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Visa Signature: What Is It, and What Are the Benefits?

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"Visa Signature" refers to a package of benefits and perks offered on certain cards that carry the Visa name. Visa offers three levels of benefits , which vary by card. Signature is the middle level: It offers more than the basic benefits of the Traditional tier but not as much as you get with high-end Visa Infinite cards.

Below is a quick summary of Visa Signature benefits and a guide to using the more valuable ones.

Summary of Visa Signature benefits

Visa Signature benefits include the following:

Extended warranty protection.

Travel and emergency assistance.

Year-end spending summary.

Visa Signature concierge.

Roadside assistance (T).

Auto rental collision damage waiver (T).

Zero fraud liability (T).

Lost/stolen card reporting, emergency replacement and emergency cash (T).

Cardholder inquiry service (T).

Benefits marked with (T) are part of Visa's Traditional tier. The Signature package includes all Traditional benefits plus Signature-level perks.

VISA BENEFITS VS. ISSUER BENEFITS

Before we go into detail on these benefits, it's important to understand a few basic points:

Most of the features on a typical Visa credit card aren't dictated by Visa at all, but rather by the bank that issued the card (such as Chase, Capital One, Wells Fargo or your local community bank). Rewards rates, bonuses, interest rates and fees are all determined by the issuer.

Visa makes these benefits available on cards that carry the Visa Signature label, but it is up to the issuing bank to decide whether a particular card actually includes a particular benefit.

Many issuers offer their own benefits on top of (or in place of) those offered by Visa. These may be substantially more generous than Visa Signature benefits.

Extended warranty protection

How it works.

Visa's extended warranty protection can add more time to the manufacturer's warranty on items purchase with your Visa Signature card:

For warranties of less than a year, Visa doubles the warranty period.

For warranties of one to three years, Visa adds a year to the warranty period.

For warranties longer than three years, there is no extended warranty benefit.

The maximum coverage is $10,000 per claim and $50,000 per cardholder. Vehicles, real estate, computer software and certain other items are excluded from this coverage. You’ll have to register your purchase with Visa or save the receipt and the original manufacturer’s warranty if you want to take advantage of this protection. File a claim by calling your benefits administrator at 800-397-9010 in the U.S., or 303-967-1093 outside the U.S.

THINGS TO CONSIDER

Visa will only extend the manufacturer’s warranty, not improve it. If the manufacturer offers less-than-impressive terms — for instance, if it just covers defects rather than normal wear and tear — don’t expect Visa’s coverage to offer anything more. You’ll also have to show proof that you tried to get the item repaired through the manufacturer first, and getting the manufacturer to cover repairs can be a tedious process.

In some cases, getting a replacement item may be less of a hassle than waiting for a repair. Another alternative is buying an extended warranty or protection plan from the store where you bought the item, which might offer more coverage than the manufacturer's warranty. But, hey — the Visa Signature coverage is free for cardholders, so if all your manufacturer’s repairs are fully covered and shipping is reimbursed right away, it’s worth a try.

Travel and emergency assistance

Travelers needing information or assistance can call a dedicated multilingual hotline 24/7, and benefits specialists will connect them with services. In the U.S., the number is 800-992-6029; see this list for toll-free numbers in other countries. Available services include:

Pre-travel information about such things as immunizations and other health precautions, weather reports, currency exchange rates and visas.

Medical services, including referrals to health-care providers, emergency medical transportation and prescription assistance.

Legal and logistical help, including referrals to lawyers or bail services, document delivery, translation services, emergency replacements for lost tickets and assistance in finding lost luggage.

You'll have to pay for services you request. The phone call is free; whatever help they line up for you will be your responsibility. For example, if you need translation help, the hotline might put you in touch with a local interpreter, help you find a lawyer, or arrange for an ambulance ride, but you’ll have to pay the interpreter, lawyer or ambulance company.

Auto rental collision damage waiver

If you rent a car with your Visa Signature card, you can get additional coverage against physical damage or theft of the rental. This auto rental collision damage waiver, or CDW, applies to expenses that aren’t covered by your own insurance policy. To use the benefit:

Rent the car using your card. Coverage applies to rentals of up to 15 days in your home country or up to 31 days internationally.

Decline the CDW offered by the rental car agency.

Report damage or theft. If the car is damaged or stolen, you have 45 days to report it to Visa Card Benefit Services.

File a claim. You have 90 days to file a claim with supporting documentation. (If you don't have all the necessary documents by then, you have 365 days to provide them.) Required documents are listed on the claim form and include a copy of the rental agreement; a copy of your credit card billing statement showing the rental; information about your personal auto insurance; information about the necessary repairs; and a police or incident report about the accident or theft. Start your claim at eclaimsline.com .

This coverage usually comes on top of your personal insurance. If your rental is damaged or stolen, you'll first file a claim with your personal auto insurer. Visa's protection extends to charges not covered by that, including your deductible. This is known as "secondary coverage."

If you don't have a personal auto insurance policy, Visa's coverage becomes "primary," meaning you'll file the original claim through Visa. Also, some cards offer primary rental coverage in all cases. For example, the Chase Sapphire Preferred® Card is a Visa Signature, but its rental car coverage is primary. With primary insurance, you don't have to involve your own issuer at all if a rented vehicle is damaged or stolen.

The CDW covers only the rented vehicle. There's no liability protection for damage to other vehicles or for medical costs from an accident. It also doesn't cover your luggage or other belongings inside the rented vehicle. If you back into a pole, the Visa CDW is a nice perk; if you cause an accident that leaves other cars smashed up and people injured, you'll probably be going through your own insurance anyway.

It doesn't cover all vehicles. Passenger cars (economy through luxury class) are covered. SUVs are covered only when driven on the road. Not covered: vans that seat more than nine people, trucks, cargo vans and vehicles classified as "expensive."

It doesn't apply in certain countries. This coverage doesn't apply in Ireland, Israel or Jamaica. Also, some countries (including Australia, Costa Rica, Italy and New Zealand) require that people renting cars purchase a certain amount of insurance; Visa's coverage comes on top of that.

» MORE: Rental car insurance: How your credit card covers you

Roadside dispatch

If you have car trouble while on the road, you can call 800-847-2869 at any time, day or night, and Visa will hook you up with a tow truck, locksmith or other service provider. There's no limit to how often you can use the service. You'll pay a flat fee of $69.95 for the service call. Covered services include:

Jump start.

Changing a tire.

Lockout service. This covers the cost of getting you into your car when you're locked out. New keys cost extra.

Towing up to 5 miles. Beyond that, you can be charged extra.

Winching if your car is at least 100 feet from the road. Farther than that, it can be extra.

Fuel delivery of up to 5 gallons. You'll have to pay for the gas on top of the service fee.

On-the-spot repairs or diagnostic services may cost extra. Any additional services once your car is towed somewhere may also cost extra. If you’re a subscriber to a service like AAA already, or if your insurance has a roadside assistance program built in, those could be more affordable options.

Additional Visa Signature benefits

Other services and benefits available to Visa Signature cardholders:

Year-end spending summary. This detailed annual report breaks down where you used your card, which can help you with budgeting and tax prep.

Concierge service: If you need help choosing a gift for someone or arranging travel plans, you can call 24/7 , and a concierge will help you make arrangements. If you buy anything, though, you’ll have to foot the bill.

Zero fraud liability.

Cardholder inquiry service. This allows you to call Visa and get details about your card, including both issuer- and network-provided features.

Lost/stolen card reporting, emergency replacement and emergency cash. If your card is lost or stolen, Visa, will work with your issuer to get you a replacement quickly. It can also arrange an emergency cash advance.

Shipt delivery services. Through Dec. 31, 2024, get a free Shipt membership for three months and a 50% discount for nine months. This benefit also offers free deliveries on orders of $35 or more. Terms apply. Shipt provides delivery services from over 130 retailers in over 5,000 cities in the U.S.

Skillshare membership access. Through Sept. 19, 2023, get a free membership for three months to Skillshare’s online learning community of more than 30,000 classes when you put a Visa Signature credit card on file. You’ll also get a 20% discount on annual membership renewals purchased with your eligible card. Terms apply.

Sofar Sounds presales. Through Sept. 13, 2023, get an exclusive invitation to the seven-day presale of Sofar events and earn a free ticket when you purchase one or more tickets during that timeframe. Terms apply. Sofar Sounds offers live music concerts in over 400 cities worldwide.

Benefits you 'may' have

As mentioned, some credit card issuers offer perks beyond those provided by Visa. The Visa website highlights several of these extra benefits that "your Visa Signature card may come with," but keep in mind that they are not part of the Visa Signature package. They're dictated by the issuer. They include:

Lost luggage or baggage delay reimbursement.

Reimbursement for Global Entry application fee.

Reimbursement for travel delays, cancellations or interruptions.

Travel accident insurance.

Priority Pass airport lounge access.

Price protection, purchase protection and return protection.

Emergency medical service and medical evacuation.

Some of these benefits are included in the Visa Infinite package.

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• Credit Cards
• Credit Card Basics

How Does Credit Card Travel Accident Insurance Work?

Know the key coverages before you leave

What Is Travel Accident Insurance?

• What Does Credit Card Travel Accident Insurance Cover?

What Does Credit Card Travel Accident Insurance Not Cover?

How to file a travel accident claim, do i need travel accident insurance on my credit card.

Ippei Noei / Getty Images

We already know that travel is stressful. From planning to budgeting to packing, going on a trip involves a great deal of effort. Although it’s worth it in the end, juggling all the details can leave you feeling overwhelmed—especially when things go awry. 

Fortunately, certain credit cards can offer aid in these circumstances. Depending on your card issuer, you may be eligible for credit card travel accident insurance. This insurance will cover you and your immediate family members in case of severe injury or death while you travel.

Credit card travel accident insurance is a benefit offered by a variety of card issuers. This insurance offers a payout in cases of severe injury or death for you and your family members while traveling. The maximum benefit varies based on the card you have, how you sustain your injuries, how severe those injuries are, and if you sustained them in transit or during a non-travel period of your trip.

