Can't comment more generally, but one big caution I'd offer is to NOT rely on the supposed Sapphire insurance coverage benefits for car rentals. It's pretty much a scam. Both my wife and a friend separately got into scrapes with cars they'd rented using their Sapphire cards. In both cases, they had to deal with a separate company Chase contracts with for the insurance and had to jump through multiple hoops (such as repeated, duplicative requirements for documentation) over the course of nearly a year to finally get the coverage honored.