15 Popular Credit Cards with Free Travel Insurance Benefits

Travel cards can provide thousands of dollars in rewards and other benefits for frequent travelers. But while most consumers focus on the most obvious travel benefits, like sign-up bonuses and travel rewards, there are plenty of other benefits that get a lot less attention – like travel insurance. But the right combination of travel insurance provisions can add hundreds of dollars in annual benefits to an otherwise good credit card.

Below is our list of the best credit cards for travel insurance for both personal and business use.

The Most Common Travel Insurance Benefits

There are several different types of travel insurance benefits, some unique to individual credit card providers.

Below are the four most common travel insurance benefits:

Trip cancellation/interruption Insurance. Reimburses you for the cost of a trip that’s canceled due to sickness, severe weather, or other covered hazards. Pays up to a certain maximum amount per person and per trip for covered costs.

Auto rental collision damage waiver. When you rent a car, your regular car insurance acts as the primary insurance carrier. But if you charge the rental to a credit card that offers this coverage, the deductible on your regular policy will be covered. It may also cover other hazards not included in your regular policy.

Trip delay reimbursement. Provides reimbursement up to a certain amount for expenses such as meals and lodging that result from a delayed trip.

Baggage insurance. You can be reimbursed up to a certain amount per passenger if you or an immediate family member’s luggage (checked or carry-on) is either damaged or lost by the airline.

If you are relying on any of these coverages, be sure to check the fine print in your credit card agreement and your benefits guide. Coverage will be limited to specific events and dollar amounts determined by the credit card issuer.

15 Credit Cards with Travel Insurance

Chase Sapphire Preferred® Card

Best for: Travel card with generous rewards for online grocery purchases.

Chase Sapphire Preferred

Our Rating: 4.9

★★★★

Chase Sapphire Preferred® Card

Welcome Offer

Earn 60,000 bonus points

Est. Value

Up to $750

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x points on travel purchased through Chase Travel(SM). 3x points on dining, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). 2x points on other travel. 1x points on other purchases.

In addition to many other travel benefits, Chase Sapphire Preferred® Card offers one of the most generous sign-up bonuses among all travel credit cards. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. That’s because you get a 25% boost in value when you redeem your points for travel through Chase Travel(SM).

Travel Insurance Benefits:

  • Trip cancellation/interruption insurance: You can be reimbursed up to $10,000 per person and $20,000 per trip
  • Auto rental collision damage waiver: Provides reimbursement up to the cash value of the vehicle for theft and collision damage for most rental cars when you charge the rental to your card and decline the rental company’s collision insurance.
  • Baggage delay insurance: Up to $100 a day for 5 days for baggage delays over 6 hours
  • Trip delay reimbursement: Coverage for expenses including meals and lodging up to $500 per ticket if your delay is more than 12 hours or requires an overnight stay.
  • Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals though you are responsible for the cost of any goods or services

Restrictions, limitations, and exclusions apply. See your Guide to Benefits for coverage details.

1x points
On all other eligible purchases
1x points on all other purchases
2x points
Travel
2x points on all other travel purchases
3x points
U.S. supermarkets
Earn 3x points on online groceries (excluding Target, Walmart and wholesale clubs)
3x points
Streaming services
Earn 3x points on select streaming services
3x points
Dining
3x points on dining
5x points
Travel
5x points on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earns Chase Ultimate Rewards points
  • Up to 5x points

Cons

  • Annual fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved11/25/2023
814
Experian
$5,000
Approved08/03/2023
872
Not Provided
$19,500
Approved12/29/2023
712
Experian
$15,000
Approved04/19/2023
737
Equifax
$16,000
Approved04/19/2023
747
Experian
$16,000
Approved04/19/2023
747
TransUnion
$16,000
Approved11/11/2023
800
Not Provided
$16,800
Approved04/18/2023
790
Experian
$17,300
Approved05/21/2023
703
Experian
$17,300
Approved04/04/2023
735
Equifax
$17,300
Approved04/04/2023
825
Experian
$17,300
Approved07/06/2023
735
Experian
$5,000
Approved07/06/2023
745
Equifax
$5,000
Approved07/06/2023
755
TransUnion
$5,000
Approved05/20/2024
750
Not Provided
$7,500
Approved05/02/2024
797
Experian
$22,500
Approved05/02/2024
848
TransUnion
$22,500
Approved06/03/2024
716
Not Provided
$5,000
Approved10/19/2023
720
Not Provided
$19,500
Approved03/04/2024
590
Not Provided
$5,000
Approved06/14/2023
759
Experian
$6,000
Approved04/06/2023
897
Not Provided
$23,800
Approved01/30/2024
645
Equifax
$9,000
Approved01/30/2024
645
TransUnion
$9,000
Approved01/30/2024
666
Experian
$9,000
Approved04/14/2023
765
Experian
$7,200
Approved04/14/2023
777
Equifax
$7,200
Approved04/14/2023
777
TransUnion
$7,200
Approved10/23/2023
745
TransUnion
$5,000
Approved10/03/2023
761
Equifax
$18,000
Approved10/03/2023
767
Experian
$18,000
Approved10/03/2023
774
TransUnion
$18,000
Approved05/06/2024
832
Not Provided
---
Approved05/06/2024
833
Not Provided
---
Denied01/04/2024
783
Not Provided
---
Denied04/18/2024
707
Equifax
---
Denied04/18/2024
714
Experian
---
Denied01/17/2024
795
Not Provided
---
Denied05/29/2024
727
Not Provided
---
Denied06/12/2024
770
Not Provided
---

Chase Sapphire Reserve®

Best for: Frequent diners and travelers.

