visa travel insurance card

• Compare the Best Credit Cards With Travel Insurance
• Best for Trip Delay Insurance
• Best for Rental Car Insurance
• Best for Trip Cancellation and Interruption
• Best for Lost Luggage Reimbursement
• Best for Travel Accident Insurance
• Best for Emergency Evacuation Coverage
• Why You Should Trust Us

The Best Credit Cards With Travel Insurance in 2024

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

The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Altitude® Reserve Visa Infinite® Card, Marriott Bonvoy Bold® Credit Card. The details for these products have not been reviewed or provided by the issuer.

A credit card's travel insurance feature may not sound as exciting as a 100,000-point sign-up bonus or a high earning rate on everyday spending — but when you find yourself in a bind, it can be significantly more valuable.

Here's everything you need to know about credit card travel insurance, along with the best credit cards offering the most comprehensive coverage.

Compare Credit Cards With Travel Insurance

Best credit cards for trip delay insurance.

Earn 5x 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 & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

Earn 60,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
• con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

• 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
• Member FDIC

Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.

19.99% - 29.99% variable

Earn 75,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections
• con icon Two crossed lines that form an 'X'. High annual fee
• con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

Earn 1-5x points on purchases

21.24% - 28.24% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Substantial welcome bonus and great earning opportunities, especially with mobile wallets
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. $325 annual travel and dining credit can offset most of the $400 annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Top-notch travel insurance and protections
• con icon Two crossed lines that form an 'X'. You must have an existing relationship with US Bank to be approved
• con icon Two crossed lines that form an 'X'. Limited to a 12-month complimentary Priority Pass membership with only four free visits for cardholder (plus a guest) included
• con icon Two crossed lines that form an 'X'. No airline or hotel transfer partners

The U.S. Bank Altitude® Reserve Visa Infinite® Card is a premium credit card with benefits that have no trouble offsetting the annual fee. One of its most unique (and valuable) qualities is its ability to earn 3x points on all purchases made through a mobile wallet, so if you use payment methods like Apple Pay or Samsung Pay, you'll have no problem accruing points in a hurry.

• The information related to the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected by Business Insider and has not been reviewed by the issuer.
• Earn 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening
• Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards
• Earn 3X points for every $1 on eligible travel purchases and mobile wallet
• Earn 1X point per $1 spent on all other eligible net purchases
• Use your mobile device to instantly redeem points for almost any purchase

Best Credit Cards for Rental Car Insurance

Limited time offer: Earn 10X Membership Rewards® Points at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

See Pay Over Time APR

Earn 80,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
• con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
• con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Best Credit Cards for Trip Cancellation/Interruption Insurance

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

21.49% - 28.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• 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.

Best Credit Cards for Lost Luggage Reimbursement

Best credit cards for travel accident insurance.

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.

Earn 30,000 bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cardholders get 15 elite night credits toward status
• con icon Two crossed lines that form an 'X'. Only offers strong rewards for Marriott purchases

The Marriott Bonvoy Bold® Credit Card comes with an increased limited-time welcome bonus and good perks for a no-annual-fee card, but unless paying an annual fee is a dealbreaker for you, other Marriott cards — like the Marriott Bonvoy Boundless® Credit Card , Marriott Bonvoy Brilliant® American Express® Card, or Marriott Bonvoy Business® American Express® Card — are a better deal.

Best Credit Cards for Emergency Evacuation Coverage

Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.

21.99% - 28.99% Variable

Earn 80,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great intro bonus offer
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. If you want United Club membership, this card gets you it for less than buying it outright
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Get two free checked bags on United
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 4x miles on United® purchases
• con icon Two crossed lines that form an 'X'. Steep annual fee, especially for an airline credit card
• con icon Two crossed lines that form an 'X'. The non-United bonus categories (travel and dining) only earn 2x miles

While a few of the best travel credit cards are great for United flyers, the United Club℠ Infinite Card is the most high-end of the bunch. Not only does it offer a full United Club airport lounge membership, but it can also help you rack up the miles for free trips quickly through everyday spending.

