Best credit cards for travel insurance

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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?

Does credit card travel insurance offer enough coverage on its own, does credit card travel insurance cover covid-19 cancellations.

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

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Advertiser Disclosure

Guide to travel insurance with credit cards

As you plan your next trip, check your credit cards for their travel insurance benefits

Published: July 13, 2022

Susan Ladika

Author: Susan Ladika

Grace Pilling

Editor: Grace Pilling

Kaitlyn Tang

Reviewer: Kaitlyn Tang

Why trust us?

This guide features what’s included in travel insurance and how to assess what coverage you need based on your trip type, destination and length.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

Travel insurance has your back when the unexpected happens on a trip. In fact, many countries—from Anguilla to the United Arab Emirates—require visitors to have travel insurance upon arrival.

One way to protect your investment in a grand getaway or storybook honeymoon is through travel insurance. A number of credit cards offer travel insurance , covering everything from canceled or interrupted travel to lost luggage and damage to a rental car. That said, the type of coverage varies.

According to Carol Mueller, vice president of Berkshire Hathaway Travel Protection, about 25 percent to 30 percent of leisure travelers in the United States purchase travel insurance.

But before you purchase a travel insurance policy for your next vacation or hop on a flight assuming your credit card’s got you covered, here’s what you should know about travel insurance and how to pick the right coverage for you.

  • What is travel insurance?

Travel insurance (sometimes called trip insurance) will reimburse your prepaid travel expenses if things go awry or compensate you in the event of an emergency.

Depending on the type of coverage you have — either offered via a credit card or with a travel insurance policy you paid for — you may get your money back if you have to cancel the trip before you depart or if you cut your trip short for an unforeseen reason.

Credit cards may include types of coverage that you won’t find with a travel insurance policy you purchase, such as coverage for rental cars. And the travel insurance you purchase may offer coverage that your card doesn’t include, such as medical evacuation insurance.

  • Who needs travel insurance?

In some cases, the insurance benefits provided by your credit card may be enough. In other cases, you might want to boost your benefits by purchasing travel insurance. The difference may depend on where you’re headed and how much the trip costs.

If you spend $200 on an airline ticket to visit your parents one state over, you might not need additional travel insurance. But if you’re going on a cruise that costs thousands of dollars and need to make payments months in advance, you might want the extra protection that travel insurance offers.

To determine what kind of travel insurance you need, including how much coverage you need in terms of dollars, consider the following questions:

  • Will you be traveling domestically or internationally?
  • How long will you be traveling? Is it a short trip (seven days or less) or a long trip?
  • Are you traveling for business, pleasure or an emergency?

For example, if you’re going on a quick business trip, you will likely not need the same level of travel insurance coverage as if you’re heading out on a weeklong vacation outside the U.S.

How much does travel insurance cost?

If you have a credit card that offers travel insurance, then there’s no extra cost. You generally need to just use that card to pay for the trip in order to be eligible for coverage.

If your cards don’t meet your travel insurance needs — or you just want to be covered for any contingency — you may want to supplement your coverage by purchasing a travel insurance policy.

A travel insurance policy usually costs about 5 percent to 7 percent of the cost of the trip, Mueller says.

The main factors in the price of a travel insurance policy are the type of trip, including cost, length and destination, and the traveler’s age and any existing medical conditions.

What are the types of travel insurance?

There can be big differences between credit card coverage and a travel insurance policy you pay for out of pocket. The types of coverage offered can also vary greatly from one credit card to another.

Trip cancellation and trip interruption insurance

Trip cancellation insurance can reimburse your nonrefundable travel costs if you need to cancel your trip for a covered reason, such as illness or injury, before you depart.

Trip interruption insurance can reimburse your costs when you’re already on the road and your trip is interrupted for a covered reason, such as an illness or a natural disaster.

Many credit cards provide either trip cancellation, trip interruption insurance or both. There can be wide variations in coverage limits for trip cancellation/interruption insurance, and premium cards usually offer more generous policies.

For example, the Chase Sapphire Reserve , which has a hefty $550 annual fee, offers both trip interruption and cancellation insurance that provides coverage of up to $10,000 per person (up to $20,000 per trip) for prepaid, nonrefundable travel expenses. Meanwhile, the no-annual-fee Wells Fargo Visa Signature credit card * provides up to $2,000 per person in trip cancellation or interruption insurance.

Travel accident insurance

Travel accident insurance (often called flight accident insurance or accidental death and dismemberment insurance) is included with several credit cards. This insurance can provide a payout if you are killed or lose a limb or one of your senses — such as sight or hearing — while traveling on a common carrier.

The Capital One Venture Rewards Credit Card , for example, provides up to $250,000 of such insurance.

Emergency medical and evacuation insurance

This type of insurance covers emergency evacuation if you or your spouse, domestic partner or dependent children become seriously injured or ill while you’re traveling. Both the Citi Prestige® Card * and Chase Sapphire Reserve cards cover emergency services and transportation up to $100,000.

Once you are evacuated to a hospital, though, you may have to foot your own medical bills.

According to Steven Benna, spokesperson for the travel insurance site Squaremouth.com, Medicare generally does not pay if you have a medical emergency outside of the United States, and many private health insurance plans may not cover you if you’re traveling abroad.

Travel insurance policies you purchase on your own can include both emergency evacuation insurance and emergency medical insurance.

‘Cancel for any reason’ insurance

Cancel for any reason (CFAR) insurance will allow you to earn refunds on hotels and flights even if you cancel these reservations for reasons not included by traditional travel insurance policies.

These policies can be expensive, with most carriers who provide them offering them as an upgrade to a traditional travel insurance policy. Not all CFAR policies reimburse all your travel costs. Some policies, for instance, only reimburse you for 75 percent of your costs.

Trip delay insurance

Both comprehensive travel insurance policies and many credit cards, including some airline credit cards , will cover your expenses if your trip is delayed for a certain amount of time. The United Explorer Card , for example, will cover expenses such as meals or lodging if your trip is delayed more than 12 hours or if an overnight stay is required.

Lost or delayed baggage

Comprehensive travel insurance will typically cover the purchase of clothing and other essentials if your baggage is delayed. Some credit cards will also cover lost or delayed luggage. The Capital One Venture Rewards Card, for example, reimburses you for up to $3,000 if your luggage is lost.

Auto insurance

Credit cards may also offer travel protections that extend beyond flights, hotels and cruises. A number of credit cards, including the American Express® Gold Card , will cover you if you decline the collision damage waiver when renting a car and your rental vehicle is damaged or stolen.

Comprehensive insurance

Comprehensive insurance is by far the most popular type of coverage sold by travel insurance companies, Mueller says.

It bundles different coverages for one flat fee and can include trip interruption and cancellation insurance, accidental death and dismemberment insurance, travel delay insurance, emergency medical, dental and evacuation insurance and baggage delay insurance.

Who is covered by travel insurance?

Benefits provided by your credit card may cover you, your spouse or domestic partner and your dependent children. If you purchase travel insurance, you can buy a policy just for yourself or for your whole family if you are traveling together.

Be sure to check your benefit details or clearly communicate with an insurance provider when purchasing a policy to ensure your travel insurance offers sufficient coverage for all travelers in your party who need it.

  • How to find travel insurance

If you’ve got a trip coming up, first check your credit cards to see which types of coverage they provide. Travel insurance benefits on Chase cards , for example, tend to be impressive, especially on cards with a higher annual fee. You can also find solid travel insurance benefits with American Express and other issuers.

If you’re in the market for a new card and you’ve got a big trip on the horizon, you might want to check the travel benefits offered before applying for the card. You might even land a sweet sign-up bonus that will help cover some of your travel costs.

If you want to supplement your card benefits with other coverage, reach out to your current provider for home or auto insurance or check out travel insurance aggregators such as InsureMyTrip or SquareMouth .

Mueller recommends buying travel insurance within 15 days of making a deposit or paying for your trip.

Considering many policies have exclusions for preexisting conditions, you don’t want to be diagnosed with a disease and then be unable to buy travel insurance. Another reason to buy insurance well ahead of your trip includes the potential for unforeseen circumstances, such as a natural disaster or terrorist attack near or at your trip’s destination.

What to look out for with travel insurance

Changes to your credit card benefits.

Even if one of your credit cards offered travel insurance when you initially signed up, card issuers can change or remove benefits, so be sure to check your coverage before you depart. By the same token, perhaps you’re unaware of coverage offered by a card or, less commonly, one of your existing cards may also start offering travel insurance, so it’s wise to check the offerings on all your cards before a trip.

Exclusions and fine print

Both travel insurance that comes with your credit card and coverage you purchase will have exclusions, so read the fine print . For example, travel insurance typically won’t cover you for preexisting medical conditions or if you’re traveling against the advice of a physician.

Accidents arising from certain activities may also be excluded from coverage — if you’re participating in a competitive sport, for example, or a high-risk activity like sky diving. If your itinerary includes such activities, you might be able to purchase a special policy, often tagged as an “adventurer” package.

Bottom line

Whatever you do and wherever you go on your next trip, you’ll want to be prepared. To be safe, be sure your next trip’s planning involves checking your credit card travel insurance benefits and purchasing additional travel insurance if you feel it’s needed.

*All information about Wells Fargo Visa Signature and Citi Prestige has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.

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The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Susan Ladika spent more than three decades working as a journalist, reporting everywhere from Bali to Bosnia to Tampa Bay. Susan began writing about the fascinating field of personal finance for CreditCards.com and Bankrate during the heart of the Great Recession, when everyone wanted to learn how to save money and spend what they had more wisely. Over the years she’s written about a wide range of personal finance topics, including credit cards and debit cards, financial scams and frauds, savings and checking accounts, real estate and insurance.

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

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

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

2. chase sapphire reserve ® (best for premium travel insurance), 3. the platinum card ® from american express (best amex card for travel insurance), 4. capital one venture x rewards credit card (best capital one card for travel insurance), 5. united club℠ infinite card (best united card for travel insurance), 6. ink business preferred ® credit card (best overall business card for travel insurance), 7. the business platinum ® card from american express (best premium business card for travel insurance), trip cancellation and trip interruption protection, trip delay coverage, rental car insurance, travel accident insurance, emergency evacuation insurance, lost or delayed baggage, roadside assistance, main benefit of having a credit card with travel insurance, what to look for in a card for travel insurance coverage and protection, call your issuer, know what is covered, keep your receipts, 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.

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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, the best credit cards for travel insurance (comparison table).

