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How to get FNB travel insurance

Going for a holiday can be an exciting moment. The last thing you will wish for is something that will stand in your way. Sadly, people have lost their most precious item or time because they lacked information or opportunity that would have saved the day for them. It is in a situation like this that the FNB travel insurance comes to the rescue. Fortunately, the TIC travel insurance FNB on your credit card goes for free, but it is highly recommended that you still go for a little top-up cover in addition to your credit card insurance.

Which insurance company is best for travel insurance?

Trip indemnification is one of the most popular indemnification policies in South Africa and beyond. Many establishments offer it. FNB travel insurance and RMB travel insurance have been serving their numerous customers for a few years. Many people who do not use the FNB are asking the question, “can I get travel insurance through my bank?” Many other banks offer good travel indemnification. Their process is discussed here.

tic travel insurance fnb credit card

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Does FNB have travel insurance?

Yes, the FNB has travel indemnification. First National Bank helps you cover unexpected troubles on your trip through Comprehensive Global Travel Insurance. With the CGTI, you are insured, no matter the location you find yourself. In fact, you will get free covering from the bank if you use a qualified FNB cheque or credit card to buy your flight tickets (local or international).

READ ALSO: MTN Insurance: Steps to claim a lost or a stolen phone

This policy is similar to RMB travel insurance, which is why the RMB private bank card is part of the qualified cards used for getting insured via FNB. Besides, FNB travel indemnification works with TIC (Travel Insurance Consultants) to ensure that travellers from Southern African nations are protected and insured. With the TIC travel insurance, FNB covers both individual and corporate customers for the first 90 days of their journey.

tic travel insurance fnb credit card

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The policy from First National Bank gets you up to R10 million for medical expenses. However, you can get this travel insurance when booking with credit card certified by First National. Also, you will get up to R2.5 million for personal liability. The Comprehensive Global Travel Insurance from FNB insures you in the event of any of the following:

  • Accidental loss of baggage
  • Theft or damage of baggage
  • Flight delays
  • Baggage delays
  • Case of stolen passport or trip documents
  • Bank card fraud
  • Cancelled flights
  • Expenses for evacuation in the case of a Natural disaster
  • Your visa application rejection
  • Kidnap or illegal detention
  • Identity swindle
  • Any Hazardous activity
  • In the case of repatriation as a result of the death

How much should you pay for travel insurance?

How do I activate my travel insurance?

Having a credit card handy comes with a lot of benefits. One of them is the trip indemnification that it comes with. Though it is free, the printing on the card itself looks highly professional. The indemnification saves one the embarrassment of cutting your trip short. You are covered when you activate the free insurance on your credit card and buy your air ticket. However, it must be an air ticket departing and returning to South Africa and must be with the credit card.

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Importantly, you need to verify from your bank what your credit covers before you activate your trip cover policy. Some of the credit card trip indemnifications cover only medical expenses and medical emergencies. The best forms are trip indemnification for sudden sickness and injury. There are many South Africa credit card providers to consult to ascertain the activation status of your credit card travel insurance before you embark on your journey. They will also guide on the application process of trip indemnification when booking with a credit card.

READ ALSO: All you need to know about severance pay on retirement in South Africa

How do I get FNB travel insurance?

To get your FNB trip indemnification, you need to meet the following requirements.

  • You must be a South African citizen or be a permanent resident.
  • You must be between the ages of 18 and 70 years.
  • You need to have a cheque account or credit card to pay for your proposed trip tickets.

tic travel insurance fnb credit card

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To apply, you will need to visit any FNB branch with your South African ID book/card or your proof of residence. It must bear your name and not less than three months old.

How do I activate my FNB travel insurance?

Those who want to know how to get travel insurance with FNB can simply call the FNB travel desk on 0861490100, or visit any branch close to them. You can check for FNB travel insurance reviews to make sure it is what you want to do.

Which insurance company is best for travel insurance?

Is FNB life insurance good?

First National Bank also offers life indemnification to its customers. This service covers all financial support to the dependents on the customer. All outstanding debts, estate taxes, and children’s education will be insured in a situation where the individual is not around or down with a terminal illness. Therefore, it is safe to say that FNB life indemnification is suitable for South African citizens.

tic travel insurance fnb credit card

What you need to know about the FICA and RICA

FNB travel insurance contact

For information on how to activate free trip indemnification on your credit card from FNB call them on the telephone line, 0861 490 100. They are open 24 hours a day. Customers calling from outside of South Africa should dial +27 11 371 3711 and then, followed by 087 when it requests for it.

FNB travel insurance has a different process with lots of packages for their subscribers. You can take advantage of this since life is full of eventualities. But then, you should bear in mind that FNB credit card travel insurance is only completed when you contact them after making your journey arrangements.

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Source: Briefly News

Favour Adeaga (Lifestyle writer) Dr. Favour Adeaga is an author, speaker, and coach. He graduated with a degree in Mass Communication from The Polytechnic, Ibadan, Nigeria. He did his internship at The Nation Newspaper and taught diploma students in Newspaper and Magazine courses at the Nasarawa State University, Keffi. He has curated the facts and life hacks category since 2018. Dr Favour is the author of several books available on Amazon. He currently lives in Nigeria. Email: [email protected]

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FNB Travel Insurance Review 2024

FNB Travel Insurance provides travel insurance of up to R5 million for medical and related expenses. FNB Travel Insurance is […]

FNB Travel Insurance

FNB Travel Insurance provides travel insurance of up to R5 million for medical and related expenses.

FNB Travel Insurance is designed for FNB credit card and cheque account holders under the age of 75.

Outpatient services require an additional fee of R2,000.00 for medical and related expenses upon claim submission. In contrast, inpatient clients facing a medical emergency do not incur extra charges.

The insurance becomes active upon purchasing return tickets with a participating FNB cheque or credit card. Additionally, residents of Lesotho, Namibia, and Swaziland are eligible for this coverage.

Quarantine costs are reimbursed at R3,000.00 per day, capped at R30,000.00. An excess fee of R500.00 applies when making a quarantine-related claim.

Dental care up to R2,000.00 is covered, with an excess fee of R350.00 applicable for dental claims.

The plan also includes coverage for accidental death while traveling, up to R250,000.00, and accidental permanent disability, up to R750,000.00.

Other related expenses covered by the insurance policy include:

Medical Transportation, Repatriation and Evacuation

Compassionate emergency visit, repatriation of children, repatriation of travel companion.

  • Burial, Cremation or Return of Mortal Remains

Other types of emergencies are also covered by FNB Travel Insurance. The following are the pre-existing medical emergencies that are covered by the plan.

FNB Travel Insurance Included Medical Emergencies

The FNB plan covers the sudden and unexpected onset of a pre-existing medical condition that may necessitate emergency medical treatment. The plan pays for inpatient hospital expenses. Pre-existing medical conditions are covered for a maximum of R500,000.00.

The plan also covers any additional expenses incurred as a direct result of covered injuries, illnesses, or diseases.

The plan cover policyholders for the following:

The plan covers transportation to the most appropriate medical facility for the insured to receive necessary treatment. The plan allows for an organized plan in which an assistance company can assist in transporting the insured to a facility. If necessary, repatriation to the insured’s home country is also provided. FNB will make such arrangements through their assistance company.

