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• Introduction

Does your auto insurance cover rental cars?

Do your credit card benefits include rental car coverage, when does it make sense to get insurance from the rental agency, how much does rental car insurance cost, related content.

Read more , 4 minutes

Do I need to add insurance when renting a car?

Before you step up to the rental agency counter, here’s how to determine whether the extra protection is warranted.

Read, 5 minutes

“Would you like to add insurance?”

If you’ve ever rented a car, you’ve no doubt been asked this question. And, if you’re like most of us, you may not be sure how to answer. In many cases, you may already be adequately covered by your auto insurance, credit card or other insurance policies. But to be certain you’re making the right choice, here’s what you need to know.

If you already have auto insurance coverage  for collision damage, liability, personal property, theft and other areas, you probably can decline additional coverage. Check your policy or call your insurer to confirm. Ask them to provide details of your coverage. Can anyone else operate the vehicle? Does the coverage extend beyond collision damage? Are the amounts covered adequate for the type of vehicle you plan to rent?

And make sure you find out from the rental agency the amount of the rental car’s deductible—in the event of any damage, that’s the amount you pay out-of-pocket before coverage kicks in.

Article continues below

Key auto insurance types.

Liability insurance provides coverage if you are at fault in an accident that injures another person or damages another vehicle or property. It’s required in most states and helps pay for medical expenses, lost income and repairs.

Uninsured motorist coverage protects you if you're in an accident with a driver who doesn’t have auto insurance.

Underinsured motorist coverage protects you if you're in an accident with a driver whose coverage is insufficient to pay for the damages or injuries caused.

Collision insurance helps pay for repairs to your vehicle regardless of who’s at fault. It also applies if you hit a stationary object such as a utility pole or a tree.

Comprehensive insurance helps cover the costs of damage not caused by a collision—for instance, losses like theft, vandalism, hail or hitting an animal.

Insurance breakdown

This chart shows what coverage types might look like on a policy declarations page. Limits are the maximum amount insurance will cover per person and per accident. Deductibles are the amount you’re responsible for before your insurance starts paying.

Most major credit cards offer some form of rental car insurance for cardholders. To take advantage of it, you usually have to pay for the rental car using the card and rent the car in your name. Credit cards typically cover physical damage to, or theft of, the rented vehicle. They don’t generally cover damage to other cars or property, or any liability that arises, including injuries to people.

The rental car Insurance provided by your credit card company is usually secondary insurance. This means if you get into an accident or the car gets stolen, your auto insurance company gets billed first, and your deductible may apply to the claim. Review your card benefits or call the card issuer to learn about specific terms, conditions and exclusions.

Searching for the right card? Research Bank of America credit card options.

You may want to add insurance if you’re not covered through your personal auto insurance policy or a credit card, or if you want more coverage than either provides. You also might consider it if you’re concerned about the potential of paying a deductible—or possibly increasing your auto insurance rate—if you damage a rental car.

If you do decide to purchase additional insurance from the rental company, be sure to ask about what’s included and excluded from the coverage, and which drivers are covered. Carefully consider if the expense of more insurance is in line with the risk of an accident.

What types of insurance do car rental companies offer?

The most common types of rental car insurance include:

Loss-and-damage waiver (LDW) waives your financial responsibility for any loss or damage incurred to the rental vehicle, provided you have not violated the rental agreement’s terms and conditions.

Supplemental liability protection covers damage you may do to other vehicles or property.

Personal accident protection covers medical costs if you or any passengers are involved in an accident.

Personal effects coverage helps pay for any belongings that may be stolen from your rental car. Your homeowner’s or renter’s insurance may offer similar coverage.

Rental car insurance isn't the same as rental car reimbursement coverage. The second is an auto policy option that pays for a replacement rental car while yours is being repaired following an accident.

Prices vary, but full coverage typically ranges from about $20 to $50 per day. If you choose to shop a la carte, here’s about how much each type of coverage may cost. Be sure to consult your car rental agreement for exact costs.

Per day Collision/loss damage waiver

Per day Liability

Per day Personal accident

Per day Personal effects coverage

It's also possible to purchase rental car insurance through a third party at lower rates. In most cases, though, the best option is to use your own auto insurance policy.

Although it’s easy to give a simple “yes or no” on the spot when you’re picking up your car, the decision to accept or decline additional rental insurance can have real financial implications. Be sure to understand your existing coverage before you rent, so that when you walk up to the counter, you’ll know what you might need—and what you definitely don’t.

The material provided on this website is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damage resulting from one’s reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional when making decisions regarding your financial or investment management. ©2024 Bank of America Corporation.

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Bank of America credit cards often provide a wide range of benefits to cardholders. Some cards offer travel benefits such as rental car insurance that could come in handy on your next trip.

Paying for a rental car with a credit card that offers this insurance could help you save money and provide you with essential coverage at the same time. Let’s dig into the details of how Bank of America credit card benefits work with rental cars.

Key takeaways

Bank of america credit cards with rental car benefits, tips for renting a car with a credit card, other cards to consider, bottom line.

• Certain Bank of America credit cards offer rental car insurance coverage. This includes the Bank of America ® Travel Rewards credit card , the Alaska Airlines Visa Signature ® Credit Card , the Bank of America ® Premium Rewards ® credit card , and the Bank of America ® ️ Premium Rewards ® Elite Credit Card .
• The coverage provided by these cards is typically an auto rental collision damage waiver, which helps cover damage due to collision or theft of the rental vehicle.
• The Bank of America ® ️ Premium Rewards ® Elite Credit Card offers primary rental car insurance coverage, which means you don't need to make a claim with any other insurance policy before using this benefit.
• The Bank of America ® Travel Rewards credit card, the Alaska Airlines Visa Signature ® Credit Card, and the Bank of America ® Premium Rewards ® credit card offer secondary coverage, meaning it kicks in after any other applicable insurance has been used.

Bank of America credit cards that offer travel rewards may also offer car rental insurance. But it’s likely best to check your card benefits guide or contact your benefit administrator to see whether this is actually the case before using your card to make a car rental purchase.

However, it’s certain that these Bank of America cards offer rental car insurance coverage:

Bank of America ® Travel Rewards credit card

• Alaska Airlines Visa Signature ® Credit Card
• Bank of America ® Premium Rewards ® credit card
• Bank of America ® ️ Premium Rewards ® Elite Credit Card

These cards are geared toward earning and redeeming travel rewards, so having this added benefit makes sense. Here’s how the two cards’ car rental insurance benefits compare against each other.

Bank of America ® Travel Rewards credit card rental car benefits

The Bank of America Travel Rewards offers car rental insurance in the form of an auto rental collision damage waiver. This type of waiver typically means you’re covered against damage due to a collision or theft of the vehicle.

This card’s rental insurance benefit is secondary. This means it will only take effect after a claim has been made with any other applicable insurance, which could include your personal car insurance company.

Other notable card benefits include:

• Sign-up bonus: Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Earning rate: 1.5 points per $1 spent on all purchases
• Intro APR offer: 0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days (then 18.24% - 28.24% Variable)

This card has a $0 annual fee. Check out our Bank of America Travel Rewards credit card review for more details.

Alaska Airlines Visa Signature ® Credit Card rental car benefits

The Alaska Airlines Visa Signature offers rental car insurance in the form of an auto rental collision damage waiver. This insurance is secondary to any other type of applicable insurance you might have and covers against damage due to a collision or theft of a vehicle.