Issuers That Offer Cards With Travel Accident Insurance

Chase offers travel accident insurance on many of its travel cards. The Chase Sapphire Reserve offers a maximum payout of up to $1 million depending on when and where the accident happens. Other Chase cards provide coverage up to $500,000:

• Chase Sapphire Preferred
• World of Hyatt
• Marriott Bonvoy Bold
• United Quest

Capital One’s Visa Signature cards offer up to $250,000 in coverage, while its World and World Elite Mastercard options provide up to $1 million.

Barclays credit cards provide travel accident insurance, but the coverage amounts and benefits vary based on which network (Visa or Mastercard) the card is part of, a Barclays representative told The Balance by email.

Most credit card policies offer “common carrier” travel accident insurance, which covers you while you’re entering, exiting, or riding as a passenger on a common carrier (plane, bus, taxi, courtesy shuttle, etc.). Chase Sapphire cards, however, offer 24-hour travel accident insurance. This insurance continues to cover you during the first 30 days of your trip. For trips longer than 30 days, check your guide to benefits for coverage limits.

Not every credit card has travel accident insurance. To find out if yours offers this service, check the guide to benefits that comes with your credit card. Within it, you’ll find all the perks your card offers, including travel accident insurance—if it’s available.

Fortunately for cardholders, it’s simple to qualify for your credit card’s travel accident insurance: Pay for the trip with your card. Some cards may specify that you’ll need to pay for the trip in full with your card, so splitting payments with other travelers may disqualify you. This doesn’t necessarily apply to using points or vouchers, so you can combine those with your card payment and still be eligible for travel accident insurance.

If you are involved in an accident while traveling or preparing for transit to and from your destination, you’ll need to file a claim with the credit card issuer’s benefits administrator. If the benefits administrator approves your claim, you or your beneficiaries will receive a cash benefit within the limits of the benefit. 

What Does Credit Card Travel Accident Insurance Cover? 

Warning: The following section contains information some readers may find disturbing.

In general, credit-card travel accident insurance covers accidental loss of life, limb, sight, speech, or hearing. Credit card issuers tend to have very specific rules for the maximum benefit you can receive based on when injury or death occurs.

For example, Chase travel accident insurance covers: 

• Loss of at least four fingers above your middle knuckle, even if the fingers are reattached.
• Loss of at least three fingers and your thumb above their middle knuckles, even if the fingers are reattached.
• Permanent loss of vision in one or both eyes, where remaining eyes have 20/200 vision or worse.
• Loss of feet severed at or above the ankle joint.
• A death that occurs during travel, or that occurs because of the accident within 365 days of the incident.
• Injury caused by accidental consumption of a substance contaminated by bacteria.

Coverage amounts for each injury depend on the severity of the injury. Travel insurance available on Capital One Visa Signature cards pays out the full $250,000 for accidental loss of life, two or more body parts, and sight in both eyes, but only pays $125,000 for the loss of one body part, sight in one eye, and speech or hearing.

Your card’s guide to benefits has all the specific details about what is covered and coverage amounts. If you have any questions, call the benefits administrator listed in the benefits guide.

In most cases, your travel accident insurance won’t cover injuries or death that happen during certain types of activities. 

Capital One Visa Signature cards don’t cover death or injury resulting from war, acts of terrorism, travel between your residence and work, and flights on planes owned by Capital One Financial. 

The Chase Sapphire Reserve doesn’t cover death or injury resulting from the commission of an illegal act, parachute jumping and vehicular races, sporting events in which there is a cash prize, and trips taken on aircraft that don’t have government registration or certification. 

Neither  Capital One nor Chase cover the cost of emotional trauma, mental illness, disease, pregnancy, childbirth, or miscarriage.

If you find yourself in an accident resulting in an injury severe enough to warrant using your travel accident insurance, then you’ll need to file a claim. The process for filing a claim varies by card. Chase and Capital one, for example, both require you to file a written claim within 20 days after your accident.  

Credit-card issuers typically use a third-party insurance company to handle travel accident claims. The company's contact information should be available in your card’s benefits guide.

The benefits administrator or insurance company will send you forms within a defined period. You’ll need to return them soon thereafter to receive your payout, although you may get leeway if you aren’t able to respond quickly because of your injuries. Documents you may have to provide include: 

• Completed and signed claim form
• Travel itinerary
• Police report confirming the claimed accident
• The credit card account statement showing the charge for the common carrier or scheduled airline fare
• Copy of the death certificate

Be sure to check with your card issuer for specific details about filing a travel accident claim. 

Finally, be aware that filing a claim for your travel accident insurance isn’t affected by any other health or travel insurance that you possess. You’ll receive your payout regardless of other coverages you have.

Since credit card travel accident insurance covers instances of severe injury or death, it may make sense for you if you’re a frequent traveler and would like a supplement to a life insurance policy. 

If that doesn’t sound like something that applies to you, you may want to look for a credit card that provides a different type of travel insurance. Cards like the Platinum Card from American Express offer benefits such as a global assistance hotline through which you can arrange for emergency medical evacuation at no cost to you. Additional types of insurance include trip delay or trip cancellation insurance , which can reimburse in the case of lost luggage , missed flight connections, or delayed flight departures.

Chase. " Sapphire Reserve Travel Benefits ."

Chase. " Marriott Bonvoy Bold Benefits ."

United Quest Card. " Travel Protection ."

World of Hyatt Credit Card. " Travel Protection ."

Chase Sapphire Preferred. " Travel Accident Insurance ."

Capital One. " Your Guide to Benefits: Visa Signature Card ," Page 8.

Capital One. " Capital One World Mastercard Guide to Benefits ," Page 12.

Capital One. " Capital One World Elite Mastercard Guide to Benefits ," Page 12.

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The 8+ Best Credit Cards for Travel Accident Insurance [2023]

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What is Travel Accident Insurance?

Card summary, chase travel accident insurance, chase cards that provide travel accident insurance, chase coverage details and conditions, additional credit cards with travel accident insurance, how to file a claim, other useful travel protections and benefits, final thoughts.

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You don’t embark on a journey thinking something bad will happen because chances are that the worst won’t happen.  It’s good to know, however, that if something did happen and you were severely injured or even worse, there is coverage available — and it comes complimentary on your credit card.

Travel Accident Insurance is widely available but seldom used. In fact, news and media provider Reuters reports that there were zero accidental deaths on scheduled commercial U.S. air carriers in 2017, which is the most recent data available.

And while you don’t normally base your credit cards on this coverage, it’s helpful to know which cards come with this coverage. Travel protections and benefits can save you money when you travel and provide peace of mind knowing you have coverage should something drastic happen during your trip.

Travel Accident Insurance, specifically, is one of those peace-of-mind coverages that can be a welcome resource should you need it.

Here’s a look into travel accident insurance with the objective of defining the coverage and letting you know which popular cards carry the protection as part of a broader package of travel protections and benefits.

Travel Accident Insurance is a complimentary travel protection that is offered on certain travel rewards credit cards. The coverage pays out a specified benefit should you or your immediate family become severely injured, including dismemberment, loss of sight, hearing, or speech, or death due to a covered accident on a common carrier during your travels.

The coverage works similar to life insurance in the case of accidental death. Dismemberment and severe injury is handled differently in that a percentage of the total death benefit is paid out depending on the severity of the injury. The limits of the benefit payouts are depicted in a table published within the Guide to Benefits for each specific credit card.

Travel Accident Insurance is different than trip cancellation, trip interruption , and trip delay insurance in that it only pays a benefit in the case of accidental death or specified severe injuries when traveling on a common carrier.

Also, unlike most travel insurance policies that come with your credit card, travel accident insurance is not secondary coverage . This means it will pay benefits in addition to other life, disability, or medical coverage you hold.

Primary and additional cardholders can generally designate a beneficiary for the accident life insurance portion of the coverage.

Bottom Line: Travel Accident Insurance comes complimentary on many travel rewards credit cards. It works similar to an accidental life insurance policy in the case of death and pays out a percentage of that benefit in the case of severe injury. 

The Best Credit Cards for Travel Accident Insurance

The best credit cards for travel accident insurance coverage have travel protections and benefits beyond that of just travel accident insurance. The following travel rewards credit cards offer some of the best travel insurance packages available and all of the coverages come complimentary with the card .

Chase actually has 2 types of travel accident insurance:

• Common Carrier Travel Accident Benefit — this protection covers you while you are a passenger on any common carrier or at the airport/terminal/station immediately before or after your trip.
• 24-Hour Travel Accident Benefit — you will be covered as soon as you begin your trip, during your qualifying trip, and until you return for accidental death, dismemberment, and loss of speech, sight, or hearing.

Chase Sapphire Preferred ® Card (Top Pick)

The Chase Sapphire Preferred provides up to $500,000 for the Common Carrier Benefit, or $100,000 for the 24 Hour Benefit. In addition to travel Accident insurance, the Chase Sapphire Preferred card offers additional travel insurance .

Chase Sapphire Preferred ® Card

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

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

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

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase 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.
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Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

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Ink Business Preferred ® Credit Card

The Ink Business Preferred card provides up to $500,000 for the Common Carrier Benefit, or $100,000 for the 24 Hour Benefit.

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

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

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

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

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection
• Trip cancellation and interruption insurance
• Rental car insurance
• Extended warranty coverage
• No elite travel benefits like airport lounge access
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• APR: 21.24%-26.24% Variable
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Chase Sapphire Reserve ®

In addition to Travel Accident Insurance of up to $1,000,000 , the Chase Sapphire Reserve card offers complimentary emergency evacuation insurance up to $100,000 and $2,500 in emergency medical/dental expenses.

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

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

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

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

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

The Marriott Bonvoy Bold card offers up to $500,000 in travel accident insurance benefits when you purchase your common carrier ticket with your card.

