visa travel credit card travel insurance

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

10 Credit Cards That Provide Travel Insurance

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Travel insurance helps you get your money back when things go wrong with your trip. And it remains a debate: Do you really need it, and is it worth it?

Personally, I’ve often skipped travel insurance, preferring to put the extra money toward my trip. Yet as I pulled into the airport after a winter ski trip to Jackson Hole, Wyoming, in my SUV rental, a snowplow kicked up a rock and a crack extended across the windshield. And just like that, I got in the dreaded rental car accident .

Thankfully, I had rented my car with my Delta SkyMiles® Gold American Express Card , which covered rental car windshield reimbursement. Note that I had also specifically opted out of the car rental's insurance coverage offered at the counter, which is a requirement in order to allow my credit card coverage to kick in. Terms apply.

» Learn more: The best travel credit cards right now

A number of credit cards provide various types of travel insurance (including trip cancellation, trip interruption and car rental loss and damage insurance) when you use your card to pay for flights, rental cars and other travel expenses. So do you need additional travel insurance? Maybe not.

What does your travel insurance cover?

First, let’s look at the different types of coverage that your credit card may offer to help protect your trip, from your bags to your rental car to your health.

Baggage delay . If your luggage doesn’t arrive when you do, you may receive a reimbursement to offset the costs of having to purchase new attire and other items you may need. The length of delay required and the coverage offered varies by card.

Lost/damaged baggage . If your bags are lost or damaged by a carrier, or items have been stolen from your baggage, your provider may provide monetary compensation.

Trip delay . If your trip on a common carrier is delayed, you may receive monetary compensation to help cover meals, hotels, transportation and necessary purchases up to a certain amount per ticket.

Trip cancellation . If you need to cancel a prepaid, nonrefundable trip, you may receive compensation to offset the lost funds. This benefit generally applies to cancellations for covered reasons, which vary by card.

Trip interruption . If you miss a portion of your trip due to a covered reason, this benefit will reimburse you for any unused, prepaid, nonrefundable reservations (i.e., excursions, hotel nights).

Medical treatment . If you are hurt while traveling and require medical treatment, medical expenses may be covered up to a certain dollar amount.

Medical evacuation . If your illness or injury requires you to return home immediately for care, the insurance coverage through your card may cover the costs.

Travel accident insurance. In the case of accidental death or dismemberment, your credit card may provide coverage to you or to your beneficiary

Rental car insurance. This coverage provides protection to your rental car against theft and damage. Coverage may be primary or secondary to your personal auto insurance, depending on the card.

» Learn more: Should you insure your cruise?

Popular credit cards with travel insurance

Some of the best travel rewards cards include various forms of travel insurance. These are a few of our favorite cards that offer certain types of coverage. If you have a different travel rewards card, it’s a good idea to check the benefits of your card before assuming that it either does or doesn’t have any of the coverage listed here.

1. Chase Sapphire Reserve®

Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

Trip delay: Up to $500 per ticket for delays more than six hours.

Baggage delay: Up to $100 per day for five days.

Lost luggage: Up to $3,000 per passenger.

Travel accident: Up to $1,000,000.

Rental car insurance: Up to $75,000.

2. Chase Sapphire Preferred® Card

Trip delay: Up to $500 per ticket for delays more than 12 hours.

Travel accident: Up to $500,000.

Rental car insurance: Up to the actual cash value of the car.

3. Marriott Bonvoy Brilliant® American Express® Card

Lost luggage: Up to $2,000 for checked bag and up to $3,000 for checked and carry-on bag. New York state residents get $2,000 per bag, up to a maximum of $10,000 for all covered persons per trip.

Travel accident insurance. Up to $500,000.

Trip delay insurance: Up to $500 per trip. Maximum benefit of $1,000 per 12-month period.

Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

4. Marriott Bonvoy Boundless® Credit Card

Baggage delay: Up to $100 per day for five days for essential purchases like toiletries and clothing for delays of over six hours.

Lost luggage: Up to $3,000 per passenger for checked or carry on luggage.

Damaged luggage: Up to $3,000 per passenger for checked or carry on luggage.

5. Southwest Rapid Rewards® Plus Credit Card

Baggage delay: Up to $100 per day for three days.

Travel accident insurance: Up to $250,000 to $500,000 (Visa Platinum and Visa Signature, respectively).

Rental car insurance: Up to actual cash value of vehicle.

Travel and emergency assistance services: Assistance and referral via the Benefit Administrator, cardholder is responsible for all costs.

6. United℠ Explorer Card

Trip cancellation: Up to $1,500 per person and $6,000 per trip.

Trip interruption: Up to $1,500 per person and $6,000 per trip.

Rental car insurance: Covers damage or theft with restrictions.

7. Delta SkyMiles® Gold American Express Card

Lost carry on luggage: Up to $1,250 per person for carry on baggage while in direct transit to or from a common carrier terminal, while traveling on a common carrier or while at a common carrier terminal.

Lost checked luggage: Up to $500 per person while traveling on a common carrier.

Rental car insurance: Up to $50,000.

Terms apply.

8. The Platinum Card® from American Express

Trip delay: Up to $500 per trip for delays more than 6 hours.

9. Capital One Venture Rewards Credit Card

Lost luggage: Up to $3,000 per passenger. For New York state residents, coverage is limited to $2,000 per bag.

Travel accident insurance: Up to $250,000.

Rental car insurance: Covers damage or theft with restrictions. Eligible rental periods are limited to 15 consecutive days in the cardholders home country or 32 consecutive days outside it.

10. Hilton Honors American Express Aspire Card

Baggage delay: Up to $100 per carrier for three days.

Do I need additional travel insurance?

Even with the coverage listed above, some credit cards offering travel insurance benefits may not provide enough insurance for your needs. For example, if you have paid $10,000 for a vacation using your card and trip cancellation is not offered, you may want to purchase additional coverage. Likewise, if you book a very expensive trip but your card only covers $10,000 in trip cancellation coverage, you may want to consider additional coverage.

American Express offers full travel insurance options through AmEx Assurance . This specific benefit is available to all travelers and does not require an American Express card. You can pick and choose the coverage you want, and a quote will be processed based on your age, trip expense and days traveling.

For example, here's what we found when requesting insurance for a two-day trip that costs $1,000. You can decide what coverage you'd like and see the full cost of your options:

The quote we received covered 100% reimbursement for cancellation, then offered different levels for other types of coverage.

Medical protection was available for $25,000 to $100,000.

Travel accident protection was available for $250,000 to $1,500,000.

Baggage protection was available for up to $500 to $2,500.

Trip delay coverage was offered for $150 to $1,000 per day, depending on selecting basic, silver, gold or premium options.

When renting a car, be sure to check the specific requirements of your credit card, which may vary by location and type of vehicle.

So do you need travel insurance? A good rule of thumb is if the amount you could lose is more than you want to lose (or can afford to lose) if something goes wrong, get the insurance. For a list of travel insurance companies that provide online quotes, read more about how to find the best travel insurance .

» Learn more: Does trip insurance cover award flights?

Cards with travel insurance, recapped

If you are concerned about an upcoming trip and want to be fully protected, combine your travel credit card insurance with a build-your-own plan to cover what your credit card does not.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Gide to Benefits for details, as terms and exclusions apply.

Insurance Benefit: Car Rental Loss & Damage Insurance

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.

Insurance Benefit: Baggage Insurance Plan

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.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Trip Delay Insurance

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.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and 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.

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.

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.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Wells Fargo Autograph Journey℠ Card

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

8 best credit cards with travel insurance of August 2024

Many things can go wrong on a trip, so having one of the best credit cards with travel insurance in your wallet can provide peace of mind. Protection against unforeseen trip delays and mishandled baggage can save you money when your travels don’t go as expected.

Many credit cards include travel insurance coverage when you use them to purchase your trip. But our expert team has chosen the best credit cards with travel insurance to help ensure that your trips are as secure as they are captivating.

Browse by card categories

Comparing the best travel insurance credit cards, more details on the best travel insurance credit cards, maximizing credit cards with travel insurance.