• 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 With Trip Delay Insurance

Trip delay insurance covers you (and often family members traveling with you) for expenses like meals, transportation, lodging, medication, and toiletries. For example, if your flight is delayed by more than six hours, your card may reimburse you up to $500 in "reasonable expenses" such as:

• An Uber or taxi from the airport to a hotel
• A one-night hotel reservation
• Dinner at a nearby restaurant

I've used this benefit a handful of times, and it's saved me hundreds. Just note that you must use your qualifying card to pay for your fare — even if that means simply paying taxes and fees on an award flight.

Trip delay insurance applies to more than just flights. You're eligible for coverage whenever you book a "common carrier" — defined as "any land, water, or air conveyance that operates under a valid license to transport passengers for hire and requires purchasing a ticket before travel begins." As long as it's not a taxi, limo, commuter rail, bus, or rental car, you're likely covered.

Below are the top three credit cards for trip delay insurance. Even if you don't travel regularly, you should be using one of these cards to reserve your travel, because trip delay insurance will come in handy sooner or later.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® is the gold standard of trip delay insurance. After just six hours of delay — or any delay that requires an overnight stay — you're eligible for up to $500 in covered expenses per ticket. You and those traveling with you (a spouse and dependent children under 22) are covered.

The Chase Sapphire Reserve charges a $550 annual fee, but it also comes with valuable travel benefits such as:

• Up to $300 in annual travel credits (offsets the first $300 in travel you purchase each year with the card)
• Airport lounge access (Priority Pass Select, Chase Sapphire lounges , and the Chase Sapphire Terrace at Austin airport )
• Up to $100 NEXUS, Global Entry, or TSA PreCheck application fee credit
• Complimentary two-year Lyft Pink All Access membership

You'll also earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth $1,080 in travel, based on Personal Finance Insider's valuation of Chase Ultimate Rewards® points at 1.8 cents each.

Chase Sapphire Reserve Credit Card Review

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is Capital One's first premium travel credit card . It's a Visa Infinite card (similar to the Chase Sapphire Reserve®), and benefits from extremely generous trip delay insurance***. You'll get up to $500 per ticket in covered expenses after a delay of six hours or more. Those eligible for this insurance are your spouse and dependent children under age 22.

The card has a welcome bonus offer of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. That's worth $1,275 in travel, based on our valuation of Capital One miles. In addition, it also comes with travel perks like:

• $300 per year in credits toward Capital One Travel bookings
• Priority Pass, Plaza Premium, and Capital One airport lounge access
• 10,000-mile bonus each account anniversary
• Access to the Capital One Premier Collection luxury hotel booking program
• Global Entry or TSA PreCheck application fee credit

Capital One Venture X Rewards Credit Card Review

U.S. Bank Altitude® Reserve Visa Infinite® Card

The U.S. Bank Altitude® Reserve Visa Infinite® Card is another one of the few Visa Infinite cards on the market. As you'd expect, it's got excellent trip delay insurance. You'll receive up to $500 per ticket in coverage for expenses like meals and lodging (that aren't reimbursed by the airline or other "common carrier") when your trip is delayed more than six hours or requires an overnight stay.

The U.S. Bank Altitude® Reserve Visa Infinite® Card comes with 50,000 points after you spend $4,500 on purchases in the first 90 days of account opening. These points are worth 1.5 cents each when you use them toward travel. That means this bonus is worth $750. You'll also get benefits like:

• Up to $325 in annual travel credits
• Up to $100 in statement credits toward Global Entry and TSA PreCheck
• Up to 30% discount on Audi on Demand (formerly Silvercar) rentals

U.S. Bank Altitude Reserve Review

You might already know that most travel credit cards offer some form of rental car insurance. It's a great benefit because it can save users significant money in the case of damage or theft to your rental. Even by renting a car for just a few days, you could save $50+ by waiving the rental agency's in-house insurance CDW and instead covering your rental by paying with this card.

Two kinds of rental car insurance come with many popular cards:

• Secondary insurance — Offers coverage benefits that are secondary to your personal auto insurance policy. In the event of damage due to theft or collision, car renters still have to file a claim through their personal auto insurance policy, and the secondary insurance is there to cover a portion of leftover costs. So, although this is a nice perk, it doesn't ease the sting of having to report to your personal insurance — often with resultant premium hikes.
• Primary insurance — Coverage for loss or damage will be taken care of by the credit card company without you having to make a claim with your personal policy. In the long run, this could save a car renter significantly on both CDW and LDW, and it could help avoid raising premiums on their personal auto policy.

