Originally Posted by guv1976

I'm not sure why they would. The trip cancellation insurance coverage is provided pursuant to an insurance policy that Chase (or maybe Visa) purchases. If you made a successful claim, you would not normally see a credit appear on your Chase credit-card account; instead, you would receive a settlement check from the insurance company.

Since you would not be receiving a statement credit on your Chase account, your minimum-spend requirement would remain satisfied.