• Sign-up bonus: Earn 70,000 bonus miles and a Companion Fare ($99 fare plus taxes and fees from $23) after making $3,000 or more in purchases within the first 90 days of opening your account (limited time offer).
• Earning rate: 3X miles on eligible Alaska Airlines purchases; 2X miles on eligible gas, EV charging stations, cable, streaming services, and local transit (including ride shares, trains, tolls, and ferries); and 1X miles on all other eligible purchases
• Alaska’s Famous Companion Fare: Receive a companion fare each account anniversary that lets you book a companion flight from $122 on any Alaska Airlines flight booked on alaskaair.com

This card has a $95 annual fee. Read our Alaska Airlines Visa Signature review for more information.

Bank of America ® Premium Rewards ® credit card rental car benefits

The Bank of America Premium Rewards also offers car rental insurance in the form of an auto rental collision damage waiver. This secondary insurance applies after any other insurance you have has already taken effect.

• Sign-up bonus: Earn 60,000 online bonus points (a $600 value) after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earning rate: 2 points per $1 on travel and dining purchases and 1.5 points per $1 on all other purchases
• Travel statement credits: Receive up to $100 in statement credits for qualifying purchases such as airport lounge fees, baggage fees, seat upgrades, and more.

This card has a $95 annual fee. Check out our Bank of America Premium Rewards review for more details.

Bank of America ® ️ Premium Rewards ® Elite Credit Card rental car benefits

The Bank of America Premium Rewards Elite also offers an auto rental collision damage waiver benefit that covers rental car damage due to a collision or theft.

This card’s rental insurance benefit is primary, so you likely wouldn’t have to make a claim with any other insurance policy before this benefit kicks in. This auto rental collision damage waiver offers up to $75,000 in coverage (up to the actual cash value of most rental cars).

• Sign-up bonus: Earn 75,000 online bonus points (worth $750) after spending $5,000 in the first 90 days of account opening.
• Earning rate: 2X points on travel and dining, and 1.5X points on all other purchases.
• Statement credits: Receive up to $550 in statement credits, including $150 annually for lifestyle services, $300 annually for airline incidental expenses, and $100 every four years toward a Global Entry or TSA PreCheck application fee.

This card has a $550 annual fee.

Consider these tips to help improve your experience if renting a car with a credit card.

How it works

Using a credit card’s rental car insurance benefit is often straightforward, but you typically have to follow these steps to ensure you have coverage:

• Pay for the entire rental using your applicable credit card.
• Decline the collision damage waiver if offered by the rental car company.
• Finish and sign the rental agreement.

Keep in mind that different rental agencies could have different terms and conditions, especially in international locations. This could include requiring proof that your credit card company’s insurance benefit will actually cover the car rental. In this case, you might have to contact your credit card company before your trip to receive a confirmation letter or email.

What happens if you’ve followed the above steps and are involved in a covered incident with a rental car? You typically need to fill out a claim form provided by your credit card company or benefit administrator to submit a car insurance benefit claim.

Primary vs. secondary insurance

Primary coverage is considered a much better benefit than secondary coverage. If you have a covered accident in a rental car, you could immediately file a claim with primary coverage benefits.

But secondary coverage typically only covers anything your primary insurance provider doesn’t pay. Your primary insurance is often your personal car insurance policy. Having to first file a claim with your auto insurance could mean paying a deductible and an increase in your car insurance premiums.

Who’s covered?

It depends on the card, but typically the cardholder (primary renter) and any friends or family members listed as additional drivers on the rental car agreement receive coverage.

What’s covered?

Most credit card rental insurance benefits cover damage due to collision or theft. This isn’t liability or any other type of insurance unless specifically stated in your credit card benefits.

For example, certain cards might offer reimbursement for towing charges and other similar charges in addition to covering damage or theft of a rental vehicle.

What’s not covered?

It depends on the terms and conditions of your card’s benefits, but injuries and loss or theft of personal belongings might not be covered. Any type of car share service such as Turo is also typically excluded from these types of benefits.

Additionally, check your card’s benefit to see how much coverage is offered. A vehicle that’s over the coverage limit might not be covered. Further exclusions could include non-standard vehicles such as exotic cars, antique cars, motorcycles, limousines, and other types of vehicles.

Keep in mind that credit card rental insurance typically only covers rentals of up to around 28 days, though it could depend on the card and the rental country.

For example, Visa Infinite credit cards such as the Premium Rewards Elite typically provide primary coverage for rentals of up to 15 consecutive days within your country of residence and 31 days abroad. Countries where credit card rental insurance and similar services might not work include:

• New Zealand
• Northern Ireland
• The Republic of Ireland

Should you take the rental car company’s insurance?

You might want to take the rental car company’s insurance if it’s a reasonable price and gives you some peace of mind. But it’s typically not a reasonable price when you buy it from a rental car company.

You could save money if you use a credit card that offers primary rental car coverage. It likely makes more sense to use this strategy if you already have a card that offers this benefit.

The right travel card for you is the one that matches your interests and spending habits, allowing you to earn valuable rewards and travel the way you like — for less. Learn more about these top cards and choose what's best for you.

If these Bank of America credit cards don’t make sense to you, compare credit cards using our dedicated page with top offers. Here are three specific card options to consider from other credit card issuers.

Chase Sapphire Preferred ® Card

The Chase Sapphire Preferred ® Card offers primary car rental coverage and is often considered one of the best credit cards for travel. It has a $95 annual fee but offers opportunities to earn valuable Chase Ultimate Rewards points.

Other available travel insurance and purchase benefits include trip delay reimbursement, trip cancellation or interruption insurance, purchase protection, and extended warranty protection.

Check out our Chase Sapphire Preferred review for more details.

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card also offers primary car rental coverage. It has a $395 annual fee that could easily be offset by the card’s earning potential and benefits. Notable perks and benefits include a $300 annual travel credit, 10,000 anniversary miles, and a complimentary Priority Pass Select membership.

Read our Capital One Venture X review to learn more.

The Platinum Card ® from American Express

The Platinum Card ® from American Express offers secondary car rental coverage. This isn’t the end of the world because American Express has a Premium Car Rental Protection optional service available for American Express credit cards.

This service typically costs a flat rate of up to $24.95 total for primary coverage of rentals of up to 42 consecutive days. This could include up to $100,000 of coverage for damage or theft of a rental car.

Using this service could be an easy solution if you like the benefits of the Amex Platinum card. The perks could potentially make up for the $ 695 annual fee.

Check out our American Express Platinum credit card review for more information.

Can you get a rental car with a Bank of America credit card?

Yes, you can get a rental car with a Bank of America credit card. Bank of America credit cards typically use the Visa or Mastercard card networks, which are often accepted by most rental car agencies. These cards also offer rental car insurance:

• Alaska Airlines Visa Signature ® Credit Card (secondary)

What is Bank of America Premium Rewards?

Bank of America Premium Rewards is a credit card offered by Bank of America. This and other Bank of America credit cards provide opportunities to participate in the Bank of America Preferred Rewards® program. You could earn 25% to 75% more rewards on your purchases through Preferred Rewards.

Does Bank of America Premium Rewards cover rental car insurance?

Yes, the two Bank of America Premium Rewards credit cards cover rental car insurance. This includes the Bank of America Premium Rewards credit card with secondary coverage and the Bank of America Premium Rewards Elite Credit Card with primary coverage.

Using the right Bank of America credit card for a rental car purchase could provide you with helpful car insurance protection. Keep in mind that many credit cards offer secondary coverage, though the Bank of America Premium Rewards Elite Credit Card offers primary coverage.

Check out credit card offers from our list of the best travel credit cards for more cards with car rental insurance benefits.

Easy-to-Earn Unlimited Rewards

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

• Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
• Earn 1.5 points per $1 spent on all purchases
• Longer intro APR on qualifying purchases and balance transfers
• No foreign transaction fees
• Best for Bank of America customers
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

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By phone To redeem your credit card rewards by phone, call 800.434.8313 and select option 2 (Mon-Fri 9 a.m.-9 p.m. ET).