If the insured is hospitalized for 5 days or more in a row, the policy will pay for reasonable hotel and airfare expenses for a family member. Accommodation is paid for in a three-star hotel and does not include calls, meals, or drinks.

The insurance covers a family member who, on the advice of a doctor, stays with you until you are able to resume your journey.

If your accompanied children are left stranded in the event of your hospitalization, repatriation, or death, FNB travel insurance will arrange and pay for their transportation back to their country of residence, if necessary, with a qualified escort, provided they are also insured by FNB.

If your traveling companion is left stranded due to your hospitalization, repatriation, or death, FNB will arrange and pay for their transportation back to their country of residence with a qualified escort if required, provided they are also insured by FNB Insure.

List of FNB Credit Cards that Qualify for FNB Travel Insurance

  • FNB Aspire Credit Card
  • FNB Premier Credit Card
  • FNB Private Client Credit Card
  • FNB Private Wealth Credit Card
  • RMB Private Bank Credit Card
  • FNB Fusion Gold Card
  • FNB Fusion Premier Card
  • FNB Fusion Private Clients Card
  • FNB Fusion Private Wealth Card
  • FNB Premier Debit Card
  • FNB Private Client Debit Card
  • FNB Private Wealth Debit Card
  • RMB Private Bank Debit Card
  • FNB Islamic Premier Debit Card
  • FNB Islamic Private Clients Debit Card
  • FNB Islamic Private Wealth Debit Card
  • FNB Business Platinum Debit Card
  • FNB Enterprise Debit Card
  • FNB Islamic Business Platinum Debit Card
  • FNB Islamic Enterprise Debit Card
  • FNB Business Private Clients Debit Card
  • FNB/RMB Private Bank Business Debit Card
  • FNB Business Gold Credit Card
  • FNB Business Platinum Credit Card
  • FNB Business Black Credit Card
  • FNB Business Lodge Credit Card
  • FNB Corporate Gold Credit Card
  • FNB Corporate Platinum Credit Card
  • FNB Corporate Black Credit Card
  • FNB Corporate Lodge Credit Card

Advantages of FNB Travel Insurance

  • The travel insurance is free for FNB and RMB credit card and cheque account holders.
  • The travel insurance is free for the first 90 days of your journey.
  • Other nationalities, such as Swati, can also purchase the product.
  • Accidental death is covered under the plan.
  • Accidental permanent disablement has the highest cover amount of up to R750,000.00.
  • The cover is available to individuals up to the age of 74, which is a high age restriction.
  • Emergency medical and related expenses are covered for up to R5,000,000.00 on international travels.
  • In-hospital pre-existing conditions are covered by the plan for up to R500,000.00.

Disadvantages of FNB Travel Insurance

  • The cover is only available to some FNB credit card and cheque account holders.

FNB Travel Insurance Application

  • Must have a participating FNB credit card.
  • Purchase your return tickets using your qualifying FNB card.

FNB Travel Insurance is one of South Africa’s most comprehensive travel insurance products. The product is designed to cover not only medical expenses but also in-hospital medical expenses due to pre-existing conditions, as well as accidental death and permanent disability coverage.

The plan also covers death and disability caused by war and terrorism. The plan eliminates the need for travellers to require additional coverage while traveling. However, it is recommended to keep some money aside when traveling to pay for any excess fees required when making a claim.”

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10 Credit Cards That Provide Travel Insurance

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credit card travel insurance being used by men

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

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

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

» Learn more: The best travel credit cards right now

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

What does your travel insurance cover?

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

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

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

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

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

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

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

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

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

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

» Learn more: Should you insure your cruise?

Popular credit cards with travel insurance

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

1. Chase Sapphire Reserve®

Chase Sapphire Reserve Credit Card

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

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

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

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

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

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

Rental car insurance: Up to $75,000.

2. Chase Sapphire Preferred® Card

Chase Sapphire Preferred Credit Card

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

Travel accident: Up to $500,000.

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

3. Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant American Express Card

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

Travel accident insurance. Up to $500,000.

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

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

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

4. Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless™ Credit Card

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

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

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

5. Southwest Rapid Rewards® Plus Credit Card

Chase Southwest Rapid Rewards® Plus Credit Card

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

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

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

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

6. United℠ Explorer Card

Chase United Airlines Mileage Plus Credit Card

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

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

Rental car insurance: Covers damage or theft with restrictions.

7. Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

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

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

Rental car insurance: Up to $50,000.

Terms apply.

8. The Platinum Card® from American Express

The Platinum Card® from American Express

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

9. Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

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

Travel accident insurance: Up to $250,000.

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

10. Hilton Honors American Express Aspire Card

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

Do I need additional travel insurance?

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

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

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

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

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

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

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

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

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

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

» Learn more: Does trip insurance cover award flights?

Cards with travel insurance, recapped

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

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

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

How to maximize your rewards

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

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

No annual fee: 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

Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Credit Card

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

tic travel insurance fnb credit card

8 best credit cards with travel insurance of June 2024

Katie Genter

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

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

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

Browse by card categories

Comparing the best credit cards, more details on the best credit cards, maximizing credit cards with travel insurance, how we rate, what is travel insurance, how to choose a credit card with travel insurance, ask our experts, pros + cons of travel insurance credit cards, frequently asked questions, chase sapphire preferred® card.

Chase Sapphire Preferred® Card

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

  • Earn multiple points per dollar on things like travel and dining
  • The current welcome bonus on this card is quite generous
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
  • The card comes with a $95 annual fee
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

United Club℠ Infinite Card

United Club℠ Infinite Card

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

  • Earn 4x miles on United purchases; 2x miles on travel and dining; 1x on everything else
  • United Club℠ membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
  • Up to $100 statement credit for Global Entry/TSA Precheck application every four years
  • Free first and second checked bags for you and one travel companion on the same reservation
  • 25% inflight statement credit on eligible purchases
  • High $525 annual fee
  • Limited-time offer: Earn 90,000 bonus miles after qualifying purchases
  • Earn 4 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel and dining
  • Earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • 10% United Economy Saver Award discount within the continental U.S. and Canada
  • Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it comes with one of the highest sign-up bonuses we’ve seen from Chase or any business credit card — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening. Read our review of the Ink Business Preferred Credit Card .

  • One of the highest sign-up bonuses we’ve seen for this card — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
  • Bonus categories that are most relevant to business owners for a reasonable $95 annual fee
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
  • Additional perks including extended warranty, cellphone protection and purchase protection
  • High spending needed to get 100,000-point sign-up bonus
  • Subject to Chase's 5/24 rule on card applications
  • 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.

The Platinum Card® from American Express

The Platinum Card® from American Express

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

  • The current welcome offer on this card is quite lucrative
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, at least $500 in assorted annual statement credits and so much more
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway
  • The high annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
  • Outside of the current welcome bonus, you’re only earning higher rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
  • The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings 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.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

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

  • Delta SkyClub access when flying Delta
  • Annual companion ticket for travel on Delta
  • Ability to earn MQDs through spending
  • High annual fee
  • Other Delta cobranded cards offer superior earning categories
  • Earn 95,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy complimentary access to the Delta Sky Club® and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Receive four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

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

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

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

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

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months
  • $300 in annual credits toward bookings make through Capital One Travel
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary
  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that
  • If you don’t travel frequently, this might not be the best card for you
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights 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®

Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Weigh the earning rate against the protections

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

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

Know the coverage details

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

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

Consider the other benefits

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

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

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

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

Types of credit card travel insurance

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

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

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

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

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

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

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

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

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

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

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

How to claim travel insurance from a credit card

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

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

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

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

Ben Smithson

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

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

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

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

  • Introduction to credit card travel insurance and standalone travel insurance
  • What are credit card travel protections?
  • What is travel insurance?
  • Credit card travel protection vs. standalone travel insurance
  • Frequently asked questions

Credit Card Travel Insurance vs Travel Insurance: A Comparative Guide

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

  • Travel insurance and some credit cards can protect you from financial loss while traveling.
  • Travel insurance offers more comprehensive coverage that includes emergency medical expenses.
  • Credit card travel protection has more gaps but comes at no additional cost for cardholders.

