This page was originally published in early 2023 and reflects the author’s financial decisions during that time. The card details have since been updated.
Booking travel through a credit card issuer’s portal has its pros and cons, as I found out when I booked a trip for my family using Chase Travel℠, the travel portal provided to Chase cardholders. Here are my experiences with the Chase Travel portal and my thoughts on whether it’s worth using.
Chase Ultimate Rewards travel portal overview
The Chase Ultimate Rewards program allows Chase cardholders to earn lucrative rewards every time they swipe their cards. Cardholders that are part of this program also have access to the Chase Travel portal, which is essentially Chase’s version of an online travel agency (OTA) such as Expedia or Orbitz. Using your issuer’s travel portal is often a great idea that can save you money on travel — but doing so doesn’t always turn out how you expect.
Pros of the Chase Travel portal
The main advantage I’ve found by using Chase Travel is the extra rewards. That’s what convinced me to book a trip through the Chase Travel portal using my Chase Freedom Flex®*.
I earned 5 percent cash back on those flights, whereas I would have only earned 1 percent if I booked directly with the airline. I bought $1,137.26 worth of airfare, so there was a significant difference between 5 percent ($56.86) and 1 percent ($11.37).
Sometimes, it can also make sense to use a card issuer’s travel portal if you’re redeeming rewards for the trip. That’s especially compelling if you have a card like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, which boosts the value of your points by 25 percent and 50 percent, respectively, if you redeem them through the Chase Travel portal.
Cons of the Chase Travel portal
The main drawback of any OTA — card issuer portals included — is that booking travel this way introduces an intermediary into the transaction. If anything goes wrong with your trip, you need to deal with the travel agency’s customer service instead of (or sometimes in addition to) the hotel or airline provider. This can make things more complicated.
Another important note is that hotel bookings made through OTAs typically do not earn loyalty points or count toward elite status. Airline reservations, on the other hand, are generally eligible for frequent flyer miles and elite status qualification.
In my case, I decided that an extra $45.49 in cash back was worth giving Chase’s travel portal a shot. I also viewed it as a professional development opportunity to see how this works in the real world.
What happened with my trip
More than three out of four travelers (77 percent) who’ve traveled for leisure or business in 2023 experienced at least one travel-related problem, according to Bankrate’s 2023 Travel Problems survey. These included:
- Higher prices than they were accustomed to (53 percent)
- Long waits (25 percent)
- Poor customer service (24 percent)
- Hard-to-find availability (23 percent)
- Canceled or disrupted plans (23 percent)
I experienced every single one of those things the night before my wife and daughter were scheduled to leave on the trip I booked through Chase Travel.
Actually, I should back up. The problems started even earlier than that. Weeks before the trip, American Airlines made a schedule change that jeopardized my wife Chelsea and daughter Ashleigh’s chances of making their connecting flight. The new layover seemed impossibly short.
This was my first test of the Chase Travel portal customer service.
But good news — they passed with flying colors, efficiently rebooking Chelsea and Ashleigh at no extra cost and arranging the flights in such a way that it seemed much more likely they would be able to get from one plane to the other. It was fairly complicated because the connecting city needed to change, but the whole process was smooth. I was impressed.
Fast-forward to the night before the trip
We received an email from American Airlines that Chelsea and Ashleigh’s flight from Newark to Phoenix was canceled. There was no explanation, but we assume it had to do with either a staffing or equipment shortage since the weather was calm on both ends; the airline offered to rebook them on the same itinerary two days later. That was far from ideal, since the whole trip was only supposed to last five days (the ultimate destination was Monterey, California, where Chelsea’s parents live).
We simultaneously reached out to both Chase and American. Chelsea reported that the wait to speak with someone at the airline was listed at four hours. I got through to a Chase representative almost immediately.
I explained the situation, and the customer service agent and I started brainstorming alternatives. Was there a different way to get to Phoenix in time for the connecting flight to Monterey? We looked at Newark, JFK, LaGuardia — even as far away as Philadelphia and Hartford, but no dice. How about an entirely new routing? Could they fly from somewhere in the New York area to San Francisco, San Jose or Oakland, California? Those cities are all within a couple hours’ drive of Monterey.
After several attempts to find something that would work, we gave up. Nothing seemed to work. The Chase representative was great, and I feel like he did everything he could to try and solve our dilemma. American Airlines just didn’t have any availability.
We eventually got through to American Airlines and confirmed there were only two options: Travel two days later or cancel. We opted to cancel but — plot twist — we still found a way for Chelsea to visit her parents and for Ashleigh to see her grandparents. We rolled the dice and made an entirely new reservation with JetBlue. They had an early-morning flight from JFK to San Francisco with a few available seats.
The backup plan
The trip ended up costing $700 more due to higher-priced, last-minute plane tickets and a rental car to get them from San Francisco to Monterey, but the trip had a happy ending. It was ironic, too, because we had sworn off JetBlue after experiencing significant issues with them during family trips in the past. This time, they saved the day, and American Airlines dropped the ball.
I’ve heard that some people have taken to making backup flight reservations, especially on carriers such as Southwest, which have particularly generous cancellation policies. I’m not sure I would go that far, but there’s no doubt air travel has been a mess lately. In my view, airlines need to do a much better job of setting their schedules and sticking to them. Unfortunately, there’s little that passengers can do to protect themselves.
Travel insurance might help, and some travel credit cards provide travel insurance benefits at no added cost. But, at the end of the day, the airlines are the ones responsible for getting us from point A to point B.
My Chase Travel review summary
Using the travel portal to book our flights was simple enough, and I did save money initially, even if the change of plans wound up making that a moot point. While our initial flight reservations didn’t work out and we were left scrambling to find a solution, that was through no fault of the Chase Travel portal. In fact, our Chase representative was kind and helpful throughout the entire ordeal, even if he couldn’t do much for us in the end.
The bottom line
The Chase Travel portal wasn’t the problem; I would use it again. I just hope my next flight takes off as planned.
Have a question about credit cards? E-mail me at ted.rossman@bankrate.com and I’d be happy to help.
*The information about the Chase Freedom Flex® has been collected independently by Bankrate. The card details have not been reviewed or approved by the card issuer.
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