• Chase Sapphire Preferred® Card : Best for a lower annual fee
• United Club℠ Infinite Card : Best for United loyalists
• Ink Business Preferred® Credit Card : Best for bonus earning
• The Business Platinum Card® from American Express : Best for frequent business travelers
• The Platinum Card® from American Express : Best for luxury benefits
• Delta SkyMiles® Reserve American Express Card : Best for Delta loyalists
• Chase Sapphire Reserve® : Best for premium travel value
• Capital One Venture X Rewards Credit Card : Best for premium perks while traveling
• Bank of America® Premium Rewards® credit card : Best for Bank of America Preferred Rewards members

Chase Sapphire Preferred® Card

Year after year, the Chase Sapphire Preferred wins at the TPG Awards for Best Travel Rewards Card. In exchange for a $95 annual fee, you’ll gain access to the incredible Ultimate Rewards program — unleashing tons of potential value for award travel. Read our full review of the Chase Sapphire Preferred Card .

• Earn multiple points per dollar on things like travel and dining
• The current welcome bonus on this card is quite generous
• Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
• The card comes with a $95 annual fee
• 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℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

United Club℠ Infinite Card

The United Club Infinite Card comes with the most perks and highest earning rates of any of United’s personal credit cards. Read our full review of the United Club Infinite Card .

• Earn 4x miles on United purchases; 2x miles on travel and dining; 1x on everything else
• United Club℠ membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
• Up to $100 statement credit for Global Entry/TSA Precheck application every four years
• Free first and second checked bags for you and one travel companion on the same reservation
• 25% inflight statement credit on eligible purchases
• High $525 annual fee
• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)

Ink Business Preferred® Credit Card

This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with its best-ever offer — 120,000 bonus points after $8,000 worth of spend in the first three months after card opening. Read our review of the Ink Business Preferred Credit Card .

• Best-ever offer — 120,000 bonus points after $8,000 worth of spend in the first three months after card opening
• Bonus categories that are most relevant to business owners for a reasonable $95 annual fee
• Access to the Chase Ultimate Rewards portal for points redemption
• Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
• Additional perks including extended warranty, cellphone protection and purchase protection
• High spending needed to get 120,000-point sign-up bonus
• Subject to Chase's 5/24 rule on card applications
• Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

The Business Platinum Card® from American Express

Business Platinum is a multifaceted Card that offers more than just business luxury travel perks. Unlock over $1,400 per year in value with the Business Platinum Card® for statement credits on select purchases, including tech, recruiting, travel and more. Enrollment required. Terms apply. Read our full review on The Business Platinum Card from American Express .

• Up to $100 statement credit for Global Entry every 4 years or $85 TSA PreCheck credit every 4.5 years (enrollment is required)
• Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
• Gold status at Marriott and Hilton hotels (enrollment required)
• Access to the Fine Hotels & Resorts program and Hotel Collection
• International Airline Program and Cruise Privileges Program
• Steep annual fee
• Difficulty meeting high spending requirement for the welcome offer for smaller businesses
• Limited high-bonus categories outside of travel
• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

The Platinum Card® from American Express

The Amex Platinum card is not just a symbol of luxury. It comes with an immense number of travel, entertainment, wellness and retail benefits making it a versatile card option that boasts more than $1,400 in potential value. Read our full review of The Platinum Card from American Express .

• The current welcome offer on this card is quite lucrative
• This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, at least $500 in assorted annual statement credits and so much more
• The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway
• The high annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
• Outside of the current welcome bonus, you’re only earning higher rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
• The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.¤
• See Rates & Fees

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles Reserve Amex is an excellent choice for flyers who want Sky Club access while traveling, or who can spend their way for a boost toward elite status. Read our full review of the Delta SkyMiles Reserve American Express Card .

• Delta SkyClub access when flying Delta
• Annual companion ticket for travel on Delta
• Ability to earn MQDs through spending
• High annual fee
• Other Delta cobranded cards offer superior earning categories
• Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
• Enjoy complimentary access to the Delta Sky Club. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
• Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
• Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
• Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
• Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
• $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
• Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
• Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees.
• $650 Annual Fee.

Chase Sapphire Reserve®

The Chase Sapphire Reserve is a no-brainer card for those who are looking to up their reward earnings to the highest level. Chase Ultimate Rewards are one of the most valuable points currencies. Read our full review of the Chase Sapphire Reserve .

• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
• Access to Chase Travel hotel and airline travel partners
• Unlimited 3x points on the broad category of travel and dining
• 50% more value when you redeem your points for travel through Chase Travel℠
• Broad definitions for travel and dining bonus categories
• May not make sense for people that don't travel frequently
• You must spend the $300 travel credit before earning 3x points for travel and dining
• No automatic hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Capital One Venture X Rewards Credit Card

The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card .

• Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months
• $300 in annual credits toward bookings make through Capital One Travel
• 10,000 bonus miles (worth $100 toward travel) each account anniversary
• The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that
• If you don’t travel frequently, this might not be the best card for you
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards card allows cardmembers to earn 2 points per dollar on travel and dining expenses, but Bank of America Preferred Rewards® members will earn at a higher rate of up to 3.5 points per dollar spent. Read our full review of the Bank of America Premium Rewards credit card .

• This card is more valuable for Bank of America Preferred Rewards® members, who can get between a 25% and 75% bonus on points earned
• Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA PreCheck® statement credit and travel protections
• Can transfer points earned into a 529 college fund
• Other cards offer higher points for key bonus categories
• Must open a Bank of America account to get the best value for points
• Low $95 annual fee.
• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The Chase Sapphire Preferred Card is my favorite consumer credit card with travel insurance because you’ll earn at least 2 points per dollar on travel purchases. You’ll get access to trip delay reimbursement, baggage delay insurance and lost luggage reimbursement when you use your card to pay for flights and some other types of scheduled transport that require a ticket. You’ll also get primary rental car insurance when you pay for a rental car with your card. 

The Chase Sapphire Preferred Card is a good choice for most travelers who don’t want to pay a massive annual fee. Between bonus earning on dining, travel, online grocery purchases and streaming, plus benefits like an Chase Travel hotel credit each account anniversary year, the Chase Sapphire Preferred can be useful for occasional and frequent travelers.

"The Chase Sapphire Preferred has been in my wallet for 5+ years and is the go-to mid-level rewards credit card that I recommend to people. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. The strong earn rate on dining and travel as well as streaming services makes it a good choice for a millennial like me." - Matt Moffitt , managing editor

Consider the Chase Sapphire Reserve® , which offers more perks and slightly more comprehensive travel insurance in exchange for a higher annual fee.

The United Club Infinite Card offers perks with United, the ability to earn United miles on purchases and travel insurance comparable to the Chase Sapphire Preferred. This means you’ll get useful protections like trip delay reimbursement, baggage delay insurance and primary rental car insurance.

If you can benefit from travel perks with United, including a United Club membership and free first- and second-checked bags for you and a companion on United flights, the United Club Infinite Card is likely a good option. You’ll also get Avis President's Club status and IHG One Rewards Platinum Elite status with your card, making it a good choice for travelers who use these programs.

If you’re considering buying a United Club membership, you’ll likely come out ahead with the United Club Infinite Card. You’ll get some nice perks with United, as the card offers perks for United loyalists as well as those who don’t travel with United frequently enough to earn elite status with the airline.

If the United Club Infinite’s annual fee is too high for you, consider the lower-annual-fee United℠ Explorer Card .

The Ink Business Preferred is a go-to travel credit card due to its bonus earnings on travel and its built-in travel insurance. It earns valuable Chase Ultimate Rewards points and provides travel insurance that’s comparable to what is offered by the Chase Sapphire Preferred® Card.

You should get the Ink Business Preferred if you’re eligible for a small-business credit card and want to earn bonus points on shipping purchases, advertising purchases made with social media sites and search engines, internet, cable and phone services and travel each account anniversary year. Getting such a good earning rate with a card with a sub-$100 annual fee is amazing.

"I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I've found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance." - Katie Genter , senior writer

If you are looking for a consumer card offering similar travel insurance and a slightly lower earning rate on most travel purchases, the Chase Sapphire Preferred® Card is a good option.