Chase Sapphire Reserve

Our Rating: 4.9

★★★★

Chase Sapphire Reserve®

Welcome Offer

Earn 60,000 bonus points

Est. Value

Up to $900

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Req’d

Excellent

Rewards: Chase offers triple points per dollar spent on restaurants and travel and single points per dollar spent on all other categories.

The Chase Sapphire Reserve® also comes with a statement credit of up to $100 every four years as reimbursement for your Global Entry or TSA PreCheck or Nexus fee credit. You’ll also get the benefit of an annual $300 travel credit, as well as access to more than 1,300 airport lounges in more than 600 cities around the world.

Travel Insurance Benefits:

  • Trip delay reimbursement: Up to $500 per ticket if delay is more than 6 hours or requires an overnight stay.
  • Trip cancellation/interruption insurance: If your trip is canceled or cut short by covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses.
  • Auto rental collision damage waiver: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.
  • Baggage delay insurance: Reimburses you for essential purchases for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
  • Lost luggage reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
  • Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
  • Emergency evacuation and transportation: You can be covered for medical services and transportation up to $100,000.
  • Roadside assistance: If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
  • Travel accident insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.

Restrictions, limitations, and exclusions apply. See your Guide to Benefits for coverage details.

1x points
On all other eligible purchases
Earn 1 point per dollar on all other eligible purchases.
3x points
Dining
Earn 3x points on other travel and dining.
5x points
Travel
Earn 5x points on flights when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.
10x points
Travel
10x on hotels and car rentals when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 10x points
  • Excellent statement credits
  • Transfer points to Chase travel partners

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/08/2023
720
Not Provided
$10,000
Approved05/08/2023
830
Experian
$27,000
Approved02/06/2023
677
Experian
$10,700
Approved04/19/2023
806
Experian
$18,600
Approved04/19/2023
810
Equifax
$18,600
Approved04/19/2023
823
TransUnion
$18,600
Approved08/03/2023
700
TransUnion
$15,000
Approved09/30/2023
698
Experian
$25,500
Approved09/30/2023
730
TransUnion
$25,500
Approved09/30/2023
733
Equifax
$25,500
Approved09/30/2023
766
Equifax
$25,500
Approved12/14/2023
750
Experian
$10,000
Approved03/22/2023
719
Equifax
$21,700
Approved03/22/2023
752
TransUnion
$21,700
Approved03/22/2023
789
Experian
$21,700
Approved01/07/2023
821
Experian
$25,000
Approved01/07/2023
828
TransUnion
$25,000
Approved01/07/2023
838
Equifax
$25,000
Approved10/23/2023
751
Experian
$10,000
Approved10/23/2023
785
TransUnion
$10,000
Denied10/19/2023
749
TransUnion
---
Denied10/19/2023
765
Experian
---

The Platinum Card® from American Express

Best for: Travelers looking for the largest airport lounge network.

Amex Platinum Card

Our Rating: 4.5

★★★★

The Platinum Card® from American Express

Welcome Offer (Terms Apply)

Earn 80,000 Membership Rewards® Points

Est. Value

Up to $1,600

Annual Fee

$695

APR

See Pay Over Time APR Variable

Credit Req’d

Excellent, Good

Rewards: When booking travel directly with American Express, cardholders will earn 5x membership reward points for every dollar spent.

The Platinum Card® from American Express provides a $200 annual hotel credit and a $200 airline fee credit on prepaid bookings through American Express Travel. You’ll also have access to more than 1,400 airport lounges in more than 650 cities. The card also comes with a statement credit of up to $100 every four years as reimbursement for your Global Entry or TSA PreCheck application.

Travel Insurance Benefits:

  • Car rental loss and damage insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
  • Trip delay insurance: If a round-trip is paid for with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
  • Trip cancellation and interruption insurance: If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same Eligible Card. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
  • Baggage insurance plan: Benefits are provided for Replacement Cost of Baggage in the event of Baggage Damage or Baggage Loss while in direct transit to or from a Common Carrier’s terminal to Board or Exit a Common Carrier Vehicle or when Baggage is checked-in with or carried-on the Common Carrier while traveling on a Covered Baggage Trip. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip.  For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.  Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Terms, conditions and limitations apply. For details, see your Guide to Benefits.