Certain cash rewards redemption options have no minimum requirements, and you can start redeeming after your first billing cycle. Points rewards redemption options start at 2,500 points. Log in to Online Banking to access your Rewards Program Rules for specifics.

The guide to benefits that was sent to you with your credit card contains all the benefits details. If you need to obtain a copy of your benefits guide, please call the number on the back of your credit card.

For specific information regarding the travel benefits that come with your credit card, please refer to the benefits guide you received with your card. You may also contact us at the toll-free number on the back of your card for benefits information and to request a copy of your benefits guide.

To discuss benefits, call 800.592.4089 (outside the U.S., call 804.673.1468 collect).

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Key takeaways

• The Bank of America® Premium Rewards® credit card offers a variety of travel benefits and protections, including trip delay reimbursement and emergency assistance services.
• The card also offers purchase protections and extended warranties that could give you peace of mind while shopping.
• Bank of America customers with a Preferred Rewards membership can maximize the card's potential and earn 25 percent to 75 percent more in rewards points.

Although the Bank of America® Premium Rewards® credit card isn’t as popular as other travel credit cards at this level, there are plenty of reasons to consider it. Not only does it offer 2X points on travel and dining purchases, but cardholders also earn a flat rate of 1.5X points on all non-bonus spending. Those who apply and are approved can also earn a generous welcome offer, 60,000 points after spending $4,000 in the first 90 days, and an array of Bank of America Premium Rewards card benefits — which can make the offer an even better deal.

If you’re curious about which perks you’ll get with the Bank of America Premium Rewards card and how everything works, read on to learn more.

Bank of America Premium Rewards credit card travel benefits

While the Bank of America Premium Rewards credit card doesn’t let you transfer your points to airline and hotel partners like some other travel credit cards do, you can redeem your rewards for cash back in the form of a statement credit , a deposit into an eligible Bank of America or Merrill account, gift cards or travel through the Bank of America Travel Center.

You also get a handful of helpful travel perks just for being a cardholder.

No foreign transaction fees

Up to $100 in statement credits for airline incidentals, up to $100 in statement credits for global entry or tsa precheck, bank of america premium rewards card travel protections.

The Bank of America Premium Rewards credit card also comes with a number of travel insurance benefits and protections, including the following:

Trip delay reimbursement

Trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, travel and emergency assistance services, emergency evacuation and transportation coverage, secondary auto rental coverage, roadside dispatch, bank of america premium rewards card purchase protections.

The Bank of America Premium Rewards credit card offers quite a few purchase protections that will automatically apply to eligible purchases you charge to your card.

Purchase protection

Return protection, extended warranties, maximizing the bank of america premium rewards card.

Since the Bank of America Premium Rewards credit card bases the rewards you earn on your spending, maximizing its benefits involves using it for all of your purchases and bills. You should aim to use it for dining and travel purchases specifically, since you can earn an elevated rate of 2X points for each dollar spent. From there, using it for other purchases you need to make can help you rack up 1.5X points per dollar spent on a regular basis.

Also note that Bank of America Preferred Rewards members can earn 25 percent to 75 percent more rewards for using this card or other qualifying Bank of America rewards cards. Ultimately, this means eligible cardholders with the Bank of America Premium Rewards credit card could earn 2.5X to 3.5X points for every dollar spent on travel and dining purchases and 1.87X to 2.62X points for every dollar spent elsewhere.

This free program is for Bank of America customers who have an active, eligible Bank of America account and a three-month combined average daily balance of $20,000 or more in eligible Bank of America or Merrill accounts. Bank of America will automatically enroll you in the program once these requirements are met.

When it comes to using the Bank of America Premium Rewards card benefits shared in this guide, remember that you’ll need to pay with your credit card to qualify. If you pay with another credit card, you won’t be eligible for purchase protections or travel insurance benefits on those transactions.

The bottom line

The Bank of America Premium Rewards credit card isn’t as well known as some other travel cards, but there’s much more to it than meets the eye. In addition to its generous earning rate and welcome offer, cardholders will get quite a few perks along the way.

Even so, it never hurts to compare this card to the benefits offered by other top travel credit cards . With some basic research, you can find a travel credit card that checks off the boxes you care about the most.

Information about the Bank of America Premium Rewards credit card was updated on November 8, 2023.

Why I love the Bank of America Premium Rewards credit card

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Bank of America Premium Rewards credit card review

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We are currently updating our systems to bring enhanced features to the online rewards experience. As a result, this website is temporarily unavailable. Rewards redemption will not be accessible until late afternoon on May 20. Thank you for your patience.

En este momento, estamos actualizando nuestros sistemas para incorporar características mejoradas a la experiencia de recompensas en línea. Como resultado, este sitio web se encuentra temporalmente fuera de servicio. El canje de recompensas no estará disponible hasta las últimas horas de la tarde el 20 de mayo. Gracias por su paciencia.

Important Notice

We are in the process of converting your BankAmericard Privileges ® with Travel Rewards credit card to a BankAmericard Travel Rewards ® credit card. As a result, you will not be able to access the rewards site at this time. Thank you for your patience.

Your BankAmericard Privileges ® with Travel Rewards credit card has recently been converted to a BankAmericard Travel Rewards ® credit card. Please visit bankofamerica.com to access your new rewards site and find out what your new credit card program has to offer.

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Bank of America card benefits

These perks can help you get even more value from your Bank of America credit card

Published: March 11, 2022

Author: Erica Lamberg

Author: Erin Bendig

Editor: Claire Dickey

Reviewer: Aja McClanahan

How we Choose

No matter which card you carry, your Bank of America card is likely packed with benefits that can stretch its value.

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.

Bank of America-related content was last updated on March 10, 2022.

Bank of America credit cards offer many top-notch rewards that appeal to all kinds of consumers, including travel benefits and protections. What’s also notable is that most Bank of America cards feature no annual fee, so you’ll be able to enjoy the benefits without having to worry about offsetting an additional yearly cost.

Loyal cardholders are also potentially available to take advantage of Bank of America’s Preferred Rewards program , bringing even more value to their card in ways such as enhanced rewards, client services and more.

• What benefits are available to Bank of America cardholders?

Bank of America continues to be a top choice for consumers who want a combination of rewards benefits, unique offers and valuable services. If you have a Bank of America credit card in your wallet, here are some perks you can begin to enjoy today.

Travel protections

If you’re planning on traveling, you’ll likely want to utilize your Bank of America Rewards card to take advantage of protective travel benefits , saving you the cost and hassle of booking extra travel insurance.

Protections vary based on your specific Bank of America card, but perks might include trip cancellation or trip interruption insurance, trip delay insurance, baggage insurance and car rental protections. You can find the specific terms for your protections in your Bank of America benefits guide. The Bank of America® Premium Rewards® credit card , in particular, offers the most extensive benefits.

Bank of America Premium cardholders will be reimbursed for eligible delayed, interrupted or canceled trips. When you pay for a trip with your eligible card, for example, you’ll receive up to $500 per ticket if a covered trip is delayed for more than 12 hours.

Furthermore, if you book airfare with your Bank of America Premium Rewards Card, you’ll be eligible for baggage coverage. This benefit offers $100 a day for up to five days, which will help cover additional clothes or toiletries needed until you receive your baggage. Furthermore, if emergency transport is needed, there is coverage for eligible services for both you or an immediate family member.

Rental car protection and road assistance

The Bank of America Premium Rewards card and Bank of America® Travel Rewards credit card both come with car rental protections. When renting a car, you can decline certain protections offered by the car rental carrier as your qualifying Bank of America credit card offers an auto rental collision damage waiver. This perk provides you reimbursement for damage due to theft or collision of your rental car, saving you more money in the long run.