The Amex Business Platinum Card offers many of the same travel insurance benefits as the consumer-focused Amex Platinum but with different perks for the business owner. For example, Business Platinum cardholders can get up to $200 in Dell Technologies statement credits semi-annually and up to $10 in statement credits per month for eligible purchases made directly with a wireless provider in the U.S.

If you have a small business and can use many of the benefits offered by the Amex Business Platinum card, it could be a good fit. You’ll earn bonus Membership Rewards points per dollar on flights and prepaid hotels booked on AmexTravel.com, so the Amex Business Platinum is a good option if you want to book most of your flights and hotels through Amex Travel.

“I find that the annual perks and credits vastly outweigh the large annual fee. And that's even without using some of them. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear, our cellphone plan and restocking my home printer with ink and paper from Dell, I get more value out of the card than it costs to keep it. Plus, it earns my favorite points — American Express Membership Rewards — earning 5 points per dollar on flights and hotels booked with Amex Travel.” - Ryan Smith , former credit cards writer

If you want to earn bonus points on a wider variety of travel purchases with a lower annual fee, consider adding the Ink Business Preferred® Credit Card to your wallet.

The Amex Platinum Card offers one of the highest bonus rates on flights booked directly with airlines or through American Express Travel , making it a compelling card to use when booking flights. Plus, you’ll get trip delay insurance and a baggage insurance plan when you use your card to book eligible round-trip travel.

You should consider the Amex Platinum If you’ll use the many benefits it offers, from Centurion Lounge access to a monthly digital entertainment credit . However, be sure to calculate the value you’ll obtain from the Amex Platinum’s perks and read the fine print on its travel insurance before deciding whether it is right for you.

“Whilst this card has a high annual fee, it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights — whether bought with cash or points — on this card to earn 5 points per dollar spent and trip protection insurance. I make sure to take full advantage of the Uber, Saks Fifth Avenue, Hulu/Disney+ and Clear statement credits. And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” - Matt Moffitt , managing editor 

Consider the Capital One Venture X Rewards Credit Card if you prefer a card that earns at least 2 miles per dollar spent on all purchases, offers access to Capital One lounges and still provides competitive travel insurance.

The Delta Reserve Amex offers many of the same travel insurance perks as other premium Amex cards, like the Amex Platinum. But we love the Delta Reserve for its Delta Sky Club access , 15% off Delta-operated award flights and 20% back on inflight purchases on Delta-operated flights.

Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

If you are a Delta loyalist who wants to earn Delta miles on your credit card purchases and will benefit from Delta-related benefits, the Delta Reserve Amex may be a good fit. However, bonus earning is limited to Delta purchases, so you may want to use a different card for many of your travel expenses.

"As a Delta Diamond Medallion, I spend a lot of time on Delta jets. The card's annual companion ticket is valid on first class itineraries and has helped me offset the card's annual fee multiple years in a row." - Andrew Kunesh , former senior points and miles editor

If you want to earn more on flights, consider The Platinum Card® from American Express to earn bonus points per dollar on flights booked directly with airlines or through American Express Travel. After all, you can transfer Amex points to Delta.

The Chase Sapphire Reserve offers at least 3 points per dollar on travel purchases, an annual $300 travel credit and what is likely the most comprehensive credit card travel insurance available. On top of what is offered by many other cards in this guide, the Chase Sapphire Reserve offers travel accident insurance, emergency evacuation and transportation and an emergency medical and dental benefit.

The Chase Sapphire Reserve lets you redeem points for travel through the Chase Travel portal at a rate of 1.5 cents each, making it a good option if you prefer to redeem your Ultimate Rewards this way. It’s also a valuable option if you spend a lot of money on dining and general travel purchases, as both purchase categories earn 3 points per dollar spent.

"I've had the Sapphire Reserve for years, and it's going to stay in my wallet for the near future. I get $300 off travel every year along with great earning rates on travel and dining (3 points per dollar) and varied travel protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I'm able to maximize the earnings across all of my purchases." - Nick Ewen , senior editorial director

If the Chase Sapphire Reserve’s annual fee is too high, consider its sibling with a lower annual fee, the Chase Sapphire Preferred® Card .

The Capital One Venture X offers 10 miles per dollar on hotels and rental cars booked through Capital One Travel , 5 miles per dollar on flights and vacation rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Plus, cardholders get access to car rental insurance, trip delay reimbursement, baggage delay reimbursement and more when using their Venture X card for eligible purchases.

If you can benefit from earning at least 2 miles per dollar on all purchases, the Capital One Venture X is a good option. The card offers two perks — a $300 annual credit for Capital One Travel bookings and 10,000 bonus miles each year (starting on your first anniversary) — that fully offset the annual fee before you even consider the card’s other benefits.

"With an annual fee that is $300 less than the Amex Platinum, the Capital One Venture X card is my favorite travel credit card. The card comes with an annual $300 Capital One Travel Portal credit, which I use to book flights. That effectively brings the annual fee down to $95 per year. Cardholders enjoy a Priority Pass Select membership and Hertz President's Circle status. I use my Venture X card to earn 2 miles per dollar in spend categories where most cards would only accrue 1 mile (e.g. auto maintenance, pharmacies, medical bills)." - Kyle Olsen , former points and miles reporter

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

If you want to pay a lower annual fee in exchange for fewer benefits, you can still earn at least 2 miles per dollar spent on all purchases with the Capital One Venture Rewards Credit Card .

The Bank of America Premium Rewards credit card offers travel insurance protections to its cardholders if they experience trip delays, baggage delays, lost luggage and more. Plus, cardholders can claim up to $100 in airline incidental statement credits annually for qualifying purchases, which is more than enough to offset the card’s $95 annual fee.

This card offers 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases. But, if you are a Bank of America Preferred Rewards® member, you’ll get 25% to 75% bonus rewards on every purchase. So, this card is a particularly good option for Preferred Rewards members.

If you are a Bank of America Preferred Rewards member, you should seriously consider adding this card to your wallet. Other travelers should also consider this card, as it offers competitive travel insurance protections and earning rates given its sub-$100 annual fee that can be fully offset by the card’s annual airline incidental statement credits.

The Chase Sapphire Preferred® Card is a good option since it carries a similar annual fee and offers 2 points per dollar spent on general travel purchases.

Weigh the earning rate against the protections

When you look at the cards in your wallet, you may see a card that earns well on flights or car rentals. But, you may have another card that earns fewer rewards on these purchases but offers better travel insurance. So, you have to weigh the value of the travel insurance — which you likely won’t need — versus the incremental value of the rewards you could earn.

When paying the taxes and fees on award flights, I often use a lower-earning card with excellent trip and baggage delay protections. After all, taxes and fees are usually minimal, so missing out on a higher earning rate isn’t a concern. But if I’m booking an expensive flight, I’ll sometimes use a card with a higher earning rate and fewer protections to earn more rewards.

Know the coverage details

Before deciding that a specific travel insurance card is best for you, take some time to learn about the details of the card’s travel insurance benefits. For example, what travel companions, if any, are covered? Is round-trip travel required? What types of expenses can be reimbursed for a trip or baggage delay? What types of documents are needed for a claim?

Check out the application page and our review to learn about a card’s travel insurance protections. But you may also need to find a recent guide to benefits for the card online to get the full coverage details.

Consider the other benefits

Many cards discussed in this guide have benefits besides travel insurance. Multiple cards offer statement credits, airport lounge access and program-specific perks. So, especially if you aren’t interested in getting a card just for its travel insurance, you’ll want to consider what other perks you could use.

For example, United loyalists may benefit from the United Club℠ Infinite Card , while Delta flyers might enjoy the Delta SkyMiles® Reserve American Express Card . And Bank of America Preferred Rewards members might find the Bank of America® Premium Rewards® credit card most rewarding.

For Capital One products listed on this page, some of the above benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How we rate

What is travel insurance.

Travel insurance is a type of insurance that may cover unexpected losses you might incur while traveling. You can purchase many types of travel insurance policies , but some travel rewards cards include travel insurance when you purchase eligible travel with your card

How to claim travel insurance from a credit card

Claiming travel insurance, whether from a credit card or a private plan, usually requires filling out some forms. But before you start, double-check your guide to benefits and call the number listed in the benefits guide. By doing so, you can ensure your claim is valid and determine what documents the insurance company will need to process your claim.