Chase Sapphire Preferred® Card

A fantastic travel card with a huge 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)
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
  • $50 annual credit on hotel stays booked through the Chase Travel portal
  • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
  • Excellent travel and car rental insurance
  • 10% annual bonus points
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
  • $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 Ultimate Rewards ® .
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards ® , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards ® . 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, 2024.
  • Member FDIC

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  • Foreign Transaction Fees: None

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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®

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 March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 5x points on airfare booked through Chase Travel SM
  • 3x points on all other travel and dining purchases; 1x point on all other purchases
  • $300 annual travel credit
  • Priority Pass airport lounge access
  • TSA PreCheck, Global Entry, or NEXUS credit
  • Access to Chase Luxury Hotel and Resort Collection
  • Rental car elite status with National and Avis
  • $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 ®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
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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

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

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
  • Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees ( rates and fees )
  • $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 purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , 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 with American Express Travel when you pay with 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.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $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.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
  • $100 Global Entry Credit: 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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

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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 $189 in CLEAR Plus credits every year
  • Purchase protection, return protection, cell phone protection, and extended warranty

Capital One Venture X Rewards Credit Card

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 purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry or TSA PreCheck credit
  • Add authorized users for no additional annual fee ( rates & fees )
  • No foreign transaction fees ( rates & fees )
  • $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 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
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck ®
  • APR: 19.99% - 29.99% (Variable)

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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 :

  • 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 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

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
  • Free first and second checked bag for you and 1 traveling companion
  • United Premier Access
  • 25% back on United inflight purchases
  • Complimentary Premier Upgrades on United-operated award tickets (when available)
  • Expanded award availability
  • Up to 10,000 Premier Qualifying Points
  • $100 Global Entry/TSA PreCheck/NEXUS credit
  • Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
  • Shopping protections like return protection, purchase protection, and extended warranty protection
  • IHG One Rewards Platinum Elite status and a $75 annual credit
  • Avis President’s Club elite status
  • 10% discount on United Economy Saver Awards within the continental U.S. and Canada
  • $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 $320 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 (25 PQP for every $500 you spend on purchases)
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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

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
  • Trip cancellation and interruption insurance
  • Rental car insurance
  • Extended warranty coverage
  • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 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.
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  • Best Chase Business Credit Cards
  • Best Business Credit Card for Advertising
  • High Limit Business Credit Cards
  • Best Credit Cards with Travel Insurance
  • Best Credit Cards for Car Rental Insurance

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

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.

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 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • 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)
  • Access to Amex’s Fine Hotels & Resorts program
  • High annual fee of $695 ( rates and fees )
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 120,000 Membership Rewards ® points after you spend $15,000 on eligible purchases with your 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 everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR ® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR ® Plus Membership (subject to auto-renewal) when you use your 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% - 27.49% Variable
  • Find The Amex Business Platinum 150k Welcome Bonus Offer
  • Find The Amex Business Platinum 170k Welcome Bonus Offer
  • Benefits of the Amex Business Platinum
  • Authorized Users Benefits of the Amex Business Platinum
  • 35% Points Rebate with the Amex Business Platinum
  • Amex Business Platinum vs Amex Platinum

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 120,000 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.

Types of Credit Card Travel Insurance

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

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.

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.

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 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 .

Should a medical emergency occur and there is a need for evacuation, you could be facing a steep bill for the expense. According to a 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.

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 (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. 

How To Submit a Travel Insurance Claim

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.

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.

You can get a good idea of the purchases that should and should not be covered by reading the policy terms that your credit card provides. If you’re filing a claim for trip delay insurance, then 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.

When you submit your claim, you’ll need to provide proof of all the purchases you made 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 .

Frequently Asked Questions

Which credit card has the best travel insurance.

The best credit cards for travel insurance are generally premium travel rewards credit cards issued by Chase, Capital One, or American Express.

However, the best overall card for you may not be the one with the best travel insurance coverage. Other factors, such as earnings that match up with your greatest spending categories, redemption priorities, and the card having specific benefits you will actually use, should play key roles in selecting the best credit card for you.

Is credit card travel insurance worth it?

Credit card travel insurance can be worth it if you ever have to use it. For example, if you pay for your rental car with your card and have a covered accident, the coverage would have tremendous value.

The travel insurance coverage that comes complimentary on your credit card can also serve as backup coverage if the travel provider does not come through with compensation. For example, if your flight is disrupted due to weather and the airline will not cover a hotel, your credit card insurance trip interruption or delay insurance may provide some coverage.

If you’re spending a lot of money on a multi-faceted trip that involves several travel providers and you have money tied up in non-refundable deposits, you may want to consider purchasing travel insurance.

If you just pay for a flight and hotel with your eligible card, the coverage that comes with the card may be more than sufficient.

Is my trip covered if I book with points?

Yes. If you pay for your trip with your eligible card and/or with points/miles earned on that card, you would have coverage for a covered loss.

Does my credit card cover trip cancellation?

The trip cancellation insurance that comes with your credit card covers limited reasons for canceling your trip. Voluntary cancellation is not one of those reasons. If you or a family member becomes ill and you cannot travel, however, this situation could be covered.

If you are concerned that you may have to cancel a trip, you should consider purchasing refundable travel or Cancel for Any Reason insurance .

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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What You Need to Know About Credit Card Travel Insurance

What does credit card travel insurance cover how does it work and what are some credit cards that offer trip protection start to unravel the complexities in this beginner’s guide..

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What You Need to Know About Credit Card Travel Insurance

Whether your flight was delayed or your trip was derailed by COVID, you could recoup some of your costs with insurance provided by travel credit cards.

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AFAR partners with CreditCards.com and may receive a commission from card issuers. This site does not include all financial companies or all available financial offers. Compensation may impact how an offer is presented. Our coverage is independent and objective, and has not been reviewed, approved, or endorsed by any of these entities. Opinions expressed here are entirely those of the AFAR editorial team.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Travel can be fun and exciting, but many things can go wrong on a trip. There are flight cancellations and delays, lost luggage, and even the dreadful reality of contracting COVID away from home . Investing in travel insurance can alleviate the fear of such situations. But sometimes protections offered by travel insurance companies are ones that you already get for free from your credit card .

You read correctly. Just by charging travel to your credit card, you may be entitled to coverage that you never knew you had. As with third-party travel insurance—and basically any insurance for that matter—so many terms and conditions apply, there are rules after rules, and COVID reimbursements are a tricky topic.

The subject of credit card travel insurance is very complicated—way too complicated for a single article—yet the basics are worth knowing before booking your next trip.

What is travel protection on a credit card?

Most—but not all—credit cards provide several implicit travel insurances as benefits for being a cardholder. These insurances usually kick in when charging travel to the credit card or using points for travel through a credit card’s loyalty program. Said travel insurances are collectively referred to as travel protections in credit card literature. Typically, when searching for the travel coverages your credit card provides, you will find them lumped under a banner or heading labeled “Travel Protections.”

What does your credit card travel insurance cover?

Some of the best travel credit cards provide travel insurance as part of their regular benefits. Some do not. Depending on the credit card, you may be entitled to some compensation under the following insurances:

  • Emergency Evacuation & Transportation: If you become ill on your trip and require medical evacuation and treatment
  • Trip Interruption and Cancellation: If you need to cancel or cut short your trip due to specific unforeseen circumstances
  • Emergency Medical and Dental Benefit: If you require emergency medical or dental services during a covered trip
  • Trip Accident Insurance: If you are severely injured, maimed, or–eek–die on your trip
  • Trip Delay: If your common carrier is delayed more than a specified number of hours
  • Delayed Baggage: If your bags arrive late, beyond a specified number of hours
  • Lost Baggage: If your bags are deemed lost for good
  • Rental Car Insurance: If you rent a car more than a specified number of miles away from your domicile and experience theft or damage to the rental car that you did not cause

Again, it’s important to note that not all cards with travel insurance include all these coverages. Each is different. Moreover, if you buy third-party travel insurance , it may or may not include specific protections (and covered reasons) that you don’t already get with your credit card.

What credit cards come with travel insurance?

Remember those pamphlets that arrived in the mail when you received your credit card, the ones you threw in the recycling bin? Likely within that paperwork was a handy “Guide to Benefits” that detailed the travel insurances of your credit card. Thankfully, most of this information can still be retrieved online when logging into your credit card account or even doing a simple Google search.

In the most general sense, every credit card is unique in its benefits—and that includes travel insurances. Some cards like the Citi Premier® Card , which ranks best in class for extended warranty protection on shopping purchases and is great for earning points on travel, comes with zero travel protections. At the opposite end of the spectrum, Chase Sapphire Reserve® has the most comprehensive suite of travel protections, ranging from Medevac insurance to rental car insurance as primary coverage.

Below is a chart of six popular travel credit cards and the insurances they do and do not provide.

Within each box of this chart lies more layers of complexity. Often, you are entitled to itemized coverages only under specific circumstances known as “covered reasons.” Moreover, several cards may offer the same protection, say “Trip Delay Protection,” but each may define a delay differently (i.e., 6 hours vs. 12 hours) and then may cap reimbursements at different amounts. Similarly, while some rental car insurance policies like the Chase Sapphire Reserve offer primary coverage, others offer only secondary coverage (meaning, you’d need to go through your own regular car insurance first). On top of that, travel to specific countries may be excluded under some policies.

All this to say, read the fine print!

Where does COVID related coverage fit into credit card travel insurance?

To start, your credit card travel insurance is not an umbrella policy for COVID-related expenses. But you can find some COVID coverage within the Trip Cancellation & Interruption policies of select cards.

In the most general sense, if you decide to cancel your trip because of COVID (or civil unrest—another big topic nowadays), you will not be covered. Even the most generous of travel insurance-promoting credit cards, Chase Sapphire Reserve, states in its Guide to Benefits that “your disinclination to travel due to an epidemic or pandemic” is not covered by its Trip Cancellation & Interruption policies.

However, should you get sick while traveling, some coverage may kick in. Again, this will require reading through the fine print of your specific credit card’s Guide to Benefits. Within the Trip Cancellation & Interruption policies of Chase Sapphire Reserve, it states, “quarantine of you or your travel companion imposed by a physician or by a competent governmental authority having jurisdiction, due to health reasons,” is a covered event while the guide for The Platinum Card® from American Express (see rates and fees ) states, “quarantine imposed by a physician for health reasons” is also a covered event. What may be covered (if and when documented properly) is any prepaid trip expense charged to the credit card that you are unable to fulfill due to your illness. That means things like changing your flight home or a refund for the part of your trip/hotel stay missed after testing positive and having to quarantine. That said, neither card will pay for your expenses to stay in a hotel to recover from COVID.

Credit card travel insurance is complicated, and policies differ by card. However, it’s worth deciphering your card’s coverages to know exactly what you’re entitled to as a cardholder before booking your next trip–and to avoid redundant third-party travel insurance.

While the offers mentioned above are accurate at the time of publication, they are subject to change at any time, and may have changed or may no longer be available.

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The Best Credit Cards for Travel Insurance

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.

I talk a lot about travel insurance on this website . I know it’s not an exciting topic, but it’s the one thing I won’t leave home without.

Travel insurance has saved me — and my readers — time and time again. I’ve had my gear broken and stolen, missed flights, needed doctor’s appointments, and even needed urgent medical care abroad.

I’ve learned the hard way how vital it is — especially as a budget traveler.