1x points
On all other eligible purchases
1x on other purchases
5x points
Airfare
5x points on flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases each calendar year
5x points
Hotels
5x points on prepaid hotels booked on amextravel.com

Pros

  • Welcome offer
  • No foreign transaction fee
  • Excellent annual credits
  • Lounge access
  • Up to 5x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/25/2024
649
Not Provided
---
Approved03/20/2024
800
Not Provided
---
Approved04/28/2023
812
Equifax
---
Approved04/28/2023
820
TransUnion
---
Approved04/28/2023
825
Experian
---
Approved08/16/2023
698
Equifax
$25,000
Approved08/16/2023
709
Experian
$25,000
Approved08/16/2023
728
TransUnion
$25,000
Approved12/11/2023
695
TransUnion
---
Approved12/11/2023
713
Experian
---
Approved12/11/2023
714
Equifax
---
Approved01/04/2023
696
Not Provided
---
Approved06/21/2023
700
Not Provided
---
Approved01/23/2023
675
Not Provided
$6,000
Approved11/01/2023
683
Experian
---
Approved11/01/2023
703
TransUnion
---
Approved11/01/2023
718
Equifax
---
Approved08/17/2023
737
TransUnion
---
Approved08/17/2023
742
Equifax
---
Approved08/17/2023
758
Experian
---
Approved05/29/2024
680
Experian
---

Capital One Venture X Rewards Credit Card

Best for: Everyday purchase rewards.

Capital One Venture X

Our Rating: 4.9

★★★★

Capital One Venture X Rewards Credit Card

Welcome Offer

Earn 75,000 bonus miles

Est. Value

Up to $1,312.50

Annual Fee

$395

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent

Rewards: Earn up to 10 rewards miles per dollar spent on travel booked through Capital One plus an excellent up front welcome offer.

The Capital One Venture X Rewards Credit Card can add three additional cardholders, who will also earn rewards on their purchases. The card also offers a $300 annual travel credit, as well as a statement credit of up to $100 every four years as reimbursement for your Global Entry or TSA PreCheck application, plus airport lounge access.

Travel Insurance Benefits:

  • Auto rental collision damage waiver: Auto Rental Collision Damage Waiver reimburses you for damages caused by theft or collision – up to the Actual Cash Value of rental vehicles with an original manufacturer’s suggested retail price of up to $75,000.00 when new.
  • Trip delay reimbursement: Trip Delay Reimbursement covers up to a maximum of $500 for each purchased ticket, for reasonable additional expenses incurred when a Covered Trip you purchased with your eligible Account and/or rewards program associated with your covered Account is delayed for more than 6 hours or requires an overnight stay.
  • Trip cancellation and interruption insurance: Up to $2,000 per Insured Person for the nonrefundable Common Carrier ticket(s) that You paid for with your covered Account and/or rewards programs associated with Your covered Account.
  • Travel accident insurance: Up to one thousand dollars $1,000 for Accidental Loss of life, limb, sight, speech, or hearing.
  • Travel and emergency assistance services: Travel and Emergency Assistance Services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.
  • Lost luggage reimbursement: You can be reimbursed for the difference between the “value of the amount claimed” and the Common Carrier’s payment up to $3,000 per Covered Trip (for New York residents, coverage is limited to $2,000 per bag), provided the Checked Luggage and/ or Carry-on Baggage and/or its contents was lost due to theft or misdirection by the Common Carrier.

Terms apply. See details in your Guide to Benefits.

2x miles
On all other eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Airfare
5 Miles per dollar on flights booked through Capital One Travel
10x miles
Hotels
10 Miles per dollar on hotels booked through Capital One Travel
10x miles
Rental Cars
10 Miles per dollar on rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 10x miles on purchases

Cons

  • Annual fee
  • Requires excellent credit

United℠ Explorer Card 

Best for: Frequent flyers loyal to United.

United Explorer Card

Our Rating: 4.3

★★★★

United℠ Explorer Card

Welcome Offer

Limited-time offer: Earn 60,000 bonus miles

Est. Value

Up to $840

Annual Fee

$0 intro annual fee for the first year, then $95

APR

21.99% – 28.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 2x miles on United purchases, hotel stays, and dining. 1x miles on other purchases.

The United℠ Explorer Card offers plenty of travel perks. That includes your (and a companion’s) first bag checked free, priority boarding on United-operated flights, and up to $100 every four years as reimbursement for your Global Entry or TSA PreCheck application.

Travel Insurance Benefits:

  • Auto rental collision damage waiver: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
  • Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
  • Lost luggage reimbursement: If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
  • Trip cancellation/interruption insurance: You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
  • Trip delay reimbursement: If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Restrictions, limitations and exclusions apply. See your Guide to Benefits for full details.