Related: Readers say this credit card insurance provider isn't reliable: Here's what you need to know

Types of credit card travel insurance

Here’s a look at some of the most common types of credit card travel insurance that might be available when you use your card to purchase travel. However, check your card’s guide to benefits to see what types of insurance are available and the specifics.

Trip cancellation protection may reimburse you for prepaid, nonrefundable expenses charged to your card if you must cancel your trip before departure due to a covered reason. Covered reasons often include illness, injury or death of you, your travel companion, or select family members. In some cases, trip cancellation may also help if your destination is affected by a natural disaster or other serious incidents.

Trip interruption protection is similar to trip cancellation, except that it may cover you during your trip. Sometimes, trip interruption protection may reimburse costs to rejoin your trip or return a rental car if you must abandon it.

Trip delay coverage may reimburse you if you are delayed by a passenger carrier (such as an airline or train company) for at least a set amount of time due to a covered reason. Usually, the delay must be outside your control. And in most cases, coverage is only provided for expenses incurred while you wait out the delay.

Travel accident insurance may offer you (or your survivors) payment in the case of accidental loss of life, limbs, sight, speech or hearing during travel. You’ll often need to be traveling on a passenger carrier during the accident for this type of insurance to go into effect.

Credit card rental car insurance usually covers damage to or theft of your car and, in some cases, may cover loss-of-use fees charged by the rental card company.

Many cards discussed in this guide offer primary rental car insurance, meaning you don’t need to file with your personal auto insurance first. But some cards offer secondary rental car insurance, in which case you must file with your personal auto insurance first.

Emergency evacuation insurance may help get you to the nearest medical facility if you are in a remote location and need to be medically evacuated. This perk is only offered by a few credit cards, and you usually must contact the credit card’s benefits administrator if evacuation is needed and have them arrange it for you.

Lost luggage protection may reimburse you if your carry-on or checked luggage is lost, stolen or damaged while you are a passenger. Meanwhile, delayed luggage protection usually kicks in six to 12 hours after an airline mishandles your luggage. It may reimburse your purchase of essential items you need while waiting for your luggage to arrive. For both types of protection, you’ll usually need to claim with the airline first.

Finally, some credit cards offer roadside assistance as a cardholder perk. If you need roadside assistance, you can call the number on the back of some cards, and they’ll send out someone to help.

Services often include jump starts, tire changing, fuel delivery, towing and locksmith services. Some cards will cover roadside assistance charges up to a certain amount, while others offer services at a pre-negotiated set rate.

How to choose a credit card with travel insurance

• 1 Sign-up bonus Select a credit card with travel insurance that has a solid sign-up bonus with an achievable spend threshold. You can use this reward for future travel plans or to pay down a balance if you're earning cash back. Seek to earn the currency that's most valuable to you, be it points, miles or cash back.
• 2 Annual fee Credit cards with travel insurance come with varying annual fee prices. Some are higher for more premium benefits, while others are lower with less perks. We included a range of annual fee rates for every traveler to consider.
• 3 Bonus categories Many travel insurance credit cards feature bonus categories. We selected cards with a range of bonus category earnings to fit each consumer. Select a card that matches with your regular spending habits to maximize your expenses.

Ask our experts

What's your favorite travel insurance card — and why.

Pros + cons of travel insurance credit cards

• Travel insurance cards are good to have for protections while you're traveling
• Using a credit card with travel insurance responsibly can help you build your credit score
• Many cards with travel insurance come with other perks, such as elevated earning rates
• Credit cards can encourage overspending
• Carrying a balance on your card with travel insurance can damage your credit score
• The cost of borrowing on credit cards is higher than traditional loans

Frequently asked questions

Many travel rewards cards offer travel insurance. We’ve discussed some of our favorites that offer the most comprehensive travel insurance in this guide. But many other cards also offer travel insurance — these cards may have lower benefit maximums, fewer types of coverage, and more exclusions.

The best way to determine if your credit card has travel insurance is to study the guide to benefits that came in the mail when you received your card. You can also usually find the guide to benefits or detailed information about your benefits in your online credit card account. However, you can also call the number on the back of your card and inquire about what travel insurance, if any, your card offers.

Many travelers wonder if more than credit card travel insurance is required. In particular, you may wonder whether you should get travel insurance if you have credit card protection . There’s no right answer, and it often depends on your health, the type of trip you are taking and whether you have an emergency fund that can cover unexpected costs if needed. In short, if you fear your credit card insurance isn’t enough, it may be smart to purchase a travel insurance plan.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market.  See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our  credit card rating methodology .

• Credit Cards

The 7 Best Credit Cards for Travel Insurance Coverage and Protection [August 2024]

Christine Krzyszton

Senior Finance Contributor

323 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Jessica Merritt

Editor & Content Contributor

105 Published Articles 544 Edited Articles

Countries Visited: 4 U.S. States Visited: 23

Senior Editor & Content Contributor

151 Published Articles 768 Edited Articles

Countries Visited: 41 U.S. States Visited: 28

Table of Contents

The best credit cards for travel insurance (comparison table), types of credit card travel insurance, main benefit of having a credit card with travel insurance, what to look for in a card for travel insurance coverage and protection, how to submit a travel insurance claim, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies .

• Content by Leading Industry Experts
• Routine Updates and Fact-Checks
• First-Hand Credit Card Experience
• Shared Across 200+ Top Outlets

The U.P. Rating System

• 1062+ Expert Credit Card Guides

Securing travel insurance has become a priority for many travelers, but most people don’t know that you can actually get a substantial amount of travel insurance and coverage just from your credit card!

That said, not all credit cards offer the same level of travel insurance benefits. Read on to see a breakdown of travel coverages and benefit levels by card, as each has widely differing benefits. We’re exploring the travel insurance coverages offered on a select group of popular travel rewards cards.

The Best Credit Cards for Travel Insurance Coverage (Summary)

• Chase Sapphire Preferred ® Card
• Chase Sapphire Reserve ®
• The Platinum Card ® from American Express
• Capital One Venture X Rewards Credit Card
• United Club℠ Infinite Card
• Ink Business Preferred ® Credit Card
• The Business Platinum Card ® from American Express

Chase Sapphire Preferred ® Card (Best Overall Card for Travel Insurance)

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• 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℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

Chase is a major credit card issuer known for offering a strong selection of travel insurance benefits on its cards. As one of our top recommended cards, the Chase Sapphire Preferred card comes with a long list of valuable benefits and perks , including several travel insurance coverages.

Here are the major travel insurance coverages and protections you’ll get with this card:

• Auto Rental Collision Damage Waiver — Reserve and pay for your rental car with your card, decline the rental car agency’s collision damage waiver (CDW) or loss damage waiver (LDW), and receive primary car rental insurance coverage for damage or theft.
• Trip Cancellation and Trip Interruption Insurance — Purchase your trip with your card or rewards earned on your card and receive up to $10,000 per person, $20,000 per occurrence, up to a maximum of $40,000 within a 12-month period, when a covered event disrupts your trip.
• Trip Delay Reimbursement  — If your trip is delayed for a covered reason for 12 hours or more, or overnight, you could receive reimbursement for up to $100 per day for necessary incidentals for up to 5 days.
• Lost Luggage Reimbursement — Receive up to $3,000 per covered person , per trip, for checked and carry-on baggage that is lost, stolen, or damaged.
• Baggage Delay — If your baggage is delayed 6 hours or more, you could receive reimbursement of up to $100 per day for 5 days for incidentals.
• Travel Accident Insurance — Should accidental death or dismemberment occur involving a common carrier and you purchased the trip with your card, you could receive up to $500,000 for common carrier travel accident insurance and up to $100,000 for 24-hour travel accident insurance.
• Roadside Dispatch — Pay a set pre-negotiated fee per service call to receive towing, tire changing, fuel, jump-starting, lock-out service, and more.
• Travel and Emergency Assistance Services — Receive assistance when traveling away from home with message relays, referral services for legal and medical assistance, emergency transportation, and more. Cardholders are responsible for the cost of actual services.