Fortunately, these days, many credit cards come with travel insurance. And while I always recommend that you get comprehensive travel insurance in addition, there are a number of cards out that offer pretty robust protection at no additional cost.

If you’re thinking about getting a new credit card, or if you want to know which of your current ones you can rely on for decent insurance, here’s a list of the best credit cards with travel insurance:

Table of Contents

How Credit Card Travel Insurance Works

My top pick: chase sapphire reserve®, capital one venture x, bilt rewards mastercard, the platinum card from american express, how to use your credit card’s travel insurance, frequently asked questions about credit card travel insurance.

Travel protection offered by credit cards does not cost anything extra, although nearly all of the cards that offer such insurance — with one notable exception (see below) — come with an annual fee.

It’s one of the many reasons that getting a card with an annual fee is worth it (and why I think that avoiding cards with annual fees is one of the biggest mistakes you can make when using credit cards for travel ). If something goes wrong while you’re on the road and your card’s insurance pays for it, you’ll more than recoup the annual fee right there.

The most important thing to know is that for the insurance to kick in, you must have paid for your trip using that card. However, once you do that, you’ll be covered.

While the payout limits vary greatly, as do the conditions that need to be met before coverage kicks in, these are general categories that credit card travel insurance usually covers:

  • Trip delay: covers meals, lodging, and other expenses if your trip is delayed at least six hours (for some cards, it must be at least 12)
  • Trip cancelation and interruption: reimburses trip costs if a covered reason (such as death in the family) causes you to cancel your trip or go home early
  • Rental car insurance: in the event of an accident, covers damage to the car; injuries are not covered (primary insurance kicks in before any other insurance, while if the card offers secondary insurance, you’ll have to file with your own car insurance first)
  • Baggage: covers delay of, loss of, or damage to your baggage
  • Accident insurance: in the case of death or dismemberment, you or your beneficiaries will receive a payout

While these are categories that credit cards with the best travel insurance generally include, always read the fine print of your coverage no matter what. There’s a lot in there that can change what you’re eligible for, such as what state you live in, the length of your trip, and more.

With that in mind, here are the best credit cards for travel insurance and what they cover:  

This is my favorite premium rewards card . It offers the most comprehensive travel insurance out of any credit card and is one of the only ones to include any kind of medical insurance. The Reserve also offers airport lounge access, a fantastic roster of transfer partners, and an array of statement credits, including a $300 USD annual travel credit that brings the annual $550 USD fee down to a more reasonable $250 USD.

As a Visa Infinite® card, the Chase Sapphire Reserve’s travel insurance includes the following:

  • Primary car rental insurance up to $75,000 USD
  • Travel accident insurance up to $1,000,000 USD
  • Trip cancelation/interruption coverage up to $10,000 USD per person and $20,000 USD per trip
  • Trip delay coverage of $500 USD after delays of six hours or more
  • Lost luggage coverage up to $3,000 USD
  • $100 per day for up to five days if your baggage is delayed
  • Emergency medical and dental coverage up to $2,500 USD for treatment (minus a $50 USD deductible)
  • Emergency evacuation insurance up to $100,000 USD

—> LEARN MORE <—

If you don’t want to pay the high annual fee for the Reserve, the card_name offers most of the same benefits for a much lower one ($95 USD). Just note that the Preferred comes with lower payouts and more restrictions (for example, trip delay coverage doesn’t kick in until a delay of at least 12 hours). Emergency medical and evacuation insurance also isn’t covered on the Preferred. You can read my review of it here .

Additionally, if you’re eligible for a business card, the card_name has the almost the same coverage as the Chase Sapphire Preferred.  

A few years ago, Capital One overhauled its cards, and the Capital One Venture X now competes with the top brands, including some of the best travel protection around. You’ll also get a generous welcome offer, lounge access, travel credits, and a solid points-earning structure. It also offers particularly unique features: you’ll earn 2x points on every purchase, and there’s no fee for up to four authorized users.

As a Visa Infinite® card, coverage is similar to that offered by the Chase Sapphire Reserve (though it doesn’t offer baggage delay, medical, or evacuation coverage, all of which the Reserve does).

The Venture X offers these protections:

  • Trip cancelation and interruption coverage up to $2,000 USD per person, per trip
  • Up to $500 USD when travel is delayed by six hours or more
  • Lost luggage up to $3,000 USD
  • Cell phone protection up to $800 USD for repair or replacement (minus a $50 USD deductible)

If you don’t want to pay the $395 USD annual fee for the Venture X, the card_name offers solid travel protection at a lower annual fee ($95 USD), though without some significant benefits, like trip interruption, cancelation, or delay insurance.  

Bilt credit card

The Bilt Mastercard is the only credit card that allows you to earn points by paying your rent (they offer bonus points and perks every Rent Day as well). It also offers the best travel insurance you can get on a card with no annual fee.

Since Bilt is a World Elite Mastercard, you’ll get access to that suite of travel insurance benefits. Notably, it doesn’t have accident insurance or medical coverage, so if you’re relying on Bilt for that, you’ll want to purchase additional travel insurance that does.

Bilt’s travel insurance includes the following:

  • Primary car rental insurance up to $50,000 USD (secondary for New York State residents when renting within the US)
  • Trip cancelation and interruption coverage up to $5,000 USD
  • Trip delay coverage (after a delay of six hours) of $200 USD per day, up to $1,800 USD
  • Cell phone protection up to $800 USD minus a $25 USD deductible (cracked screens not included)

At $695 USD per year, the Platinum Card from American Express has the highest annual fee of any consumer travel card out there, but that doesn’t necessarily translate to better benefits across the board. While the Platinum does offer great travel insurance, the Chase Sapphire Reserve handily beats it in all categories.

However, the Platinum offers emergency evacuation and medical transport coverage (with no limit on cost), which can be huge if you end up needing to take advantage of it. Evacuation and transport costs can be incredibly expensive, costing upwards of $250,000 USD!

It also offers the best lounge access of any travel card, elite status benefits, travel perks, special hotel discounts, and luxury goods and service credits.

The Platinum Card’s protections include the following:

  • Trip cancelation and interruption coverage of $10,000 USD per person, per trip (on round-trip tickets only, $20,000 per 12 consecutive month period)*
  • Trip delay coverage up to $500 USD if six hours or more (on round-trip tickets only, 2 claims per card per 12 consecutive month period)*
  • Emergency evacuation and medical transport coverage: no limit; must be coordinated via the Premium Global Assist Hotline**
  • Cell phone protection up to $800 USD minus a $50 USD deductible^
  • Lost luggage coverage up to $3,000 USD per person^^
  • Secondary car rental coverage

Ensuring that you’re covered for your trip is pretty easy. Just follow these steps:

  • Use your card (or points associated with that card) to pay for your trip (flights, rental cars, hotels, etc.).
  • Keep all receipts, and take photos of everything if you need to file a claim (just in case).
  • Submit your claim ASAP if you need to file one.
  • Always read the fine print!

Do Visa credit cards come with travel insurance? Premium Visa cards come with travel insurance, and several on this list are Visa cards. Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, and Visa Signature Business Premium all offer some form of travel insurance. Coverage varies based on the type of card you choose.

Do credit cards automatically have travel insurance? No, which is why it’s important to know which ones do so that you can use the right card when paying for your trip. Most premium travel credit cards come with some form of insurance, but coverage does vary. Always read the fine print!

What’s the difference between credit card insurance and travel insurance? There is a lot of overlap between the two, such as trip and baggage delay coverage, trip cancelation/interruption coverage, and car rental insurance. The main difference is that standard travel insurance policies offer more comprehensive medical coverage. That’s why I always buy travel insurance before I go abroad.

How do you submit a claim for credit card insurance? Every card’s process is a bit different, but generally, you’ll need to file your claim online, including all supporting documentation. You can call the hotline on your card to get more information and to open a claim as well.

Does credit card insurance cover missed flights? It depends on the reason. Covered reasons (which depend on the card) often include a delayed flight that makes you miss your connection or an issue with your airplane or airline. But if you missed your 6am flight because you overslept, you’re out of luck.

If you’re deciding on which credit card is best for travel insurance, take a hard look at your needs so that you get the one that suits you best. If you never rent cars, you might not care about having the best car rental coverage. Maybe you care most about making sure you’re covered in the event of delays (after all, these are happening more these days). Either way, prioritize what’s important to you.

But no matter what card you get, I still recommend getting a comprehensive travel insurance policy to cover you for medical mishaps that may happen on the road. That way you’re protected no matter what happens.  

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

  • SafetyWing (best for everyone)
  • Insure My Trip (for those 70 and over)
  • Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Ready to Book Your Trip? Check out my resource page for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip.

Advertiser Disclosure: “Nomadic Matt has partnered with CardRatings for our coverage of credit card products. Some or all of the card offers on this page are from advertisers and compensation may impact how and where card products appear on the site. Nomadic Matt and CardRatings may receive a commission from card issuers.”

Editorial Disclosure: “Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.”

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

**You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

^Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

^^Baggage Insurance Plan 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 (oneway or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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How does travel insurance work on a credit card.

travel insurance with visa credit card

Credit card travel insurance protects you from some unforeseen circumstances that may disrupt your travel plans. If your credit card includes travel insurance, you may be reimbursed if your travel is affected by weather, health issues or certain kinds of emergencies outside your control.

Typically, credit card travel insurance only covers the expenses that you charge to that specific card. And because different cards have different travel insurance policies, it's important to read the fine print in your card's terms and conditions to understand your coverage levels.

What is travel insurance?

Travel insurance provides protection for expenses associated with travel, both domestic and international. Travel insurance may reimburse you if your trip gets cancelled, delayed or interrupted--or if you have to pay medical costs that your primary health insurance can't cover.

Travel insurance benefits can be broken down into a few different categories:

  • Trip cancellation insurance may reimburse you if your pre-booked, non-refundable flight (that was booked with the same credit card) is cancelled under unforeseen circumstances, such as injury or if your flight is cancelled due to weather conditions or other.
  • Your credit card's trip cancellation insurance may reimburse you for prepaid flights and hotel stays booked with your credit card. 
  • Trip interruption insurance (for trips that end earlier than planned) may cover expenses like the cost of a last-minute flight home. In most cases, only the part of your trip that was interrupted will be eligible for reimbursement.
  • Travel delay insurance may reimburse expenses, such as a hotel stay, that arise from severe delays.
  • Medical insurance works like a supplement to your existing health insurance, which may not cover medical costs that you incur abroad. Evacuation insurance covers the costs associated with an evacuation following a weather event or other disruption.
  • Baggage insurance is supplemental to coverage provided by your airline or via your homeowners or renters insurance policy. Baggage coverage may reimburse you for the actual or replacement cost of your possessions, should they go missing as you travel.

What are the benefits of credit card travel insurance?

Many airlines and tour operators offer travel insurance as an add-on at point of purchase. Credit card travel insurance, on the other hand, is a feature offered on certain credit cards.