Purchase protection perks

The Bank of America retail protection benefits also vary by card. Again, the best pick among all the options in the Bank of America card portfolio is the Bank of America Premium Rewards card.

This card offers a noteworthy purchase security benefit. You’ll be reimbursed for the cost of an eligible item if you’re not satisfied with it within 90 days of your purchase and the retailer or merchant will not accept your return. This coverage caps at $250 per item and $1,000 per year.

Preferred Rewards program

Taking advantage of the Bank of America Preferred Rewards program will allow you to take your rewards to the next level. To qualify for this invite-only program, consumers must have an eligible Bank of America checking account with a minimum three-month combined average daily balance of $20,000 or more across accounts. With the program, you can earn bonus credit card rewards based on your combined qualifying balances in Bank of America banking accounts and Merrill investment accounts.

There are now five tiers in the Preferred Rewards program:

• Gold – $20,000 to $49,999
• Platinum – $50,000 to $99,999
• Platinum Honors – $100,000
• Diamond – $1 million – $9,999,999
• Diamond Honors – $10 million+

These thresholds are quite lucrative: Gold members receive a 25% bonus on rewards, and the bonus rate goes up to 50% for the Platinum tier and 75% for the Platinum Honors tier. ​​Diamond and Diamond Honors members also receive a 75% bonus on rewards.

In short, cardholders have the opportunity to earn 25% to 75% more rewards on every purchase.

Currently, eligible credit cards are the Bank of America Premium Rewards, Bank of America® Customized Cash Rewards credit card , the Bank of America® Premium Rewards® credit card  and Bank of America Travel Rewards credit card. (Be aware, business credit cards, co-branded Bank of America credit cards and non-rewards credit cards are not included in the Preferred Rewards program.)

Bank of America Museums on Us program

Offering free admission to more than 225 participating museums and cultural attractions across the U.S. during the first full weekend of each month, the Bank of America Museums on Us program offers tremendous value to cardholders. Venues include museums, botanical gardens, aquariums, zoos and science centers in dozens of cities across the country.

Bank of America’s 2022 participant list includes the Metropolitan Museum of Art in New York City, the San Diego Museum of Art and the Reginald F. Lewis Museum of Maryland African American History & Culture in Baltimore, among others.

Cardholders just need to present their credit card and a valid photo ID to gain one free general admission to any participating institution. Admission is limited to the cardholder only and guests are not eligible.

• Getting the most out of your Bank of America card

The first step to reaping all the benefits from your Bank of America rewards card is to download the Bank of America app, where a dashboard will outline your benefits. Travel protections and retail protection benchmarks can be easily accessed from your membership page (where you can also track your rewards). It’s important to recognize that benefits vary from card to card, and some perks – like access to the Preferred Rewards program – mandate specific requirements and vary by asset tier.

How the Preferred Rewards program can improve your earnings

As discussed above, you can improve your earnings and get the most out of your Bank of America rewards card through Bank of America’s Preferred Rewards program.

For example, on average, Gold tier members making purchases with the Bank of America Customized Cash Rewards card can increase their cash back to 2.04%, beating out similar cards on the market. Depending on your Preferred Rewards program status tier, the cash back earned in a specific category of your choice with the Customized Cash would go from 3% to between 3.75% and 5.25%, while the 2% earned at grocery stores would jump to between 2.5%  and 3.5%. (Note, of course, the Customized Cash card’s cap of up to $2,500 in combined 3% and 2% category purchases each quarter, then 1%.)

Bottom line

No matter which card you carry, your Bank of America card is likely packed with valuable benefits – including perks like travel protection, retail protection and free entry to participating museums, zoos and more.

Editorial Disclaimer

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.

Erica Lamberg is a business, and travel writer whose work also appears in Gannett, US News & World Report, MSN, The Ladders, Reader’s Digest and NBC News. She is based in suburban Philadelphia.

Erin Bendig Erin pairs personal experience with research and is passionate about sharing credit card information and personal finance advice with others.

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BankAmericard benefits guide

The BankAmericard offers many compelling rewards and benefits, including 18 billing cycles of 0% APR promotional financing on both new purchases and balance transfers (followed by 12.99% to 22.99% variable APR). You can also receive a $100 statement credit if you meet the spending requirement, plus access to other valuable benefits. 

BankAmeriDeals program guide

Bank of America credit and debit card holders can earn extra cash back on everyday purchases with BankAmeriDeals.

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Is the Bank of America Travel Rewards card worth it?

Key takeaways.

• The Bank of America® Travel Rewards credit card is worth it to cardholders who seek simplicity and easy rewards.
• The card is not worth it for people who like to maximize rewards or prefer to transfer points to their preferred airline or hotel chain.

There are dozens of travel credit cards to choose from, but the Bank of America® Travel Rewards credit card stands out for a few reasons. At first glance, several features deserve a callout, including the lack of an annual fee, intro APR offer on purchases and no foreign transaction fees. The 25,000-point welcome bonus, earned after spending $1,000 within 90 days of account opening, is also worth mentioning.

As you dig a little deeper, the rewards structure might seem rather uninspired, especially compared to other travel credit cards : You earn an unlimited 1.5X points on every purchase. However, depending on the spender, the card’s simple rewards structure could be considered a disadvantage of a perk. Keep reading to find out if the Bank of America Travel Rewards card is worth it for you.

When is the Bank of America Travel Rewards card worth it?

The Bank of America Travel Rewards card offers plenty of benefits for consumers, even if it doesn’t look exactly like other travel credit cards or programs.

If you prefer a simple rewards structure

The card rewards you with unlimited 1.5X points on every purchase. That means you earn points no matter where you make your purchase or which category your purchase falls under. Travel booked through the Bank of America Travel Center also earn 3X points. As an added bonus, your points never expire.

The welcome bonus is also easy to earn — spend $1,000 in purchases within 90 days of account opening to receive 25,000 points. For most cardholders, $1,000 is an attainable number that won’t require you to spend far above your budget. The best part is that there’s no annual fee , so you do not have to strategize your spending or work hard to maximize the card to make up for a high annual fee. You can simply swipe the card on every purchase and wait for the rewards to pile up.

If you have a Bank of America or Merrill bank account

Existing Bank of America or Merrill customers or those interested in banking with them may find the Bank of America Travel Rewards card highly lucrative because of the Bank of America Preferred Rewards program. By joining, you can earn an additional 25 percent to 75 percent in rewards for each dollar you spend.

Although there is no fee to join the program, you have to meet minimum balance requirements for at least three months to qualify. To receive a 75 percent boost on your 1.5X points rate, making your rewards rate 2.625X points, you would need to become at least a Preferred Rewards Platinum Honors. This tier requires a minimum $100,000 balance across your accounts. If you’re able to take advantage of this program, it could add a substantial boost to your rewards.

If you’d like to redeem rewards for travel or dining

The Bank of America points you receive can be used for the standard redemptions such as statement credit, gift cards, check or direct deposit into a Bank of America or Merrill account. However, one special feature this rewards program offers is that you can redeem your rewards for statement credits retroactively, on eligible travel and dining purchases, for up to 12 months of your purchase date.

This essentially means that you can spend your rewards on travel booked through third-party websites or directly with the airline or hotel, instead of restricting redemptions to only travel reservations made through the issuer’s online portal. Plus, the travel and dining categories actually have a broad definition.

Here are a few examples of the wide range of redemption options for travel:

• Flights, including baggage fees
• Hotel stays
• Vacation rentals
• Travel agencies
• Car, boat and truck rentals
• Cruise lines
• Tourist attractions
• Campgrounds

Restaurant redemption also covers more than you might expect, including:

• Restaurants
• Bars and taverns

Each point is worth 1 cent each when you redeem it for a qualifying travel or restaurant category. However, for gift card redemptions the value goes down to 0.6 cents, giving you far less bang for your rewards buck.