In addition to having a fine selection of travel benefits, the Chase Sapphire Preferred card stays at the top of our list for a lot of reasons.

• 5x points on Lyft (through March 31, 2025)
• 5x points on travel purchased through Chase Travel
• 5x points on Peloton equipment and accessory purchases over $250 (through March 31, 2025)
• 3x points on dining, select streaming services, and online groceries
• 2x points on other travel
• 10% cardmember anniversary bonus based on total dollar amount spent
• $50 annual Ultimate Rewards Hotel Credit
• Redeem Ultimate Rewards points earned on the card for 1.25 cents each for travel via the Chase Travel portal or Chase transfer partners for even greater potential value
• Purchase protection and extended warranty
• No foreign transaction fees

Chase Sapphire Reserve ® (Best for Premium Travel Insurance)

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• APR: 22.49%-29.49% Variable

Want a premium travel rewards card delivering a collection of travel benefits that’s difficult to beat? The Chase Sapphire Reserve card might be a fit.

Here’s a sample of the premium travel insurance benefits you can expect on the card:

• Auto Rental Collision Damage Waiver — Pay for your rental car bill entirely with your card, decline the rental car agency’s CDW or LDW coverage, and receive primary car rental coverage for damage or theft.
• Trip Cancellation and Interruption Insurance — As one of the most valuable travel insurance coverages, trip cancellation/interruption insurance pays up to $10,000 per occurrence. Limits cap out at $20,000 per incident and $40,000 within a 12-month period.
• Trip Delay Reimbursement — If your trip is delayed for a covered reason for 6 hours or more , or overnight, you could receive reimbursement for up to $100 per day for necessary incidentals for up to 5 days.
• Lost Luggage Reimbursement — If your checked or carry-on luggage is lost, stolen, or damaged, you could receive up to $3,000 per person, per trip.
• Baggage Delay — If your baggage is delayed 6 hours or more, you could receive up to $100 per day in reimbursements for incidentals, for up to 5 days.
• Medical Evacuation Insurance — If you, or an eligible family member, become ill or injured when traveling, you could receive emergency transport coverage up to $100,000.
• Emergency Medical and Dental Benefit — Receive up to $2,500 for emergency treatment should you or an eligible family member become ill or injured when traveling 100 miles or more from home.
• Travel Accident Insurance — Pay for your trip with your card and receive up to $1,000,000 should accidental death or dismemberment occur.
• Roadside Assistance — Receive up to 4 free $50 service calls each year at no cost should your vehicle break down when away from home.
• Travel and Emergency Assistance Services — Make 1 phone call and receive medical or legal referrals, assistance with emergency transportation, and more.

While the Chase Sapphire Reserve card comes with a higher annual fee, the card could earn its place in your wallet if you spend a lot on travel, find value in worldwide lounge access , and will use the $300 travel statement credit.

See what’s great about the Chase Sapphire Reserve card outside of the travel insurance perks:

• Priority Pass Select membership with access to more than 1,400 lounge and lounge-alternative properties worldwide
• Redeem Ultimate Rewards points for 1.5 cents each via the Chase Travel portal or transfer points at a ratio of 1:1 to airline and hotel partners for potentially greater value
• $300 statement credit for travel purchases each card anniversary year
• Global Entry , NEXUS , or TSA PreCheck application fee reimbursement as a statement credit
• 10x points on Lyft purchases (through March 31, 2025)
• 10x points on hotels, rental cars, and Chase Dining booked through Chase Travel
• 10x points on Peloton equipment and accessory purchases over $250 (through March 31, 2025)
• 5x points on airfare purchased through Chase Travel
• 3x points on dining
• 3x points on other travel purchases
• Luxury hotel benefits via the Chase Luxury Hotel and Resort Collection
• Car rental status privileges with National, Avis, and Audi on demand

Hot Tip: Read our comprehensive article on the benefits of the Chase Sapphire Reserve card for a more detailed look.

Want help deciding which of these Chase cards is a fit for you? We’ve gathered all the information in our comparison of the Chase Sapphire Preferred card vs. the Chase Sapphire Reserve card .

The Platinum Card ® from American Express (Best Amex Card for Travel Insurance)

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply With Confidence

Know if you're approved with  no credit score impact.

If you're approved and accept this Card, your credit score may be impacted.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.
• APR: See Pay Over Time APR

American Express Membership Rewards

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is easily one of the best credit cards for travel. We like it because it earns valuable Membership Rewards points , offers flexible redemption options , and comes with plenty of statement credits for specific purchases.

When it comes to travel insurance benefits and protections, the Amex Platinum card is also a winner. Note that terms may apply and enrollment may be required, so make sure you check your American Express account to ensure you’re enrolled in your benefits!

Here’s what you can expect from the Amex Platinum card in the way of travel insurance benefits :

• Trip Cancellation and Trip Interruption Insurance — Receive up to $10,000 per covered trip, to a maximum of $20,000 within a 12-month period, should your trip be disrupted due to a covered event.
• Trip Delay Program — If a trip you paid for with your card is delayed 6 hours or more, you could receive up to $500 per trip, a limit of 2 claims per 12-month period, for necessary incidentals.
• Car Rental Loss and Damage Insurance — The card comes with secondary car rental insurance, which means you must file a claim with your own insurance first. However, cardholders have access to purchase Amex Premium Car Rental Protection for 1 low fee of $12.99 to $24.99 which covers the entire rental car period up to 42 consecutive days.
• Baggage Insurance Plan — Use your card to pay for your ticket and receive up to $2,000 for checked baggage and $3,000 for carry-on baggage, with a maximum combined total of $3,000 per person, $10,000 per trip if your bags are lost, damaged, or stolen.
• Premium Global Assist Hotline — Receive needed emergency assistance whenever you’re more than 100 miles from home. The coverage also includes emergency medical evacuation for the cardholder and qualifying family members with no specified dollar limit.

In addition to useful travel insurance benefits, the frequent traveler will receive elevated earnings on flights and prepaid hotels, travel-related and shopping benefits, flexible redemption choices, and statement credits for select purchases. Note that some benefits require enrollment through your American Express account.

What we like about the Amex Platinum card:

• Redeem points for 1 cent each for flights via AmexTravel.com
• Use American Express transfer partners for potentially greater value
• Hilton Honors and Marriott Bonvoy Gold elite status
• Hertz, National, and Avis car rental perks and benefits
• Worldwide airport lounge access to over 1,400 properties including the Centurion lounge network
• Elite benefits at American Express Fine Hotels & Resorts and the Hotel Collection
• Statement credit for Global Entry or TSA PreCheck application fee
• Up to $100 statement credit for Saks Fifth Avenue purchases
• Up to $240 in digital entertainment credits every year
• Up to $200 in Uber Cash every year
• Up to $300 in Equinox credits every year
• Up to $200 in airline fee credits every year
• Up to $199 in CLEAR Plus credits every year
• Purchase protection, return protection, cell phone protection, and extended warranty

Capital One Venture X Rewards Credit Card (Best Capital One Card for Travel Insurance)

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $100 credit for Global Entry or TSA PreCheck ®
• APR: 19.99% - 29.99% (Variable)

Capital One Miles

The Capital One Venture X card is Capital One’s ultra-premium personal credit card. This card has a lot of benefits and features going for it, but it’s particularly noteworthy when it comes to travel insurance and protections :

• Auto Rental Collision Damage Waiver — Pay for your rental car bill entirely with your card, decline the rental car agency’s CDW or LDW coverage, and receive primary car rental coverage for damage or theft.
• Trip Cancellation and Interruption Insurance — Although not as good as the other card options, this card’s trip cancellation/interruption insurance pays up to $2,000 per ticket.
• Trip Delay Reimbursement — If your trip is delayed for a covered reason for 6 hours or more or requires an overnight stay, you could receive reimbursement for up to $500 for necessary incidentals.
• Lost Luggage Reimbursement — If your checked or carry-on luggage is lost, stolen, or damaged, you can receive reimbursements of up to $3,000 per person, per trip.
• Travel and Emergency Assistance Services — With just a phone call, you can access medical or legal referrals, assistance with emergency transportation, and more.