Marriott Bonvoy Bold ® Credit Card

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold ® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

• Up to 14x points per $1 on Marriott purchases
• 2x points per $1 on travel purchases
• 15 Elite Night Credits each year (automatically gives you Silver Elite status)
• No foreign transaction fees
• No annual fee
• Lower point earn rate than other Marriott Bonvoy cards
• Marriott Bonvoy Silver Elite status is the lowest status tier
• Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
• Pay no annual fee with the Marriott Bonvoy Bold ® Credit Card from Chase ® !
• Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy ® with the Marriott Bonvoy Bold ® Card.
• 1X point for every $1 spent on all other purchases.
• Your points don't expire as long as you make purchases on your card every 24 months.
• No Foreign Transaction Fees.
• APR: 21.49%–28.49% Variable
• Hotel Credit Cards
• No Annual Fee Cards

Marriott Bonvoy

• Marriott Transfer Partners
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The World of Hyatt Credit Card

Pay for your transportation ticket with your World of Hyatt card and receive up to $500,000 in travel accident insurance due to a covered loss.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

• Up to 9 points total for Hyatt stays: 4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
• 1x point per $1 on all other purchases
• 1 Free Night Award each cardmember anniversary (Category 1 to 4)
• A second Free Night Award when you spend $15,000 on the card
• Hyatt Discoverist status
• 5 automatic elite night credits each year
• 2 elite night credits for every $5,000 spent on the card
• DoorDash DashPass subscription
• Trip cancellation/interruption and luggage insurance
• Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
• APR: 21.49% - 28.49% Variable

World of Hyatt

• Benefits of the Hyatt Credit Card
• How to Earn Globalist Status With World of Hyatt Credit Card Spend
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United-branded Credit Cards

United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

You should consider the United℠ Explorer Card , because this card does all that and more!

• 2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
• 1x mile per $1 on all other purchases
• First checked bag free for you and up to 1 traveling companion
• 25% statement credit on United inflight purchases
• Priority boarding
• Global Entry, TSA PreCheck, or NEXUS statement credit
• 2 United Club 1-time passes each year
• Premier upgrades on award tickets
• Travel and purchase protections
• $0 intro annual fee for the first year, then $95 annual fee
• Does not earn transferable rewards
• Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $95.
• Earn 2 miles per $1 spent on dining, hotel stays, and United ® purchases
• Up to $100 Global Entry, TSA PreCheck ® or NEXUS fee credit
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
• Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
• Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
• APR: 21.99% - 28.99% Variable
• Airline Credit Cards

United MileagePlus Frequent Flyer Program

• Benefits of the United Explorer Card
• Best Credit Cards for Airport Lounge Access
• Best Chase United Credit Cards
• Best Credit Cards for Global Entry and TSA PreCheck

United Club℠ Infinite Card

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

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

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

• 4x miles per $1 on United purchases
• 2x miles per $1 on travel and dining purchases
• Complimentary United Club membership
• Free first and second checked bag for you and 1 traveling companion
• United Premier Access
• 25% back on United inflight purchases
• Complimentary Premier Upgrades on United-operated award tickets (when available)
• Expanded award availability
• Up to 10,000 Premier Qualifying Points
• $100 Global Entry/TSA PreCheck/NEXUS credit
• Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
• Shopping protections like return protection, purchase protection, and extended warranty protection
• IHG One Rewards Platinum Elite status and a $75 annual credit
• Avis President’s Club elite status
• 10% discount on United Economy Saver Awards within the continental U.S. and Canada
• $525 annual fee
• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United ®  purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access ® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
• Best Credit Cards for United Flyers
• United Club Lounge Locations
• New Benefits for United Club Infinite Card [IHG Elite Status, 10% Off Awards]

United Quest℠ Card

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

The newest addition to United’s lineup of cards is the United Quest℠ Card . With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.

With an annual fee that falls between the United℠ Explorer Card and United Club℠ Infinite Card , the United Quest card makes for a fantastic card option for United frequent flyers.

• 3x miles per $1 on United purchases
• 2x miles per $1 spent on travel, dining, and select streaming services
• $125 annual United credit
• 2 5,000-mile anniversary award flight credits
• Up to 3,000 Premier Qualifying Points
• Up to $100 Global Entry/TSA PreCheck/NEXUS credit
• Travel and shopping protections including trip delay insurance, lost/delayed luggage insurance, rental car insurance, purchase protection, and extended warranty protection
• Does not offer airport lounge access
• $250 annual fee
• Earn 60,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United ® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
• Up to a $125 United ® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

United Gateway℠ Card

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

The United Gateway℠ Card is a great option for those looking to earn more United miles without wanting to pay a credit card annual fee. Plus, the card offers other solid benefits like a 25% back on United inflight purchases, purchase protection, and rental car insurance.

• 2x miles per $1 on United purchases
• 2x miles per $1 at gas stations and on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit
• 25% back on inflight purchases
• Trip cancellation and trip interruption insurance
• If you are a frequent United flyer, other cards offer more perks
• It does not earn transferable rewards
• Earn 20,000 bonus miles
• Earn 2 miles per $1 spent on United ® purchases, at gas stations and on local transit and commuting
• Earn 2 miles per $1 spent on United ® purchases
• Earn 2 miles per $1 spent at gas stations, on local transit and commuting
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• APR: 0% Intro APR on Purchases for 12 months; after that, 21.99% - 28.99% Variable
• Best No-Annual-Fee Credit Cards for Hotel & Airline Benefits

United Club℠ Business Card

The United Club Business card is a great option for frequent United flyers looking for United Club access.

The United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.

From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.

• 2x miles per $1 spent on United purchases
• 1.5x miles per $1 spent on all other purchases
• Free checked bags
• Premier Access travel services
• Discount on inflight purchases
• Upgrades on award tickets
• Employee cards at no additional cost
• $450 annual fee
• Earning rate for United purchases is poor compared to other United cards
• Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open
• Earn 2x miles on United purchases
• Earn 1.5x miles on all other purchases
• United Club membership — up to a $650 value per year. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi, and more
• Free first and second checked bags for you and a companion, save up to $320 per round-trip
• APR: 21.99%–28.99% Variable
• Foreign Transaction Fees: $0
• Business Credit Cards
• Best Ways To Book United Polaris Business Class Using Points
• Best Ways To Earn United MileagePlus Miles
• Best Ways To Redeem 60,000 United Airlines Miles
• Best Ways To Redeem United MileagePlus Miles
• Best Ways to Earn 100k+ United MileagePlus Miles
• How To Get United Airlines Elite Status
• What Is United MileagePlus Elite Status Worth: Seating & Upgrades

These United-branded credit cards come with complimentary travel accident insurance of up to $500,000 .

Who is covered on Chase-issued credit cards?

The primary cardholder, additional card holder, and immediate family members are covered for Chase Travel Accident Insurance.

Immediate family is defined as you (the cardholder), your spouse or domestic partner, you or your domestic partner’s children, including adopted children or step-children. Additionally, legal guardians or wards, siblings or siblings-in-law, parents or parents-in-law, grandparents, grandchildren, aunts/uncles, and nieces/nephews are covered.

Conditions for Coverage on Chase Cards

• Pay for the common carrier fare in full or in part with your eligible Chase card
• The accident occurs while riding as a passenger, boarding, exiting, or being struck by a common carrier on a covered trip
• The accident occurs at the airport, terminal, or station at the beginning or end of the common carrier-covered trip

Bottom Line: Many Chase credit cards come with travel accident insurance and since the definition of covered persons is so broad, benefits are provided for even extended family members.

There are several other travel rewards cards that offer Travel Accident Insurance to varying degrees.

Capital One-Issued Rewards Cards — All of Capital One’s Visa Signature and Mastercard Rewards cards come with Travel Accident Insurance coverage. Charge your entire travel fare to your card and receive up to $250,000 in benefits. You can read about our recommended Capital One Cards here.

Visa Infinite Credit Cards —  Cardholders and dependents are covered when the common carrier ticket is purchased with the eligible card. Coverage is provided up to $500,000 for accidental death or dismemberment.

Wells Fargo Visa Signature Cards — Pays up to $1,000,000 when your common carrier ticket is paid for in full with your card.

Filing a claim for accidental death or severe injury is straightforward regardless of the issuing credit card institution. The first step is to contact the benefits administrator as soon as possible after the accident, generally no later than 30 days, by calling the number on the back of your card.

You could be asked to submit any of the following for documentation:

• Completed and signed claim form
• Proof of payment method for common carrier ticket
• Explanation of loss
• Death certificate, if applicable
• Medical records, if applicable

Bottom Line: Regardless of the credit card issuer, you’ll want to submit your claim on a timely basis and confirm that all the required documentation has been received by the benefits administrator to avoid any chance your claim being delayed or denied due to lack of information. 

Travel Accident Insurance is just one travel protection offered complimentary on travel rewards credit cards. Look for these additional travel benefits when selecting a travel rewards card.

• Car rental collision damage waiver insurance — one of the most valuable travel benefits you can have is primary rental car insurance. Learn which cards are best for car rental insurance .
• Trip cancellation and trip interruption coverage — When your trip is canceled or delayed, it’s bound to result in unplanned expenses. Trip cancellation and interruption coverage will reimburse you for covered events that cause you to cancel your trip or cause disruption while your trip is in progress.
• Trip delay reimbursement — If your flight is delayed a specified number of hours, usually 12 hours or more, a benefit is paid to reimburse you for expenses such as lodging, transportation, meals, and necessary personal items
• Lost, damaged, or delayed luggage insurance — Chances are you’ll get paid by the airline if your baggage is lost, damaged, or delayed. This coverage will pay for eligible incidents where your out-of-pocket costs are more than the common carrier will cover.
• Travel and emergency assistance services — Help is just a phone call away, day or night, if something goes wrong during your travels. Get help finding an English speaking medical provider, legal services, or assistance replacing a lost passport.
• Emergency evacuation insurance — A few premium travel rewards cards such as the Amex Platinum Card and the Chase Sapphire Reserve provide emergency evacuation transportation services.
• Emergency medical coverage — The Amex Platinum Card, Chase Sapphire Preferred, and Chase Sapphire Reserve all offer limited reimbursement coverage for medical emergency expenses.
• Roadside dispatch – Premium travel rewards cards such as the Amex Platinum Card come with free roadside assistance. Other cards charge a flat discounted fee per service call. Roadside dispatch is a handy coverage to have on your card, in either case, if you should break down on the side of the road.