Anything can happen while traveling. Flight delays, lost luggage, or even unexpected injury or illness can interrupt your vacation. When these things occur, travel insurance or the travel protections included with your premium credit card may be able to help, providing medical coverage, offsetting your financial losses, or even reimbursing you fully.

But do you need both travel insurance and credit card travel protections? Here are details on both and tips for deciding what the best travel insurance is for you.

Introduction to credit card travel insurance and stand-alone travel insurance

Many credit cards offer travel protections that can help you in certain unexpected travel situations. But they aren't exactly the same as a separate travel insurance policy.

Here's how the two differ at a high level:

  • Travel insurance:  Travel insurance is coverage that you purchase for a single trip or multiple trips in a year. It typically covers the costs associated with trip cancellation, trip delays, medical emergencies, and other unforeseen events that may occur while traveling.
  • Credit card travel protections:  These are benefits automatically included with certain consumer credit cards. They often provide coverage for delays, lost baggage, rental car collisions, and other events during travel. Credit cards sometimes advertise these protections as a type of travel insurance, though they're not a separate insurance policy.

Generally speaking, designated travel insurance is more exhaustive than the protections offered by a credit card. Still, it's worth it to compare both options, particularly if you're taking an expensive trip. 

"It is always wise to check your credit card protection against a travel insurance plan," says Carol Mueller, a vice president at Berkshire Hathaway Travel Protection . "Credit card protection may not include the full, bundled, comprehensive coverage a travel insurance plan would."

What is credit card travel insurance ?

Many premium credit cards offer travel protections to cardholders, but the exact coverages depend on the credit card. Typically, only trips booked with that card qualify for coverage.

"Credit card travel insurance has one big advantage that interests travelers: it's usually free or included in the card's annual fee," says Daniel Durazo, director of external communications at Allianz Travel Insurance , a travel insurance provider. "Credit cards' travel benefits can be useful for smaller things, like travel delays or lost bags, but only travel insurance provides reliable protection in real emergencies, like expensive medical emergencies such as hospital visits and evacuations."

In some cases, however, a credit card may cover catastrophic accidents. The Chase Sapphire Reserve, for example, offers up to $1,000,000 worth of coverage for an accident that causes loss of life, speech, hearing, or use of a hand, among other life-altering injuries.

Additionally, credit card coverage limits tend to be much lower. The Chase Sapphire Reserve® offers up to $20,000 per trip in cancellation coverage, while a basic travel insurance plan from Travel Guard offers five times as much coverage.

Pros and cons of credit card travel protection

What is stand-alone travel insurance .

Travel insurance protects you from financial losses related to travel. "There are three main areas of coverage: protecting yourself, protecting your personal items, and protecting your investment," says Christina Tunnah, general manager of Americas and global marketing at World Nomads Travel Insurance , a travel insurance and safety services provider.

Travel insurance works much like any other insurance policy. When a covered event occurs, like your trip is canceled or you're hurt while traveling, you file a claim with your insurer. If accepted, the company reimburses you for the costs up to your coverage limits.

"Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of Lugos Travel, a travel advisory. "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

Travel insurance customers typically have 90 days to file their claim. But once the event occurs, there's no waiting period, meaning travelers should file as soon as possible.

A major factor when filing a successful claim is proof of financial loss. You can use something as simple as a medical clinic receipt or a doctor's medical statement. Once the claim has been reviewed and approved, your insurer will reimburse you via check. Some modern travel insurance companies offer immediate payment via a debit card mailed to travelers before their trip.

Travel insurance providers go beyond your standard credit card or airline coverage. You can buy policies that cover sports equipment, medical, and other coverages. You can also buy Cancel for Any Reason insurance, which covers trip cancellations regardless of the reason. The best CFAR insurance can cover 100% of your costs, but many only cover a percentage. 

Buyers can also price out annual travel insurance plans , which cover all of your trips within a 12-month period. Meghan Walch, director of the InsureMyTrip website, estimates a 4% and 10% travel insurance cost based on your total prepaid, nonrefundable trip costs. If you're buying an annual policy, this figure will change.

Pros and cons of stand-alone travel insurance

Credit card travel protection vs. stand-alone travel insurance.

Deciding between stand-alone travel insurance and credit card travel protection can be difficult. That said, it's worth mentioning that these choices aren't mutually exclusive. Even if you have a credit card that provides travel protection, you can still opt for additional coverage with a stand-alone travel insurance policy.

Cost considerations

The obvious difference between credit card insurance and a stand-alone policy is the cost. While credit card insurance is usually included in the cost of the card, traditional travel insurance is an additional expense, usually between 5% to 6% of the trip's worth, though rates can range from 4% to 12%.

However, travel insurance may pay for itself, covering emergency medical expenses and evacuation."Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of travel advisory company Lugos Travel. "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

On the other hand, credit card travel protections don't come at any additional costs. However, many of the best travel credit cards come with annual fees. Additionally, a credit card's travel protection only applies to trips you book with that credit card. If you don't pay off the credit card immediately, you'll pay interest on your trip. 

If you don't already have a credit card with travel insurance included, you'll also have to determine if the coverage is worth applying for a new credit card.

Comparing coverage and benefits

In most instances, traditional travel insurance policies will have more comprehensive coverage than credit card travel insurance. They'll cover more reasons for trip cancellation, and some may cover cancellations for no reason. They'll also cover medical emergencies, while credit card travel protections don't.

"Some travel insurance policies also provide epidemic coverage endorsements, which provide coverage to customers who become ill with COVID-19 or a future epidemic, are individually ordered to quarantine, or are denied boarding due to a suspected illness," says Durazo.

Separate travel insurance policies also tend to offer more robust cancellation coverage. Credit card protections often cap reimbursement at just $10,000 a trip, while travel insurance usually goes up to $100,000. Most credit cards will only cover trips purchased with the card or reward points.

Situations best suited for each

Both travel insurance and credit card protections can prove helpful if your trip is canceled or you experience some other loss while traveling, but the right choice will depend on the specifics of your exact trip and budget. "Every trip is different, and every traveler has different needs and concerns," Walch says. 

For example, travelers with more health concerns may opt for stand-alone travel insurance. Longer, more expensive, and international trips may also warrant greater coverage that credit card travel insurance can't provide. Additionally, it may be a good idea to insure trips to high-risk areas, either politically unstable regions or areas with inclement weather.

On the other hand, Walch says, "For a short trip to a family member's house in the US, the travel insurance offered through the credit card may suffice."

Credit card travel insurance comparison frequently asked questions

Credit card travel insurance may offer basic coverage for international trips, but it often lacks comprehensive medical coverage.