The Capital One Venture X card has other noteworthy benefits and rewards that can help level up your travel:

• 10x miles on hotels and rental cars booked through Capital One Travel
• 5x miles on flights and vacation rentals booked through Capital One Travel
• 2x miles on other purchases
• 10,000-mile anniversary bonus after every renewal year
• $300 Capital One Travel credit
• Global Entry or TSA PreCheck application fee statement credit
• Complimentary Hertz President’s Circle status
• Access to Capital One Lounges , Plaza Premium Lounges , and a Priority Pass Select membership
• Cell phone protection , purchase protection, extended warranty, and no foreign transaction fees ( rates & fees )

United Club℠ Infinite Card (Best United Card for Travel Insurance)

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

The United Club℠ Infinite Card  is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

• 4x miles per $1 on United purchases
• 2x miles per $1 on travel and dining purchases
• Complimentary United Club membership
• $525 annual fee
• Does not earn transferable rewards
• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United ®  purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access ® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
• APR: 21.99% - 28.99% Variable

The United Club Infinite card is the ultimate premium travel credit card for United travelers . In addition to a well-rounded collection of travel benefits, it also offers benefits specific to traveling with United Airlines. Let’s take a look at the travel insurance perks:

• Auto Rental Collision Damage Waiver — Pay for the entire rental with your card, decline the agency’s CDW/LDW coverage, and receive primary car rental coverage for damage and theft.
• Trip Cancellation and Trip Interruption Insurance — If your trip is disrupted due to a covered event, you can expect to receive up to $10,000 per covered person, with a total of $20,000 per trip for associated prepaid, non-refundable travel expenses.
• Trip Delay Reimbursement — Once your trip has been delayed 12 hours or overnight, you may receive reimbursement for incidentals of up to $100 per day for 5 days, up to $500 per ticket.
• Lost Luggage Reimbursement — If you or your eligible family member’s luggage is lost, damaged, or stolen, you could receive a benefit of up to $3,000 for checked or carry-on luggage.
• Baggage Delay Insurance — If your baggage is delayed more than 6 hours, you could receive up to $100 per day for up to 3 days in reimbursements for purchasing incidentals.
• Medical Evacuation Insurance  — If you become ill or injured when traveling, you could receive emergency transport coverage up to $100,000. Eligible family members are also covered.
• Roadside Assistance — Receive up to 4 service calls each year at no cost, up to $50 in value, should you break down when away from home.
• Travel Accident Insurance — Pay for your common carrier trip with your card and receive up to $500,000 for accidental death or dismemberment.
• Travel and Emergency Assistance Services — Use United’s dedicated phone line when traveling and receive medical or legal referrals, assistance with emergency transportation, and more.

Now let’s take a look at what you can expect for United-specific benefits on the card.

• Complimentary upgrades on United award flights
• United Club  membership ($650 value)
• First and second checked bag free for the cardholder and 1 companion
• Premier Access Services including priority check-in, security screening, boarding, and baggage handling
• Expanded access to award space inventory

While there’s plenty of value for the United Airlines traveler and a good foundation of travel benefits on the card, there are still more reasons to consider the United Club Infinite card:

• 2x miles for travel and dining purchases
• Statement credit for Global Entry, NEXUS, or TSA PreCheck application fee
• Avis President’s Club status
• Luxury Resort & Hotel Collection benefits such as complimentary breakfast, room upgrades, and free Wi-Fi
• Visa Infinite concierge services
• Purchase protection and return protection

Ink Business Preferred ® Credit Card (Best Overall Business Card for Travel Insurance)

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection
• No elite travel benefits like airport lounge access
• Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• APR: 21.24%-26.24% Variable

The Ink Business Preferred card comes with the same travel benefits and protections as the Chase Sapphire Preferred card, with these exceptions:

• Trip Cancellation and Trip Interruption — The limit for these coverages on the Ink Business Preferred card is $5,000 per person, $10,000 per trip .
• Cell Phone Protection — Pay your cell phone bill with your card and receive $1,000 in cell phone protection with a $100 deductible.

You can also expect to enjoy these benefits:

• 3x earnings on travel, internet service/cable/phone, advertising on social media/search engines, and shipping (up to $150,000 in purchases each card anniversary year)
• 5x earnings on Lyft purchases through March 31, 2025
• Redeem points for 1.25 cents each via the Chase Travel portal or transfer to airline or hotel partners for potentially greater value
• Visa Signature Luxury Hotel Collection benefits
• Purchase protection, extended warranty, and no foreign transaction fees

The Business Platinum ® Card from American Express (Best Premium Business Card for Travel Insurance)

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

The Business Platinum Card ® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges , along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
• High annual fee of $695 ( rates & fees )
• Airline fee credit does not cover airfare, only incidentals like checked bags
• Welcome Offer: Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards ® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card ® . Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card ® , here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $199 CLEAR ® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR ® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card ® .
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• APR: 19.49% - 28.49% Variable

Hot Tip:  Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card comes with the same list of travel insurance benefits as the personal version of the card.

Its other features and benefits differ. As with the personal card, terms may apply and enrollment may be required to receive the stated benefits, so verify your enrollment in your American Express account.

Also, you’ll get these incremental benefits:

• Redeem Membership Rewards points for 1 cent each for flights via AmexTravel.com or transfer to airline/hotel partners for potentially greater value
• 35% rebate on qualifying airfare paid for with points
• Global Entry or TSA PreCheck fee statement credit
• Worldwide airport lounge access to over 1,400 properties including Centurion lounges
• Elite-level benefits at American Express Fine Hotels & Resorts and the Hotel Collection
• National, Avis, and Hertz car rental elite status and perks
• Up to $400 statement credit for Dell purchases
• Up to $360 statement credit for Indeed purchases
• Up to $150 statement credit for Adobe purchases
• Up to $120 in wireless statement credits
• Up to $200 airline fee credit

Hot Tip: Access our comprehensive article on the travel insurance benefits offered on American Express cards  for more detailed information.

There are many variations of credit card travel insurance, here is a look at some of the different types of coverage.

Trip Cancellation and Trip Interruption Protection

Trip cancellation or trip interruption coverage could be a valuable benefit if you need to cancel your trip due to a covered reason such as an illness or if your trip is disrupted due to a covered event such as weather.

Both the Chase Sapphire Preferred card and Chase Sapphire Reserve card provide up to $10,000 per person, $20,000 per occurrence , up to a maximum of $40,000 during a 12-month period.

Trip Delay Coverage

Several credit cards offer a benefit if your trip is delayed, but many require more than a 12-hour delay and a lower benefit level of $100 per day for up to 3 days. Both of our recommended cards offer elevated benefit levels for delays 6 hours or more and up to $100 a day for up to 5 days .

To learn more about the best credit cards for trip delay coverage , we’ve got all the information you need in our detailed comparison.

Rental Car Insurance

A credit card could offer primary car rental coverage or secondary coverage. Secondary coverage requires you to first file a claim with your own insurance, while primary coverage does not.

We like the Chase Sapphire Preferred card best of all because it charges a lower annual fee while still providing a long list of travel insurance benefits, including primary car insurance coverage .

For a list of additional cards with primary car rental insurance , check out our recommendations.

Travel Accident Insurance

Travel accident insurance is widely offered but seldom used. According to the most recent available data from the Bureau of Transportation Statistics,  there were 0 deaths on a U.S. air or commuter carrier in 2020.

However, the best cards for travel accident insurance provide peace of mind that there would be a benefit offered if an accidental death or dismemberment should occur. We like that these cards offer up to $1,000,000 in coverage .

Emergency Evacuation Insurance

Should a medical emergency occur and you need to evacuate, you could be facing a steep bill for the expense. According to the leading travel insurance company Allianz , emergency evacuations start at a minimum of $15,000 and can exceed $200,000 .

The Amex Platinum card and Amex Business Platinum card provide coverage for emergency evacuation through the associated Premium Global Assistance coverage with no specified limit .