Credit card travel insurance provides the following benefits:

  • Financial protection : Comprehensive credit card travel insurance can provide full coverage should a covered event--such as severe weather, a medical emergency affecting you or a loved one, or loss of employment--occur. In many cases, travel insurance may require you to pay any expenses out of pocket, then file a claim later for reimbursement.
  • Evacuation assistance : If your credit card travel insurance includes evacuation coverage, you can get help securing transport when a covered event (like weather or a political incident) disrupts your travels. Depending on the coverage provided by your credit card travel insurance plan, even emergency medical evacuations such as those on a private jet-may be covered.
  • Supplemental medical coverage : Many health insurance plans don't cover medical costs incurred outside the country. Even those that do are likely to charge a deductible. Credit card travel insurance that includes medical coverage may pay for some medical costs, including your primary plan's deductible.
  • Peace of mind : Having credit card travel insurance can give you the confidence to make bold travel plans--or jet somewhere sunny in the dead of winter. A major storm might snarl your vacation plans, but with travel insurance you may get fully reimbursed.

What questions should I ask about credit card travel insurance?

Credit card travel insurance provides many benefits, but be sure to understand what coverage your card provides before you book a trip. Do your research and ask questions to maximize the value of your credit card's travel insurance program:

  • What coverage levels does my card offer? Get a copy of your card's full terms and conditions to learn exactly what kinds of travel coverage are included.
  • Are my family members covered by my credit card travel insurance? Travel insurance typically covers events that affect your immediate family: for example, if your child gets sick before you embark on a flight. Your more distant relatives--and pets--may not be covered, however.
  • What specific events are covered? Understanding the events that can trigger a claim is crucial to getting the most out of travel insurance. For instance, involuntary unemployment may qualify you for cancellation protection--but leaving your job voluntarily may not.

Relying on credit card travel insurance

Credit card travel insurance can offer financial protection and peace of mind when you travel. Take the time to understand how your card's travel insurance works-and be aware that only expenses charged to your card are likely to be covered.

Chase Sapphire is an official partner of the PGA Championship .

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Find the best credit card for you

The best usaa credit cards of april 2024, usaa has a variety of cards including some that earn cash back, travel rewards and offer intro aprs..

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The United Services Automobile Association (USAA) provides a variety of financial services to members of the military, veterans and their families. This includes homeowners insurance , car insurance , checking accounts, auto loans , mortgages and credit cards . If you're eligible for a USAA membership, it's worth looking at what it offers whenever you're shopping around for your next credit card or other financial product as it may offer better rates or benefits.

Best USAA credit cards

  • Best for cash back: USAA® Cashback Rewards Plus American Express® Credit Card
  • Best for everyday purchases:   USAA® Preferred Cash Rewards Visa Signature® Credit Card
  • Best for travel: USAA Eagle Navigator™ Visa Signature® Credit Card
  • Best for bad credit: USAA Secured Visa® Platinum Credit Card
  • Best for low interest rate: USAA Rate Advantage Visa® Platinum Credit Card

Best for cash back

Usaa® cashback rewards plus american express® credit card.

Earn 5% back on your first $3,000 in combined gas station and military base purchases each year; 2% back on your first $3,000 in grocery purchases each year; 1% back on all other purchases

Welcome bonus

Regular APR

17.15% - 31.15% (Variable)

Balance transfer fee

5% of the amount of each transfer

Foreign transaction fee

  • No annual fee
  • No foreign transaction fees
  • Excellent return for gas station and military base purchases
  • No welcome bonus

Who's this for? The USAA® Cashback Rewards Plus American Express® Credit Card offers generous rewards in common spending categories like gas station, military base and grocery purchases.

Standout rewards : This card earns a competitive 5% cash back on the first $3,000 in combined gas station and military base purchases each year. Once you hit the $3,000 annual limit, you'll continue to earn 1% back on these purchases. Plus, you'll 2% back on your first $3,000 in grocery purchases each year.

[ Jump to more details ]

Best for everyday purchases

Usaa® preferred cash rewards visa signature® credit card.

Earn 1.5% cash back on all purchases

0% intro APR for 15 months on purchases

  • Good return on all purchases
  • Generous intro APR offer

Who's this for? The USAA® Preferred Cash Rewards Visa Signature® Credit Card is ideal for those who prefer simplicity. It offers an above-average return on every purchase with no confusing bonus categories to worry about.

Standout rewards : With this card, you'll earn a simple 1.5% back on all purchases with no limit to how much cash back you can earn. While it doesn't have bonus spending categories with higher returns, it earns 50% more cashback than a typical cash-back card for non-bonus category spending.

Best for travel

Usaa eagle navigator™ visa signature® credit card.

3X points on travel including hotels, car rentals, vacation rentals, airfare, rideshare and tolls; 2X points on all other purchases

Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.

20.15% - 28.40% (variable)

  • High rewards rate for everyday spending
  • TSA PreCheck/Global Entry application fee credit
  • No transfer partners

Who's this for? The USAA Eagle Navigator™ Visa Signature® Credit Card is for USAA members interested in travel as it earns bonus rewards on travel purchases and offers a number of travel-specific perks and protections.

Standout rewards : This card has a $95 annual fee, but a single card benefit can offset that entire cost. Once per calendar year, you can earn 10,000 bonus points (worth $100 in travel) when you book a hotel or rental car through the USAA Rewards Center. The booking must cost at least $100 and you'll have to redeem at least 100 points on the qualifying booking.

Best for bad credit

Usaa secured visa® platinum credit card.

28.15% (variable)

  • No rewards program

Who's this for? The USAA Secured Visa® Platinum Credit Card is a good fit for anyone who may not qualify for other rewards credit cards and wants to build or improve their credit history .

Standout rewards : Secured credit cards aren't known for their rewards, but they are easier to get because you'll need to make an upfront security deposit. This deposit affects your credit limit, which can range from $250 to $5,000. Whatever you put into your refundable deposit is held in a certificate of deposit (CD) that earns interest, so that money won't sit idle while building your credit score.

Best for low interest rate

Usaa rate advantage visa® platinum credit card.

0% APR for the first 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening.

12.15% - 29.15% (variable)

  • 0% APR offer
  • Potentially low standard APR

Who's this for? The USAA Rate Advantage Visa® Platinum Credit Card can be worth considering if you're searching for a low interest rate. It offers a potentially lower APR than the average credit card , as well as a great intro APR.

Standout rewards : New cardholders get a 0% intro APR on balance transfers and convenience checks that post to the account within 90 days of account opening, then a variable APR of 12.15%-29.15% applies. There's a fee of 5% of the amount of each balance transfer and convenience check. If you're looking to save on credit card interest, be sure to factor the fee into your decision.

More on our best USAA credit cards

The USAA® Cashback Rewards Plus American Express® Credit Card is a no annual fee card that offers strong rewards rates for common purchases, as well as a number of travel and shopping protections.

  • 5% back on the first $3,000 in combined gas station and military base purchases each year
  • 3% back on the first $3,000 in grocery purchases each year
  • 1% back on all other purchases

Notable perks

USAA cardholders have access to a strong collection of travel and shopping protections, including:

  • Cell phone insurance
  • Purchase security
  • Rental car insurance
  • Travel and emergency assistance
  • Trip cancellation and interruption
  • Travel accident insurance
  • Baggage delay reimbursement
  • Extended warranty protection
  • Terms apply

This card is also good for making purchases outside of the U.S. because it has no foreign transaction fees.

[ Return to card summary ]

The USAA® Preferred Cash Rewards Visa Signature® Credit Card is a no annual fee card with a generous intro APR offer to complement its solid cash-back rate.

  • 1.5% back on all purchases

New cardholders qualify for a 0% intro APR on purchases for 15 months, after that a variable 17.15%-31.15% APR applies. On top of the intro APR offer, eligible purchases qualify for travel and shopping protections, including:

This card also has no foreign transaction fees.

The USAA Eagle Navigator™ Visa Signature® Credit Card is one of the few USAA cards to have an annual fee, but it's easy to offset it, and the card has the best welcome bonus of any USAA card.

  • 3X points on travel (airfare, hotels, rental cars, tolls, vacation rentals and more)
  • 2X points on all other purchases

Earn 30,000 bonus points after you spend $3,000 on qualifying purchases within 90 days of account opening.

Every year, cardholders can earn 10,000 bonus points (worth $100 in travel) after an eligible hotel or rental car booking through the USAA Rewards Center. Plus, every four years, cardholders can receive a TSA PreCheck/Global Entry application fee credit worth up to $100.

This card has no foreign transaction fees and valuable insurance benefits including, cell phone insurance, purchase security, rental car insurance, travel and emergency assistance, trip cancellation and interruption coverage, travel accident insurance, baggage delay reimbursement and extended warranty protection.

The USAA Secured Visa® Platinum Credit Card is just one secured credit card offered by USAA. It also issues the USAA Secured American Express® Credit Card , which has similar benefits. Neither card earns rewards, but they can help build credit .

This card no foreign transaction fees. Plus, you can take advantage of the many build-in protections available to USAA cardholders, including:

Anyone who wants to pay off credit card debt more quickly will find value in what USAA Rate Advantage Visa® Platinum Credit Card offers.

USAA provides a long list of credit card insurance coverages for eligible purchases to go along with no foreign transaction fees . With this card, you'll get:

How to qualify for a USAA credit card

To be eligible for a USAA credit card, you'll first need to be a USAA member. It's free to join but you, your spouse or a parent needs to be a member of the U.S. military or a military veteran. This includes individuals who have served in the Army, Marines, Navy, Air Force, Space Force and Coast Guard. Cadets and midshipmen are also eligible. For more details on eligibility, see USAA's  eligibility guidelines . 

Aside from the military affiliation, the application requirements are similar to other card issuers . You need to be a U.S. citizen or permanent resident and at least 18 years old. You'll also need a source of income and your credit history will be reviewed as part of the application process.

Find the best rewards credit card for you by reviewing offers in our  credit card marketplace  or get personalized offers via  CardMatch™ .

What is the easiest USAA credit card to get approved for?

The easiest USAA credit cards to get approved for are the secured credit cards because they require an upfront deposit. USAA offers two secured cards, the USAA Secured Visa® Platinum Credit Card and the USAA Secured American Express® Credit Card .

Which USAA credit card has the highest credit limit?

It's hard to tell which USAA credit card has the highest credit limit since credit limits can vary significantly by the cardholder, depending on factors like your credit score and income.

Which USAA credit card is the best?

The best USAA card depends on what you want from a credit card. If you prefer the flexibility of cash back and don't want an annual fee, the Preferred Cash Rewards Visa Signature® Credit Card is a solid option. However, anyone who wants to use rewards to book travel may be better off applying for the USAA Eagle Navigator™ Visa Signature® Credit Card .