Yes, you can use both for the same trip. Stand-alone policies can supplement areas where credit card insurance is limited, such as medical coverage.

Most credit card travel insurance does not cover pre-existing medical conditions. Many stand-alone policies don't cover pre-existing conditions, but you may find some coverage with certain stipulations.

Credit card travel insurance is usually automatically activated when you pay for a trip using that card. However, it's important to read the card's policy for specific activation requirements.

While credit card travel insurance can be more cost-effective since it's a benefit of the card, it may not provide as comprehensive coverage as a stand-alone policy. In the long run, you may end up losing money if you solely rely on credit card travel insurance.

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Available medical facilities and expertise in Africa can be inadequate and there’s a high chance that travellers may need to be evacuated by air ambulance from an African country should they require emergency medical assistance, which is prohibitively expensive. Due to the prevalence of HIV/Aids and Hepatitis B and C in many African countries, it is reassuring for travellers to know that should they require a blood transfusion, TIC is a member of the Blood Care Programme, operated by the Blood Care Foundation, which provides screened blood to its members in any part of the world.

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If you have an emergency while tavelling abroad, you can make contact with a designated assistance company. Reverse charges are accepted 24/7. Check on your policy documentation near the bottom of page one where you will find the Emergency Assistance company's contact details. If you only have data access and cannot make a telephonic call you can chat online to our assistance company .

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If you have an emergency while tavelling abroad, you can contact the assistance company. Reverse charges are accepted 24/7. Check on your policy documentation near the bottom of Page one where you will find the Emergency Assistance company's contact details. If you only have data access and cannot make a telephonic call you can chat online to our assistance company .

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You may still lodge the claim. The assessment thereof will be delayed, however, until the necessary documentation has been provided.

It is a condition precedent to our liability that all losses must be reported.

No, you may lodge a claim while you are travelling abroad.

Policy FAQs

Travel insurance provides you with cover against travel risks such as medical emergencies, cancellation, curtailment, luggage loss, accidental death and disablement and personal liability, allowing you to relax and enjoy your journey with complete peace of mind. Whilst you pay for your insurance in a local currency any medical expenses will be covered in foreign currency.

TIC offers Leisure Standard and Leisure Comprehensive policies for travellers up to the age of 69. The Leisure Standard product is TIC’s budget travel insurance product, suited for travel to neighbouring countries or where the Rand has a reasonable exchange rate, while the Leisure Comprehensive product is recommended for travel cover to destinations where the Rand exchange rate is high. Compare these products for Leisure Travel .

You may need a pdf document reader installed on your device in order to read the documents. If you are still unable to view them, contact us.

Yes. Leisure skiing is covered. See further information on Sports Cover.

Sports undertaken for leisure purposes, for example, snow skiing, water skiing and scuba diving, are automatically covered. All other sports that are deemed hazardous, high risk or professional require a sports extension to be arranged prior to departure. See information on Sports Cover.

Yes. Any pregnancy related emergency that occurs up to the first day of the 26th week of pregnancy is covered.

Yes, as long as you haven’t already claimed on your policy. Maximum 365 days. You will need to contact TIC prior to policy expiration.

Yes. If You require emergency dental treatment We will insure You for Reasonable and Customary Dental Expenses up to a limit of R5 000, unless preauthorisation is given by the Assistance Company, for the immediate relief of pain and / or emergency repair to restore dental function.

Yes. You will be covered up to the limit indicated in your Schedule of Insurance but only under the Business Industrial policy.

Yes. Emergency malaria treatment is covered. We recommend that you be aware of the risks associated with contracting malaria and take precautionary measures before departure. Anti-malaria medication should be obtained from a travel clinic prior to departure.

Yes, you may, provided you contact us prior to your departure.

Our cancellation benefit is applicable up to 6 months prior to your departure date from South Africa. If the death is accidental or due to natural causes, and not as a result of a pre-existing medical condition, vascular, cardiovascular or cerebrovascular conditions if you are over 69 , then we do provide cancellation cover for such instances.

Yes, you can travel on a TIC policy provided that you are a resident of South Africa. Your country of Residence is defined as follows : The country in which You live and which is regarded as Your permanent home. If You are a temporary resident in a country, that will be deemed to be Your Country of Residence for the purpose of the policy, if You have citizenship of or a work permit or have been resident in that country for longer than 12 consecutive months.

A business administrative policy can be bought for your daughter. If she is travelling for longer than 1 year then a youth policy will be more suitable.

Medical aids would typically not pay for the repatriation of mortal remains and non-medical benefits such as cancellation and curtailment, luggage cover and personal accident and personal liability cover. So consider our Leisure Standard or Comprehensive policy while you are travelling on medicl aid cover.

Local Travel (Within South Africa) FAQs

Yes. TIC’s Local Travel Insurance cover is suited to South African residents travelling within South Africa.

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FNB Travel Insurance: Your Comprehensive Guide to Journey Coverage

So, picture this: you’re getting ready to jet off on an epic international adventure, but in the back of your mind, you’re kind of stressing about all the things that could possibly go wrong. Lost luggage, sudden illness, trip cancellations – it’s enough to make your head spin!

But here’s the good news – if you’re an FNB cardholder, you might just have a secret weapon up your sleeve. It’s called FNB Travel Insurance , and it’s basically like having a guardian angel watching over you while you’re off exploring the world.

The best part? If you’re eligible, this insurance automatically kicks in the moment you book your return international tickets using your FNB card. No extra paperwork, no jumping through hoops – just a whole lot of peace of mind, right from the get-go.

Now, I know what you’re thinking: “Insurance policies are so confusing! How do I know what I’m actually covered for?” And you’re totally right – it’s super important to read through the fine print before you pack your bags. FNB’s travel insurance policy covers a whole range of scenarios, from minor hiccups to major emergencies, so it’s worth taking a few minutes to familiarize yourself with the details.

And hey, even if you’re a seasoned adventurer, it never hurts to double-check what’s what. FNB has got options for different age groups, including specialized coverage for the over-70 crowd, so everyone can get in on the globe-trotting action.

But what if you’re mid-trip and you suddenly have a question or concern about your coverage? No worries, friend – FNB’s got your back with their Global Travel Insurance Help Desk. It’s like having a direct line to a team of travel insurance superheroes, ready and waiting to answer all your queries and make sure you’re totally prepared for whatever your journey throws your way.

And let’s face it – when you’re far from home, it’s a huge relief to know that you’re covered for things like accidental death and other scary travel scenarios. With FNB Travel Insurance, you can focus on making amazing memories and leave the worrying to the experts.

So go ahead – book that flight, pack your bags, and get ready for the adventure of a lifetime. With FNB Travel Insurance by your side, you can explore the world with confidence, knowing that you’re protected every step of the way.

Understanding FNB Travel Insurance

Travel insurance from FNB is designed to safeguard customers while they are travelling. FNB provides peace of mind through comprehensive coverage for a variety of potential travel-related issues.

What Is FNB Travel Insurance?

FNB, or First National Bank, offers Global Travel Insurance services to its qualifying cardholders. This insurance is intended to cover individuals when travelling internationally. Customers need to use their qualifying FNB card to purchase their international return travel tickets to activate the free insurance cover.

Benefits of Travel Insurance with FNB

Travel Insurance with FNB has several benefits:

  • Indemnification for unforeseen travel troubles,
  • Coverage for medical and related expenses up to a pre-specified limit,
  • Access to a Global Travel Insurance help desk for assistance and enquiries.