Primary rental car insurance is what you want. You must pay for the entire transaction with the credit card you'd be filing the insurance under. Some cards even require that renters book the entire trip on the card, so read the fine print carefully.

Primary insurance also generally doesn't include liability, damage to other cars, damage to personal property, personal bodily injury, or injury to others. See Personal Finance Insider's guide to liability car insurance for more details on this type of coverage.

Below are the top three credit cards for car rental insurance.

The Chase Sapphire Reserve® comes with up to $75,000 for theft and collision for rental cars in the U.S. and abroad.

You'll be extra motivated to make this card your dedicated car rental payment method because it earns 10 points per dollar for this expense when reserving through the Chase Travel Portal℠ . Personal Finance Insider estimates Chase points value to be 1.8 cents each when used for travel — so earning 10x points equates to an 18% return.

When booking outside the portal, you'll earn 3 points per dollar for travel including rental cars.

The Capital One Venture X Rewards Credit Card is another rewards-earning monster when it comes to car rentals. Not only will you receive primary rental car insurance***, but you'll earn 10 miles per dollar on rental cars booked through the Capital One Travel Portal . You'll earn 2 miles per dollar for travel booked outside the portal.

The Platinum Card® from American Express

The Platinum Card® from American Express doesn't offer primary rental car insurance by default. However, you can receive primary premium car rental protection for a flat rate between $15.95 and $24.95 per rental period (not per day). It's not free like the other insurances on this list, but premium rental car benefits may fit your situation better:

• You'll be covered for up to 42 consecutive days, whereas most other cards won't allow your rental to exceed 31 consecutive days.
• You're insured for up to $100,000 of primary coverage against damage or theft — a higher number than several other cards.

You can enroll your Amex Platinum and automatically be covered whenever you rent a car. You'll be charged this flat rate whenever you pay for a rental with your card.

This card has a $695 annual fee — but it also offers 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership. That's worth $1,440 in travel per our valuation of Amex points. You'll also find travel perks such as:

• Up to $200 in airline fee credits each calendar year**
• Up to $100 in Saks Fifth Avenue credits each calendar year**
• Global Entry or TSA PreCheck application fee credit ($100 statement credit every 4 years for a Global Entry application fee or up to $78 statement credit every 4.5 years for TSA PreCheck®)
• $189 per year in credits for CLEAR® Plus membership**
• Up to $200 in annual credits toward prepaid hotel bookings through Amex Fine Hotels and Resorts or The Hotel Collection (minimum two-night stay)

American Express Platinum Card Review

Trip cancellation/interruption insurance protects you if you're no longer able to go on a covered trip or your covered trip is interrupted mid-travel for reasons such as:

• Your airline declared bankruptcy and cancels your flight
• One of your immediate family members dies
• There's a terrorist incident

This coverage will reimburse you for prepaid nonrefundable travel such as airfare, hotel stays, activities, etc. which you can't use (or finish). Additionally, you may be reimbursed for an unexpected flight back home.

The Chase Sapphire Reserve® will reimburse you for up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses like plane tickets, hotel reservations, cruises, etc. Chase states that if your name is embossed on the card, you and your immediate family are all covered under this benefit. That means authorized users can utilize this benefit, as well as the primary cardholder.

The Capital One Venture X Rewards Credit Card can reimburse you, your spouse, and your children up to $2,000 each for prepaid, non-refundable travel expenses like plane tickets, hotel bookings, etc. This is a significantly smaller per-person payout than the Chase Sapphire Reserve® — but there doesn't appear to be a hard cap on how much you can earn.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card offers a trip cancellation/interruption reimbursement of up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses like plane tickets, hotel reservations, and hotels. That's part of what makes both Chase Sapphire cards excellent options for travel insurance.

The Chase Sapphire Preferred® Card is the single best beginner points credit card. Its annual fee is reasonable at $95 per year, and it manages to offer many similar travel protections as much more expensive credit cards.

In terms of return rates, this card earns:

• 5 points per dollar on Lyft rides through March 2025
• 5 points per dollar on all travel purchased through Chase Ultimate Rewards
• 3 points per dollar on dining, including eligible delivery services, takeout, and dining out 
• 3 points per dollar on select streaming services
• 3 points per dollar on online grocery purchases  (excluding Target, Walmart, and wholesale clubs)
• 2 points per dollar on other travel 
• 1 point per dollar on everything else

You'll also receive perks like up to $50 in annual statement credits toward hotel stays booked through Chase and a 10% anniversary point bonus (based on the dollar amount you spend).

