel booked through Chase Travel for their wedding trip turned out to be closed for years, and Chase offered no compensation.

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A Chase Travel hotel booking ended up in another country, and Chase reimbursed only part of the points and none of the higher rebooking cost.

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Chase said the gift card qualifies but made them wait 6-8 weeks.

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A smashed window claim was credited but took pointless hoops.

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Rental and purchase protection claims paid after resubmitting.

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A small rental damage claim was denied three times despite rep help; they gave up.

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Flat tire claim was paid after submitting a no-documents statement three times.

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A windshield claim paid after six weeks of repeated document requests.

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Gave up on a trip delay claim after hours on the phone.

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Had to re-upload documents repeatedly before approval.

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A painful windshield claim was eventually paid in full.

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Claims always got paid, but only after months and multiple attempts.

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Current claim stuck with repeated requests, unlike an easy claim a decade ago.

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Got part of a cancellation rental refunded after many calls.

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Chase Travel booking failures and runaround support led them to drop the card.

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Called four times about the fee and got conflicting answers, then no retention offer.

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A cancelled-flight claim eventually paid after a nightmare of requests.