Key Features of FNB Travel Insurance

Some of the key features of FNB Travel Insurance include:

  • A free Global Travel Insurance cover for eligible cardholders,
  • A maximum medical coverage of up to R5 million ,
  • Availability for FNB credit card and cheque account holders under the age of 75.

By offering reliable travel insurance, FNB enhances the travel experience for its customers, providing an essential service that can be relied upon in case of emergencies abroad.

Eligibility and Activation

To benefit from FNB’s travel insurance, one must comply with certain eligibility criteria and follow specific steps to activate the cover. This section outlines the eligibility requirements, activation procedures, and the FNB card types that offer travel insurance.

Who Is Eligible?

FNB’s travel insurance is available to individuals who:

  • Are South African citizens or permanent residents .
  • Are aged between 18 and 70 years .

To be eligible, individuals must also hold an FNB cheque account or credit card and use it to pay for their international return travel ticket(s).

Steps to Activate FNB Travel Insurance

The activation of FNB travel insurance involves:

  • Purchasing an international return travel ticket(s) using an eligible FNB card .
  • Logging into the online banking platform.
  • Following the prompts to activate the free trip indemnification service associated with the card.

FNB Card Types Offering Travel Insurance

FNB provides travel insurance benefits with the following cards:

  • FNB Credit Cards : Cardholders can avail of the travel insurance when they purchase their travel tickets using the card.
  • FNB Debit Cards : Similarly, purchasing tickets with an FNB debit card can grant access to the insurance benefits.

Cardholders are encouraged to understand the specifics of their coverage by reviewing their insurance policy details and ensuring they meet all requirements before travelling.

Coverage and Benefits

FNB Travel Insurance provides its policyholders with comprehensive coverage, ensuring a wide range of benefits for various unforeseen incidents during travel. It is designed to give travellers peace of mind with significant support for medical and other travel-related emergencies.

Medical Expenses and Emergencies

FNB Travel Insurance covers Up to R5 million for medical expenses incurred due to illness or injury. This includes necessary and reasonable medical treatment, as well as dental cover in the case of an emergency. The coverage ensures travellers can access quality medical care without the burden of exorbitant costs.

Repatriation and Evacuation

In the event that a policyholder requires urgent medical care which is not available locally, FNB Travel Insurance covers the costs for repatriation to a suitable medical facility. Moreover, if necessary, the policy provides for evacuation to the insured’s country of residence for ongoing treatment.

Accidental Death and Disablement

The insurer extends its coverage to include benefits in the unfortunate event of accidental death or accidental permanent disablement while travelling. These circumstances are considered on a case-by-case basis, with specific terms detailed in the policy documentation.

Additional Travel Insurance Benefits

Policyholders are also covered for incidents that may not be directly health-related but still have significant implications for their travel plans. Global Travel Insurance includes protection against events such as war and terrorism . The additional benefits ensure travellers are supported even in the most extreme and unexpected of circumstances.

Claims and Assistance

When engaging with FNB Travel Insurance, policyholders are provided with a structured process for filing claims and are supported by accessible help desks and emergency assistance services.

How to File a Claim

To initiate a claim , FNB Travel Insurance clients should contact the claims department directly. It is crucial to report an incident as soon as possible to expedite the process. Clients can make a claim by:

  • Calling : 087 312 0001

Claimants need to have their policy number and relevant supporting documentation handy when they reach out.

Global Travel Insurance Help Desk

For queries and support related to FNB’s Global Travel Insurance, customers can contact the Global Travel Insurance Help Desk for assistance. The help desk can provide guidance on policy details, coverage limits, and procedures. Customers can access this service by:

  • Calling : 0861 490 100
  • Assistance is available to offer information on the policy and aid with any questions the policyholder may have.

Emergency Assistance Services

In the event of an emergency while travelling, policyholders can access emergency assistance services provided by FNB Travel Insurance. These services are available around the clock to ensure travellers have support when they need it most. In case of an emergency, customers can:

  • Call internationally for reverse-charge services : +27 11 991 8409
  • Services include medical assistance, emergency evacuation, and other critical support in times of need.

This network ensures that policyholders have access to immediate help, no matter where in the world they may be.

Terms and Limitations

This section delves into the specifics of First National Bank (FNB) Travel Insurance, addressing the intricacies of pre-existing conditions, geographical restrictions, and the duration and extent of coverage. The terms and conditions of the policy are pivotal in understanding the limitations and benefits afforded to policyholders.

Pre-Existing Conditions

FNB Travel Insurance stipulates that coverage for pre-existing medical conditions may be subject to certain restrictions. Policyholders need to declare any existing medical issues as these could affect the validity of their claim. Travel insurance typically does not cover any medical expenses arising from conditions that were known before the policy commenced.

Geographical Limitations

FNB provides international travel insurance that covers the policyholder globally. However, there might be geographical restrictions in the policy, which often exclude countries with heightened risk or ongoing conflict. Specific insurance coverage might extend to trips within the Southern African Development Community (SADC) region, including Lesotho, Namibia, and Swaziland .

Duration and Extent of Coverage

The duration and extent of FNB’s travel insurance can vary. Coverage may have limits on the number of days they cover an international trip. The financial limits of coverage are significant, with some policies offering up to R5 million for medical-related expenses. It is essential for travellers to understand the terms and conditions (T&C) as they outline the maximum duration of coverage and the extent to which the policyholder is protected.

Additional Services and Perks

FNB’s travel insurance is enhanced by a suite of additional services and perks, designed to provide convenience and comprehensive coverage for travellers. These offerings leverage FNB’s digital platforms and cater to individual and group insurance needs, ensuring a well-rounded travel insurance experience.

FNB Online Banking and App Features

FNB’s online banking and the dedicated mobile app offer policyholders the ability to manage their travel insurance with ease. Users can access their travel insurance policy details, check coverage limits, and initiate claims directly through these platforms. Moreover, the app includes features that allow travellers to:

  • View and download their insurance policy documents
  • Quickly get in touch with customer service for support

Family and Group Add-Ons

Understanding the importance of family and group travel, FNB Travel Insurance policies include options for comprehensive coverage that extend beyond the individual. Benefits for families and groups comprise:

  • Compassionate emergency visit coverage, in case a traveller needs to return home due to an emergency.
  • Repatriation of children , ensuring that minors are returned home safely should a guardian be unable to care for them during travel.
  • Options to add additional members to the policy, providing flexibility for group travel scenarios.

Complementary Services with FNB Travel Insurance

Complementary services included in the FNB Travel Insurance offering go beyond basic coverage to provide additional peace of mind. Key services entail:

  • Emergency medical assistance available around the clock
  • Travel companion repatriation , which includes arrangements for a travel companion’s return in the event of an insured’s hospitalisation or death.

Each service is designed to alleviate the stresses of unforeseen incidents during travel, reflective of FNB’s commitment to thorough and considerate travel insurance solutions.

FNB Travel Insurance Products

First National Bank (FNB) provides an array of travel insurance products tailored to safeguard customers on their journeys, whether personal or business. The offerings are segmented to address the diverse needs, covering customers who hold FNB credit cards and those seeking standalone travel insurance packages.