1x miles
On all other eligible purchases
1x miles per dollar spent on all other purchases
2x miles
Airfare
2x miles on United purchases, including tickets, Economy Plus, and inflight purchases
2x miles
Hotels
2x miles per dollar spent on hotel accommodations
2x miles
Dining
2x miles per dollar spent on dining, including eligible delivery services

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earn up to 2 miles per $1

Cons

  • Annual fee
  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved04/11/2023
767
Not Provided
$13,700
Approved02/03/2023
819
Experian
$5,000
Approved06/28/2023
735
Experian
$7,200
Approved06/28/2023
745
Equifax
$7,200
Approved06/28/2023
755
TransUnion
$7,200
Denied05/18/2023
770
Not Provided
---

United Club℠ Infinite Card 

Best for: Frequent United flyers looking for more generous rewards.

United Club Infinite Card

Our Rating: 4.0

★★★★☆

United Club℠ Infinite Card

Welcome Offer

Limited-time offer: Earn 90,000 bonus miles

Est. Value

Up to $1,260

Annual Fee

$525

APR

21.99% – 28.99% Variable

Credit Req’d

Excellent

Rewards: Earn 4x miles on United® purchases, 2x miles on dining and other travel and 1x miles on other purchases.

The United Club℠ Infinite Card is a premium credit card for United Airlines, issued by Chase. The card has enhanced rewards and benefits. Not only does it include a bigger welcome offer and higher rewards, but you’ll also get access to United Club lounges; the first two bags checked free for you and a companion, and up to $100 every four years as reimbursement for your Global Entry, TSA PreCheck® or NEXUS application fee charged to your card.

Travel Insurance Benefits:

  • Auto rental collision damage waiver: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
  • Trip cancellation/interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels.
  • Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
  • Lost luggage reimbursement: If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
  • Trip delay reimbursement: If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Restrictions, limitations and exclustions apply. See your Guide to Benefits for full details.

1x miles
On all other eligible purchases
Earn 1 mile per $1 spent on all other purchases.
2x miles
Travel
Earn 2 miles per $1 spent on all other travel.
2x miles
Dining
Earn 2 miles per $1 spent on all other dining.
4x miles
United Purchases
Earn 4 miles per $1 spent on United® purchases.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 4x miles

Cons

  • Annual fee
  • High APR
  • Requires excellent credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/02/2023
741
TransUnion
$14,000
Approved04/02/2023
748
Experian
$14,000
Approved08/02/2023
800
Not Provided
$19,000
Approved06/05/2022
746
Experian
---
Approved06/05/2022
748
TransUnion
---
Approved10/24/2023
800
Not Provided
$8,600
Approved09/03/2023
795
Experian
$22,500
Approved09/03/2023
847
TransUnion
$22,500
Approved06/02/2023
789
TransUnion
$12,000
Approved06/02/2023
791
Experian
$12,000

U.S. Bank Altitude® Reserve Visa Infinite® Card  

Best for: Frequent travelers who aren’t loyal to any specific hotel or airline.

U.S. Bank Altitude Reserve Visa Infinite Card

Our Rating: 4.5

★★★★

U.S. Bank Altitude® Reserve Visa Infinite® Card

Welcome Offer

50,000 bonus points

Est. Value

Up to $750

Annual Fee

$400

APR

22.24% – 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5x points on prepaid hotels and car rentals booked in the Altitude Rewards Center, 3x points on eligible travel purchases and purchases made with a mobile wallet, and 1x points on other purchases.

There are plenty of travel-specific credit cards linked to a specific airline or hotel chain. But the U.S. Bank Altitude® Reserve Visa Infinite® Card isn’t tied to a single provider. You can use it for travel with multiple providers. The card provides airport lounge access at more than 1,300 lounges worldwide, as well as up to $100 every four years as reimbursement for your Global Entry or TSA PreCheck application.

Travel Insurance Benefits:

  • Auto rental collision damage waiver: Receive coverage, at no additional cost, for damage due to collision or theft. Just charge your entire rental transaction to your eligible Visa Infinite card and decline the rental company’s collision damage waiver.
  • Emergency evacuation and transportation: When you use your covered Visa Infinite card to purchase travel tickets, this benefit can transport you to the nearest medical facility for treatment if you are sick or injured ($10,000 maximum).
  • Lost luggage reimbursement: Checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your entire common carrier ticket.
  • Roadside dispatch: Get convenient towing and locksmith referral services in the United States and Canada, available 24 hours a day, 7 days a week. Certain terms and conditions apply.
  • Travel accident insurance: Receive coverage for common carrier accidental death or dismemberment, at no extra cost, when you charge your entire travel fare to your eligible Visa Infinite card.
  • Travel and emergency assistance: Get help coordinating medical, legal, and travel services while you’re away from home. Certain terms and conditions apply.
  • Trip cancellation/trip interruption insurance: When you purchase travel with your Visa Infinite card, you’re covered for your non-refundable fare in case of Trip Interruption or Cancellation.
  • Trip delay reimbursement: With Trip Delay coverage you can receive up to $500 for reasonable expenses you incur when your trip is delayed for more than 6 hours.