0% introductory APR offer

Anyone seeking to buy an expensive item — a laptop, treadmill or a sectional for the living room — or planning to pay off balances racked up from other credit cards would appreciate the Bank of America Travel Rewards card’s introductory offer. The card carries a lengthy intro APR on purchases and balance transfers. Note, balance transfers must be made in the first 60 days to receive the introductory rate, and a 3 percent balance transfer fee applies to all transferred balances.

If you want useful travel perks

Naturally, you would expect a travel rewards card to limit the fees for those traveling overseas. This is true of the Bank of America Travel rewards card, as it doesn’t charge any foreign transaction fees . In other words, you can swipe your card outside of the United States without generating fees for doing so.

The card is also a Visa Signature card , which entitles you to a host of benefits, which include a variety for travel such as:

• Visa Signature concierge services
• Auto rental collision damage waiver
• Roadside dispatch
• Travel and emergency assistance

When is the Bank of America Travel Rewards card not worth it?

Before signing up for the card, be sure to consider your own financial priorities. There are potential downsides to the card, too, which make it unsuitable for certain types of cardholders. If the following scenarios apply for you, you’d be better off applying for a different card.

If you want to join a robust travel program

Despite the name, the Bank of America Travel Rewards card does not offer much in terms of actual travel features. There is a travel portal where you can book flights, hotels and car rentals, but the issuer has no airline or hotel partners to which you can transfer rewards.

That means there is no way to maximize rewards potential by transferring points to travel partners. And your points are not worth more, per point, when redeemed on the travel portal as opposed to using them for statement credits toward eligible travel and dining purchases. For both redemption options, one point is worth 1 cent.

With inflation affecting travel prices , rewards from a more robust travel program, such as Chase Ultimate Rewards or American Express Membership Rewards , may bring you more value.

Should you get the Bank of America Travel Rewards card?

If you’d like to earn simple, reliable rewards while paying off debts from other credit cards or a large purchase, the Bank of America Travel Rewards card is a good card to keep in your back pocket. The introductory APR allows you to focus your payments on your balances, without charging you high interest. Any purchases you make here and there would earn 1.5X points on all purchases in any category.

However, as the only card in your wallet or the only travel credit card you have, the Bank of America Travel Rewards card may not be worth it. If you put all your expenses on it, you’ll amass a decent amount of rewards. But it may be difficult to maximize their value without being able to transfer to any hotel or airline partners (or receive a boost in rewards value when making travel bookings via the Bank of America Travel Center).

The bottom line

The Bank of America Travel Rewards card works best for someone who craves flexibility and a rewards structure that is easy to keep track of.

What this card lacks in a travel portal and boosted earnings, it makes up for in low (or no) fees and intro APR offers on purchases and balance transfers.

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Credit Cards

Why I got the Citi Custom Cash Card this year instead of another travel rewards card

Kevin Payne

Julie Sherrier

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

Robin Saks Frankel

Published 6:27 a.m. UTC March 27, 2024

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megaflopp, Getty Images

Citi is a Blueprint partner. 

I love travel rewards . They have played a pivotal role in our family’s travel plans for over a decade. We’ve redeemed countless points and miles for flights, hotel stays, vacation rentals, Disney World tickets and other travel experiences. 

As a credit card writer, I’ve covered a wide range of cards over the years. While I’ve reviewed and written about dozens of cash-back cards, it wasn’t until this year that I added one to my wallet. I was recently approved for the Citi Custom Cash® Card . Although it’s not the flashiest card, it’s been a godsend this year. 

Here’s why I opted for Citi Custom Cash instead of another travel rewards card. 

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Citi Custom Cash® Card

Welcome bonus.

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

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

• No annual fees.
• Easy-to-redeem cash-back rewards.
• Introductory APR period.
• Charges foreign transaction fees.
• There’s a balance transfer fee.
• Limited cash-back reward categories.

Card Details

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou ®  Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.

It comes with an attractive intro APR offer 

The primary reason I decided to get the Citi Custom Cash Card was its intro APR offer. It comes with a 0% intro APR for the first 15 months on purchases and from the date of the first transfer for balance transfers within the first four months. After that, the variable APR will be 19.24% to 29.24%. There is a balance transfer fee of 5% of each balance transfer with a $5 minimum.

I had no interest in doing a balance transfer and, normally, an intro 0% interest rate wouldn’t matter because I pay my balances on time and in full each month. However, I knew our family had several large financial obligations coming up. Having the option to finance those purchases for up to 15 months without incurring interest charges provided additional flexibility if we needed it. 

Have your eye on a Citi card with a balance transfer offer? Here’s how to do a balance transfer with Citi .

It earns elevated cash-back rewards across a range of eligible categories

While plenty of cash-back cards feature intro APR offers, what drew me to the Citi Custom Cash was its unique bonus rewards structure. Cardholders earn 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 spent each month and 1% cash back on all other purchases.

These are the 10 eligible spending categories where you can earn 5% cash back, up to the $500 monthly billing cycle maximum:

• Restaurants.
• Gas stations.
• Grocery stores.
• Select travel.
• Select transit.
• Select streaming services.
• Drugstores.
• Home improvement stores.
• Fitness clubs.
• Live entertainment.

Our monthly budget almost always includes several of these categories, so it’s easy for us to max out our rewards potential every billing cycle. The best part is that I don’t have to activate or opt into these categories or track my rewards. Citi automatically assigns the bonus cash back designation to my top eligible spend category each month. 

It features an easily attainable bonus offer 

Earning welcome bonuses is one of the simplest ways to earn a ton of rewards quickly. Typically, you have to meet a specific spending requirement within a certain time period to earn that bonus. With the Citi Custom Cash Card, you’ll earn $200 cash back, in the form of 20,000 ThankYou points, after spending $1,500 on purchases in the first six months of account opening. 

While that’s not the lowest spending requirement I’ve seen to earn a bonus, I hit the mark in the first month without straying from our typical monthly spending. That’s a nice chunk of cash back in my pocket for purchases our family was going to make anyway.

It has no annual fee

There’s nothing wrong with paying an annual fee, especially if you get enough value from a card’s rewards and benefits to offset the cost. But it’s also nice to have in your wallet a valuable credit card that doesn’t charge an annual fee . 

The Citi Custom Cash doesn’t offer many extra benefits, so it’s hard to say if I would value it as much if it included a yearly fee. 

How I am using Citi Custom Cash as part of my overall credit rewards strategy

So far, I’ve only redeemed rewards earned from Citi Custom Cash as statement credits, but it offers other redemption options, such as cash back via direct deposit or check, gift cards, travel and Shop with Points at Amazon.com. 

Cash back rewards come in the form of ThankYou® points . And, because I already have the Citi Premier® Card * The information for the Citi Premier® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , Citi lets me pool my points together and take advantage of another valuable redemption option—point transfers to Citi’s hotel and airline transfer partners.

Wondering how to use your Citi ThankYou points for travel? Read our complete guide to the ThankYou travel portal .

The Citi Custom Cash offers few additional card benefits beyond its rewards and intro APR offer. But because I have multiple rewards credit cards, I can already access a full suite of perks, like travel and consumer protections, annual credits, partner perks and elite status upgrades. I don’t need those types of benefits from my new cash-back card. 

It’s not a perfect card by any means. The bonus cash back is capped at the first $500 in your top eligible spending category each billing cycle. So far, we’ve maxed out our bonus cash back potential every cycle. The base cash-back rate on all other purchases is low, so I use the Citi Custom Cash for spending in a specific category and rely on other cards with higher rewards rates when spending in other categories. 