Bottom line

USAA offers a range of financial products to current and former U.S. military members and their eligible family members. This includes credit cards that earn travel rewards or cash back and have other features like cell phone protection. Before you decide on a card to apply for , check all your USAA credit card options and compare them to cards not issued by USAA, to determine which would be the best fit for you.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best USAA credit cards.

Our methodology

To determine the best USAA credit cards, CNBC Select analyzed all of the USAA credit cards available. We compared each card on a range of features, including rewards, welcome bonuses, introductory and standard APR, balance transfer fees, foreign transaction fees and more.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

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The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

  • Travel insurance is intended to cover risks and financial losses associated with traveling.
  • Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
  • When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

  • Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
  • Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
  • Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
  • Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
  • Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
  • Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
  • Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
  • Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Credit Cards > Reviews

Wells Fargo Autograph Journey℠ Visa® Card review 2024: Don’t stop believing in industry-leading travel rewards for an under-$100 annual fee

Stella Shon

Robin Saks Frankel

Robin Saks Frankel

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Grace Pilling

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Published 6:20 a.m. UTC March 20, 2024

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Wells Fargo has made its official debut in the travel rewards scene with a brand-new credit card — and an improved loyalty program to boot.

As the more sophisticated sibling to the no-annual-fee Wells Fargo Autograph℠ Card , the new Wells Fargo Autograph Journey℠ Visa® Card * The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. comes with a $95 annual fee and impressive earnings across all things travel. While the card is only available at select Wells Fargo branches starting March 9, 2024, it will soon be available nationwide (and online) on March 20, 2024.

We’ll dive deeper into the card’s offerings and its key differentiators from the competition in our full Wells Fargo Autograph Journey card review.

Wells Fargo Autograph Journey card basics

  • Annual fee: $95.
  • Welcome bonus: 60,000 points after spending $4,000 in purchases in the first three months of account opening.
  • Rewards: 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
  • APR: 21.24%, 26.24%, or 29.99% variable APR on purchases and balance transfers. An intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies for 120 days from account opening. After that, a fee of up to 5% for each balance transfer, with a minimum of $5, applies.
  • Recommended credit score: Good to excellent.
  • Does the card offer preapproval? No, but the issuer does offer pre-qualification.
  • Other benefits: $50 annual statement credit for airfare purchases, trip cancellation and interruption protection, travel and emergency assistance services, secondary auto rental collision damage waiver, lost luggage baggage reimbursement, access to roadside dispatch, travel accident insurance and cellphone protection.

Wells Fargo Autograph Journey card review

In an era where we’re continuing to see issuers increase their annual fees, the Wells Fargo Autograph Journey is easy on the eyes (and your wallet) with a down-to-earth $95 annual fee.

This metal card is a fantastic traveler’s card as it gives you the freedom to book flights, hotels, or other travel-related activities and earn bonus rewards virtually anywhere you go. This is an important differentiator, as many rewards cards require you to use a specific travel portal in order to earn bonus points or miles.

For instance, the Wells Fargo Autograph Journey offers a $50 annual statement credit for airfare purchases which can be easily used at virtually any airline of your choice. The ever-popular Chase Sapphire Preferred® Card — with an identical annual fee — also offers a $50 statement credit, but it can only be used when booking hotel stays specifically through Chase Travel.

With the initial list of six transfer partners, Wells Fargo is entering the competitive travel rewards space. While its programs are limited for now, we can expect to see more value added as Wells Fargo signaled in a press release their plans to introduce more travel partnerships down the line. For now, there’s still tremendous value to be found with airlines spanning all three major airline alliances (Oneworld, SkyTeam, and Star Alliance) and one hotel program.

While this credit card may not give you access to airport lounges, airline upgrades or other swanky travel benefits, it’s an economical choice for travelers solely focused on making the most of their trip expenses.

The Wells Fargo Autograph Journey is also one of the best credit cards in case of a rainy day, as it offers complimentary travel protections with high coverages, including trip cancellation and interruption insurance (up to $15,000 limit), lost luggage reimbursement (up to $3,000 limit), and cellphone coverage (up to $1,000 limit with a $25 deductible). These underrated benefits make the Wells Fargo Autograph Journey even more valuable for the frequent traveler. Overall, it’s a welcome addition to the travel cards arena, with plenty of value for a reasonable annual fee.

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Wells Fargo Autograph℠ Card

Welcome bonus.

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

  • Generous rewards rate across a wide range of categories.
  • No annual fee.
  • Introductory APR period on purchases.
  • Minimal cardholder perks compared to other cards.
  • Potentially high purchase APR after the introductory period.
  • Lacks an intro APR period on balance transfers.

Card Details

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • $0 annual fee.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Complimentary travel insurance protections built into the card: Get peace of mind with trip cancellation and interruption protection, lost luggage reimbursement, access to travel and emergency assistance services and more.
  • Maximize your rewards on all travel purchases: With its high rewards rates on booking not limited to the issuer’s travel site this card can help you rack up a large haul of points.
  • Easy-to-use $50 airfare credit: Whether you’re buying airfare or paying for seat assignments and checked luggage, cardholders will enjoy an annual $50 statement credit for eligible purchases.
  • Travel transfer partners are limited for now : There are currently five airline and one hotel loyalty partners, but Wells Fargo says to expect more to come shortly.
  • No bonus points on other popular everyday categories: While this card offers generous points on dining, it comes with a fairly standard flat rate on all other purchases such as gas, groceries and other everyday spending.
  • No elite travel perks: The main event with this card is its points potential. There’s no lounge passes or elite status boosts with hotel or car rental programs like you might find with more premium travel cards.

Wells Fargo Autograph Journey card rewards

The Wells Fargo Autograph Journey card earns an outstanding 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases. There’s no limit to the amount of rewards you can earn, and you’re not limited to using a travel portal to earn these points — unlike other competing cards.

The introductory welcome bonus is 60,000 points after spending $4,000 in purchases in the first three months of account opening. At the bare minimum, these points are worth $600 but could be maximized even further by leveraging Wells Fargo’s new transfer partners.

Starting April 4, 2024, cardholders will be able to transfer points to these select partners: Aer Lingus AerClub, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Executive Club, Choice Privileges, and Iberia Plus. All points will transfer at a 1:1 rate, with the exception of Choice Privileges, where cardholders can transfer 1 Wells Fargo point and earn 2 Choice hotel points.

Points are worth a flat 1 cent apiece otherwise for several other redemption options:

  • Redeem to account.
  • Redeem to account automatically ($25 increments).
  • PayPal Pay with Rewards.
  • Gift cards (minimum $10).
  • Redeem for purchases on statement credit (minimum $1).
  • Wells Fargo travel portal bookings.

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has around $25,087 in annual expenses that can be charged to a credit card. Here’s how our sample household’s rewards could break down:

Our sample cardholder earned 40,945 rewards points annually, which is worth $409.45 when redeeming to your Wells Fargo account, gift cards, or even travel bookings through Wells Fargo’s portal. However, price-conscious fliers know you can receive exceptional value from travel transfer partners. Here are a few examples of ways to maximize Wells Fargo’s transfer partners:

  • Book flights between the East Coast and Madrid, Spain, in business, for just 34,000 Iberia Avios and $280 in taxes and fees.
  • Book flights between the West Coast and Hawaii, in economy, for just 16,000 British Airways Avios and $5.60 in taxes and fees.
  • Book hotel nights at thousands of properties worldwide starting at 8,000 Choice Privileges points.

In all three examples above, you’d achieve way greater value than redeeming your points at a flat rate of 1 cent apiece. This is why it’s nice to have the flexibility of transfer partnerships to take your rewards even further.

Wells Fargo Autograph Journey card perks

The Wells Fargo Autograph Journey card comes with some of the best-in-class travel protections offered by any card — even those that charge much higher annual fees. That’s because it’s branded as a Visa Signature card, which grants important coverages that could potentially save you money on a wide range of things.

You’ll get access to Visa Signature® concierge services, the Visa Signature Luxury Hotel Collection with extra perks, and emergency cash disbursement and card replacement. Other travel coverages include trip cancellation and interruption protection, travel and emergency assistance services, auto rental collision damage waiver (secondary coverage in the U.S.), lost luggage baggage reimbursement, roadside dispatch, and travel accident insurance.

Notably, Autograph Journey cardholders can get reimbursed up to $15,000 for lodging, flights, and activities if the trip is interrupted for a covered reason due to trip cancellation and interruption coverage, which is one of the highest limits we’ve seen on any travel card.

Last but not least, the Autograph Journey is a natural fit for those who hold other eligible Wells Fargo cards as you’ll be able to pool the rewards. This can be a lucrative rewards strategy if you pair the Autograph Journey with the Wells Fargo Active Cash® Card , which earns 2% cash rewards on purchases. All the rewards can be combined and used to book travel, either directly through Wells Fargo or by transferring to one of its airline or hotel partners.

Wells Fargo Autograph Journey card drawbacks

While the Wells Fargo Autograph Journey card comes with top-tier travel protections, it falls short in terms of everyday coverages. We’d expect to see things like purchase protection or extended warranty, which are offered by competing cards and catered more to everyday scenarios. That said, cellphone protection is a valuable perk to have, so the importance of these benefits will depend on your lifestyle needs.

It’s also worth noting that the auto collision damage waiver provides secondary coverage in the U.S., meaning the benefit won’t kick in until you pay the deductible from any other rental car insurance you may have. The Autograph Journey’s similarly-priced competitor, the Chase Sapphire Preferred, offers primary auto rental coverage.

How the Wells Fargo Autograph Journey card compares to other travel cards 

Wells fargo autograph journey card vs. chase sapphire preferred.

The Chase Sapphire Preferred is well-known for its rewarding perks for a $95 annual fee. If you’re deciding between the two $95-annual-fee cards, pay close attention to the earning rates. The Chase Sapphire Preferred is more suitable for everyday purchases, as it offers 5 points per $1 on travel purchased through Chase Ultimate Rewards®, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. On the other hand, the Wells Fargo Autograph Journey Card is a better earner for travel purchases.

Another notable difference between the two cards is that with the Chase Sapphire Preferred card you can redeem your points to book travel through Chase for 25% more value. So, 60,000 points will be worth $725 when used this way. Chase Ultimate Rewards® is one of the most powerful rewards currencies as it can be transferred 1:1 to over a dozen airline and hotel partners, with domestic airline partners like United MileagePlus and Southwest Rapid Rewards. The better choice for you will depend on if you value the redemption options on the Sapphire Preferred more than enhanced earning opportunities on the Autograph Journey.

Wells Fargo Autograph Journey card vs. Wells Fargo Autograph℠ Card

For those staunchly opposed to annual fees, the Wells Fargo Autograph Card is the foundational level travel card in the Wells Fargo Rewards program. With no annual fee, the card is a fantastic earner across diverse categories, earning 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases.

The Wells Fargo Autograph card is also one of the best no-annual-fee cards for travel on the market, between its broad elevated rewards categories and the ability for users to transfer their points to Wells Fargo’s airline and hotel partners. But frequent travelers will likely get more value out of the high rewards on travel offered by the Autograph Journey, even with its $95 annual fee.