Restrictions and limitations apply. See your Guide to Benefits for full details.

1x points
On all other eligible purchases
1x point on all other purchases
3x points
Select Categories
3x points on purchases made with a mobile wallet (Apple Pay, Google Pay, Samsung Pay)
3x points
Travel
3x points on eligible purchases from merchants who classify their business as a travel category (such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies)
5x points
Hotels
5x points on prepaid hotels booked directly in the Altitude Rewards Center
5x points
Rental Cars
5x points on car rentals booked directly in the Altitude Rewards Center

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5x points

Cons

  • Annual fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved08/25/2022
743
TransUnion
$10,000
Approved08/25/2022
753
Experian
$10,000
Approved08/25/2022
799
Equifax
$10,000
Approved10/07/2022
828
TransUnion
$20,000
Approved12/17/2021
715
TransUnion
$10,000
Approved12/17/2021
771
Experian
$10,000
Approved01/30/2023
747
Experian
$15,000
Approved03/13/2019
799
TransUnion
$25,000
Approved01/30/2024
760
Not Provided
$10,000

Delta SkyMiles® Reserve American Express Card 

Best for: Frequent Delta Airlines passengers.

Delta Skymiles Reserve American Express Card

Our Rating: 4.5

★★★★

Delta SkyMiles® Reserve American Express Card

Welcome Offer (Terms Apply)

Earn 95,000 Bonus Miles

Est. Value

Up to $1,187

Annual Fee

$650

APR

20.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: 3x miles on Delta purchases and 1x miles on everything else.

The Delta SkyMiles® Reserve American Express Card is packed with travel benefits. That includes the first bag checked free for up to four people in your travel party, as well as 15% off when you book air travel on the FlyDelta app. You’ll also get up to $100 every four years as reimbursement for your Global Entry or TSA PreCheck application.

Travel Insurance Benefits:

  • Trip delay insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
  • Trip cancellation/interruption insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse the non-refundable travel expenses purchased with the same Eligible Card. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
  • Premium global assist hotline: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
  • Lost baggage insurance: Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
  • Car rental loss and damage insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Terms, conditions and limitations apply. See your Guide to Benefits for full details.

1x miles
All eligible purchases
Earn 1X Mile on all other eligible purchases.
3x miles
Delta Purchases
Earn 3X Miles on Delta purchases.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 3x miles

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved10/06/2022
765
Experian
$15,000
Approved10/06/2022
774
TransUnion
$15,000
Approved10/06/2022
779
Equifax
$15,000

Bank of America® Premium Rewards® Credit Card 

Best for: Travel rewards credit card with a low annual fee.

Bank of America Premium Rewards Card

Our Rating: 4.5

★★★★

Bank of America® Premium Rewards® Credit Card

Welcome Offer

60,000 Points

Est. Value

$600

Annual Fee

$95

APR

21.24% – 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 2x points on travel and dining purchases and 1.5x points on other purchases.

The Bank of America® Premium Rewards® Credit Card is a travel card with generous rewards benefits, a low annual fee, and no tie-in with a major airline or hotel chain. In addition to the rewards listed above, you can also get up to $100 in airline credit annually, as well as up to $100 every four years as reimbursement for your Global Entry or TSA PreCheck application.

Travel Insurance Benefits:

  • Trip delay reimbursement: Provides up to $500 per ticket purchased for you and your eligible family members for reasonable expenses if a covered trip is delayed (due to a covered hazard) for more than 12 hours.
  • Trip cancellation/interruption: Provides up to $2500 for non-refundable passenger fares if your trip is canceled or cut short by sickness or other covered situations.
  • Lost luggage reimbursement: Provides you coverage for luggage and its contents if they are lost or stolen due to theft or misdirection by the common carrier (airline, bus, train, cruise ship).
  • Baggage delay: Provides reimbursement of up to $100 per day (up to five days), when your bags are delayed or misdirected by a common carrier for more than six hours for essential items including clothing. Coverage is secondary to the common carrier.
  • Emergency evacuation and transportation: If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for eligible medical services and transportation.

Restrictions apply. See details in your new account materials.

1.5x points
On all other eligible purchases
1.5 points per $1 spent on all other purchases.
2x points
Travel
2 points per $1 spent on travel purchases.
2x points
Dining
2 points per $1 spent on dining purchases.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Travel credits worth $200

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved01/09/2024
761
Experian
$33,000
Approved02/25/2024
749
Experian
$7,500
Approved08/31/2023
750
Experian
$24,000
Approved10/04/2023
735
Experian
$21,000
Approved10/04/2023
761
TransUnion
$21,000
Approved10/04/2023
769
Equifax
$21,000
Approved09/16/2023
749
Experian
$15,000
Approved03/28/2023
786
Experian
$22,000
Approved10/27/2023
761
TransUnion
$22,000
Approved10/27/2023
768
Experian
$22,000
Approved10/27/2023
777
Equifax
$22,000

World of Hyatt Credit Card 

Best for: Frequent Hyatt Hotel guests.