Bottom Line: Finding a card that has a package of complimentary travel protections and benefits you can use brings extra value that can save you money or provide peace of mind during your travels.

No one likes to think about having a severe accident happening during their travels. Chances are, you’ll never have to worry about using the travel accident insurance that comes with your card. However, just knowing it exists is enough.

It is not a key travel insurance coverage that causes you to weigh one travel rewards card over another. Selecting a card that offers a broader collection of travel protections and benefits you can use is a more prudent approach.

Always compare the coverage that comes on your card with a comprehensive travel insurance policy to determine if the complimentary coverage is adequate for your trip. If not, you can supplement the complimentary coverage easily and inexpensively.

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

The information regarding the Marriott Bonvoy Bold ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

How does travel accident insurance work.

Travel accident insurance is an ancillary coverage that comes complimentary with many credit cards. It functions like a life insurance policy in the case of accidental death and pays a benefit in case of severe accidental injury (dismemberment or the loss of sight or hearing).

Coverage can range from $100,000 to $1,000,000 depending on the credit card for accidental death or severe injury when traveling on a common carrier such as a plane, train, or cruise ship.

The definition of who is covered also differs by credit card. Some cards cover only the cardholder, spouse, and dependent children under a certain age.

Other cards extend coverage to immediate family including in-laws, and step-children.

Travel accident insurance is not a secondary excess coverage. This means that even if you have other insurance coverage it will still pay the full appropriate benefit.

Some cards require that you pay for your entire common carrier ticket with your eligible card, others require that only a portion of your ticket be paid for with your card.

How do I know if my card has travel accident insurance?

The easiest way to find out if you have travel accident insurance is to call the number on the back of your card.

You can also access your printed Guide to Benefits that came with your card or go to your online credit card account and access the information there.

Additionally, you can request a copy of the Guide to Benefits be sent to you.

Does travel accident insurance cover rental cars?

Travel accident insurance does not cover accidents that happen with rental cars. However, chances are you have coverage for damage to the rental car either on your own auto insurance policy, car rental coverage that comes with your credit card, or coverage you purchased from the rental car company.

Travel accident insurance also does not cover accidental death or severe injury from an accident involving a rental car. Coverage is limited to accidents involving common carriers such as planes, trains, and cruises.

Is travel accident insurance important?

Chances are you will never have to use travel accident insurance. However, having it can give you peace of mind that if something drastic should happen during your travels, the coverage is there.

Travel accident insurance is just one benefit among many travel insurance benefits you should look for when selecting a travel rewards card.

It often comes included with other important travel benefits such as car rental insurance, trip interruption, trip cancellation, trip delay reimbursement, emergency travel assistance, and roadside assistance, plus others.

Selecting a card that has a full package of travel benefits you can use will bring the most value.

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About Christine Krzyszton

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

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Visa Signature Cardholder Benefits

View a table of all visa signature benefits and details. mar 15, 2024 • knowledge.

See below for additional benefits that come with your Visa® Signature Credit Card (for US cardholders only):  

View the complete Visa Signature Guide to Benefits here .

System Information

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Credit Card Benefits Guide

Explore all the benefits your card offers.

Discover the valuable coverage and unique services available to you as a cardholder.

Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for complete details.

Call 844-288-2141 to get assistance with services or benefits and claims information. Outside the U.S., call collect: 804-673-1675 .

• All Card Benefits
• Travel Benefits
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• Protection Benefits

Cell Phone Protection

When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is stolen or damaged.

This benefit is available if you are a valid cardholder of an eligible U.S. issued card enrolled in the Cellular Telephone Protection benefit and you charge your monthly cellular wireless phone bills to your eligible card for the billing cycle before the month in which the incident occurs.

Call 844-288-2141 .

Purchase Security

Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security available when you pay with your eligible account.

Purchase Security protects new retail purchases made with your eligible credit card and/or rewards program associated with your covered credit card within the first 90 days from the date of purchase. This benefit replaces, repairs, or reimburses you up to $1,000 per claim and $10,000 per cardholder in the event of theft or damage.

Auto Rental Collision Damage Waiver

Reserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent with your covered USAA credit card and get built-in auto rental coverage.

When you use your USAA credit card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You’re covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the collision damage waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement.

Travel and Emergency Assistance

If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also get medical and legal referrals, prescription assistance, travel planning and other services.

You can access key resources when you’re away from home or planning a trip. Get assistance with emergency transportation, translations and relaying emergency messages to family members. Also, you can receive information on refilling prescriptions, locating lost luggage, speaking to an attorney and replacing travel documents.

Trip Cancellation and Interruption

You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This coverage is available when you buy your ticket with your card.

If your travel is canceled or interrupted, you may be reimbursed for your non-refundable prepaid passenger fare. The cancellation must be due to a covered reason, such as an illness or accident affecting you or another family member that prevents you from traveling, or a change in military orders.

Travel Accident Insurance

When you purchase your travel ticket with your USAA card, you are eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train or bus transportation.

Travel Accident Insurance may offer coverage if you suffer loss of: life, limb, hearing, speech or sight. It provides benefit amounts of up to $500,000, depending on the loss. Be covered during courtesy ground transportation to and from the airport (or train depot, bus terminal, etc.) as well as between terminals and while you are at the airport — immediately before departure or immediately after arrival on any covered trip.

Baggage Delay Reimbursement

If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or toiletries while waiting for your baggage to arrive.

You may be reimbursed for the essential items you buy when your baggage is delayed for four or more hours. Covered items include toiletries, clothing and device chargers. To be eligible, pay for your passenger fare with your credit card and report delayed baggage to your travel supplier.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer’s warranty on items purchased with your card. Get up to an additional year of coverage.

With this protection, you can extend an original manufacturer's warranty of three years or less, up to one additional year. Plus, no more hunting through your file drawers for warranties and receipts. Simply register your products to keep your information handy.

Concierge Services

Need advice on restaurants or gifts? Are you trying to arrange travel or concert tickets? This exclusive service for USAA Visa Signature® credit cards gives you 24/7 access to a concierge who can guide you.

With the USAA Visa Signature® credit cards, you get concierge services 365 days a year. Call for guidance on making restaurant, hotel, entertainment or travel reservations. Find shopping or leisure activities in the area. Before a trip, check on exchange rates or vaccination requirements. You can also take advantage of business and specialty services.

Visa Signature® Travel Card

Your rewards card for travel, merchandise, tickets, and more, keep iq in your wallet and the rewards points will pile up.

Benefits & Features

With our visa signature® travel card, every dollar you spend will earn you points—redeemable for exciting rewards or cashback inside your online banking., more rewards to explore, no annual fee, 2.99% apr* on first 6 months of purchases, 2x electric vehicle charging points, 1 point = $1 spent, 24/7 fraud protection, zero cash advance or foreign transaction fees, convenient online travel reservations, travel accident insurance 4, lost luggage & baggage delay reimbursement, ready to apply, choose one of the options below to get started:.

Wander more with ViewPoints

Iq’s visa signature® rewards program, 1 point = $1 spent on everyday transactions and make the most out of your points. earn extra points for travel and dining (3x) and gas/electric vehicle charging (2x). points never expire..

For the first six months, you’ll receive our promotional rate of 2.99% APR** on all new purchases. Plus, if you spend $3,000 in the first 90 days, we’ll give you an extra 25,000 bonus points—roughly the equivalent of an airline ticket.

View your points dashboard and rewards redemption options with a single login inside Digital Branch.

Visa Signature Travel - Rewards Points Redemption Categories

When it comes to redeeming your hard-earned rewards points, we have a wide range of exciting options for you to choose from. whether you're a travel enthusiast, a sports fan, or someone who loves unique experiences, we've got you covered., experiences, theme parks, prepaid cards, charitable donations, merchandise, disclosures.

*APR= Annual Percentage Rate.

The current Wall Street Journal prime index rate is 8.50%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

Disclosure for Visa Signature Rewards | Disclosure for Visa Platinum rewards available here.  | Disclosure for Visa Platinum available here. | Disclosure for Shared Secured Visa Platinum available here.

Visa Signature® Travel 4 : After promotional period expires, Variable Annual Percentage Rate (APR) will be 15.49% - 19.49% for business card holders. Variable Annual Percentage Rate (APR) will be 15.49% - 21.49% for consumers. Rates Effective as of August 25, 2023. There is no annual fee for this credit card. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.

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Travel Accident Insurance

Terms and conditions.

Reimbursement Level: Up to $250,000

Description of coverage

The plan: As a UBS Visa Signature Business cardholder, you, your spouse, or domestic partner, and your dependent children will be automatically insured against accidental loss of life, limb, sight, speech or hearing while 1) riding as a passenger in, entering or exiting any Common Carrier on which the Insured Person has purchased passage; or 2) riding as a passenger in, entering or exiting any Conveyance licensed to carry the public for hire or any Courtesy Transportation provided without a specific charge and while traveling to or from the airport, terminal or station: a) immediately preceding the departure of the scheduled Common Carrier on which the Insured Person has purchased passage; or b) immediately following the arrival of the scheduled Common Carrier on which the Insured Person was a passenger; or 3) at the airport, terminal or station at the beginning or end of the Common Carrier Covered Trip. If the purchase of the Common Carrier passenger fare is not made prior to the Insured Person’s arrival at the airport, terminal or station, coverage will begin at the time the cost of the Common Carrier passenger fare is charged to the Insured Person’s Account.

Eligibility: This insurance plan is provided to UBS Visa Signature Business cardholder, automatically when the entire cost of the passenger fare(s) are charged to the UBS Visa Signature Business card account while the insurance is effective. It is not necessary for you to notify UBS Financial Services Inc., the administrator or the Company when tickets are purchased.

The cost: This insurance plan is provided at no additional cost to eligible UBS Visa Signature Business cardholders. UBS Financial Services Inc. pays the full cost of the insurance.