Wells Fargo Autograph Journey card vs. Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

There are several travel cards with $95 annual fees, and the Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is another one from a major competing bank . This Capital One card offers the benefit of simple rewards: 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases.

Capital One miles can be transferred to more than a dozen airline and hotel transfer partners, which includes some overlap to British Airways Avios, Avianca LifeMiles, among others. These miles can also be redeemed for any travel purchased within the past 90 days on your statement credit at a rate of 1 cent apiece.

Is the Wells Fargo Autograph Journey card worth it?

The Wells Fargo Autograph Journey card is one of the best new travel cards to hit the market. The $95 annual fee is justifiable after considering the $50 annual statement credit for airfare purchases. Not to mention, frequent travelers can accrue a pile of points in no time by leveraging the rewards rate on their trip expenses. Hopefully, we’ll see Wells Fargo continue improving its transfer partner roster, which will add even more value to the new Wells Fargo Autograph Journey card.

The Wells Fargo Autograph Journey card is right for you if:

  • You’re a frequent traveler who flies often and stays at hotels regularly and you want a card that won’t break your budget.
  • You want access to robust travel protections and cellphone protection — perks that are often found on more premium rewards cards.
  • You’re an existing Wells Fargo customer and want to level up your rewards game with access to new transfer partners.

Frequently asked questions (FAQs)

Wells Fargo, like most issuers, doesn’t disclose the requirements for approval. However, as a rewards card, the Wells Fargo Autograph Journey card likely requires a good or better credit score , which FICO defines as starting at 670 or higher.

Starting April 4, 2024, Wells Fargo Autograph Journey and Wells Fargo Autograph cardholders will be able to transfer their points to Aer Lingus AerClub, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways Executive Club, Choice Privileges and Iberia Plus.

The credit card application can be approved instantly, but a decision could take up to five to seven business days to be mailed to you. 

On March 9, 2024, you can start to apply for the card at select Wells Fargo branches. It will be available online and in-person nationwide starting March 20, 2024.

*The information for the Capital One Venture Rewards Credit Card and Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Stella Shon

Stella Shon is a freelance writer that connects the dots between personal finance and travel. Her work has appeared in The Points Guy, ValuePenguin and MoneyUnder30, and she's been interviewed by The New York Times, CNBC and more.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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Should you get travel insurance if you have credit card protection?

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Editor's Note

Some credit cards offer built-in travel insurance as a cardholder benefit. And it may be tempting to rely on credit card travel protections instead of buying travel insurance. But, the entire point of travel insurance is to be covered if something goes wrong. So, you may be wondering whether you should buy travel insurance even if your credit card offers travel protection.

There isn't one answer that fits every traveler or situation. So in this guide, we'll explore some aspects you should consider, and I'll discuss my take on this topic. Let's dive in so you can make an informed decision for yourself.

Travel insurance you can buy

At a high level, you can pay a relatively small premium (compared to the total cost of your trip) to buy a travel insurance policy that may provide reimbursement or coverage for unexpected issues that affect your trip.

Many different types of protections fall under the term "travel insurance." Standard, comprehensive insurance policies typically include broad coverage across various potential issues.

travel insurance with visa credit card

But there are also policies that offer specific coverage. For example, it's possible to purchase travel insurance that only provides medical protection for international travel (such as GeoBlue ). Likewise, you can also purchase policies that allow you to select the protections you need (such as the build-your-own option with American Express Travel Insurance ).

We've previously compared the best travel insurance policies and providers . So, check out that guide to find the provider and policy that fits your needs best. You can also check a travel insurance aggregator to compare different policies quickly.

Most travel insurance policies exclude any loss incurred due to a preexisting medical condition. However, many policies include a process to obtain a waiver of the preexisting condition exclusion if you meet specific requirements. These requirements typically include purchasing the policy shortly after the first nonrefundable trip payment or deposit and being medically able to travel when you buy the policy. Some companies also require you to insure your trip's full, prepaid, nonrefundable cost to be eligible.

Likewise, all travel insurance policies have several exclusions. For example, most plans exclude medical benefits for injuries during adventure activities such as skydiving or skiing outside maintained trails.

Related: 7 things to look out for when buying travel insurance, according to an expert

Credit card travel protections

travel insurance with visa credit card

Some cards don't provide any special travel protections. But, many of the best travel rewards cards offer travel protections. Here's a look at our guides about some of the most common credit card travel protections:

  • Trip delay reimbursement
  • Baggage delay reimbursement
  • Trip cancellation and interruption insurance
  • Travel accident and emergency evacuation insurance

Check out our guide to the best cards that offer travel protections for more details on what card might be best for you. I also recommend reading the guide to benefits for your specific cards, as these documents will detail exactly what protections you can expect when you purchase travel with your card.

Note that some benefits require you to enroll — and virtually all require a formal claim process, with no reimbursement guarantee.

Related: Getting credit card travel insurance to cover the change fee on my Disney cruise

When to purchase travel insurance

travel insurance with visa credit card

Even if you have a credit card that offers travel protections, you may still want to purchase travel insurance for some trips. Here are some scenarios and trips for which it may make sense to purchase travel insurance.

Travel protections aren't offered

As discussed above, not all travel credit cards provide extensive travel protections when you book travel using the card. So, if you're using a card without travel protections or a card that only offers limited travel protections, you may want to purchase travel insurance .

Related: The best credit cards for booking flights

Some travelers aren't covered

Just because a card offers travel protections doesn't mean everyone traveling with you will be covered. In particular, travel protections usually only extend to select relatives of the cardholder. Your credit card's travel insurance may not cover friends, employees and relatives.

Related: Who is covered by your credit card travel insurance?

Adventure activities

If you plan to partake in an activity that most insurance policies exclude, you may want to purchase a travel insurance policy that explicitly includes your activity of choice.

For example, many policies exclude adventure sports like base jumping, sky diving, free soloing, diving, mountaineering and paragliding. You may want to consider purchasing insurance from an association involved in your adventure activity, such as Divers Alert Network (DAN) if you're a diver or German Alpine Group (DAV) if you partake in alpine sports.

You're concerned about preexisting conditions

travel insurance with visa credit card

Most credit card trip interruption and cancellation insurance benefits exclude cancellations or interruptions caused by a sudden recurrence of a preexisting condition. So, you'll want to purchase travel insurance — and ensure you satisfy the provider's preexisting condition exclusion waiver conditions — if you want trip cancellation and interruption insurance that covers preexisting conditions.

Related: 7 times your credit card's travel insurance might not cover you

Nonmedical evacuation insurance

If you want evacuation insurance for nonmedical reasons, you should purchase travel insurance that offers this coverage even if you have a credit card with evacuation insurance .

Read the benefits guide closely, as evacuation benefits may not cover every evacuation you might need. For example, some policies don't cover evacuation from an area with a travel warning when you booked your trip or evacuation from a place suddenly inaccessible due to a landslide or other environmental incident.

Related: A Medjet medical transport membership is different from travel insurance

Cancel for any reason

Suppose you are uncertain whether you'll be able to take your trip, and you're worried that applicable credit card trip protections won't reimburse you if you decide to cancel or interrupt for a reason that isn't covered. In that case, you may want to purchase cancel for any reason trip insurance .

Related: 6 truths and myths about cancel for any reason travel insurance

You want peace of mind

Some travelers prefer to buy travel insurance — for each trip or via an annual travel insurance plan — for the peace of mind that having a travel insurance policy brings. Especially given the issues travelers have faced with a specific credit card insurance provider , it may be worth buying a travel insurance plan if you don't feel confident your credit card travel insurance and individual health insurance will combine to provide enough coverage during your trip.

Related: Here's why I buy an annual travel insurance policy, even though my credit cards offer travel protections

When credit card travel protections may be enough

travel insurance with visa credit card

Suppose you don't fall into any of the categories above and use one of the best credit cards with travel insurance when making travel purchases. In that case, you may determine that credit card protections are enough for some (or all) of your trips. However, I only recommend relying on credit card protections if you also have health insurance that will provide adequate coverage at your destination.

Below is a collection of reasons you can rely on credit card protections instead of purchasing independent travel insurance. If some (or most) of these reasons apply to your trip, it may be reasonable for you to rely on credit card protections instead of buying travel insurance:

  • You have personal health insurance that will cover you on your trip, even if treatment is out of network at your destination
  • You book your trip with a credit card that provides travel insurance
  • You have a credit card that provides medical evacuation benefits during your trip
  • You make refundable travel plans that you can cancel for little or no fee
  • You tend to change your plans frequently or book travel at the last minute
  • You have an emergency fund that can cover unexpected expenses if needed
  • You have airline miles or transferable points you can use to leave the area or return home if needed.
  • You avoid especially high-risk activities and destinations

The decision of whether to buy travel insurance is complex and personal. If you don't feel confident that your credit card protections and individual health insurance will provide adequate coverage, it's likely worth buying travel insurance.

Related: Why you might want to get a premium credit card instead of purchasing travel insurance

Why credit card travel insurance is usually enough for me

travel insurance with visa credit card

After researching the best travel insurance policies and providers , I purchased travel insurance for one specific trip because I wanted political evacuation coverage. I also purchased travel insurance for two trips when the destination required travelers to carry insurance for COVID-19 treatment and quarantine.

But for most of my trips, credit card protections and individual health insurance provide enough coverage for me. After all, my travel usually looks like the following:

  • My flights are often award flights that I can cancel and redeposit free of charge — or ones that carry minimal change and cancellation fees
  • My lodging can almost always be canceled without a penalty until shortly before my stay
  • If I book a tour or activity, it's usually within a few days of said tour or activity (or offers free cancellation)
  • My health insurance provides out-of-network coverage outside the U.S., so travel insurance would only pay for my deductible. In addition, my out-of-pocket maximum for out-of-network care is low enough to cover using my emergency fund
  • I book flights and pay for the taxes and fees for award flights using the Ink Business Preferred Credit Card , which provides excellent travel protections for a $95 annual fee card
  • I have ample airline miles and transferable points that I can use to cover last-minute one-way flights if needed

As you can see, the benefits of purchasing travel insurance would be minimal for most of my trips. The travel protections I use most are trip delay protection and baggage delay protection , both of which the Ink Business Preferred Credit Card provides when I use it to pay for my flights.

Related: Why the Chase Sapphire Reserve and Ink Business Preferred combo is perfect for couples who travel

Bottom line

As you book trips, you may wonder whether you should purchase travel insurance. One way to decide is to consider whether you'd be adequately covered without purchasing travel insurance if the worst happens.

If you're willing and able to cover the costs in this situation — or you feel confident you'd be adequately covered by your credit card's travel protections and health insurance — then you may want to proceed without buying travel insurance. Otherwise, I recommend purchasing a travel insurance policy shortly after you make the initial payment for your trip.

travel insurance with visa credit card

This is your sign to check your credit card for travel insurance

When a trip goes haywire, travel insurance suddenly comes into focus. A recent spat between a Boston restaurant owner and a customer highlighted the intricacies — and far-reaching impacts — of what happens when a trip is canceled.