World of Hyatt Credit Card

Our Rating: 4.5

★★★★

World of Hyatt Credit Card

Welcome Offer

Up to 60,000 Bonus Points

Est. Value

Up to $960

Annual Fee

$95

APR

21.49%–28.49% Variable

Credit Req’d

Rewards: Earn 9x points at Hyatt hotels, 2x points on airfare, dining, local transit, and fitness clubs and gym memberships. 1x points on other purchases.

The World of Hyatt Credit Card provides very generous rewards for stays at Hyatt chain hotels. In addition to the rewards points, you’ll also get one free night each year, and other perks.

Travel Insurance Benefits:

  • Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
  • Lost luggage reimbursement: If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
  • Trip cancellation/interruption insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Auto rental collision damage waiver: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

Restrictions, limitations and exclusions apply. See your Guide to Benefits for details.

1x points
On all other eligible purchases
Earn 1 Bonus Point per $1 spent on all other purchases
2x points
Select Categories
2 Bonus Points per $1 spent on fitness club and gym memberships
2x points
Airfare
2 Bonus Points per $1 spent on airline tickets purchased directly from the airline
2x points
Dining
2 Bonus Points per $1 spent at restaurants
2x points
Transit
2 Bonus Points per $1 spent on local transit and commuting
9x points
Hotels
4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member.

Pros

  • Welcome offer
  • No foreign transaction fee

Cons

  • Annual fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved05/06/2023
663
Experian
$5,000
Approved04/03/2023
755
Experian
$15,400
Approved12/18/2022
763
Equifax
$12,200
Approved12/18/2022
757
TransUnion
$12,200
Approved12/18/2022
764
Experian
$12,200

Marriott Bonvoy Brilliant® American Express® Card

Best for: Frequent Marriott Bonvoy Hotel guests.

Our Rating: 4.4

★★★★

Marriott Bonvoy Brilliant® American Express® Card

Welcome Offer (Terms Apply)

Earn 95,000 Marriott Bonvoy bonus points

Est. Value

Up to $760

Annual Fee

$650

APR

20.99% – 29.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 6x points at participating Marriott hotels, 3x points on flights booked directly with airlines and at restaurants, and 2x points on other eligible purchases.

The Marriott Bonvoy Brilliant® American Express® Card from American Express is an excellent choice for you if you are a frequent guest at Marriott Bonvoy Hotels. The most generous rewards points are for stays and purchases at properties in the chain. In addition to generous rewards points, you’ll also earn a $300 dining statement credit each calendar year, as well as one free night each year. The card also comes with up to $100 every four years as reimbursement for your Global Entry or TSA PreCheck application.

Travel Insurance Benefits:

  • Car rental loss and damage insurance: Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
  • Premium global assist hotline: Premium Global Assist® Hotline can direct you to medical and legal professionals and help with prescription replacement coordination, emergency hotel check-ins and cash wires, missing luggage, and more. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
  • Baggage insurance: Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip.  For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
  • Trip cancellation/interruption insurance: The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
  • Trip delay insurance: Coverage is provided that reimburses an Eligible Traveler for reasonable additional expenses (including but not limited to meals, lodging, toiletries, medication, and other personal use items) incurred for a Covered Trip that is delayed more than six (6) hours, if the Covered Trip delay is caused by a Covered Loss. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Terms, conditions and limitations apply. See your Guide to Benefits for details.

2x points
On all other eligible purchases
Earn 2X points on all other eligible purchases.
3x points
Airfare
Earn 3X points on flights booked directly with airlines.
3x points
Dining
Earn 3X points at restaurants worldwide.
6x points
Hotels
Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 6x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved07/26/2023
819
Experian
$25,000
Approved07/26/2023
831
Equifax
$25,000
Approved07/26/2023
831
TransUnion
$25,000
Approved10/24/2023
740
Not Provided
$35,000

Business Credit Cards with Travel Insurance

Delta SkyMiles® Reserve Business American Express Card

Best for: Business owners who are frequent Delta Airlines flyers.

Delta Skymiles Reserve Business American Express Card

Our Rating: 4.2

★★★★

Delta SkyMiles® Reserve Business American Express Card

Welcome Offer (Terms Apply)

Earn 110,000 Bonus Miles

Est. Value

Up to $1,375

Annual Fee

$650

APR

20.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn up to 3 miles per $1 spent on Delta purchases and 1x miles on other purchases. Earn 1.5x miles after you spend $150,000 on your card in a calendar year.

The Delta SkyMiles® Reserve Business American Express Card is designed specifically for business customers. You’ll save 15% when you book Award Travel on Delta flights through delta.com and the Fly Delta app at any time. Your first bag is checked free, and you’ll also get up to $100 every four years as reimbursement for your Global Entry or TSA PreCheck application.