Beneficiary: The Loss of Life benefit will be paid to the beneficiary designated by you. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) your spouse or domestic partner, b) your children, c) your parents, d) your brothers and sisters, e) your estate. All other indemnities will be paid to you.

The benefits: The full Benefit Amount is payable for accidental loss of life; loss of speech and loss of hearing; loss of speech and one of loss of hand, foot or sight of one eye; loss of hearing and one of loss of hand, foot or sight of one eye; loss of both hands, both feet, loss of sight or any combination thereof. 50% of the Principal Sum is payable for accidental loss of hand, foot or sight of one eye (any one of each); loss of speech or loss of hearing. 25% of the Principal Sum is payable of loss of thumb and index finger of the same hand.  “Loss” means, with respect to a hand, complete severance through or above the knuckle joints of at least 4 fingers on the same hand; with respect to a foot, complete severance through or above the ankle joint. The Company will consider it a loss of hand or foot even if they are later reattached. “Benefit Amount” means the Loss amount at the time the entire cost of the passenger fare is charged to a UBS Visa credit card of an accident. The loss must occur within one year of the accident. The Company will pay the single largest applicable Benefit Amount.

Account aggregate limit of insurance: If more than one Insured Person insured under the same Account suffers a loss in the same accident, we will not pay more than two times the applicable benefit amount (the aggregate limit of insurance). If an accident results in benefit amounts becoming payable, which when totaled, exceed two times the applicable benefit amount, then the aggregate limit of insurance will be divided proportionally among the Insured Persons, based on each applicable benefit amount.

Definitions :

Accident or Accidental means a sudden, unforeseen and unexpected event which happens by chance, arises from a source external to the insured person, is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof, occurs while you are insured under this policy which is in force and is the direct cause of the loss.

Account means credit card accounts, debit card accounts, central bill accounts, checking accounts and savings accounts as set forth in the policy.

Benefit Amount means the amount which applies to you at the time the entire cost of the fare is charged to your account during the policy period, for the applicable hazard.

Cardholder means an individual who is named on the account card issued by the policyholder.

Common Carrier means any motorized land, water or air conveyance organized and licensed for the transportation of passengers for hire and operated by an employee or an individual under contract.

Common Carrier Covered Trip means travel on a Common Carrier when the full fare for such transportation less any redeemable frequent flyer miles, coupons or certificates has been charged to the Insured Person’s Account issued by the Policyholder. If frequent flyer miles, coupons or certificates are redeemed a charge of at least $1.00 or the full amount due for the trip, whichever is greater, must be charged to the Account for travel to be considered a Common Carrier Covered Trip.

Company means Federal Insurance Company.

Conveyance means any motorized craft, vehicle or mode of transportation licensed or registered by a governmental authority with competent jurisdiction.

Credit Card means a payment medium that takes the form of a credit card, credit plate, charge plate, courtesy card, or other identification card or device, issued to the Insured Person. The Insured Person may use the Credit Card to purchase, hire, rent or leased property or services. Credit Card does not include a Debit Card.

Dependent Child means the primary insured person’s unmarried child, dependent on the primary insured person for maintenance and support, under the age of 19, under the age of 25 if enrolled as a full- time student at an institution of higher learning or classified as an incapacitated dependent child.

Domestic Partner means a person designated by the primary insured person who has executed an affidavit of Domestic Partnership; is registered as a domestic partner or legal equivalent under the laws of any jurisdiction or who is at least 18 years of age and competent to enter into a contract; is not related to the primary insured person by blood; has exclusively lived with the primary insured person for at least 12 months prior to the date of enrollment; is not legally married or separated and as of the date of enrollment has with the primary insured person at least two of the following financial arrangements: a joint mortgage or lease, a joint bank account, joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease or a joint credit card account with a financial institution. Neither the primary insured person or domestic partner can be married to, nor in a civil union with, anyone else.

Incapacitated Dependent Child means a child who, as a result of being mentally or physically challenged, is permanently incapable of self-support and permanently dependent on the Primary Insured Person for support and maintenance. The incapacity must have occurred while the child was: 1) under the age of nineteen (19); or 2) under the age of twenty-five (25) if enrolled as a full-time student at an Institution of Higher Learning.

Insured Person means a person qualifying as a class member, as listed in the policy, who elects insurance or for whom insurance is elected and on whose behalf premium is paid.

Loss means accidental loss of foot, loss of hand, loss of hearing, loss of life, loss of sight, loss of sight of one eye, loss of speech, loss of thumb and index finger. Loss must occur within one year after the accident.

Loss of Foot means the complete severance of a foot through or above the ankle joint.

Loss of Hand means a complete severance, as determined by a physician, of at least 4 fingers at or above the metacarpal phalangeal joint on the same hand or at least 3 fingers and the thumb on the same hand.

Loss of Hearing means permanent, irrecoverable and total deafness, as determined by a Physician, with an auditory threshold of more than 90 decibels in each ear. The deafness cannot be corrected by any aid or device, as determined by a Physician.

Loss of Life means death, including clinical death, as determined by the local governing medical authority where such death occurs within 365 days after an Accident.

Loss of Sight means permanent loss of vision. Remaining vision must be no better than 20/200 using a corrective aid or device, as determined by a Physician.

Loss of Speech means the permanent, irrecoverable and total loss of the capability of speech without the aid of mechanical devices, as determined by a Physician.

Loss of Thumb and Index Finger means complete severance, through the metacarpal phalangeal joints, of the thumb and index finger of the same hand, as determined by a Physician. We will consider such severance a Loss of Thumb and Index Finger even if a thumb, an index finger or both are later reattached. If the reattachment fails and amputation becomes necessary, then We will not pay an additional Benefit Amount for such amputation.

Policyholder means UBS Financial Services, Inc.

Primary Insured Person means the Insured Person who: 1) has a direct relationship with the Policyholder; and 2) where applicable elects insurance under this policy; and 3) pays the required premium, for the insurance elected.

Principal Sum means the amount of insurance applicable to each class.

Proof of Loss means written evidence acceptable to us that an accident, accident bodily injury or loss has occurred.

Spouse means your husband or wife or domestic partner who is recognized as such by the laws of the jurisdiction in which the primary insured person resides.

War means hostilities following a formal declaration of war by a governmental authority; in the absence of a formal declaration of war by a governmental authority, armed, open and continuous hostilities between two countries or armed, open and continuous hostilities between two factions, each in control of territory or claiming jurisdiction over the geographic area of hostility.

We, Us and Our means Federal Insurance Company.

Exclusions: This insurance does not apply to any Accident, Accidental Bodily Injury or Loss caused by or resulting from, directly or indirectly: 1) the Insured Person entering, or exiting any aircraft while acting or training as a pilot or crew member; 2) the Insured Person’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment or diagnosis thereof; 3) the Insured Person’s suicide, attempted suicide or intentionally self-inflicted injury; or 4) a declared or undeclared War.

This exclusion does not apply to the Insured Person’s bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.

This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life- threatening emergency.

Claim notice: Written claim notice must be given to us within 20 days after the occurrence of any loss covered by this policy or as soon as reasonably possible. Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible.

Claim forms: When we receive notice of a claim, we will send you forms for giving proof of loss to us within 15 days. If you do not receive the forms, you should send us a written description of the loss.

Claim proof of loss: Complete proof of loss must be given to us within 90 days after the date of loss, or as soon as reasonably possible.

Claim payment: We will pay you or your beneficiary the applicable benefit amount within 60 days after we receive complete proof of loss and if you, the Policyholder and/or the beneficiary have complied with all the terms of this policy.

Effective date: Your insurance becomes effective on the latest of: the effective date of this policy, the date on which you first meet the eligibility criteria as the Insured Person or the beginning of the period for which required premium is paid for you. Insurance for you automatically terminates on the earliest of: the termination date of this policy, the expiration of the period for which required premium has been paid for you, the date on which you no longer meet the eligibility criteria as the Insured Person or the date on which we pay out 100% of the principal sum. Answers to specific questions can be obtained by writing the Plan Administrator. To make a claim please contact the Plan Administrator:

Plan Administrator cbsi Card Benefit Services 550 Mamaroneck Avenue, Suite 309 Harrison, NY 10528

Plan underwritten by Federal Insurance Company a member of the Chubb group of insurance companies 15 Mountain View Road, P.O. Box 1615 Warren, New Jersey 07061-1651

Policy: 9907-74-40 Form No. CCA7000Acc-NJ (Ed.09/06)

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Wells Fargo Autograph Journey Credit Card Review 2024: Earn up to 5X Points on Travel Purchases

Wells fargo autograph journey℠ card.

Wells Fargo’s new travel rewards card earns up to 5X points on travel-related purchases.

Expert Take : The Wells Fargo Autograph Journey℠ Visa® Card is an excellent choice for travelers who want to maximize rewards on travel purchases booked directly with airlines, hotels and other providers. While it has an annual fee, the $50 annual flight credit covers more than half of the cost. It also includes complimentary travel protections and cell phone insurance to cover unexpected situations.

• Earns up to 5X points on travel-related purchases
• $50 annual flight credit with a minimum $50 airline purchase
• Flexible rewards redemptions include transfers to airline and hotel partners
• Missing bonus categories on everyday purchases, like gas and groceries
• Does not include an intro APR offer on purchases or balance transfers
• Current list of transfer partners is smaller than competitors

Vault’s Viewpoint on Wells Fargo’s Autograph Journey Card

As competitors like Chase, Amex and Capital One gained legions of loyal followers, Wells Fargo missed out on the growth because of its meager credit card lineup. With the introduction of the Autograph Journey credit card and transferable points, Wells Fargo is taking a huge step forward.

The Wells Fargo Autograph Journey Card is designed with travelers in mind by earning 5X points on hotels, 4X points on airlines and 3X points on dining and all other travel purchases. With the introduction of transferable points, cardholders can redeem for cash back, travel, gift cards and more or transfer points to a growing list of Wells Fargo airline and hotel partners. Plus, it includes a $50 annual statement credit toward airline purchases. Travelers are also covered with an array of travel protections and cell phone insurance in case something goes wrong.