The Citi Custom Cash does charge a 3% foreign transaction fee, but since I have several other rewards cards that don’t charge a fee for international purchases, it’s not a dealbreaker.

Final verdict

Cash-back rewards like those earned with the Citi Custom Cash don’t get much love from travel rewards enthusiasts because they’re perceived to offer less value. But regardless of point valuations and the perceived “best” way to earn and redeem rewards, value is in the eye of the beholder. 

Often, it’s better to survey your current circumstances to see if there might be a credit card that fits your needs better than those generally regarded as the best rewards cards. By adding the Citi Custom Cash to my wallet, I have a more diverse card selection to choose from without having to pay another annual fee. 

Read more: How to choose the right credit card for you .

*The information for the Citi Premier® 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.

Kevin Payne is a personal finance and travel writer who covers credit cards, banking, and other personal finance topics. In addition to Forbes, his work has been featured by Bankrate, Fox Business, Slick Deals, and more. He is the budgeting and family travel enthusiast behind Family Money Adventure. Kevin lives in Cleveland, Ohio with his wife and four kids.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

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.

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The Best Travel Insurance for Students

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Table of Contents

What does travel insurance for students cover?

How much does travel insurance for students cost, travel guard: best for budget travelers, world nomads: best for adventurers, allianz: best for premier travel benefits at a lower cost, geoblue navigator for students: best study abroad health insurance, more tips for purchasing study abroad travel insurance.

If you’re a student who’s planning to travel internationally or study abroad, it’s a good idea to go prepared with comprehensive student travel insurance. But where do you find plans tailored to your unique needs?

These companies offer some of the best options for travel insurance for students, whether you’re globe-trotting for a week, a semester or a whole year.

Student travel insurance can vary from plan to plan. But there are a few things you should look for whether you’re an exchange student, studying abroad or simply planning an international trip between classes.

Trip cancellation insurance : This coverage reimburses you for any prepaid, nonrefundable costs of your trip should you have to cancel for any unexpected circumstances covered by your selected policy. 

Travel medical coverage : If you become ill or get injured while traveling, travel medical coverage can help pay for medical expenses and even emergency travel back home.

Travel delay insurance : In the event of rescheduled or canceled flights that result in painfully long layovers, this coverage will reimburse you for personal items, food and lodging you may have to pay for as you wait for a rescheduled flight.

Delayed baggage : Just as it sounds, this coverage reimburses you for luggage (including necessities you might have to purchase while you wait for your luggage to arrive) if it’s delayed or lost by a travel provider in transit.

» Learn more: When to buy travel insurance

As with travel insurance for more general travelers, there are several factors that affect the cost of travel insurance for study abroad students and other young travelers, including:

Traveler age.

Overall trip cost.

Trip duration.

Specific coverage selected.

Because there are so many factors involved, and because every travel insurance company is different, it’s often wise to compare a number of plans to decide which is best for you and your travel plans. That said, these are some of the best student travel insurance options.

» Learn more: Best annual travel insurance this year

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

What Travel Guard covers

There are several options available from Travel Guard for travel insurance for students studying abroad or simply exploring on break: Deluxe, Preferred and Essential.

They all include trip cancellation and interruption, medical coverage, and lost or delayed baggage insurance. Bonus: They even come with dental coverage. Add-ons like car rental coverage and “cancel for any reason coverage” are also available with some plans.

There is also an annual plan available, but coverage automatically expires if any single trip lasts longer than 90 days, so it wouldn’t likely be sufficient for more than a semester abroad.

Multiple price points for a wide range of coverage options.

Dental coverage included.

24/7 emergency assistance available with all plans.

If you plan on participating in adventure sports, the Adventure Sports Bundle is only available as an add-on on some Preferred and Deluxe plans.

» Learn more: Read our full review of Travel Guard

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

What World Nomads covers

Designed for independent, often more adventurous travelers, World Nomads offers several travel insurance options for students of any age.

While plans may seem more expensive than some other options, it’s important to remember that these plans include medical treatment and evacuation if you are injured while participating in some adventure sports. Plans also cover medical expenses, trip cancellation and interruption, baggage loss and delay, and include 24/7 travel assistance.

Many adventure sports are covered.

Some plans include car rental coverage.

Dental is covered.

Pre-existing conditions aren’t covered.

» Learn more: Best adventure sports travel insurance

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

What Allianz covers

A well-known travel insurance company, Allianz offers a number of travel insurance plans that may appeal to students.

All plans include epidemic coverage, trip cancellation and interruption, medical and dental coverage, baggage loss and delay, and 24-hour assistance. And premium plans tend to offer similar coverage as other insurance companies but at a lower price.

There’s also an annual plan available called AllTrips, but it doesn’t cover individual trips longer than 45 consecutive days.

Includes epidemic coverage (including for COVID-19).

Covers 100% of prepaid costs if you cancel your trip for a covered reason.

The cost to change flights or other transportation is covered on some plans if you have to change or cancel bookings because of a covered reason.

Rental car coverage not included on any plan.

» Learn more: NerdWallet's Allianz review

• Flexible deductible options.
• Wide ranging medical coverage.
• Low prices for medical only needs.
• Lacks in traditional travel insurance coverage options such as trip Interruption, bag delays, etc.
• Better when paired with travel credit card insurance coverage.

What GeoBlue covers

Designed for students staying in one place for more than a week or even a whole semester, GeoBlue’s Navigator for Students plan is perfect for students studying abroad who are more concerned with health care coverage than travel-related benefits.

It’s designed more like traditional health insurance with deductibles, monthly payment plans and unlimited annual maximums when it comes to medical care. It covers medical care inside and outside the U.S., making it a good overall health insurance if you plan to travel back and forth. Travel vaccinations, emergency medical transportation and repatriation are even covered.

What’s not covered are more typical travel-related expenses like lost baggage, delayed flights and trip cancellation. But the medical coverage is so comprehensive that if you want travel-specific coverage, you could opt to purchase a more budget-friendly plan for each specific trip.

Unlimited annual maximum for medical benefits.

Sliding payment scale to customize your deductible-to-monthly premium payments.

Preventive care is covered.

Dental and vision benefits are extra.

Coverage for most travel-related snafus isn’t included.

» Learn more: GeoBlue travel insurance review : Is it worth the cost?

The best travel insurance for students studying abroad or traveling between semesters or even on holiday breaks is insurance that’s best suited to you and your travel plans.

Before you hit “Add to cart,” compare several plans, make sure to read the fine print and understand what’s covered (and, just as importantly, what’s not ). Select a plan that offers the coverage required to help you feel safe, secure and protected wherever you roam.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

No annual fee: Bank of America® Travel Rewards credit card

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x 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.

60,000 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℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Moscow-City: 7 surprising facts about the Russian capital’s business center

1. Guinness World Record in highlining

The record was set in 2019 by a team of seven athletes from Russia, Germany, France and Canada. They did it on September 8, on which the ‘Moscow-City Day’ is celebrated. The cord was stretched at the height of 350 m between the ‘OKO’ (“Eye”) and ‘Neva Towers’ skyscrapers. The distance between them is 245 m. The first of the athletes to cross was Friede Kuhne from Germany. The athletes didn't just walk, but also performed some daredevil tricks. Their record is 103 meters higher than the previous one set in Mexico City in December 2016.

2. Domination of Europe's top-10 highest skyscrapers

7 out of 10 Europe’s highest skyscrapers are located in Moscow-City. Earlier, the  ‘Federation Tower’ complex’s ‘Vostok’ (“East”) skyscraper was the considered the tallest in Europe.