Travel Insurance Benefits:

  • Trip delay insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
  • Trip cancellation/interruption insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse the non-refundable travel expenses purchased with the same Eligible Card. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
  • Baggage insurance: Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Appy. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
  • Collision rental loss and damage insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Terms, conditions and limitations apply. See Benefit Terms and Conditions for details.

1x miles
On all other eligible purchases
Earn 1X miles on other purchases made using the Delta SkyMiles® Reserve Business Card
1.5x miles
Office Supplies
Earn 1.5X miles on U.S. office supply store purchases
1.5x miles
All eligible purchases
Earn 1.5X miles on all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
1.5x miles
Select Categories
Earn 1.5X miles on eligible U.S. shipping purchases
1.5x miles
Transit
Earn 1.5X miles on eligible transit purchases
3x miles
Delta Purchases
Earn 3x miles on eligible Delta purchases

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 3X miles

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved09/08/2021
750
Experian
$60,000
Approved09/08/2021
750
TransUnion
$60,000
Approved09/08/2021
765
Equifax
$60,000

United℠ Business Card

Best for: Business travelers who frequently fly United Airlines.

United Business Card

Our Rating: 4.7

★★★★

United℠ Business Card

Welcome Offer

Earn 75,000 bonus miles

Est. Value

Up to $1,050

Annual Fee

$0 intro annual fee for the first year, then $99

APR

21.99% – 28.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 2x miles per dollar spent on dining, gas, at supply stores, and on all United purchases.

The United℠ Business Card from Chase is attractive for business owners, because not only do you earn rewards for flying on United, but also 2X points on gas stations and office supply stores – both of which can be major vendors for small businesses. You can also get employee cards at no additional cost, earning you more rewards as they use their cards. Meanwhile, the first bag is checked free for you and one companion, and you’ll enjoy priority boarding.

Travel Insurance Benefits:

  • Auto rental collision damage waiver: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
  • Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
  • Lost luggage reimbursement: If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
  • Trip cancellation/interruption insurance: You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
  • Trip delay reimbursement: If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Restrictions, limitations and exclusions apply. See your Guide to Benefits for details.

1x miles
On all other eligible purchases
Earn 1 mile per $1 spent on all other purchases.
2x miles
Office Supplies
Earn 2 miles per $1 spent at office supply stores.
2x miles
United Purchases
Earn 2 miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges.
2x miles
Dining
Earn 2 miles per $1 spent on dining, including eligible delivery services.
2x miles
Gas
Earn 2 miles per $1 spent at gas stations.
2x miles
Transit
Earn 2 miles per $1 spent on local transit and commuting.

Pros

  • Welcome offer
  • No foreign transaction fee

Cons

  • Annual fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/01/2023
742
Experian
---
Denied03/23/2022
784
Experian
---

Ink Business Preferred® Credit Card 

Best for: Business owners looking for maximum rewards and sign-up bonuses.

Chase Ink Business Preferred

Our Rating: 4.7

★★★★

Ink Business Preferred® Credit Card

Welcome Offer

Earn 120,000 bonus points

Est. Value

Up to $1,500

Annual Fee

$95

APR

21.24%-26.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn up to 3 points per $1 spent on several business categories, on the first $150,000 spent annually, then 1 point. Get a 25% bonus when points are redeemed for travel through Chase Travel(SM).

The Ink Business Preferred® Credit Card provides a higher level of rewards than just about any other business card offered. Though each bonus point is worth $0.01, the value increases to $0.0125 when redeemed through Chase Travel(SM). That can get you thousands of dollars in rewards each year. You can also have employee cards at no additional cost, earn rewards on their purchases, and set spending limits for each.

Travel Insurance Benefits:

  • Trip cancellation/interruption insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Roadside dispatch: If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need – anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
  • Auto rental collision damage waiver: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Restrictions, limitations and exclusions apply. See your Guide to Benefits for details.

1x points
On all other eligible purchases
Earn 1 point per $1 on all other purchases
3x points
All eligible purchases
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earns Chase Ultimate Rewards points
  • Earn up to 3x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved09/04/2023
760
Not Provided
---
Approved09/26/2023
746
Experian
$5,500
Approved09/26/2023
764
TransUnion
$5,500
Approved09/26/2023
798
Equifax
$5,500
Approved12/27/2023
710
Not Provided
$14,500
Approved07/03/2023
755
Experian
$14,500
Approved09/21/2023
816
Not Provided
---
Approved01/06/2024
825
Experian
$10,000
Approved01/06/2024
845
Equifax
$10,000
Approved01/06/2024
845
TransUnion
$10,000
Approved10/31/2023
788
Experian
$63,000
Approved10/31/2023
804
TransUnion
$63,000

The Business Platinum Card® from American Express

Best for: Small business owners who want to earn generous travel rewards without being locked into a single airline or hotel chain.