About the Wells Fargo Autograph Journey Travel Credit Card

The Wells Fargo Autograph Journey credit card builds upon the success of the original Wells Fargo Autograph℠ Card , as it also earns flexible points but with a focus on travel and dining purchases.

With the Autograph Journey, you’ll earn up to 5X points on travel-related purchases and an unlimited 3X points on dining worldwide. The card includes an annual flight credit that’s good on any airline, without having to choose an airline ahead of time. When you book trips with the Autograph Journey Card, you’ll receive valuable travel benefits to protect your trip, like rental car protection, trip cancellation/interruption protection, lost baggage reimbursement and more. Your cell phone is also covered up to $1,000, up to two times per 12-month period, when you pay the bill with your Autograph Journey Card (subject to a $25 deductible).

As a new cardholder, you can earn 60,000 bonus points by spending at least $4,000 on purchases within the first three months. These points are worth $600 toward travel and have numerous redemption options, including booking flights and hotels, getting cash back or buying gift cards. Wells Fargo also introduced transfer partners in April 2024, so you can transfer points to airlines and hotels to book award reservations worth potentially even more.

Benefits of the Wells Fargo Autograph Journey Card

In this Wells Fargo Autograph Journey Card review, you’ll learn about the card’s numerous benefits and how they can improve your travel experience.

Earning Power

People who love to travel can maximize their rewards with the Autograph Journey Card. This card’s bonus categories target the areas where travelers spend the most—flights, hotels, dining and other travel purchases.

Flexible Redemptions and Transfer Partners

The points earned from the Autograph Journey credit card have multiple redemption options. You can redeem them as a credit to your Wells Fargo credit card statement, as a deposit to your Wells Fargo bank account or to reduce your Wells Fargo mortgage balance. Points can be used to pay for online shopping or to buy gift cards. You can also book travel through Wells Fargo.

As of April 2024, Wells Fargo introduced hotel and airline transfer partners. The initial partners include:

• Choice Privileges®
• Air France-KLM Flying Blue
• Avianca LifeMiles
• British Airways Executive Club
• Aer Lingus AerClub
• Iberia Plus

Wells Fargo plans to expand this lineup to offer even more transfer opportunities to cardholders.

$50 Annual Airline Credit

Each year, you’ll receive a statement credit of $50 when you make an airline purchase of $50 or more. Unlike some airline credits, these can be used to buy airfare as well—and you don’t have to choose an airline ahead of time. Qualifying purchases include airfare, upgrades, checked baggage, change fees and more. So, whether you’re booking a flight or paying for a fee related to a flight you’re taking, this annual airline credit has your back.

Travel Protections

The best-laid travel plans can easily go astray when your flight is canceled, your bag is lost or something happens to your rental car. Your trip is covered when you use the Wells Fargo Autograph Journey Visa to book your reservations. Trip cancellation and interruption protection covers you up to $15,000 for lodging, flights and activities when your trip is canceled or interrupted for a covered reason.

If your checked or carry-on luggage is lost or stolen during transit, you’re covered for up to $3,000 per trip. Additionally, your rental car is protected against damage or theft with secondary rental car insurance. The card also comes with up to $1,000,000 in travel accident insurance, travel and emergency services assistance, roadside dispatch and more.

Cell phone Insurance

When you pay your cell phone bill with the Autograph Journey Card, you’re covered for up to $1,000 in cell phone insurance (up to two claims per 12-month period). This coverage protects you against damage, theft or loss, and it requires a simple $25 deductible.

Visa Signature Luxury Hotel Collection

As a Visa Signature credit card, this Wells Fargo credit card includes access to the Visa Signature Luxury Hotel Collection. Book a stay at one of the participating hotels to receive benefits similar to those who have elite status. Benefits include the best available rate guarantee, complimentary room upgrade (when available), complimentary breakfast for two, VIP guest status, late checkout upon request (when available) and a $25 food and beverage credit. Select hotels offer additional perks like a free hotel night, resort credits and more.

Autograph Card Exclusives

Eligible Wells Fargo cardholders also have access to Autograph Card Exclusives. These live, intimate events feature a limited number of tickets available exclusively to cardholders to purchase. Events occur throughout the U.S., and available artists and experiences change during the year.

Who Is the Wells Fargo Autograph Journey Card Best For?

The Autograph Journey from Wells Fargo is best for travelers who want to maximize rewards on travel purchases. This card’s bonus categories center around travel and dining, and it doesn’t require cardholders to book through the bank’s travel portal to earn maximum rewards. This card allows you to book directly with airlines, hotels and other travel providers to earn credit card rewards and perks from the loyalty programs.

While the card has a $95 annual fee, it is offset by its yearly $50 credit toward airline purchases. Simply book flights of $50 or more to automatically receive the statement credit on your next bill. The card’s complimentary travel protections and cell phone insurance also provide peace of mind for frequent travelers and people whose cell phone is an indispensable part of their daily lives.

Travelers who want to earn flexible rewards points that can transfer to airline and hotel loyalty programs will also be excited about this new Wells Fargo credit card . The Autograph Journey launches with five airline partners and one hotel partner. While this total is smaller than competing brands, Wells Fargo is working to expand its list of transfer partners, and more brands will be added throughout the year.

Who Should Consider an Alternative to the Wells Fargo Autograph Journey Card?

While the Wells Fargo Autograph Journey has much to offer, it may not be the right card for every traveler. Wells Fargo intends to add more transfer partners over time, but some consumers may not want to wait that long or roll the dice that new partners will be among their preferred brands. Consumers who want access to a greater array of transfer partners should look at alternatives from Chase , Citi, Capital One or American Express , since each of those programs has 14 or more partners to choose from.

Having access to TSA PreCheck or Global Entry while traveling is a huge timesaver. The Autograph Journey credit card does not offer reimbursement for these Trusted Traveler application fees. Some travel credit cards at the same price point, like the Capital One Venture Rewards Credit Card or the United℠ Explorer Card (whose benefit also applies to the NEXUS program), include reimbursement once every four years.

How Does the Wells Fargo Autograph Journey Card Stack Up to Its Competitors?

Before applying for the Wells Fargo Autograph Journey Card, compare it to these popular travel credit cards to decide which one is best for your wallet.

Wells Fargo Autograph Journey vs Chase Sapphire Preferred® Card

The Chase Sapphire Preferred is a solid travel credit card that earns Ultimate Rewards points. With this card, you’ll earn 5X points on travel when booking through Chase Travel and 2X points on other travel purchases, such as when purchasing directly with the airline, hotel or other provider. The Autograph Journey doesn’t require you to book through its portal to earn its top rewards rates and earns 50% more points on all other travel purchases. The Sapphire Preferred also earns 3X points on dining, select streaming services and on online groceries (excluding Target, Walmart and wholesale clubs), while the Autograph Journey earns 3X points only on dining.

When you redeem Ultimate Rewards points, you’ll get 25% more value when booking travel through Chase Travel. This extra value means you’ll redeem fewer points than booking similar travel through Wells Fargo. There are also 14 Chase airline and hotel partners , which is nearly three times as many options, and it features well-known domestic brands like United, Southwest, Hyatt and Marriott.

Wells Fargo Autograph Journey vs. Capital One Venture Rewards Credit Card

With the Capital One Venture Rewards Card , you’ll earn an unlimited 2X miles on every purchase and 5X miles on hotels and car rentals booked through Capital One Travel. While it doesn’t offer the same earning power as the Autograph Journey, the Venture Card offers a solid rewards rate on every purchase, which is ideal for people who don’t want to remember which categories offer extra rewards. The card also includes up to $100 reimbursement for Global Entry or TSA PreCheck membership application fees and complimentary Hertz Five Star elite status, which the Autograph Journey cannot match.

Capital One miles can be redeemed for cash back, travel, gift cards and more. Cardholders can also get statement credits for purchases made in the previous 90 days. Further, Capital One offers more than 15 airline and hotel transfer partners, which is three times as many options as Wells Fargo. The card does not charge foreign transaction fees, and it includes auto rental collision damage waiver and extended warranty protection on eligible purchases made with your card.

Wells Fargo Autograph Journey vs. Wells Fargo Autograph℠ Card

For people who want to earn Wells Fargo credit card points but don’t want to pay an annual fee, the Wells Fargo Autograph Card is a solid choice. This card earns an unlimited 3X points on travel, gas, restaurants, transit, popular streaming services and phone plans. These bonus categories are an excellent way to maximize common spending categories, and many of these household categories aren’t available from the Autograph Journey Card.

Additionally, the no-annual-fee Autograph card includes an introductory APR offer on purchases, which the Autograph Journey doesn’t offer. If you need extra time to pay off your purchases without incurring interest charges, the Wells Fargo Autograph Card is the best option. This card includes many of the same protections as the $95 annual fee Autograph Journey, and its points also can be redeemed for cash back, gift cards and more or transferred to airline and hotel partners.

Frequently Asked Questions

What credit score do you need for a wells fargo autograph journey card.

For the best approval odds, you should have good to excellent credit when applying for the Autograph Journey Card. A good FICO credit score ranges from 670 to 739, while very good to exceptional FICO credit score start at 740 and above. If your credit score is below these levels, take steps to improve your score before applying.

How Much Are 60,000 Wells Fargo Points Worth?

At the most basic level, Wells Fargo points are worth 1 cent each toward travel, cash back, gift cards and more. This means that the 60,000 welcome bonus points from the Wells Fargo Autograph Journey Card are worth $600. With the introduction of transfer partners, you may receive even higher value when transferring points to book award flights or hotel rooms.

Does the Wells Fargo Autograph Journey Card Have Lounge Access?

No, the Autograph Journey does not include lounge access. To receive airport lounge access, typically, you’ll need to get a premium credit card for travel with an annual fee that likely ranges $395 or higher. Premium travel credit cards are best for frequent travelers who can justify paying such a high annual fee.

The post Wells Fargo Autograph Journey Credit Card Review 2024: Earn up to 5X Points on Travel Purchases first appeared on Newsweek Vault .

