3 Perks of the Chase Sapphire Preferred Card You Probably Aren't Using -- but Should

The Chase Sapphire Preferred® Card (see rates and fees) is a standout credit card option for many reasons, including its stellar welcome bonus and high rewards for dining and travel spending. Plus, it earns Chase Ultimate Rewards points, which can be easily transferred to a host of partners for redemption in a variety of ways, such as airline tickets, hotel stays, and even gift cards.

These are the flashy and often-discussed perks of the card, but this Chase credit card also comes with other benefits you might not be using, or even aware of. Let's take a closer look at these features, and see how they make this card even better.

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1. Rental car insurance

This perk helps make the Chase Sapphire Preferred® Card a particularly notable option in the world of travel rewards credit cards. The rental car insurance offered by this card is primary coverage, which means that if you have a mishap with your rental car (say, it gets stolen), you file your claim with Chase directly, rather than your regular auto insurer. You need to pay for your rental using the card, and you must decline any additional insurance coverage offered by the rental agency.

The insurance is good for a car rental period of up to 31 days, so if you've got a two-week vacation coming up and a car rental booked for the whole period, you can rely on this coverage for the whole time. You can drive with more peace of mind if you use your Chase Sapphire Preferred® Card to rent a car.

2. Concierge access

If you've ever stayed in a fancy hotel, you might be familiar with the concept of a concierge. They can answer your questions, make a dinner reservation for you, or even point you in the right direction when it comes to finding a fun activity for your night out on the town.

Well, good news! The Chase Sapphire Preferred® Card is a Visa Signature card, which means cardholders can use the Visa Signature Concierge service. Simply call 800-953-7392, and you can get help with that dinner reservation, event tickets, or even ordering a gift for a special someone. Best of all, there is no charge for this service (although anything you purchase via the concierge will be charged to your credit card).