According to posts on X , the now-viral incident began in January when New York resident Trevor Chauvin-DeCaro became sick and was hospitalized. Because of his condition, Chauvin-DeCaro says he was no longer able to travel to Boston as originally planned. However, he said he used credit card travel insurance to be reimbursed for expenses including hotel, train and restaurant reservations.

Here’s where the story gets a bit murky. Chauvin-DeCaro and his husband were set to dine at Table, an upscale restaurant owned by Jen Royle in Boston’s North End. In screenshots posted to X from a social media exchange with what appears to be Royle, Chauvin-DeCaro is scolded for disputing the $250 reservation cancellation charge.

“I just wanted to thank you personally for screwing over my restaurant and my staff when you disputed your cancellation fee,” the message reads. “I really hope in the future you have more respect for restaurants, especially small businesses such as mine. Pathetic.”

In a heated exchange, the restaurant insists the $250 charge was a credit card dispute while Chauvin-DeCaro stresses his use of credit card travel insurance, even noting that “the decision to use [it] to cover the lofty cancellation fee was not made lightly.”

Filing an insurance claim with your credit card company is different from a dispute. For many travelers, your credit card may come with built-in travel protections and you may not even know it. Here’s how to use it properly.

How credit card travel insurance works

Whether it’s a trip across the world — or in Chauvin-DeCaro’s case, up to Boston — having travel insurance can provide major relief if things go awry. Flight delays, lost baggage, illness, injuries and other unforeseen events can disrupt even the best-laid plans.

There are dozens of credit cards with embedded travel insurance coverage, which include policies like trip interruption and cancellation ; delayed and lost baggage; rental car coverage; emergency medical assistance and more. Your credit card agreement will detail this coverage.

Many popular credit cards, like the Platinum Card from American Express or Chase Sapphire Reserve Card, offer these benefits. “If you have a card that’s travel-focused, there’s a good chance you may have travel protection benefits and not even realize it,” says Stella Shon, a credit card expert for Upgraded Points . “Every cardholder has a benefits guide online from their issuer so a first step is to check there.”

To qualify for coverage, a traveler must use that specific card to make the travel purchases and provide proof, as with any insurance policy. When the time comes to file a claim, there’s usually an option to either call a specific number to call or do it online, Shon says.

Filing an insurance claim vs. disputing a charge

While it may seem like semantics, there is a major distinction between a disputed charge and a travel insurance claim, according to Gary Leff, a credit card expert and founder of the View From the Wing blog.

“Disputing a credit card charge is for when you didn’t actually make a purchase that was billed to you, when the product or service provided isn’t what had been described, or when you don’t receive what you bought,” Leff says. In other words, a dispute addresses risks when the transaction itself goes awry. A dispute can be requested on any credit card under the Fair Credit Billing Act.

Conversely, embedded credit card travel insurance, underwritten by a third-party company and labeled as “trip interruption” or “trip cancellation,” for instance, operates differently. Typically, it’s higher-end credit cards like American Express’s Platinum Card or the Chase Sapphire Reserve Card that offer this benefit.

Card travel insurance offers reimbursement for nonrefundable payments and other trip-related expenses when incidents arise before or during a trip. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance: peace of mind.

“You may have agreed to make a purchase, but circumstances outside of yours and the merchant’s control mean you’re unable to take advantage of that purchase,” Leff says. In other words, travel insurance addresses risks outside of a transaction. In either instance, travelers must provide documentation to go along with the claim.

Then, on the merchant side, there are key differences between a customer disputing a charge versus filing a travel insurance claim. Axel Hellman, co-founder of transportation company OurBus , says that “a travel insurance claim has no impact on the business.” Hellman notes that he typically wouldn’t even know if a customer uses an insurance benefit.

Neither Chauvin-DeCaro nor Royle responded to a request for an interview by The Washington Post. Spokespeople for both American Express and Chase say there wouldn’t ever be a situation in which credit card travel insurance would submit a dispute for the cardholder.

However, a disputed charge filed by a customer can have “significantly negative” consequences. “Businesses like ours are not only fined when there’s a dispute, but eventually we could lose processing privileges,” Hellman says. “That’s regardless if the dispute is valid or not.”

Meanwhile, the social media exchange between Chauvin-DeCaro and Royle continued to escalate and ended with Table’s owner threatening legal action.

A combination of an insurance claim and a dispute may have been at play here. Leff suspects that Chauvin-DeCaro may have contacted his credit card company to make an insurance claim and the agent initiated a dispute on his behalf. That further highlights the importance of travelers distinguishing between the two.

This is your sign to check your credit card for travel insurance

What you need to know about the Wells Fargo Autograph Journey Visa Card

  • How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card
  • 4 important details about the Autograph Journey 

Step Aside Chase Sapphire Preferred: There’s a New Travel Credit Card in Town

Wells Fargo’s latest credit card could inject some much-needed competition into the travel rewards market.

Holly Johnson

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

You can now apply for Wells Fargo’s newest credit card: the Wells Fargo Autograph Journey℠ Visa® Card.* This new travel card could give incumbent travel credit cards from  Chase ,  American Express  and  Capital One  a run for their money.   Out of the gate, Wells Fargo does one thing better than its competitors: It offers a more flexible rewards program that doesn’t require booking travel in a portal to earn the highest rates.

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of  the best travel credit cards , plus four insider tips to help  you  decide if you should add it to your credit card lineup.

Before we dive into the hidden features and benefits, here’s an overview of what you can expect with the Autograph Journey:

  • Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
  • Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
  • Receive an annual statement credit with a $50 minimum airline purchase.
  • No foreign transaction fees.
  • Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
  • $95 annual fee.

How other travel cards compare to the Wells Fargo Autograph Journey℠ Visa® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

4 important details about the autograph journey .

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey. 

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines. 

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Ultimate Rewards, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs. 

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

4. You may need to wait to apply

If you’ve applied for another Wells Fargo card in the last six months, you’ll likely have to wait a little longer before applying for the Autograph Journey.

Wells Fargo states in its terms and conditions, “If you opened a Wells Fargo Credit Card account within the last six months, then you may not qualify to open an additional Wells Fargo Credit Card account. We may also limit how many open Wells Fargo Credit Card accounts you have.”

So if you want the new Autograph Journey, you should steer clear of applying for other cards from Wells Fargo for now. If you’re approved and use the card responsibly for six months or longer, you can consider adding additional Wells Fargo credit cards to your portfolio.

Recommended Articles

As a credit card editor, i write about hundreds of cards -- but these two are my favorite, 6 reasons the chase sapphire preferred should be your next credit card, 3 steps to take when your flight is canceled or delayed, 8 best credit card strategies to maximize earnings in 2024, as a foodie who enjoys a night out on the town, this credit card gives me plenty to savor.

* All information about the Wells Fargo Autograph Journey, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

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Scotia Momentum ® for business Visa * Card

2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $79). 1

Product details

  • 3% cash back on eligible gas station, restaurant and office supply store purchases, and on eligible recurring bill payments and 1% cash back on all other everyday purchases for your business 2
  • 25-day interest-free grace period on new purchases 3
  • Suite of comprehensive insurances

Fees, rates & other information 4

Interest rates

19.99% / 22.99%

19.99% on purchases 22.99% on cash advances ^

Minimum credit limit

Up to $150,000 unsecured †

Each supplementary Card

  • Set individualized controls for employees for any and every aspect of business spend, and manage transactions from anywhere
  • Drive efficiency and save time while making informed business decisions with reports and a customizable dashboard
  • Add notes and photos of receipts in one convenient place with digital receipt capture
  • Automatically export Visa card transactions to accounting software like Intuit QuickBooks, Sage Business Cloud and Xero

Visa Spend Clarity for Business

Powerful Spend Management

Manage Visa Business card expenses more efficiently with Visa Spend Clarity for Business , a web-based tool that allows you to track expenses and helps you stay on budget.

  • Insurance coverage

Your card comes with benefits

Save when you shop.

travel insurance with visa credit card

With Visa SavingsEdge *5  receive discounts on your business purchases.

Visa SavingsEdge 5

It’s fast, simple and free to sign up. Just enrol at  visasavingsedge.ca . Then use your card at participating stores and your qualifying5 business purchases will be discounted.

Organize and track business expenses

travel insurance with visa credit card

Spending on your Scotia Momentum for business Visa card is consolidated into one monthly statement. Transactions made by additional Supplementary Cardholders are easily identified on your statement.

travel insurance with visa credit card

Make the most of your card. Consolidate all your recurring payments on your card and turn them into cash back rewards!

Recurring Payments

Recurring payments typically apply to purchases for subscriptions, telecommunication, insurance, gym memberships etc. Not all merchants offer recurring payments for these purchases. Please check with your merchant to see if they offer recurring payments on Visa cards.

Get supplementary cards

travel insurance with visa credit card

Add Supplementary cards for your employees 6 . One account, multiple cards. Added benefits!

Earn More Cash Back Rewards for your Business

You will earn cash back on the purchases made by your Supplementary Cardholders at the same rate that you earn cash back rewards on purchases made on your card.

Remember you will be responsible for transactions made by your Supplementary Cardholders.

Save time at the checkout

travel insurance with visa credit card

Tap your Scotia Momentum for   business  Visa* card for quick easy payments.

Visa payWave*  - Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go! 3

Click to Pay ‡  - Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.

Insurance coverage available with your card 

travel insurance with visa credit card

Travel Emergency Medical Insurance 7

Coverage is provided for eligible persons under age 65 for up to 8 consecutive days and for eligible persons age 65 and older for up to 3 consecutive days.

Travel Emergency Medical Insurance

As a Scotia Momentum for business  Visa cardmember (cardmember includes the primary cardmember and any supplemental cardmember), you, your spouse and your dependent children are each eligible for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada. Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians' and surgeons' fees, as well as other eligible medical services and supplies. The date of departure is counted as the first day. This benefit is subject to an exclusion for pre-existing medical conditions.

If you are under age 65 and are travelling for more than 8 days or if you are age 65 and older and travelling for more than 3 days, you may choose to purchase additional days from the insurer prior to your departure date by calling 1-877-222-7342. You will receive a separate Certificate of Insurance if you choose to purchase this coverage.

Certificate of Insurance

travel insurance with visa credit card

Rental Car Collision/Loss Damage Insurance 7

Charge the full cost of your eligible rental car to your card and you’re automatically insured if your rental is damaged or stolen.

Rental Car Collision Loss Damage Insurance

You are automatically covered by Collision Loss/Damage Insurance when you rent a vehicle in your name, decline the agency's collision damage waiver or loss damage waiver (or similar provision) and use your Scotia Momentum  for   business  Visa Credit Card to pay for the entire cost of the rental. If your rental car is damaged or stolen you are covered for the amount that you are liable to the Rental Agency up to the actual cash value of the vehicle. Note that the rental period cannot exceed 48 consecutive days and vehicles costing over $65,000 are not covered.

travel insurance with visa credit card

Purchase Security & Extended Warranty Protection 7

Most items purchased with your card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.