Personal Travel Insurance Packages

FNB’s Personal Travel Insurance Packages are designed to protect individuals and families when travelling abroad. One gains eligibility for a complimentary Global Travel Insurance policy when purchasing international return travel tickets using a qualifying FNB credit or debit card. This insurance generally covers emergency medical expenses and can be extended to cover other unforeseen incidences depending on the customer’s requirements. For travellers between 71 and 85, FNB provides an alternative insurance option that addresses their unique needs.

Business Travel Insurance Solutions

For businesses, FNB offers Business Travel Insurance Solutions , understanding that business trips come with their own set of risks and challenges. These insurance products cater specifically to the needs of businesses and their employees, offering coverage for medical emergencies, trip cancellations, lost baggage, and other travel-related inconveniences. The coverage ensures peace of mind for both the employer and the employee, enabling focus on business matters.

Credit Card-Specific Travel Policies

Customers with FNB Credit Cards benefit from tailored Credit Card-Specific Travel Policies . By using an FNB credit card to book travel, clients can automatically receive travel cover, which may include but is not limited to, medical expenses and coverage for accidental death and permanent disability. The specifics of the coverage can vary based on the type of credit card held and the details of the policy linked to it.

Frequently Asked Questions

What is FNB Global Travel Insurance? FNB Global Travel Insurance provides coverage for individuals travelling internationally. It offers protection against unexpected events such as medical emergencies, trip cancellations, and loss of personal belongings.

Who is eligible for FNB Travel Insurance? Eligibility typically extends to South African citizens or permanent residents aged between 18 and 70 years, who have purchased their return international travel tickets using a qualifying FNB card.

How can one obtain FNB Travel Insurance? Travel insurance is automatically granted to qualifying FNB credit card holders. A cardholder must use their FNB card to pay for the international return tickets to activate the insurance cover.

What does the travel insurance cover? The insurance plan typically covers accidental death and trip cancellations, among other benefits. One should review the policy document to understand the full scope of coverage.

Is there a cost for FNB Travel Insurance? The travel insurance is commonly offered at no additional charge for the first 90 days of travel for qualifying FNB and RMB credit and cheque account holders.

How does one make a claim? To initiate a claim, one should contact the Global Travel Insurance Help Desk. Retaining a copy of the travel policy and understanding its terms is crucial when filing a claim.

What should account holders know about the claim process? Policyholders must follow the instructions in the policy document for claims. Contacting the help desk promptly and providing necessary documentation is essential for claim processing.

It is pertinent for travellers to fully understand their policy’s limitations and benefits before commencing their journey.

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Best Travel Insurance in South Africa – Everything Need to Know

Buying the best travel insurance may not be that high on your list of priorities when planning a holiday trip.

For a relatively small amount, you can proactively avoid the risk of losing money due to an unforeseen event.

If you’re looking for cheap insurance in South Africa cover – whether you’re a first-time traveler or a seasoned traveler, many different types of plans are available to cover you for every eventuality and make sure you enjoy your trip.

Everything you Need to Know Getting Travel Insurance in South Africa

What is travel insurance?

It is a type of insurance that is designed to provide financial protection when unexpected events occur while travelling.

The problem can be minor, such as a missing suitcase , or major, such as a medical emergency while overseas . As well as financial protection, another great benefit of this insurance is access to assistance services, wherever you are in the world.

Coverage is available for single and annual trips. Single trip insurance covers the traveller for one trip, starting from when they leave home and ending when they return.

An annual travel insurance policy is designed to cover a traveler who takes multiple short trips throughout the year. Annual policies typically limit how long a trip can last.

What does travel insurance cover?

It may consist of several different types of coverage and providers vary considerably in what is covered and price of coverage. The main categories of coverage are trip cancellation or interruption, medical expenses, loss or damage of baggage and personal effects, and flight accident or accidental death.

Coverage often includes emergency services, such as cash wire assistance, replacing lost passports or rebooking cancelled flights.

Acceptable cancellation and interruption causes and the amount of reimbursement available differ from provider to provider. Most companies will accept illness, weather-related issues, or a death in the immediate family as reasons for cancellation or interruption.

Policies may also cover travellers if a cruise line, airline or tour operator goes out of business.

Most travel insurance policies give you an option of legal fees coverage if you damage someone else’s property or injure someone, and they open a case against you.

Carriers usually reimburse travellers if baggage is destroyed or lost due to their error. The amount of reimbursement may be limited, so baggage and personal effects coverage offer an added layer of protection.

When it comes to medical coverage, policies vary considerably. Some medical coverage includes airlifting to a medical facility and a stay in a foreign hospital.

If an accident results in serious injury, death or disability, some policies pay benefits to surviving beneficiaries. Flight accident insurance covers deaths or accidents occurring on flights.

How to get a cheap travel insurance in South Africa

The best providers offer different benefits and features and may vary greatly on coverage, costs, and exclusions. Make sure you read all disclosure statements before you purchase the insurance.

When you want to find the best travel insurance , it’s helpful to use a comparison tool to get quotes for all plans, compare them and choose the one that suits you best. All you have to do is enter the details of your trip, such as your travel dates and you will need to give your age. Filtering and comparison features help you to select a plan suited to you.

Remember that what you pay for insurance will depend largely on the type of cover you require. The cost of travel insurance is not based on the value of the trip. It depends on the age and duration of the journey. An older person will have to pay more than a younger person due to an increased need for medical insurance.

Buying insurance of travel online is simple. Once you’ve filled in all your details and paid, you usually receive instant confirmation of coverage. The travel insurance form provided complies with what’s required when applying for a Schengen Visa if you’re visiting Europe.

If you have difficulties in understanding what is covered, most of the big insurers have call centers with agents who can help to clarify the fine print. For instance, you’re going skiing, and you want to know if you’re covered if you break your leg. You won’t receive compensation for this if your policy does not cover action sports.

When you receive your policy, you will see that each section explains what is covered, what is not covered and the conditions applicable. It is important to read through the policy and familiarize yourself with the terms, conditions, and exclusions. If you do this, you can raise any concerns with the insurer before you leave.

Best Travel Insurance Companies in South Africa

All the large banks in South Africa offer free basic travel insurance when you use their cheque or credit cards to purchase your tickets.

FNB offers quite comprehensive, free travel insurance cover when you use an FNB credit or cheque card to purchase your return travel ticket.

Nedbank and ABSA Travel Insurance offer the same.

You also qualify for basic, automatic Standard Bank if you use your cheque, Visa or MasterCard to purchase your ticket and if you are under the age of 76. Most of the free basic cover has exclusions, such as the age of travellers, pre-existing medical conditions and duration of travel. Banks offer purchase of top-up insurance and senior insurance for travel at preferential rates.

Private  Insurance Companies

Hollard is South Africa’s largest independent, privately owned insurance group. It has been going from strength to strength for more than 29 years. Hollard Travel Insurance offers wider coverage than many others and supports this with teams that are trained to help you.

Discovery Travel Insurance offers free basic cover when you pay for your ticket with your Discovery card. It covers claims such as personal accident, travel delays, personal liability and baggage loss or delay. This benefit is only available for international travel.

AIG  is another company that offers a number of different types of travel insurance, including a super senior policy for those from 80 to 84 years of age. They have global reach, affordable prices and offer good customer service.

A specialist division of Santam , TIC  has been insuring travellers for years. It offers a range of insurance cover for all types of travelers, including businessmen, leisure travellers, and corporate clients. Regent  offers a broad spectrum of travel insurance options for South Africans, including an economy option.