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Is Moscow Safe? Crime Rates & Safety Report

On Feb. 24, 2022, Russia invaded its neighbor country Ukraine, starting a war between these two countries.

This act of invasion caused many Ukrainians to flee their country and seek shelter in places like Poland, Hungary, Slovakia, etc…

At this time, we recommend no travel to Russia or Ukraine, or any neighboring countries for your own safety.

Russia : Safety by City

• Nizhny Novgorod
• Novosibirsk
• Saint Petersburg
• Yekaterinburg

Moscow, the capital of Russia, is a political, scientific, historical, architectural and business center of this huge country.

It’s one of the most visited places in Russia, and for good reason.

The best-known parts of Russia are concentrated precisely in the urban areas and cities like Moscow and Saint Petersburg.

Moscow’s history attracts the most tourists, as they are fascinated by it is a surreal and sometimes brutal but nevertheless thrilling and jaw-dropping national story.

In this city, visited by 17 million tourists annually, the history, told in its numerous museums, some of which are the world’s greatest, interacts with modernity.

For example, in the Garden of Fallen Monuments (Fallen Monument Park), you can see entire clusters of modern art contrasting with the very non-conceptual Communist monuments.

• Warnings & Dangers in Moscow

OVERALL RISK: MEDIUM

Generally speaking, Moscow today is safe as much as other cities in Europe, despite its problematic history with criminal activity in the 90s. However, if you’re planning on traveling to Moscow, keep in mind that you should always keep your guard up and remain aware of your surroundings, just in case.

TRANSPORT & TAXIS RISK: LOW

Generally speaking, transportation in Moscow is safe, but you should bear in mind that kidnappings have been known to happen, mostly in unlicensed taxis, so be careful when hailing one on the streets. Keep in mind that the most dangerous areas where small crime tends to occur are the underground walkways, called “perekhods”. Only use official services like Yandex Taxi, Uber or Gett taxi.

PICKPOCKETS RISK: HIGH

Pickpocketing is very common in Moscow, and surprisingly it is mostly performed by groups of children. Pay attention to your belongings, don’t leave them in plain sight and be especially careful in crowded places like stations or near tourist attractions.

NATURAL DISASTERS RISK: LOW

Moscow isn’t particularly susceptible to natural disasters. Some blizzards and snowstorms are possible during winter which can affect the traffic and delay your flights. During winter, be prepared to face the below-freezing temperatures.

MUGGING RISK: MEDIUM

The situation improved drastically when it comes to kidnappings and muggings. Generally, never accept free drinks or food when you’re in a club or a bar. Drink spiking and then attacking and robbing the victim have been reported on numerous occasions.

TERRORISM RISK: HIGH

After the recent terrorist attack in the subway in St. Petersburg the probability of this situation happening again in Moscow is very high.

SCAMS RISK: HIGH

There are many scams in Moscow, usually performed by children trying to distract you and then steal some money from you. Never talk to strange kids on the street. Also, you should avoid playing street gambling games.

WOMEN TRAVELERS RISK: LOW

Women are generally safe in Moscow, though you should avoid finding yourself alone in clubs or bars, and of course, apply all normal precaution measures like avoiding remote and poorly lit streets and areas.

• So... How Safe Is Moscow Really?

Moscow experienced a rise when it came to crime rates during the 1990s.

Violent crime, as well as petty crime and scams,  had increased, but the biggest part of the violence was within the criminal groups themselves, and it didn’t affect foreigners that much.

However, it decreased since the 90s, so right now, for tourists, Moscow isn’t more dangerous than any other European city, it’s even less so.

The crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.

Also, you can count on the officials to be uncorrupted – don’t ever try to bribe them: you will be charged with bribery.

Bear in mind that if you are a member of the LGBT community, there is no reason to avoid Moscow altogether but you should refrain from any public displays of affection.

As of June 2013, “homosexual propaganda to minors” is prohibited, which means that any discussion of gay rights or homosexuality issues in the presence of minors is punishable by law.

While you walk around Moscow, you might encounter police officials that may demand to see your papers to check if you have been registered within 7 business days of your arrival into Moscow.

You shouldn’t have any problems with this, because if you stay in a hotel then you are automatically registered and will be handed a confirmation paper.

• How Does Moscow Compare?
• Useful Information

Most countries do need a visa to enter Russia, and if you’re a U.S. citizen you must possess both a valid U.S. passport and a bona fide visa issued by a Russian Embassy or Consulate. None of the nationals that do need a visa can acquire one upon arrival, so make sure you apply for your visa in advance. If you are not sure about your visa status, visit www.doyouneedvisa.com which will let you know whether or not you need visa based on your nationality and the country you want to visit.

The Russian ruble is the official currency in Moscow. ATMs are widespread throughout the country and credit cards are accepted everywhere.

Moscow has a highly continental influenced climate characterized by warm to hot and dry summers and extremely cold, freezing winters with temperatures as low as -30°C – sometimes even lower, with heavy snowfall.

Sheremetyevo International Airport is the Russian busiest international airport. It is located in Molzhaninovsky District, Northern Administrative Okrug, in Moscow, about 29 km northwest of central Moscow.

Travel Insurance

Just like anywhere else, we advise getting travel insurance when traveling to Moscow, because it would cover not only medical problems but also theft and loss of valuables.

Moscow Weather Averages (Temperatures)

• Average High/Low Temperature

Russia - Safety by City

• Where to Next?

9 Reviews on Moscow

That's just not true.

The person who wrote the text obviously have never been in Moscow and in Russia at all. This is ridiculous. Even about pickpocketing, the risk at most is medium, mugging is zero in historical places but is pretty high in sleeping quarters

Your rating is only two stars for safety though? So I am confused. Are you rating the article to be in poor taste?

I went to Moscow in 2021. I enjoyed the trip. I felt there were “unsafe areas” so I avoided them. So long as you know where you are going and don’t insult the locals, you should be fine.

51% safe?! Is this out of date?

Moscow and Russia in general are MUCH SAFER than Paris or London, yet those latter are more than 15 points ahead?!

Hell, it’s even admitted in the above text: “Moscow isn’t more dangerous than any other European city, IT’S EVEN LESS SO.” Yeah, you bet! And then: “the crime rate in Moscow is fairly lower than one in New York, London or Paris, so you should feel safe here.” So why the low rating? I don’t get it.

Also, the latest terrorist attack in Moscow happened in 2010… so how can you honestly say that the risk is still “high”? Especially for the fact Russia is very much on the edge when it comes to fighting terrorism domestically and over the world.

Sure, it might not be ideal everywhere in Moscow, but it’s WAY SAFER than in Paris, especially at night. You just can’t go out in Paris after the evening anymore, in most areas (I got assaulted for no reason at Châtelet-les-Halles and taking the RER train at dark is becoming more and more risky)… while in Moscow, chances are that you’ll see girls in miniskirts walking home while quietly singing. Or maybe you’ll stumble upon some gorgeous lady asking you for a lighter and then giving you her number for a coffee the next day. So very dangerous!

I sense a serious bias, here. Is it because of that LGBT thing? Could you pick a more extreme case? Yeah, you can totally be gay in Russia, just be so in private. There even are transsexuals, but this is a traditional and respectable country, so you should respect their choice of not publicizing various sexual lifestyles.

Moscow and Saint Petersburg are safe

Moscow and Saint Petersburg are very safe in my opinion! I’ve been to both cities visiting family! There are so many people out on the streets and on public transportation- I felt very safe! You need to change your ratings!!

Any update on Covid-19 to visit Moscow

I visited 118 country and Moscow one of the safest city I have been, st Petersburg as well, I read this article hoping to find any update on covid-19 restrictions upon arrival, so if anyone can update I’m planning to visit Moscow again but I need to know if quarentain is required or mandatory, anyone can share, cheers.

In Russia nobody cares, masks off. I dont know if fiew thousands of infected per day are high for you though. I was never arrested for not wearing mask, but you have to have it on you. Sometimes cops ask to put mask, you just do that and everything ok, some shops can refuse to do service if you dont have mask. I assume they pressured by boss, so just put on mask, they can give you gloves and dont cause any problems.

Written by someone who never visited Russia

A veer biased review. Moscow or St. Petersburg for being such brilliant truly cosmopolitan cities are extremely safe. Pickpocketing in Russia?! By children?! Who wrote this? Clearly by someone who has never been to the great country of Russia.

Have never been there. But wish me well

Bias review, Moscow is much safer than that!

This review is so bias and just wrong! First of all apart from being a political, scientific and etc center, it is an absolutely beautiful city and a very culturally rich city. For tourists there’s a huge range of delicious food, amazing shopping, a lot of cultural activities, and all sorts of entertainment. I’ve travelled there in December 2019, and most of the time I spent walking around and exploring by myself, be it during day time or night, nothing happened to me once. I mostly used subways and sometimes taxi, both safe. Just have a common sense when it comes to safety and you’ll be fine. You need to travel there at least once in a lifetime, it’s a completely different experience and it’s a beautiful one, NOT a communistic terrorist epicenter as some describe it to be.

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Article Contents

• Moscow : Safety by City
• Overall Risk
• Transport & Taxis Risk
• Pickpockets Risk
• Natural Disasters Risk
• Mugging Risk
• Terrorism Risk
• Women Travelers Risk
• Weather Averages (Temperatures)
• User Reviews
• Share Your Experience

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Moscow   Travel Guide

Why Go To Moscow

Moscow's opulence and high culture is a sight to be seen. Forget what you learned about Russia in grade school. This lavish capital of a formerly communist nation has fully embraced the luxuries, excesses and decadence of Western capitalism. Like many former Soviet countries, Mother Russia struggles to successfully confront issues of widespread poverty, alcoholism, failing healthcare, and environmental protection. But Moscow has burgeoned into one of the most expensive, exclusive and largest travel destinations in the world. It comes complete with world-class museums, magnificent palaces, $1,000-a-night hotels, "face-control" nightclubs and internationally-renowned restaurants. Don't think you can afford Moscow? Don't be afraid. You can still find affordable deals if you are vigilant. This metropolis has a big and bold character and grandiose setting that's definitely worth getting to know.

