Up to $500 Back When Your Trip Is Delayed With These Chase Cards

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Up to $500 Back When Your Trip Is Delayed With These Chase Cards

Million Mile SecretsUp to $500 Back When Your Trip Is Delayed With These Chase CardsMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

I’ve written about getting compensated for travel delays by paying $25 for AirCare, but here’s how you can get reimbursed for free!

Via Mile Writer, you can get up to $500 back if your trip is delayed.  But only if you have certain Chase cards.

Up To 500 Back When Your Trip Is Delayed With These Chase Cards
Flight Delayed? You Won’t Have to Sleep in the Airport If You Have Select Chase Cards

Keep reading to find out which 12 Chase cards offer this protection.

Trip Delay Reimbursement

Several Chase credit cards offer trip delay reimbursement protection when you pay for your trip (and those of immediate family members) with your card:

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Chase’s definition of a common carrier includes an airline, cruise ship, or train such as Amtrak.  Commuter trains and bus transportation are not included.

And in the Chase Sapphire Preferred Guide to Benefits, they list a “covered hazard” as:

equipment failure, inclement weather, labor strikes, and hijacking or skyjacking.

Noticeably absent is the overbooking “hazard.”  So if you get bumped off a flight, you may want to call Chase to see if they’ll compensate you beyond what the airline offers.  It doesn’t hurt to ask!

Also, Chase defines your immediate family as you, your spouse, and children under 22 years old.

So your family of 4 could get compensated up to $2,000 if all tickets (or a portion of) were paid with 1 of these Chase cards:

Note:  You should call Chase to make sure your card offers this perk.

And you do NOT have to pay for the entire trip with your eligible Chase card, only part.

For example, you could charge the airline taxes to your Chase Hyatt card and the remainder on your Barclaycard Arrival Plus World Elite Mastercard card so you can redeem Barclay Arrival miles against your travel expenses of $25 or more.  And you’ll be covered under the Chase Hyatt card’s travel delay protection.

What Is Included

You can get reimbursed (up to $500 per ticket) for things you’ll need during your delay such as:

  • Clothes
  • Ground transportation (bus, shuttle, taxi, etc.)
  • Hotel
  • Meals
  • Medications
  • Rental car
  • Toiletries

when you use the same card you used to pay for your trip.

This is great news when the airline won’t give you a meal or hotel voucher.  Or if you want to stay at a different hotel than the 1 the airline wants to pay for.

However, you have to be traveling round-trip and your expenses should be reasonable.  So I wouldn’t book a night at a fancy hotel like the Hyatt Regency Dallas when you could stay at the Hyatt Regency DFW International Airport.

Some folks on Flyertalk have been gotten reimbursed for clothes, hotel, meals, and taxi.

Up To 500 Back When Your Trip Is Delayed With These Chase Cards
Thanks to Travel Delay Reimbursement With Your Chase Card, You Can Enjoy a Nice Meal Instead of Eating Pretzels From the Vending Machine

What Is NOT Included

There are some expenses that travel delay reimbursement does NOT cover such as:

  • Advance notice (where the airline told you in advance about the delay but didn’t change your travel plans)
  • Alcohol
  • Missed flights (because of oversleeping, running late, etc.)
  • One-way flights
  • Tips
Up To 500 Back When Your Trip Is Delayed With These Chase Cards
You Might Be Tempted to Drink Because Your Trip’s Delayed, But It’s NOT Reimbursable

How to File a Claim

Within 60 days of your trip delay, you have to call the number on the back of your Chase card and talk to a benefits administrator to start a claim.  

You have to submit your claim form within 100 days of the delay with the following:

  • Airline, cruise, or train receipt showing the charge to your eligible card
  • Any additional documents requested by the benefits administrator
  • Copies of your tickets (the original ticket and delayed trip ticket)
  • Credit card statement showing the airline, cruise, or train charge
  • Receipts for expenses
  • Statement from your airline, cruise line, or train operator explaining why your trip was delayed

How to Get a Statement From the Airline

While at the airport ask a customer service agent for a military excuse (you may have to ask for a supervisor).  You do NOT have to be in the military.