If you’re looking for travel insurance that offers cover for pre-existing medical conditions, Bryte  has a Jet Set Plan. The Bryte brand was born in 2017 and offers a wide variety of travel insurance, including a business plan and a golden years plan. They also have a top-up plan designed for travelers purchasing air tickets with a bank or credit card.

Don’t make the assumption that the automatic travel insurance supplied by many of the above banks and insurance companies when you purchase your ticket with a card will be sufficient. Most of the companies offer top-up cover to supplement this basic automatic travel insurance.

Finding affordable insurance is not difficult, with many travel insurers offering a wide range of plans to fit all budgets and requirements. Today, it is simple to buy this type of insurance online.

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Best travel credit cards of June 2024

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Travel credit cards help you earn valuable points and miles on your purchases. For maximum value, some cards earn rewards not only on travel, but also everyday purchases like dining, groceries and gas. You can redeem these rewards for free or discounted flights, hotel stays or to cover other travel-related expenses.

The best travel cards also come with additional features. Even no-annual-fee travel cards are likely to offer perks like sign-up bonuses, intro APR offers and travel insurance. But for top-of-the-line benefits like airport lounge access, elite status and travel credits, expect to pay an annual fee.

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Bankrate's Best Travel Credit Cards of June 2024

  • Best starter travel card:  Chase Sapphire Preferred® Card
  • Best for flat-rate rewards:  Capital One Venture Rewards Credit Card
  • Best for luxury travel:  The Platinum Card® from American Express
  • Best for no annual fee:  Capital One VentureOne Rewards Credit Card  ( See Rates & Fees )
  • Best for foodies:  American Express® Gold Card
  • Best for everyday spending: Citi Strata Premier℠ Card
  • Best for intro APR:  Bank of America® Travel Rewards credit card
  • Best for point values:  Chase Sapphire Reserve®
  • Best for practical perks:  Capital One Venture X Rewards Credit Card
  • Best for pairing:  Chase Freedom Unlimited®
  • Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
  • Best no-annual-fee hotel card:  Hilton Honors American Express Card
  • Best for luxury hotel perks: Marriott Bonvoy Brilliant® American Express® Card
  • Best for transfer partners:  Bilt Mastercard®
  • Best for gas:  Wells Fargo Autograph℠ Card
  • Best for companion tickets:  Delta SkyMiles® Platinum American Express Card
  • Best starter airline card:  Southwest Rapid Rewards® Plus Credit Card
  • Best for savers: Bank of America® Premium Rewards® credit card
  • Best for first-year value:  Discover it® Miles
  • Best for fair credit:  Credit One Bank Wander® Card
  • What to know about travel credit cards
  • Tips for choosing the best travel card

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Best starter travel card

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Chase Sapphire Preferred® Card

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

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℠.

60,000 bonus points

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

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.

Regular APR

21.49% - 28.49% Variable

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

What we love: This popular card comes loaded with features that can make it easy even for occasional travelers to offset the modest $95 annual fee without eating into hard-earned rewards. Plus, its rewards program is one of the best, giving you some of the most valuable travel redemptions — through both Chase and transfer partners — and Chase card pairing opportunities if you want to build your card portfolio eventually. Learn more: Why expert Margaret Weck loves using the Chase Sapphire Preferred Alternatives:   If you’re looking for an even simpler travel card, the Capital One Venture Rewards Credit Card is a terrific option. Its flat rewards rate makes it easy to know exactly how much you’ll earn with every purchase and though it can’t match the Sapphire Preferred’s redemption flexibility, it offers more redemption options than the typical travel rewards card. 

  • You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
  • The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
  • Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
  • The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best for flat-rate rewards

Image of Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Earn 75,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 5 Miles

19.99% - 29.99% (Variable)

  • 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 2 Miles 2 Miles per dollar on every purchase, every day

What we love: It’s a great option for travelers looking for a straightforward rewards program and flexible redemption options. You'll earn unlimited miles on all eligible spending and can redeem not only for travel bookings, but also as a statement credit to cover travel purchases made in the past 90 days. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase points are worth 1.25 cents each if you redeem for travel through Chase, while Capital One miles are only worth 1 cent each when you redeem for travel. Plus, Chase rewards are more helpful for occasional travelers since you can redeem as cash back at 1-cent-per-point value.

  • Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
  • Zero foreign transaction fees make this an excellent choice for international travelers.
  • You can’t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.
  • The card’s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don’t have large purchases on the horizon.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Best for luxury travel

Image of The Platinum Card® from American Express

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 80,000 points

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. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

See Pay Over Time APR

  • 5X 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.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: Luxury travelers and big spenders will appreciate the bevy of travel benefits, including annual statement credits worth around $1,700, elite hotel loyalty status and access to perhaps the most comprehensive airport lounge access available with a credit card. Learn more: Why expert Holly Johnson loves the Platinum Card® from American Express Alternatives: The Capital One Venture X Rewards Credit Card offers a taste of luxury at a lower cost than many premium travel cards. You can unlock a generous rewards rate on both travel and general purchases, complimentary access to popular airport lounge memberships and valuable annual travel credits and anniversary miles.

  • Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
  • A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
  • The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
  • Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings 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.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Best for no annual fee

Image of Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

  • 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card offers some of the same advantages as the Capital One Venture, without the burden of an annual fee. It gives you the chance to earn flat-rate miles on your everyday spending and the option to transfer miles to over 15 loyalty program partners to even cover travel purchases outside Capital One — a unique level of redemption flexibility for a starter travel card. Learn more: Reasons to get the VentureOne Rewards Card Alternatives: A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee. However, the Discover it® Miles earns a flat-rate 1.5X miles that can also be redeemed for cash back at 1-cent per mile, which is unusual for travel rewards.

  • The welcome offer is generous for a no-annual-fee travel credit card.
  • Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
  • Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
  • Capital One has no major U.S. carrier in its line-up of travel partners.
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for foodies

Image of American Express® Gold Card

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 60,000 Membership Rewards® Points

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

  • 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: Few credit cards are more rewarding for traveling foodies than the American Express Gold Card. Both the food-related annual credits and the rewards rates at restaurants, U.S. supermarkets and on flights booked directly with airlines or via the Amex travel portal are some of the best on the market. In fact, the up to $240 in credits each year alone nearly make up for the annual fee. Learn more: Why the Amex Gold is worth the annual fee Alternatives: If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred® Card . It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

  • This card features one of the best rewards return rates available on dining, groceries and food deliveries.
  • There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
  • Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
  • Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.

Best for everyday spending

Image of Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

70,000 bonus points

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases.

21.24% - 29.24% (Variable)

  • 10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • 3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • 1X Earn 1 Point per $1 spent on all other purchases

What we love: This card’s high rewards rate in everyday bonus categories makes it an especially good choice for occasional travelers and people looking for a standalone rewards card. Its practical bonus categories mean you can earn rewards quickly, even if you don’t actually spend a ton on travel. Alternatives:   As long as you don’t mind buying groceries online, the Chase Sapphire Preferred® Card could be an even more lucrative everyday rewards card. That’s thanks mostly to its high point redemption value (1.25 cents per point when you use points to book travel with Chase, versus just 1 cent per point when you book with Citi using the Strata Premier).

  • It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
  • Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
  • The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
  • Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Best for intro APR

Image of Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

  • 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.

25,000 points

  • 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.

