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Chase Sapphire Reserve Authorized User Benefits June 2026
NC
nextcard teamPublished Dec 31, 2025Updated May 27, 2026
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Most folks focus on the benefits of being a cardholder but there’s some surprisingly good aspects of being an authorized user all at a fraction of the cost. The Chase Sapphire Reserve® is one of the best cards out there for authorized users.
As an authorized user on the Chase Sapphire Reserve®, you will get your own complimentary Priority Pass membership. This Priority Pass membership includes access to over 1,300 airport lounges globally. You’ll be able to enter the lounge for free along with a maximum of two guests. Each additional guest will come at a cost.
As a Chase Sapphire Reserve® cardholder myself, I very much enjoy the benefits of having access to a Priority Pass membership. There’s not always Chase lounges at airports I’m traveling to so I really like having access to Priority Pass lounges.
As someone who lives in between Boston and Providence, I like to fly out of Providence sometimes to avoid the Boston traffic. And flight prices are occasionally cheaper too. The one issue is that there is only one lounge at the Providence T.F Green International Airport. However, with my Priority Pass membership, I get access to the Escape Lounge at Providence Airport.
As an authorized user on the Chase Sapphire Reserve®, you’re getting a Priority Pass membership at a fraction of the cost at $195. Let me get this straight—I would never pay $469 for a "Prestige" tier Priority Pass membership because many other premium cards offer some type of lounge access as a primary cardholder or as an authorized user.
One of my favorite lounges in the world that I’ve been to is the HelloSky Milan Bergamo Loungeat Milan Bergamo Orio Al Serio airport in Milan, Italy.
My sister and I spent time at this lounge when she visited me during my time abroad in Spain. We took a quick trip to Italy where we spent time in Bologna and Milan before returning to Spain.
Here’s my sister’s description of the lounge: “It’s large, not crowded and has great selections for food.” The fun part about this lounge stay is that we were able to stay for breakfast and lunch. Normally it's limited to a 3 hour stay at the lounge but because the employees rotated during the 3 hours, we were able to stay 5 hours.
Yup. As an authorized user on the Chase Sapphire Reserve®, you will get unlimited access to Chase Sapphire Lounges. You can bring two guests into the Chase lounges at no extra cost as well. You also get access to select Air Canada lounges all over the world.
A DoorDash DashPass membership (at $120 value) comes with being an authorized user on the Chase Sapphire Reserve®. With DashPass, you get unlimited $0 delivery fees along with reduced service fees on eligible orders over $12.
I wouldn’t use DoorDash regularly but DashPass definitely makes it more enticing when deciding to pick up vs. delivering.
After doing some research on Reddit and talking with some friends who are authorized users on the Chase Sapphire Reserve®, it is confirmed you have your own DoorDash credits as a Chase Sapphire Reserve® authorized user.
Every month, you get three separate DoorDash credits:
You can apply these credits at checkout.
No. Only the primary cardholder gets these benefits after spending $75,000 on the Chase Sapphire Reserve®:
Although authorized users don’t get the benefits of spending $75,000 on the Chase Sapphire Reserve®, authorized user spend does contribute to the $75,000 spend total.
All of these benefits are excellent perks of being an authorized user on the Chase Sapphire Reserve®. One I’ve made use of often as a Chase Sapphire Reserve® cardholder is the primary car rental insurance. I never pay for insurance when renting a car as I pay with my Chase Sapphire Reserve® so I know I have solid insurance.
No. As an authorized user, your card is linked to the primary cardholder and that also means you have the same card number.
Nope. Authorized users do not get their own Chase offers.
However, you have access to the same pool of Chase offers as the primary cardholder. Let’s say the primary cardholder triggers a Chase offer that’s 5% back on Sunoco purchases. That means when you shop at Sunoco as an authorized user you’ll also get 5% back. Remember that it contributes to the primary cardholder’s point totals, not yours.
As an authorized user on the Chase Sapphire Reserve®, you do not get these credits as your own:
However, if you spend on things that activate these credits, it will trigger the primary cardholder’s credits.
| Benefit | Authorized User Gets It? | Details |
|---|---|---|
| Priority Pass membership | Yes | Own membership + up to 2 guests free |
| Chase Sapphire Lounge access | Yes | Unlimited access + 2 guests free |
| Air Canada lounge access | Yes | Select lounges worldwide |
| DoorDash DashPass | Yes | $0 delivery fees, reduced service fees |
| DoorDash monthly credits | Yes | Two $10 non-restaurant + one $5 restaurant |
| Primary car rental insurance | Yes | Up to $75,000 in theft/collision coverage |
| Trip cancellation/interruption | Yes | Up to $10,000 per person, $20,000 per trip |
| Trip delay reimbursement | Yes | Up to $500 per ticket for 6+ hour delays |
Being an authorized user on a credit card has a number of sneaky good benefits:
The Chase Sapphire Reserve® can be a good card and being an authorized user on the card can have its perks as well, but it depends on your authorized user’s travel tendencies. The lounge access capabilities for Priority Pass, Chase Sapphire, and Air Canada Maple Leaf lounges are a standout benefit of being a Chase Sapphire Reserve® authorized user. If you are a frequent flyer and do not want to shell out the cash to be a super premium cardholder, being an authorized user on the Chase Sapphire Reserve® can be an excellent way to get lounge access.
What are your thoughts on the benefits of being an authorized user on the Chase Sapphire Reserve®?
It costs $195 per year per Sapphire Reserve authorized user.
Yes. Each authorized user gets their own Priority Pass membership with access to 1,300+ lounges worldwide and can bring up to 2 guests for free.
Yes. Authorized users also get unlimited access to Chase Sapphire Lounges and can bring up to 2 guests at no extra cost. They also get access to select Air Canada lounges when flying on a qualifying Star Alliance flight.
Yes. If an authorized user spends on categories that trigger the primary cardholder's credits (travel, dining, StubHub, Edit), it will count toward those credits. However, the authorized user does not get their own separate credits for these categories.
| Baggage insurance | Yes | $100/day delay (up to 5 days), $3,000 lost luggage |
| $300 travel credit | No | Primary cardholder only |
| $300 dining credit | No | Primary cardholder only |
| $300 StubHub credit | No | Primary cardholder only |
| $500 Edit credit | No | Primary cardholder only |
| $75,000 spend benefits | No | Spend counts toward total, but benefits go to primary |
| Own Chase offers | No | Shares primary cardholder's offer pool |
