Question 1

What trip delay trigger does Chase Sapphire Reserve use?

Accepted Answer

Over 6 hours (or overnight), $500 per ticket — versus Chase Sapphire Preferred, which requires over 12 hours for the same $500.

Question 2

Do Amex Gold and Amex Platinum have the same trip delay coverage?

Accepted Answer

No — Platinum pays $500 at over 6 hours (2 claims per 12 months); Gold pays $300 at over 12 hours (also 2 claims per 12 months).

Question 3

Which cards have no trip delay reimbursement?

Accepted Answer

Capital One Visa Signature cards (Visa Signature tier at Capital One carries no trip delay/cancellation. Venture X (Visa Infinite) does.) Capital One World Mastercard (Removed effective Jan 1, 2025.) HSBC Elite (World Elite Mastercard) (No standalone trip-delay reimbursement; trip cancellation and baggage-delay benefits exist on the Chubb/Crawford travel track instead.) Citi Costco Anywhere Visa (Not offered.) Citi Double Cash / Custom Cash / Rewards+ (Strata Premier/Elite carry trip protections; core cards do not.) Discover cards (Discover it, etc.) (None.)

Card	Trigger	Cap per ticket	Notify / docs deadline	Basis
Chase Sapphire Preferred	departure delay over 12 HOURS (or overnight)	$500	notify 60d / docs 100d	BGC11387_v2 — Trip Delay Reimbursement: $500/ticket at 12+ hours
Chase Sapphire Reserve	departure delay over 6 HOURS (or overnight)	$500	notify 60d / docs 100d	BGC11388_v2 — Trip Delay: $500/ticket at 6+ hours
Amex Gold (premium purchase tier, standard trip tier)	delay over 12 HOURS	$300	notify 60d / docs 180d	Amex Trip Delay (Gold tier): $300/covered trip at 12+ hours, 2 claims/12mo; only 4 covered perils (weather, terrorism/hijacking, equipment failure, lost/stolen passport)
Amex Platinum	delay over 6 HOURS	$500	notify 60d / docs 180d	Amex Trip Delay (Platinum tier): $500/trip at 6+ hours, 2 claims/12mo, 4 covered perils
Capital One Venture X (Visa Infinite)	delay over 6 HOURS	$500	notify 30d / docs 90d	Cap1 Visa Infinite guide — Trip Delay Reimbursement: $500/ticket at 6+ hours; perils: equipment failure, weather, strike, hijacking

Trip delay reimbursement: the trigger hours are what actually differ

Triggers and caps by card

Cards with no trip delay reimbursement