The Chase Sapphire Reserve card and United Club Infinite card come with $100,000 in emergency evacuation coverage plus $2,500 for emergency medical and dental services.

Lost or Delayed Baggage

There are several things that can happen to your baggage during your trip. The common carrier could lose your bags, the bags could become damaged, someone could steal your bags, or your bags could just be delayed.

Given that, it is important that you hold one of the best credit cards for lost baggage if things go wrong during your trip. These coverages can offer up to $100 per day for a maximum of 5 days if your baggage is delayed for more than 6 hours, or up to $3,000 per covered person for lost luggage.

Roadside Assistance

Roadside assistance (or roadside dispatch, as it can commonly be referred to) usually means you’ll have a dedicated phone line to call for referral services when you have a vehicle roadside emergency.

Services can include towing, tire changes, emergency fuel, and other related vehicle breakdown-related services. Basic roadside assistance coverage comes complimentary on a lot of the best credit cards for roadside assistance .

Bottom Line:  While a particular card may stand out over another in specific benefit options, you won’t go wrong selecting any one of these premium travel rewards cards for their overall package of travel insurance benefits. 

The main benefit of having a credit card with travel insurance is simply that it can save you money, time, and stress if anything happens to go wrong during your travels.

Having a card with trip delay insurance can cover a hotel and other necessities if your flight is delayed overnight. A card with baggage delay insurance can cover your cost of new clothes and toiletries if the airline misplaces your bag. Renting a car? No need to pay extra for the rental company’s insurance policy when your credit card provides one as a complimentary benefit.

No one wants to think about things going awry during their trip, but these things do happen, and when they do you’ll be immensely thankful that you have a credit card with travel insurance.

Many credit cards come with various levels of complimentary travel benefits and protections. And while credit card travel insurance coverages are not meant to replace a comprehensive travel insurance policy , the coverage may still be sufficient for most of your trips.

We’ll get down to the specifics of which travel insurance coverages are offered on credit cards shortly, but first, let’s talk about some of the limitations of these benefits and protections.

As with all types of insurance, there are exclusions, terms, and conditions. Here are some of the most common ones normally associated with credit card travel insurance:

• If you decide to cancel your flight because you do not want to fly, flight cancellation insurance on your credit card will not provide coverage . In fact, only the reasons published in the card’s guide to benefits are covered for trip cancellations.
• Credit card travel insurance such as trip cancellation/interruption/delay coverage or lost baggage insurance/delay is normally secondary to any other reimbursement you may receive. You must usually make a claim with the travel provider or other applicable coverage you might have before coverage applies.
• Credit cards require that the trip must be paid for either entirely or partially using the eligible credit card and/or the card’s associated rewards points.
• There are conditions for coverage to be valid, such as declining coverage with the car rental agency, for the car rental insurance on your credit card to apply.
• The claim process can be difficult as credit card issuers do not directly handle travel insurance claims. Claims are processed by a third-party administrator, which could require a lot of information, documentation, and follow-up.

There can be many other exclusions and conditions for coverage to be valid, which is common with insurance in general, but the travel insurance that comes with your credit card can still offer tremendous value .

Bottom Line: While many credit cards come with complimentary travel insurance coverage, benefit levels can vary greatly. Additionally, there are exclusions to coverages, terms and conditions that must be met, and in many cases, the credit card coverage is secondary to that of the travel provider. The claim process can also be challenging. Despite all this, credit card travel insurance can be worth it. 

The exact process for submitting a claim for your travel insurance protection is going to vary based on your card issuer, but here are a few most-do things.

Call Your Issuer

Give a call to the bank that issues the credit card that you have your travel protection through and let them know the issue you are having. They can then walk you through your coverage details, what you need to do to submit a claim, and how long it might take to expect your reimbursement.

Know What Is Covered

Reading the policy terms on your credit card can give you a good idea of the purchases that should and should not be covered. If you’re filing a claim for trip delay insurance, reasonable purchases like a hotel stay, meals, etc., should be covered. However, extravagant or unnecessary purchases, such as a new laptop, are likely to be denied.

Keep Your Receipts

When you submit your claim, you’ll need to provide proof of all your purchases and their amounts to be reimbursed. Keep the receipts of every expense you incur and consider making copies of any receipts that aren’t digital.

The coverage you have on your credit cards may be sufficient to not only provide peace of mind, but serve as a more-than-adequate backup coverage if the airline or other travel provider doesn’t come through should something go wrong during your travels.

Also, keep in mind that premium travel rewards cards can come with higher annual fees. If you don’t find value in these elevated benefit levels, selecting a card with fewer benefits and a lower annual fee may be an appropriate alternative.

Keep in mind that we have not listed every benefit on each card and descriptions have been abbreviated. Before traveling, you should reference your card’s benefits guide or call the number on the back of your card for specific coverage information.

Plus, if you’re planning an expensive and/or complicated trip, it’s best to purchase a travel insurance policy that will cover that specific trip or an annual travel insurance policy that covers all of the trips you might take in those 12 months.

If you’re worried about canceling a trip for reasons not listed in the card’s coverage description,   you could consider Cancel for Any Reason insurance.  Credit card travel insurance will not cover a voluntary cancellation.

To learn more about purchasing travel insurance, check out our additional articles on the topic:

• The Best Travel Insurance Companies for All Travelers
• An Introductory Guide to Travel Insurance

If you’re comfortable with the economic risk associated with a specific trip being disrupted, there’s no need to purchase a stand-alone travel insurance policy.

For the car rental collision damage coverage benefit of The Platinum Card ® from American Express, 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. 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. For the trip cancellation and interruption insurance and trip delay insurance benefits of The Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Premium Global Assist Hotline benefit of The Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. 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. For the cell phone protection benefit of The Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/ benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the extended warranty and purchase protection benefit of The Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental collision damage coverage benefit of The Business Platinum Card ® from American Express, 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. 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. For the trip cancellation and interruption insurance and trip delay insurance benefits of The Business Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Business Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Premium Global Assist Hotline benefit of The Business Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. 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. For the cell phone protection benefit of The Business Platinum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here .

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

Best credit cards for travel insurance

Advertiser disclosure.

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

• Share this article on Facebook Facebook
• Share this article on Twitter Twitter
• Share this article on LinkedIn LinkedIn
• Share this article via email Email

At Bankrate, we take the accuracy of our content seriously.

“Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced.

Their reviews hold us accountable for publishing high-quality and trustworthy content.

• Connect with Holly D. Johnson on Twitter Twitter
• Connect with Holly D. Johnson on LinkedIn LinkedIn

• Connect with Mariah Ackary on Twitter Twitter
• Connect with Mariah Ackary on LinkedIn LinkedIn

• • Rewards strategy
• • Small business marketing
• Connect with Cathleen McCarthy on Twitter Twitter
• Connect with Cathleen McCarthy on LinkedIn LinkedIn

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:

• Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
• Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
• Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.

At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.

Editorial integrity

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

Credit cards with travel insurance can help protect you from financial losses when your luggage is lost or stolen, your trip is canceled for reasons beyond your control, or someone vandalizes your rental car.

Amazingly, credit cards that come with travel insurance offer this extra protection on a complimentary basis. When you have one of the top rewards credit cards with travel insurance, you can enjoy these added perks for free.

The travel insurance benefits you’ll get with a rewards card can vary dramatically, though it shouldn’t surprise you that premium travel credit cards tend to offer the broadest coverage.

Types of coverage you may get with the best credit cards for travel insurance include trip cancellation and interruption insurance, auto rental coverage, baggage delay insurance, lost luggage reimbursement, roadside assistance and much more.

If you’re hoping to get travel insurance as a cardholder perk, the following rewards credit cards with travel insurance should be at the top of your list.

Comparing the top travel credit cards for trip insurance

A closer look at the best credit cards for travel insurance, chase sapphire reserve: best for luxury travelers, why we picked it.

With an extensive list of luxury travel perks, the Chase Sapphire Reserve card offers an elevated experience for frequent travelers seeking comfort and convenience.

Cardholders enjoy an extensive list of benefits, but those who put travel-related expenses on this card see an added bonus of boosted rewards: 5X on flights purchased through Chase, 10X on hotel stays and rental cars paid for with the card, 10X on Lyft rides (through March 2025) and 3X on all other travel purchases.