Left to right: the lower of the ‘Neva Towers’ (296 m), Commerzbank Tower in Frankfurt (300 m), Gorod Stolits (“City of Capitals”) Moscow tower (302 m), Eurasia tower (309 m), The Shard’ skyscraper in London (310 m), Mercury City Tower (339 m), Neva Towers (345 m).

However, in 2018, the construction of the 462 meter tall ‘Lakhta Center’ in Saint-Petersburg was completed, pushing ‘Vostok’ (374 m) into 2nd place. The 3rd place is taken by OKO’s southern tower (354 m).

3. The unrealized ‘Rossiya’ tower

If all the building plans of Moscow-City were realized, the ‘Lakhta Center’ in St. Petersburg wouldn't have a chance to be Europe's highest skyscraper. Boris Tkhor, the architect who designed the concept of Moscow-City, had planned for the ‘Rossiya’ tower to be the tallest. In his project, it was a 600 meter tall golden cylindrical skyscraper ending with a spire that was inspired by traditional Russian bell towers. Then, the project was reinvented by famous British architect Sir Norman Foster. He had designed ‘Rossiya’ as a pyramid ending with a spire. The skyscraper itself would have been 612 meters tall, and the height including the spire would have reached 744,5 meters (for comparison, the ‘Burj Khalifa’ in Dubai, UAE, would have been just 83,5 meters taller). Unfortunately, the investors faced a lot of economic problems, due to the 2008 financial crisis, so the ‘Rossiya’ skyscraper was never built. A shopping mall and the ‘Neva Towers’ complex was constructed at its place in 2019.

4. Changed appearance of ‘Federation Tower’

In its first project, the ‘Federation Tower’ was designed to resemble a ship with a mast and two sails. The mast was to be represented by a tall glass spire with passages between the towers. It was planned to make a high-speed lift in it. The top of the spire was going to be turned into an observation deck. But the ship lost its mast in the middle of its construction. Experts at the Moscow-city Museum based in the ‘Imperia’ (“Empire”) tower say, that the construction of the spire was stopped, firstly, due to fire safety reasons and secondly, because it posed a threat to helicopter flights – the flickering glass of the spire could potentially blind the pilots. So, the half-built construction was disassembled. However, an observation deck was opened in the ‘Vostok’ tower.

5. Open windows of ‘Federation Tower’

We all know that the windows of the upper floors in different buildings don’t usually open. Experts say that it’s not actually for people’s safety. Falling from a big height is likely to be fatal in any building. The actual reason is the ventilation system. In a skyscraper, it’s managed with a mechanical system, and the building has its own climate. But in the ‘Zapad’ (“West”) tower of the ‘Federation Tower’ complex, the windows can open. The 62nd and last floor of the tower are taken up by a restaurant called ‘Sixty’. There, the windows are equipped with a special hydraulic system. They open for a short period of time accompanied by classical music, so the guests can take breathtaking photos of Moscow.

6. Broken glass units of ‘Federation Tower’

The guests of the ‘Sixty’ restaurant at the top of the ‘Zapad’ tower can be surprised to see cracked glass window panes. It is particularly strange, if we take into consideration the special type of this glass. It is extremely solid and can’t be broken once installed. For example, during experiments people threw all sorts of heavy items at the windows, but the glass wouldn’t break. The broken glass units of ‘Zapad’ were already damaged during shipment . As each of them is curved in its own way to make the tower’s curvature smooth, making a new set of window panes and bringing them to Russia was deemed too expensive . Moreover, the investors had financial problems (again, due to the 2008 financial crisis), so the ‘Vostok’ tower even stood unfinished for several years. Eventually, the cracked window panes were installed in their place.

7. The highest restaurant in Europe

‘Birds’, another restaurant in Moscow-City, is remarkable for its location. It was opened at the end of 2019 on the 84th floor of the ‘OKO’ complex’s southern tower. Guests at the restaurant can enjoy an amazing panoramic view at a height of 336 meters. On January 28, the experts of ‘Kniga Recordov Rossii’ (“Russian Records Book”) declared ‘Birds’ the highest restaurant in Europe, a step toward an application for a Guinness World Record.

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Car rental at Moscow Domodedovo Airport

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Cheap car rentals at Moscow Domodedovo Airport

Top tips for renting a car at moscow domodedovo airport.

• Car hire at Moscow Domodedovo Airport (DME) is a great option to connect directly to the city of Moscow in the comfort of your own vehicle and giving you the added advantage of being able to avoid busy public transport options, especially if you have a lot of luggage or are travelling as a group, which could also work out more economical. Situated around 25 miles from the airport, you can reach Moscow city centre in just over an hour by the A105 highway. If you are driving via the Moscow Ring Road, you should take Exit 25.
• Moscow city and the surrounding road networks can get particularly busy, especially in the rush hour periods, which tend to fall between the hours of 08:00-10:00 in the morning and again between 17:00-19:00 in the evening rush. Weekends tend to be less busy. If you find your connection falls in the busy times, try to avoid this, if possible, by arriving earlier or taking advantage of the calmer afternoon period to return your Moscow Domodedovo Airport car hire. On your return, take the Kashira Highway in a southerly direction and merge onto the Domodedovo Airport Road, which will lead you to the terminals.
• Moscow Domodedovo has just one terminal, so you can find several facilities on hand whilst in the airport. You can find numerous cafes, bars, and refreshments in the Arrivals hall, alongside exchange and ATM facilities. There is also a children’s centre if you are travelling as a family and several information points to assist your trip.
• If you need to refill your fuel tank before returning your car hire at Moscow Domodedovo Airport, you can find several large 24h outlets such as BP and Shell on the main Garden Ring, which is Moscow’s main circular ring road. You can also find several located along the airport road, nearer to the airport itself.
• 25% of our users found rental cars at Moscow Domodedovo Airport for $23 or less
• Book your rental car at Moscow Domodedovo Airport at least 3 weeks before your trip in order to get a below-average price

FAQs about renting a car at Moscow Domodedovo Airport

Where is the car hire at moscow domodedovo airport situated.

You can find many of the major car rental desks on level one of the terminals in the Domestic Arrivals area and some also located in the International Arrivals hall. There are also others located a short distance away on the airport road near to Parking Lot 1. Several larger companies such as Avis and Hertz offer free pick-up and drop-off services to your required location and one-way rentals are also available. Check with your chosen provider to find arrangements that will suit your requirements. Office hours vary with closing times averaging between 21:00-22:00, although you can find some open 24h such as SIXT car hire.

Which car hire at Moscow Domodedovo Airport is easiest to access?

You can find the Hertz car hire company’s office directly from the airport in less than a mile away in the Domodedovo District with the counter desk located in the International Arrivals hall. The airport location allows for easy access and a range of services, which include after-hours drop-off and pick-up for your convenience. You can choose from a wide range of vehicles from economy basic cars, luxury high speed vehicles or range rovers, and child car seats can be arranged when you make your reservation. There is also a handy online check-in service to save you time at the airport, allowing you to simply pick up your car and get you on your way.

What documentation is needed for car hire at Domodedovo Airport?

UK drivers must hold a valid photographic driving license, which has been held for at least one year. It may be necessary to obtain an International Driving Permit, you can check this with your local licensing authority who will be able to process this for a small fee. Make sure to use a major credit card registered in your name when you make your booking and you may find there will be a surcharge if you are a driver under 25, and you could also be exempt from some vehicle categories. In all cases, you need to be at least 21 years of age to rent a car in Russia.

How much does it cost to rent a car at Moscow Domodedovo Airport?

On average a rental car at Moscow Domodedovo Airport costs $29 per day.

Which car rental companies will pick you up at Moscow Domodedovo Airport?

The only car rental company that offers shuttle or pick-up services from Moscow Domodedovo Airport to off-airport locations is TIS Car.