Tell the agent why you want the statement and nicely ask that they include the following:

  • That you were delayed.
  • The reason why you were delayed (mechanical, etc.)
  • The delay was more than 12 hours or required an overnight stay

Mile Writer has some tips and an example of a military excuse in his post.

Up To 500 Back When Your Trip Is Delayed With These Chase Cards
You Have to Submit Copies of Your Boarding Passes

Does Travel Delay Protection Apply to Award Tickets?

And you can get travel delay protection on award tickets!  But you have to charge your taxes and fees on your award ticket to an eligible Chase card.

According to this post from Flyertalk, Chase reimbursed the cost of hotel, dinner, and taxi when the poster’s award flight was delayed.

And Holly from Frugal Travel Guy got her expenses covered because she charged taxes and fees to her Chase Ink Bold card when weather caused her to stay 2 extra days in Jamaica on an award trip. (That must have been rough! :))

Up To 500 Back When Your Trip Is Delayed With These Chase Cards
Relax Knowing Expenses Incurred Because of Travel Delays Are Covered on Award Tickets Too!

Bottom Line

You can get reimbursed up to $500 a ticket if your trip is delayed.

So if weather or equipment failure causes a 12-hour flight delay (or an overnight), your expenses like meals and hotel could be covered.   But only if you paid with a card that offers trip delay reimbursement like the Marriott Rewards® Premier Credit Card card or 1 of the other 12 Chase cards such as the Chase Sapphire Preferred that offer travel delay protection.

And you do NOT have to pay for the entire trip with your Chase card.  You’re covered if you only pay the taxes and fees.  So you have protection when you’re traveling on an award ticket!

But you have to initiate a claim within 60 days of the delay.   And submit your completed claim form to Chase within 100 days of the delay.

What’s been your experience with submitting a claim to Chase for a travel delay?

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Recently used the Trip Delay benefit as our flight home (from Europe) was cancelled due to air traffic controller strike. I had booked United Award flights but paid the taxes/fees on my United Chase Visa card. It seems they just needed to confirm I paid for the flights for my husband and I with my card. Also I saved the webpage showing the airline cancelled our flight for that day. (You can also ask the airline to provide proof). My weblink was sufficient for my claim. My statement showing award flights were paid on the card, airline page that showed my flight was cancelled, and all receipts were submitted.

We called Chase before making arrangements to get home to see what was covered. Reasonable transportation, hotel, meals, toiletries etc. Chase covered these expenses. It took a really long time (few months) but they also had to translate receipts. Happy with the experience overall. Great benefit to having the card! They paid my entire claim minus $50 for alcohol and tips paid to restaurants (which another reader had mentioned so I expected it.)

Just a note, if you canceled the card but paid for the trip on it on a future date, it is still covered despite being told only active card holders. You’ll need to keep your card for the #s when you call.

Also if not already mentioned, this only covers immediate family and children under 23(?). If you are going with parents they need to purchase the tickets under a card with a similar protection.

Notice that the regular Sapphire card is the only one listed that has NO annual fee. What a great card to downgrade to if you’re in-between the UR cards with fees at the moment. 😉

Anyone know if it counts as paying for a portion of the trip if I add early check-in with Southwest? I already booked before I know about this benefit and paid for the taxes & fees with a card that doesn’t have the Trip Delay coverage.

“For example, you could charge the airline taxes to your Chase Hyatt card and the remainder on your Barclaycard Arrival Plus card so you can redeem Barclay Arrival miles against your travel expenses of $25 or more. And you’ll be covered under the Chase Hyatt card’s travel delay protection.”

This is NOT accurate. I learned this the hard way because I booked reward tickets internationally and used my Chase Sapphire Preferred card to cover the $100 in taxes and fees per ticket. Because the card was not used for any portion of the “base fare”, Visa said we are not able to file a claim.

Just wondering, if a connecting flight is missed but there’s no definite weather/equipment cause (meaning, maybe it was just a delay in taking off on the runway for the first leg of the flight, so the plane comes in late and the connection is missed), will this travel protection cover the cost of meals/car? The reason is that for an upcoming trip, my leg #2 is scheduled to depart 31 minutes after the first is supposed to arrive, and leg #2 is the last flight of the day to Hawaii.

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