19.24% - 29.24% Variable APR on purchases and balance transfers

  • 1.5X 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.

What we love: This entry-level travel card keeps things simple for occasional travelers. It offers simple flat-rate rewards and lets you redeem for a broad mix of travel options not typically available on many travel cards, such as cash back toward purchases with travel agencies,  zoos, art galleries and more. It’s even more valuable if you’re a Bank of America customer and can qualify for a rewards boost through the Bank of America Preferred Rewards® program. Learn more: Is the Bank of America Travel Rewards card worth it? Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but, unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.

  • Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
  • No annual fees or foreign transaction fees sweeten this offer.
  • It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
  • The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
  • 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 19.24% - 29.24% 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.

Best for point values

Image of Chase Sapphire Reserve®

Chase Sapphire Reserve®

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℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

22.49% - 29.49% Variable

  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
  • 5x Earn 5x total points on flights through Chase Travel℠.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases.

What we love: Rewards-savvy travelers will be hard-pressed to find a card with better rewards potential than the Sapphire Reserve. Points are worth 50 percent more through Chase Travel, and potentially more with the right transfer partner. It’s a stellar partner for Chase’s cash back cards and stacks on even more value with enough perks to recoup the annual fee without relying on hard-earned rewards. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Card Alternatives: The Capital One Venture X Rewards Credit Card offers some of the same key perks as the Sapphire Reserve at a much lower cost. Along with a generous rewards rate on both Capital One Travel and general purchases, the card boasts valuable, practical benefits like competitive airport lounge access , up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.

  • You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
  • Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
  • The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
  • You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
  • 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®

Best for practical perks

Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

  • 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

75,000 miles

10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 10 Miles

  • 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

  • Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
  • Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
  • To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
  • Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
  • 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

Best for pairing

Image of Chase Freedom Unlimited®

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% cash back on all other purchases.

20.49% - 29.24% Variable

  • 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
  • 1.5% 1.5% cash back on all other purchases.

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value.  Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex® .

  • You can pool rewards with other Chase cards to maximize your earnings.
  • The additional rewards rate offer can add even more cash back to your pocket for the first year.
  • The welcome offer isn’t as competitive as other cards’ offers.
  • Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best for hotel bookings

Image of Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card

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

Earn unlimited 5X points on hotels. Earn unlimited 4X points on airlines. Earn unlimited 3X points on other travel and restaurants. Earn 1X points on other purchases.

21.24%, 26.24%, or 29.99% Variable APR

  • 5X Earn unlimited 5X points on hotels
  • 4X Earn unlimited 4X points on airlines
  • 3X Earn unlimited 3X points on other travel and restaurants
  • 1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

  • You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
  • The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
  • Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
  • The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  • $95 annual fee.
  • Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  • Earn a $50 annual statement credit with $50 minimum airline purchase.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Image of Hilton Honors American Express Card

Hilton Honors American Express Card

  • Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Earn 70,000 points

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

20.99%-29.99% Variable

  • 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • 5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • 3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

  • Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
  • Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
  • A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
  • You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.

Best for luxury hotel perks

Image of Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card

  • Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 95,000 Marriott Bonvoy bonus points

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

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

  • Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
  • It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
  • Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
  • Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.

Best for transfer partners

Image of Bilt Mastercard®

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining. 2x points on travel. 1x points on other purchases. Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

  • 3X Points 3x points on dining
  • 2X Points 2x points on travel
  • 1X Points 1x points on other purchases
  • 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing. 

  • It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
  • Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
  • You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
  • There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
  • $0 Annual Fee.
  • Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
  • 2x points on travel.
  • 3x points on dining.
  • 1x points on other purchases.
  • Earn points when you make 5 transactions that post each statement period.
  • When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Image of Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

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

20,000 bonus points

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases.

20.24%, 25.24%, or 29.99% Variable APR

  • 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

  • While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
  • Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
  • Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
  • The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
  • 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.

Best for companion tickets

Image of Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

  • Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 85,000 miles

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

  • 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • 2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • 1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

  • Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
  • Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
  • Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
  • No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
  • Enjoy your first checked bag free on Delta flights.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • $350 Annual Fee.

Best starter airline card

Image of Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

  • Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 85,000 points

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; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

  • 2X Earn 2X points on Southwest® purchases.
  • 2X Earn 2X points on local transit and commuting, including rideshare.
  • 2X Earn 2X points on internet, cable, and phone services; select streaming.
  • 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
  • 1X Earn 1X points on all other purchases.

What we love: This card’s anniversary bonus offers enough value to nearly offset the annual fee on its own, so it should be a terrific low-stakes option whether you’re new to airline cards or a regular Southwest flyer looking for a low-maintenance card. Plus, its sign-up bonus value is on par with the value you’ll get with much pricier airline and travel cards. Learn more: Southwest Rapid Rewards Plus benefits guide Alternatives: The Southwest Rapid Rewards® Priority Credit Card could offer better value overall, despite its $149 annual fee. It carries an annual $75 Southwest travel credit and 7,500 bonus points each year on your account anniversary — more than enough value to justify the higher fee.

  • You’ll automatically earn 3,000 Rapid Rewards points each year after your account anniversary, which could offset much of the card’s already-low annual fee.
  • Delivers the same hefty sign-up bonus as higher-tier Southwest cards.
  • Unlike several travel cards, it doesn’t carry rewards categories for popular everyday purchases like gas or dining.
  • It may not be the best Southwest value for frequent flyers since it poses a 3 percent foreign transaction fee and doesn’t offer perks like upgraded boardings or elite status benefits.
  • 3,000 anniversary points each year.
  • 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; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.

Best for savers

Image of Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card

  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

60,000 points

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

21.24% - 29.24% Variable APR on purchases and balance transfers

  • 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
  • 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The  rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

  • The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
  • You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
  • Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
  • This card does not offer a few popular premium travel perks like lounge access.
  • Low $95 annual fee.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.

Best for first-year value

Image of Discover it® Miles

Discover it® Miles

  • Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Discover Match®

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

18.24% - 28.24% Variable APR

  • 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

  • All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
  • Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
  • You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
  • The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.

Best for fair credit

Image of Credit One Bank Wander® Card

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site. Earn 5x points on eligible travel, dining, and gas. Earn 1x points on all other purchases.

29.74% Variable

  • 10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
  • 5X Earn 5x points on eligible travel, dining, and gas
  • 1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

  • It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
  • Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
  • Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
  • Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
  • Earn 5x points on eligible travel, dining, and gas
  • Earn 1x points on all other purchases
  • Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees

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 the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

  • Co-branded cards
  • General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values. 

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value.  Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status. 

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases. 

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract  as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

  • Airline rewards values
  • Hotel rewards values
  • Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.  

  • Flexibility 15%
  • Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

  • Groceries: $5,700
  • Dining out: $3,600
  • Entertainment: $2,400
  • Gas: $3,100
  • Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

  • Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
  • Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
  • Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
  • Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
  • Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card. 

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Ask the experts: Is it a good idea to have multiple travel credit cards?

tic travel insurance fnb credit card

Thomas Nitzsche

tic travel insurance fnb credit card

Stephanie Zito

tic travel insurance fnb credit card

Erica Sandberg

tic travel insurance fnb credit card

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

tic travel insurance fnb credit card

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on June 12, 2024.

Discover International acceptance . Discover. Accessed on June 5, 2024.

“ Consumer Expenditures 2022 ,” U.S. Bureau of Labor Statistics. Accessed on June 12, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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COMMENTS

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