Moscow Domodedovo Airport car rental reviews and directory

Cleanliness

Pick-up/Drop-off

Value for money

One location in Moscow Domodedovo Airport

Locations in Moscow Domodedovo Airport

Domodedovo Apt/Office K238

+7 926 626 45 75

No reviews available

Domodedovo Apt Office K238

+7 926 626 4575

Domodedovo Air Ter Arrival Hall

+7 495 640 82 82

keddy by Europcar

Moscow Domodedovo Airport- International Arrivals, Counter K9

Opening times not available

No score available yet

2 locations in Moscow Domodedovo Airport

Airport road

+7 962 967 8633

Domodedovo Moscow Airport, Arrival Hall - at Rentmotors Desk, Moscow

+1 800 761 8913

IDrive Rent-A-Car

+7 499 685 4725

Moscow Domodedovo airport

Domodedovsky District

+7 495 215 0187

+7 495 921 3838

Moskovskaya obl., Gorodskoy Okrug

Domodedovo Airport

+7 495 260 10 38

Iversta Rentals Inc

2 Donskoi proezd 4, Unit 219

+7 967 240 9918

+7 495 589 11 11

+7 925 472 1561

Car rental locations at Moscow Domodedovo Airport

Good to know, airports serving moscow.

• Car rental Moscow Sheremetyevo Airport, Domodedovo
• Car rental Moscow Vnukovo Airport, Domodedovo

Hotels near airports in Moscow

• Hotels near Moscow Zhukovsky airport
• Hotels near Moscow Vnukovo airport
• Hotels near Moscow Domodedovo Airport
• Hotels near Moscow Sheremetyevo Airport

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What to Do After You’ve Experienced a Scam

Take these key steps to protect your bank accounts and personal information, and find the support you need.

Patrick J. Kiger,

Last December, Pat Holden, 76, of El Cajon, California, received what appeared to be an email from Amazon , offering a three-month free membership to the Amazon Prime service, which provides free shipping on eligible items, among other perks.

Holden, a former official with the Better Business Bureau (BBB), normally is wary of such unsolicited pitches. But the high-quality graphics in the email looked authentic, and the offer was attractive.

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“I had just thought about getting Prime,” Holden recalls. “So I jumped on it, which you should never do.”

She filled out and submitted the application, including her credit card number , but when she didn’t receive an email acknowledgment, she became suspicious. When she pulled up the original offer, she saw that it hadn’t come from an Amazon address.

Many of us might begin to panic, but Holden kept her cool. She called Amazon, and confirmed that the offer hadn’t come from the company. “‘You’ve been scammed,’ they told me,” Holden recalls. “ ‘Call your bank.’ And that’s exactly what I did.”

Bank officials agreed to put a hold on any suspicious transactions on her credit card.

Thanks to Holden’s immediate action, she didn’t lose any money to the criminals. Online safety and anti-scam experts wish more Americans would respond to scams just as quickly, as fraud has become an epidemic — increasingly sophisticated and financially devastating .

As soon as you realize you’ve experienced a scam, it’s crucial to take certain steps to prevent money loss and identity theft in its aftermath.

And note that at any point you can contact the free AARP Fraud Watch Network Helpline , 877-908-3360, where trained fraud specialists provide support and guidance on what to do next and how to avoid scams in the future.

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• Call the AARP Fraud Watch Network Helpline at  877-908-3360  or report it with the  AARP Scam Tracking Map .  
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What to do in the wake of a scam

1. Immediately cut off communication with the scammer.

You might be tempted to keep corresponding with the criminal, hoping you can persuade them to return your money or that they’ll let slip some information that will help law enforcement catch them. But scam prevention experts say continued communication is unlikely to help. “Don’t engage any further with the scammer under any circumstances,” says Michael Bruemmer, head of Global Data Breach Resolution at credit reporting company Experian and a fraud expert. “There’s nothing good that would come out of that.”

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2. Notify your bank and credit card companies.

Your bank and your credit card company should be your first two calls, says Amy Nofziger, director of victim support for the AARP Fraud Watch Network. If scammers already have gained access to your bank account, the bank can change your account number to deny them further access.

Check your recent credit or debit card transactions, and tell your financial institutions if you spot any fraudulent charges, says the Federal Trade Commission (FTC): “Ask them to reverse the transaction and give you your money back.”

Lisa Schifferle, a senior policy analyst in the Consumer Financial Protection Bureau (CFPB)’s Office for Older Americans, suggests that you also contact anyone else who’s made a payment to a scammer on your behalf, such as a wire transfer service or gift card company. “Ask them to stop payment, and see if you can get your money back,” Schifferle says. It may be a long shot at best, she says, but is worth a try.

3. Change your passwords.

Darius Kingsley, head of consumer banking practices at JPMorgan Chase & Co., recommends that you change your passwords as a precaution — and don’t stop with just the financial accounts. “You’re better off just going and changing those kind of major passwords, even if it’s a major online retailer or your personal email account,” he says. “I would recommend that you lock those down by changing them very quickly.”

4. Document the scam.

Gather evidence of fraudulent transactions and communications with scammers, and any information that might possibly help to identify the criminals, says Zulfikar Ramzan, chief scientist and executive vice president of product and development at Aura, a maker of identity protection software. If you have an identity theft insurance policy, amassing this sort of information is especially crucial.

“You want to make sure that you have all of your receipts and all of the documentation in one place,” notes Josh Planos,  vice president of communications and public relations for the BBB. Whatever information you’re able to gather will be a help to investigators, and may even improve your chances of recovering money that you’ve lost. 

5. Report the scam.

Bruemmer recommends filing a police report with your local department to document the scam. You also should report scams to the FTC at ReportFraud.ftc.gov. The agency shares information with more than 2,800 law enforcement agencies.

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6. Protect your credit. 

Schifferle suggests that you download a free copy of your credit report via the government-authorized website AnnualCreditReport.com , and scrutinize it carefully for anything that doesn’t look right. She says you should also consider placing a fraud alert on your credit report, which forces creditors to take additional steps to verify that the person who wants to open an account is you. Or you can simply put a security freeze on your credit, which prevents new creditors from accessing your file at all, unless you unfreeze it. Here’s a primer from the CFPB on how to do all that.

7. Remain vigilant.  

It’s important to keep a close eye on your financial accounts for signs of intrusion or identity theft over the long term. “You should do a little reconnaissance,” Bruemmer says. “Have you seen strange statements, or have you been getting different bills, or any strange email or mail?” If you signed up for an identity theft protection service or us a free service such as the nonprofit Identity Theft Resource Center (ITRC) , you can seek help from them on how to mitigate the risk. 

8. Share your experience with someone you trust.

Emotional support from a trusted person can be a big help. Also consider joining a support group such as the ReST Program , a joint effort of AARP Fraud Watch Network and Volunteers of America (VOA) that offers small online groups in which members are led in discussion by one or more trained peer facilitators.

9. Try not to blame yourself. 

“Remember that scams are crimes,” Schifferle emphasizes. “Many are perpetrated by organized crime rings. They can and do happen to anyone regardless of age, race, gender or socioeconomic status. So don’t blame yourself.” Too often victims feel ashamed and don’t report these crimes, or try to hide them from loved ones. The more information law enforcement has, the better they can target their investigations and stop the perpetrators.

10. Spread the word about scams.

“Teaching others can not only help you rebuild confidence and trust,” says Schifferle, “but also helps others avoid scams.”

Patrick J. Kiger is a contributing writer for AARP. He has written for a wide variety of publications, including the  Los Angeles Times Magazine,   GQ  and  Mother Jones , as well as the websites of the Discovery Channel and  National Geographic .

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