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Best of Moscow

Best hotels in moscow.

• # 1 in Hotel Metropol Moscow
• # 2 in Radisson Collection Hotel, Moscow
• # 3 in Hotel Baltschug Kempinski Moscow

Best Things to Do in Moscow

• # 1 in Red Square
• # 2 in Tretyakov Gallery
• # 3 in St. Basil's Cathedral

Moscow Travel Tips

Best months to visit.

The best time to visit Moscow is April and May, when the temperature creeps into the 50s and 60s, the sun begins to shine for significant portions of the day, and hotel rates have yet to skyrocket into peak ranges. Of course, the golden period is summer, when the city is warm and bustling. But if you want to (slightly) spare yourself from the perpetually expensive rates, try the shoulder seasons in the spring and early fall. Preferably spring, since fall experiences more rainfall and less sunlight. Winters are brutally cold, but this is when you'll get a true glimpse into the Moscow experience (A frost-bitten walk through Red Square seems to intensify the historical significance of this great capital city).

Weather in Moscow

Data sourced from the National Climatic Data Center

What You Need to Know

A little Russian English is spoken only in major hotels and restaurants, and you'll find mostly Russian speakers in the less tourist-heavy areas. American visitors also struggle with the Cyrillic spellings and pronunciations. Practice some key Russian phrases on the long flight over.

A little tipping Unlike most other European cities, tipping (five to 10 percent) in restaurants is the custom.

A lot of vodka This Russian drink of choice (yes, they usually consume it straight) is found at any bar. But if you wish to taste it and learn about its origins, the Moscow Distillery Cristall is your best bet.

How to Save Money in Moscow

If it seems too good to be true It probably is. Take that proverb to heart in Moscow, and don't expect the Czarist medal you purchased off a street vendor to be worth anything more than a good memory.

If you're oblivious on the subway You'll probably leave several rubles lighter. Pickpockets prey on unsuspecting foreigners in crowded places, particularly metro cars. Beware!

If you're not scared of the dark You may be able to handle Moscow's long nights in fall, winter and spring, when hotels offer the lowest rates. December sees an average of 18 hours of sunlight … in total.

Culture & Customs

English is spoken in major hotels and restaurants, but you'll find mostly Russian speakers in the less tourist-heavy areas, such as at the market or in small inns. Some helpful Russian greetings include the informal hello (pronounced, pri-VET ); the formal hello ( Zdravst-vwee-tye ); the informal goodbye ( pah-KAH ); and the formal goodbye ( Dah svih-DA-nee-ye ). To thank someone, say " Spas-EE-ba ."

What to Eat

Traditional Russian fare focuses on hearty meat dishes and cold soup, a particularly Russian specialty. But don't arrive in Moscow thinking you'll experience only the old cuisine. Russia's new personality has been accompanied by a lavish taste for international cuisine, especially Asian food. Sushi and Asian fusion restaurants are among the most popular in the city, and other dining options include American and Italian cuisine. Eating out, like everything in Moscow, can be very expensive, but you can find cheaper restaurants in shopping centers and areas outside the city center. 

Stay alert for pickpockets when using public transport and when visiting the main tourist sites. Many an unsuspecting traveler has been relieved of some rubles on the Moscow Metro and near Red Square. Also, make sure to exercise extra caution when leaving bars and clubs at night.

There have been cases of corrupt police asking for random fines -- if this occurs, get the officer's number and name and ask to go to the police station with him or her.

Getting Around Moscow

The best way to get around Moscow is the metro. Faster and more efficient than the trolley buses and trams, this extensive system has stations that contain beautiful ornamentation, sculptures and mosaics. You could rent a car, but it's best to use public transportation to avoid the city's perpetually congested roads. Plus, street signs are all in Russian. In fact, English signs are nonexistent in the public transit system as well, so it's best to quickly get familiar with a map. Most travelers arrive through Moscow's Sheremetyevo International Airport (SVO), but there are several other airports that serve the metro area. Several buses and a metro line shuttle airport travelers to and from downtown.

Entry & Exit Requirements

Acquiring a visa to travel in Russia is a bit more complicated and expensive than visiting other countries. Every foreign traveler entering Russia must have a Russian-based sponsor (like a hotel, tour company, university or relative). In addition to a valid U.S. passport, you must also obtain a travel visa from a Russian embassy or consulate prior to arriving in Russia. If you plan to stay in Russia for more than seven days, you have to register your visa and migration card (the white paper document given by the border police on first entry to Russia) with the Federal Migration Service. Visas can cost anywhere from $160 to $250 per person, depending on the length of your stay. For more information on entry and exit requirements, visit the U.S. State Department website .

Red Square is one of the most famous squares in the world.

Explore More of Moscow

Things To Do

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Is It Safe in Moscow?

Stanislav Solntsev / Getty Images

When you visit Moscow , Russia, you’re seeing one of the world’s largest, and most expensive, capital cities . While there is a history of violent crime against foreign journalists and aid personnel in Russia, a trip to Moscow is usually safe for mainstream travelers. Most tourists in Moscow only face potential issues with petty crime, though terrorism is also a concern. Visitors should stick to the principal tourist areas and abide by the local security advice.

Travel Advisories

• The U.S. Department of State urges travelers to avoid travel to Russia because of COVID-19 and to "exercise increased caution due to terrorism, harassment, and the arbitrary enforcement of local laws."  
• Anyone exploring more of Russia should avoid "The North Caucasus, including Chechnya and Mount Elbrus, due to terrorism, kidnapping,   and   risk of civil unrest." Also, travelers should stay away from "Crimea due to Russia’s occupation of the Ukrainian territory   and   abuses by its occupying authorities."  
• Canada states travelers should use a high degree of caution in Russia due to the threat of terrorism and crime.  

Is Moscow Dangerous?

The Moscow city center is typically safe. In general, the closer you are to the Kremlin , the better. Travelers mainly need to be aware of their surroundings and look out for petty crime. Be especially careful in tourist areas such as Arbat Street and crowded places like the Moscow Metro transit system. The suburbs are also generally fine, though it is advised to stay away from Maryino and Perovo districts.

Terrorism has occurred in the Moscow area, leading authorities to increase security measures. Be more careful at tourist and transportation hubs, places of worship, government buildings, schools, airports, crowds, open markets, and additional tourist sites.

Pickpockets and purse snatching happen often in Russia, perpetrated by groups of children and teenagers who distract tourists to get their wallets and credit cards. Beware of people asking you for help, who then trick you into their scheme. Don’t expect a backpack to be a safe bag bet; instead, invest in something that you can clutch close to your body or purchase a money belt . Always diversify, storing some money in a separate location so that if you are pickpocketed, you'll have cash elsewhere. Keep an eye out for thieves in public transportation, underground walkways, tourist spots, restaurants, hotel rooms and homes, restaurants, and markets.

Is Moscow Safe for Solo Travelers?

Large cities like Moscow in Russia are overall fairly safe if you are traveling alone, and the Moscow Metro public transit is a secure and easy way to get around. But it is still a good idea to follow basic precautions as in any destination. Avoid exploring alone at night, especially in bad areas. You may want to learn some basic Russian phrases or bring a dictionary, as many locals don't speak English. However, in case you need any help, there are tourist police that speak English. Also, exploring with other trusted travelers and locals or on professional tours is often a good way to feel safe.

Is Moscow Safe for Female Travelers?

Catcalling and street harassment are infrequent in Moscow and the rest of Russia and females traveling alone don't usually have problems. There are plenty of police officers on the streets as well. Still, it serves to stick to Moscow's well-lit, public areas, avoid solo night walks, and use your instincts. Women frequenting bars may take receive some friendly attention. Females can wear whatever they want, but those entering Orthodox churches will be required to cover up. Though women in Russia are independent, domestic violence and other inequality issues take place regularly.

Safety Tips for LGBTQ+ Travelers

Russia is not known as a gay-friendly country. However, Moscow is one of the more welcoming cities with a blooming LGBTQ+ community and many friendly restaurants, bars, clubs, and other venues. Hate crimes in Russia have increased since the 2013 anti-gay propaganda law. Openly LGBTQ+ tourists in this conservative country may experience homophobic remarks, discrimination, or even violence, especially if traveling with a partner. Also, while women hold hands or hug publicly—whether romantically involved or not—men should avoid public displays of affection to prevent being insulted or other issues.

Safety Tips for BIPOC Travelers

Moscow  and other big cities in Russia have sizable populations of various cultures, so discrimination against BIPOC travelers is rarer than in other parts of the country where it can become dangerous. Some people living in Russia who are Black, Asian, Jewish, and from other backgrounds have experienced racial discrimination and violence. Tourists won't usually experience overt racism but may be the recipients of some stares. If anyone should bother you, be polite and resist being taunted into physically defending yourself.

Safety Tips for Travelers

Travelers should consider the following general tips when visiting:

• It's best not to drink the tap water. If you do, boil it before drinking, though showering is safe and the amount used to brush teeth is generally not harmful. Mineral water is widely drunk, especially at restaurants, and if you prefer not to have it carbonated ask for “ voda byez gaz” (water without gas).
• If you need emergency assistance in case of fire, terrorism, medical issues, or more, dial 112 in Russia for bilingual operators.
• Be judicious about taking photographs, especially of police or officials. This can potentially bring unwanted attention to yourself by members of law enforcement who won’t mind asking to see your passport. Also avoid snapping photos of official-looking buildings, such as embassies and government headquarters.
• Carry your passport in as secure a manner as possible. If you get stopped for any reason by the police, they can fine or arrest you if you don't have the document with you. Also, keep photocopies of your passport, the page on which your travel visa appears, and any other documents that relate to your stay in Russia.
• Use official taxis only and steer clear of illegal taxi companies, especially at night. Ask your hotel to call a reputable taxi company.

U.S. Department of State. " Russia Travel Advisory ." August 6, 2020.

Government of Canada. " Official Global Travel Advisories ." November 19, 2020.

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