• Up to $300 in statement credits annually for travel purchases
• Complimentary airport lounge access at 1,300+ locations internationally
• Global Entry or TSA Precheck or NEXUS fee credit
• Exclusive access to VIP events and dining experiences
• $550 annual fee, plus $75 fee for each authorized user
• No current introductory APR offer
• Current welcome offer for this product is not as competitive as it once was

Who should apply

Frequent travelers who will make the most of this card’s perks are likely to offset the annual fee and see the most benefit. Travelers who book through Chase Ultimate Rewards and Chase Dining will see a significantly boosted rate of rewards earnings.

Who should skip

Moderate travelers who won’t recoup the cost of the annual fee may find the Chase Sapphire Preferred a better fit, with fewer perks but a much lower ($95) annual fee.

The Platinum Card from American Express: Best for lounge lovers

The Platinum Card has the highest rewards rate of any American Express card available and provides frequent fliers with some of the most extensive lounge access available to the public. Hilton and Marriott customers can also enjoy complimentary elite access (Gold Status and Gold Elite Status, respectively); a bevy of other statement credits are available, adding up to around $1,700 in value each year.

• Extensive lounge access and travel benefits for account holders
• Up to $500 trip delay insurance (up to two claims every 12 months) and up to $10,000 per trip or $20,000 per card in trip cancellation insurance (every 12 months)
• Welcome offer currently valued up to $1,500
• Statement credits available annually add ongoing value to the card
• $695 annual fee
• Less-competitive reward rates and more niche perks than some competing products
• Elevated rewards categories are largely limited to travel spending

Routine air travelers will likely see the greatest benefit from this card, which offers extensive airport lounge access and works with 17 airline partners to provide members with 5X points earned on airfare.

Travelers looking to earn points and rewards through everyday purchases such as gas and groceries may find other cards to be a better fit.

Chase Sapphire Preferred Card: Best for budget travelers

When compared to other cards designed for travel, the Chase Sapphire Preferred card is a contender with solid rewards offerings despite its modest $95 annual fee. Though the luxury perks are pared back — especially when compared side-by-side with the Chase Sapphire Reserve card — there are still built-in perks like travel insurance and supplementary auto rental coverage for cardholders.

• Trip cancellation and interruption insurance (up to $10,000 per person or $20,000 per trip); baggage delay insurance of up to $100 per day for five days
• A 25 percent boost in value when rewards are spent using the Chase Ultimate Rewards portal
• No foreign transaction fees
• Lacks luxury perks like free checked bags and airport lounge access
• No introductory APR or balance transfer offers

Business owners who are looking for a travel rewards card with a low annual fee.

Travelers who expect luxury benefits like airport lounge access, hotel regulars who could earn a higher rewards rate on hotel stays using another card

Capital One Venture X Rewards Credit Card: Best for everyday use

For travelers who need a balance between value (a comparatively moderate annual fee) and hefty, flexible rewards, the Capital One Venture X Rewards card offers boosted rewards earnings (2X) for everyday spending, as well as even more generously-boosted earnings on select travel purchases (5X to 10X).

• Flexible boosted rewards earnings: 2X on all purchases, 5X on flights booked through Capital One Travel, 10X on hotels & rental cars booked through Capital One Travel
• Offers a middle-ground, considering its annual fee and perks offerings
• Frequent travelers who will benefit from earning miles and prefer the flexibility of earning with everyday purchases
• Fewer luxury perks when compared to some competing cards
• Less-flexible rewards redemption, when matched against some competitors

Business owners who are looking to earn travel rewards both through everyday business expenses and through travel purchases.

Cardholders looking for top-of-the-line luxury travel benefits may find more impressive perks elsewhere.

United Club℠ Infinite Card: Best for United loyalists

For travelers who don’t mind pledging loyalty to a specific airline, the United Club Infinite Card offers outstanding rewards for those who travel regularly using United. Those who use this card for flights, in-flight purchases, baggage fees, and ticket upgrades will enjoy a 4X boosted rate of rewards earnings, alongside 2X earnings on non-United travel and dining purchases.

• Generous welcome offer and perks for United flyers
• Flexible points redemption for everything from hotel stays and car rentals to gift cards and Mileage Plus catalog merchandise
• Free checked bags on United flights
• Automatic United Club lounge membership
• Global Entry / TSA Precheck application fee reimbursement
• $525 annual fee
• No introductory APR offers on purchases or balance transfers
• Requires good to excellent credit to qualify

Air travel regulars who find themselves booking United flights routinely are likely to see a strong return when using this card.

If your business travel takes you to cities without regular service by United and its partner carriers, you may be better served by a travel rewards card that offers more versatility.

Is a travel credit card right for you?

Travel cards come loaded with attractive perks and sky-high annual fees to match. Unfortunately, unless you travel often, you’ll probably have a tough time recouping the cost of that annual fee. Meanwhile, frequent travelers will get plenty of value from benefits like airline lounge access, complimentary checked baggage, and cancellation coverage. For those who are frequently on the go, the provided travel insurance can truly save the day when luggage is lost, or travel plans are abruptly canceled. Even if you only check one to two bags on a few flights per year, your card’s annual fee pays for itself.

How to choose a credit card with travel insurance

If you’re shopping around for a travel credit card that comes with travel insurance, take note of other features such as rewards and fees. That way, you’ll wind up with a card that works well when you travel while still providing plenty of value at home.

Here are some tips to consider as you browse the top credit card offers :

•  Decide which travel protections you need the most. First, it can help to decide which travel insurance benefits you care the most about. While some consumers may only need primary rental car coverage or trip cancellation and interruption insurance, think about whether you would use other benefits like baggage insurance or roadside assistance.
• Read through the terms and conditions. In addition to deciding which travel protections you’re likely to use, pay attention to coverage limits and exclusions. For example, some travel cards offer only auto rental coverage for certain rental periods or within certain countries. Other benefits come with low limits that won’t provide much protection.
• Compare rewards programs. Next, think about the types of rewards you want to earn with your credit card—whether you prefer to rack up cash back, earn points you can transfer to airline or hotel programs or get flexible rewards you can redeem in more than one way. Be sure any card you’re considering offers a rewards scheme that makes sense for your spending style.
• Weigh the perks of cards that charge annual fees. Finally, keep in mind that the best credit cards with travel insurance tend to charge annual fees and that the cards with the most robust coverage options charge fees of $500 or more. While paying the high fee on a travel credit card could be well worth it, you may be able to get basic travel protections for less (or even with no annual fee) if you take the time to compare all your options.

The bottom line

If you’re angling for a credit card with travel insurance, any of the rewards credit cards we profiled on this page should fit the bill. But be sure to compare based on other features such as rewards and fees. Travel insurance benefits can be well worth paying a credit card’s annual fee, but infrequent travelers shouldn’t overpay for protections they’re rarely in the position to use.

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.

The information about United Club℠ Infinite Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How do I make a claim on my credit card travel insurance?

In most cases, you will file a claim on the credit card servicer’s website. Be prepared to provide documentation supporting any losses you’re requesting reimbursement for.

Does credit card travel insurance offer enough coverage on its own?

In many cases, cards like these with extensive built-in travel protections offer plenty of coverage on their own. But just because you’ve booked a trip on your travel rewards card does not mean everyone on your manifest is covered: in many cases, coverage is only extended to the cardholder and their immediate family members.

You may consider purchasing supplemental insurance coverage for your trip if you’re traveling with friends or colleagues, or if you wish to include extra flexibility around your change or cancellation needs.

Does credit card travel insurance cover COVID-19 cancellations?

In short, yes, many do. Check the fine print of your card’s travel insurance policy– many will require proof of a diagnosis from a doctor with date information that directly interferes with your trip. Precautionary cancellations due to COVID-19-related concerns are generally not covered.

Learn more : Check out Bankrate’s travel toolkit for tips and tricks on how to maximize travel with a credit card.

Related Articles

Best travel credit cards for people with bad or fair credit

Best credit cards for rental car insurance

Best cash back credit cards for travel

How to do a balance transfer with Bank of America