Amex Business Platinum Card

Our Rating: 4.5

★★★★

The Business Platinum Card® from American Express

Welcome Offer (Terms Apply)

Earn 150,000 Membership Rewards® points

Est. Value

Up to $3,000

Annual Fee

$695

APR

19.49% – 28.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x points on flights and hotels booked on AmexTravel.com and 1x points on other eligible purchases. Earn 1.5x points on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

In addition to generous rewards, The Business Platinum Card® from American Express offers a cornucopia of travel-related credits. The card comes with no preset spending limits, employee cards – to earn you even more rewards – and the ability to connect to QuickBooks.

Travel Insurance Benefits:

  • Trip delay insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
  • Trip cancellation/interruption insurance: The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
  • Car rental loss and damage insurance: Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
  • Baggage insurance: Benefits are provided for Replacement Cost of Baggage in the event of Baggage Damage or Baggage Loss while in direct transit to or from a Common Carrier’s terminal to Board or Exit a Common Carrier Vehicle or when Baggage is checked-in with or carried-on the Common Carrier while traveling on a Covered Baggage Trip. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
  • Global assist hotline: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Terms, conditions and limitations apply. See Benefit Terms and Conditions for details.

1x points
On all other eligible purchases
Earn 1X points for each dollar you spend on eligible purchases.
1.5x points
Select Categories
Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at U.S. construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
5x points
Airfare
5X Membership Rewards® points on flights on AmexTravel.com.
5x points
Hotels
5X Membership Rewards® points on prepaid hotels on amextravel.com.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved02/11/2023
720
Not Provided
---
Approved08/29/2023
767
Experian
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Approved08/03/2023
690
Not Provided
$50,000
Approved03/24/2023
788
Not Provided
$2,000
Denied12/11/2023
753
Experian
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How Does Credit Card Travel Insurance Work?

Travel insurance provided by credit cards is usually simple and user-friendly. You use your credit card to pay for the trip, and the insurance coverage is automatic.

But there can be complications. For example, while one airline may provide insurance coverage simply for charging airfare on your credit card, others may require purchasing your hotel and other travel expenses as well. Be on the safe side and chat with your credit card company before any trip. Not only do insurance provisions vary from one company to the next, but they can also change with the same company from time to time.

Are family members traveling with you also covered? The answer to this question is generally yes, but you’ll need to verify that with your credit card company. Some companies may limit coverage to a main traveler and a companion, while others will extend coverage to family members.

How do you file a claim? What do you need to file a claim? This varies by credit card company and their insurance providers.

But as a matter of general procedure, follow these steps:

  • Contact the credit card company just before your trip, to verify coverage and any specific requirements and limitations.
  • Make sure spending on your trip is within the limits of your insurance coverage. Renting a $100,000 luxury sports car probably won’t be covered in an auto rental collision damage waiver.
  • Save all receipts from your trip. The insurance carrier will likely require you to submit them as evidence for reimbursement.
  • Initiate a claim as soon as possible. Not only will there be a time limit on claims, but the sooner you file the more quickly your claim will be processed.

If you have any doubts about the process, be sure to contact your credit card carrier before booking your trip.

Is Credit Card Travel Insurance Enough or Should You Purchase Additional Insurance?

Credit card travel insurance is generally sufficient to cover normal travel under ordinary circumstances. But if your trip involves anything that might be extraordinary, purchasing additional coverage is well-advised.

For example, trip cancellation insurance may be limited to no more than four members of your party. But if there are six people in your party, you may need additional coverage. The policy may also be limited to a specific family composition, such as two adults and two children. If your party is four adults, it’s possible only two will be covered.

Another example is the auto rental collision damage waiver. There may be specific types of vehicles excluded under the policy. That can include vehicles valued above a certain dollar threshold, or certain types of vehicles, like off-road vehicles or sports cars. If the car you’re renting exceeds the coverage limits, you’ll need to purchase additional coverage.

Be sure to read the fine print in your credit card agreement when you first sign up for a card. But it’s also worth reviewing before any trip where insurance coverage offered may be needed.

FAQs

Are you still covered if you book your trip with credit card points?

Generally, yes. But if you’re using points to pay for much or all of a trip, be sure to contact the credit card company to see if there are any limitations on insurance coverage when redeeming rewards.

Is credit card travel insurance worth it?

Absolutely! It’s a benefit provided by the credit card issuer that doesn’t require any additional fees. And though it may not offer benefits under all circumstances, you will be covered in ordinary situations.

What is not covered by credit card travel insurance?

In short, any situation that is not specifically included in a travel insurance policy, or that exceeds the specified limits of the coverage.

One common exclusion many travelers are not aware of is medical insurance for foreign travel. Most US-based health insurance companies won’t cover treatment outside the US. You’ll need to have a separate policy to cover health emergencies in a foreign country. Those will typically need to be purchased through a third party, like Allianz or Travelex.

Summary

Travel insurance is an excellent benefit to have with credit cards. But be sure you understand the limits of each type of coverage. If your situation falls outside the definition of covered events, you may not qualify for benefits and need additional coverage.

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