Purchase Security & Extended Warranty Protection

(Maximum lifetime liability of $60,000)

Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotia Momentum for business Visa Card.

Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage. When you charge the full cost of most items to your card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.

Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase.

travel insurance with visa credit card

Optional Scotia Business Loan Protection Insurance 8

Scotia Business Loan Protection offers you two coverage bundle types:

Basic Protection 

Your coverage includes essential life insurance benefits. With Basic Protection, your business can receive a life insurance benefit of up to $2,000,000 if an insured employee passes away.

Comprehensive Protection

With Comprehensive Protection, your business can receive the following benefits:

  • Life insurance benefits of up to $2,000,000 if an insured employee passes away;
  • Disability benefit paid monthly and equal to 1% 9 of the Comprehensive coverage amount if an insured person becomes disabled;
  • Hospitalization benefit equal to 2% 10 of the Comprehensive coverage amount up to $15,000; or
  • Terminal Illness benefit equal to the outstanding balances 11  on your insured borrowings.

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Offer Description and Conditions:  The Introductory 2.99% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotia Momentum for business Visa credit card accounts (“Accounts”) that are opened by October 31, 2024 subject to the conditions below. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.   

Introductory 2.99% Balance Transfer Rate Offer Description and Conditions:  This introductory 2.99% Balance Transfer Rate Offer (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. The introductory rate applies if the new Account is opened by October 31, 2024 and will continue for 6 months from date of Account opening (the “Promotional Period”).  

After the Promotional Period, the promotional 2.99% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%).  There is no balance transfer fee on balances transferred during the Promotional Period.   

This Offer is subject to any available limit for Cash Advances on your Account. This Offer cannot be used for any Scotiabank account including to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank account.

Losing your promotional rate:  If we don’t pay receive the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional Rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).

How We Apply Payments:  In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

Eligibility and Exclusions:  Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank small business credit card in the past 2 years, including those that switch from an existing Scotiabank small business credit card, as well as employees of Scotiabank, are not eligible for Offer. Subject to the above exclusions, Scotiabank personal credit cardholders are also eligible for the Offer.

Rates and Fees:  The current annual fee is $79 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances. 

All rates, fees, features and benefits are outlined in the Welcome Kit you will receive if approved and are subject to change.

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Best 5% Cash Back Credit Cards of March 2024

Paul Soucy

ALSO CONSIDER: Best credit cards of 2024 || Best cash back credit cards || Best 2% cash back cards || Best 0% APR credit cards

No credit card earns 5% cash back on every single purchase, but a number of cards pay 5% within specific categories, including some of the biggest line items in household budgets. Use one of these cards to quickly rack up cash back at the supermarket, at the gas pump, at restaurants, at the big-box store or elsewhere — or combine two or more of them to earn 5% (or even more) on all kinds of purchases.

Some of our selections for the best 5% cash back credit cards can be applied for through NerdWallet, while others might not. Below you'll find application links for cards from our partners that are currently available through NerdWallet, followed by the full list of our picks.

250+ credit cards reviewed and rated by our team of experts

80+ years of combined experience covering credit cards and personal finance

100+ categories of best credit card selections ( See our top picks )

Objective comprehensive ratings rubrics ( Methodology )

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity .

Show summary

NerdWallet's Best 5% Cash Back Credit Cards of March 2024

Blue Cash Preferred® Card from American Express : Best for Families

Chase Freedom Flex℠ : Best for Rotating categories + cash bonus

Discover it® Cash Back : Best for Rotating categories + cash-back match

Citi Custom Cash® Card : Best for Targeted spending

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card : Best for Big-box store shopping

U.S. Bank Cash+® Visa Signature® Card : Best for Maximum customization

Prime Visa : Best for Amazon Prime members

Ink Business Cash® Credit Card : Best for Office expenses

Best 5% Cash Back Credit Cards From Our Partners

Find the right credit card for you..

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Rotating categories + cash bonus

Rotating categories + cash-back match, targeted spending, big-box store shopping, maximum customization, amazon prime members, office expenses, full list of editorial picks: best 5% cash back credit cards.

Before applying, confirm details on issuer's website.

Blue Cash Preferred® Card from American Express

Our pick for: Families

If your household spends a lot on groceries, gas, transit and streaming, the Blue Cash Preferred® Card from American Express is for you. The rewards it pays in those categories — particularly at U.S. supermarkets and on select U.S. streaming subscriptions — are among the richest of any card. There's a nice welcome offer for new cardholders and an introductory APR period, too. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. Read our review.

Chase Freedom Flex℠

Our pick for: Rotating categories + cash bonus

The Chase Freedom Flex℠ offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. There's a fantastic bonus offer for new cardholders and an intro APR offer, too. Read our review.

Discover it® Cash Back

Our pick for: Rotating categories + cash-back match bonus

The Discover it® Cash Back earns bonus cash back in quarterly categories that you activate. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and specific major retailers. Category activation can be a hassle, but if your spending aligns with those categories (and for most households, it probably will), you can rake in serious rewards. You also get the issuer's signature "cash-back match" bonus in your first year. Read our review.

Citi Custom Cash® Card

Our pick for: Targeted spending

The Citi Custom Cash® Card offers a lot of value for a $0 annual fee: 5% back automatically in your eligible top spending category on up to $500 spent per billing cycle (1% back on other spending). The list of eligible 5% categories is varied and includes biggies like restaurants, grocery stores and more. And unlike with its competitors, there's no activation schedule or bonus calendar to keep track of. Read our review.

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

Our pick for: Big-box store shopping

The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is tailor-made for consumers who spend a lot of money at retailers that don't fit into (or are specifically excluded from) the bonus categories offered by other credit cards. The card also offers a higher-than-usual rate on spending outside its bonus categories. The downside: There's an annual fee. Read our review.

U.S. Bank Cash+® Visa Signature® Card

Our pick for: Maximum customization

If you don't mind putting some work into your rewards, check out the U.S. Bank Cash+® Visa Signature® Card . It might be the most customizable cash back card available. You pick which categories earn the most cash back — you get two 5% categories and a 2% category — and you can change those options every quarter. There's a good bonus offer for new cardholders, too. Read our review.

Our pick for: Amazon Prime members

If you drop a lot of money at Amazon and/or Whole Foods Market, this is the card for you, with 5% back on such purchases, plus bonus rewards at restaurants and gas stations, plus local transit and commuting (including rideshare). There's no annual fee, but you have to be a Prime member, and that does have a fee. Read our review.

Capital One® Walmart Rewards™ Mastercard®

Our pick for: Walmart orders

Walmart's branded credit card is unusual among store cards in that it gives you significantly better rewards for purchases through Walmart.com (and the Walmart app) than for those made in an actual brick-and-mortar Walmart. If you rely on Walmart pickup and delivery for groceries and other necessities, you can rack up rewards quickly. Read our review.

Ink Business Cash® Credit Card

Our pick for: Office expenses

If your business's spending matches the bonus categories on the Ink Business Cash® Credit Card , you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Learn more and apply .

OTHER RESOURCES

5% store cards.

A number of store credit cards suggest that they give you 5% cash back, but in many cases, it might not really be cash back in the commonly accepted sense. It's one of two things:

A 5% discount on purchases. This is how cards like the MyLowe’s Rewards Credit Card and the Target REDcard™ Credit Card work. If you buy something for $100, you get a 5% discount automatically at checkout, so you pay only $95. You don't get any "cash back." It's just $5 that you never have to pay in the first place.

Store credit equal to 5% of your purchase. Credit cards issued by a retailer might give you 5 points per dollar spent or "5% rewards" on purchases, and those points are worth 1 cent apiece ... but you can only use points for more purchases at the store. You can't "cash out."

This leads to a more or less philosophical question: What exactly qualifies as cash back? There's no strict "legal" definition, but in general, cash back is money you get back from your purchases, which you can then use on other things . Discounts at checkout aren't money back , although in practice they do leave you with more cash in your pocket, so they could be considered a close cousin to cash back. Store credit, on the other hand, just creates an obligation to buy more stuff at the store.

If a card lets you literally convert your rewards to cash through a direct deposit to a bank account or even (if you're old-school) a check in the mail, then it's obviously a cash back card. But some cards allow you to use your rewards only for a credit on your statement. Those are essentially cash back cards, too, since they use rewards earned on earlier purchases to pay for other things — and unlike retail cards that require you to come back to the same store, true cash back cards can be used anywhere.

How to choose a 5% cash back card

This was mentioned above, but it bears repeating: No credit card will earn 5% cash back on every single purchase. The 5% rewards will be limited to specific categories, or will be subject to a spending cap, or will apply only at a specific place. Sometimes all three limitations will apply.

That said, choosing a 5% cash back card boils down to how you plan to use it, as well as your appetite for complexity.

Some people want just one card that they can use for everything. If that's you, look at 5% categories (and any potential spending caps) and choose the card that aligns the most with your day-to-day spending. Identify where you're spending the most money, and use that as a guide. If you rarely eat out, for example, then 5% on restaurants will mostly go unused. If you don't drive, you'd get no benefit from a card offering 5% cash back at gas stations for a three-month period.

Some people carry multiple cards and then pick the best one for each individual purpose. If that's you, look at the "holes" in the rewards you're currently earning, and then pick a card that plugs the biggest of those holes. "Electronics stores," for example, might not be a 5% category you need permanently on your everyday card, but if you make one big purchase a year at Best Buy, it may be worth getting a card that allows you to get 5% at electronics stores occasionally.

Some people have no interest in managing their bonus categories. Choosing and activating bonus categories can be a hassle. Forget to do it, and you don't earn 5% at all. If you'd rather not be bothered, stick with a card that doesn't require category activation and that has bonus categories that never change or that automatically adjust your 5% category based on your spending patterns.

Some people love putting in the work to maximize credit card rewards. Hardcore optimizers aren't going to mind selecting, activating and tracking rewards categories. Carrying a dozen or more cards — and knowing which one to use when — is all part of the game. Complexity might even be a benefit of a card's rewards structure, rather than a drawback.

Here's a look at popular 5% cards with these considerations in mind.

To view rates and fees of the Blue Cash Preferred® Card from American Express , see this page .

Information related to the Capital One® Walmart Rewards™ Mastercard® has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

Last updated on March 22 , 2024

Methodology

NerdWallet's Credit Cards team selects the best cash-back credit cards based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of consumers. Factors in our evaluation include each card's cash-back earning rates, rewards structure (such as flat-rate or tiered categories), annual fee, redemption options (including minimum redemption amounts), promotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as loyalty bonuses or the ability to choose one's own rewards categories. Learn how NerdWallet rates credit cards.

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