The Chase Sapphire Preferred® Card is currently offering a welcome bonus of  60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth an average of $1,080 in travel, based on Personal Finance Insider's points and miles valuations.

Chase Sapphire Preferred Card Review

If your carry-on or checked baggage goes missing — or if the airline, cruise ship, or other common carrier damages your belongings, this coverage could reimburse you up to a specified amount. Card issuers tend to price your belongings as the lesser of the following:

• The original purchase price of your items
• The actual cash value of your items when they were lost
• The cost to replace those items

You must pay for your trip with an eligible card to be covered. Below are the three best credit cards for lost luggage reimbursement.

This card will give you up to $3,000 per person if you or an immediate family member check or carry on luggage that is damaged or lost.

If you or an immediate family member's check or carry-on luggage is damaged or lost, the Capital One Venture X Rewards Credit Card will cover you for the difference between the "value of the amount claimed" and the common carrier's compensation, up to $3,000 per covered trip.

The U.S. Bank Altitude® Reserve Visa Infinite® Card provides up to $3,000 per person if you or an immediate family member check or carry on luggage that is damaged or lost — again, calculated by the difference between the "value of the amount claimed" and the common carrier's payment.

Ideally, you'll never find occasion to use any  credit card travel insurance. But this is the one to really hope will never come in handy.

Travel accident insurance covers you for things like dismemberment and death during your trip (most commonly, while you're riding as a passenger in, or entering/exiting, a licensed common carrier like an airplane or a cruise ship). Some of the best cards will pay up to $1 million. The payout you'll receive depends on the severity of the accident.

Generally, you'll get 100% of the benefit amount for things like:

• Loss of life
• Loss of speech and hearing
• Loss of speech/hearing and loss of a hand, foot, or sight from one eye
• Loss of sight in both eyes
• Loss of a combination of any two of a loss of hand, foot, or sight of one eye

You'll get 50% of the benefit amount for things like:

• Loss of one hand
• Loss of one foot
• Loss of sight in one eye
• Loss of speech
• Loss of hearing

You may also get 25% of the benefit amount for the loss of a thumb and index finger of the same hand. Credit card benefits vary by product and issuer, so be sure to read all the fine print.

Below are the top three credit cards for travel accident insurance. Remember, you must pay the entire cash portion of your travel with these cards to be covered.

The Chase Sapphire Reserve® is one of the few cards that will give you up to $1 million of accidental death or dismemberment coverage under this benefit. That's double the coverage of most other cards. You'll get:

• $1 million for common carrier travel accident insurance
• $100,000 for 24-hour travel accident insurance

If your name is embossed on the card you've used to pay for your travel, you and your immediate family are covered.

The Capital One Venture X Rewards Credit Card is another (rare) card that will cover you for up to $1 million of accidental death or dismemberment insurance.

It does not appear that immediate family traveling with you will receive this benefit — so while the potential payout is the best in the game, you may want to opt for a smaller benefit amount with more widespread coverage.

Marriott Bonvoy Bold® Credit Card

The Marriott Bonvoy Bold® Credit Card incurs no annual fee, yet offers travel accident insurance with some of the best cards on the market. You'll get up to $500,000 in coverage:

• $500,000 for common carrier travel accident insurance

With this card, you'll earn: 

• 3x points* at participating Marriott Bonvoy hotels
• 2x points on other eligible travel purchases
• 1 point per dollar on all other eligible purchases

Other than that, the card doesn't offer an immense value proposition — its best benefit is the 15 Marriott elite night credits each calendar year, which can help you to achieve Marriott elite status much more quickly. But if you're looking for a no-annual-fee travel credit card with insurance, it's definitely worth a look.

Marriott Bonvoy Bold Credit Card Review

If you're injured or otherwise incapacitated and need to be evacuated, this coverage would reimburse expenses such as:

• Any land, water, or air transportation you require
• Medical services
• Medical supplies that are necessary related to your emergency evacuation

The benefit often requires that you be at least 100 miles from home. Additionally, if you're hospitalized for a certain period of time (usually more than eight days), the benefit can reimburse a round-trip coach ticket for a friend or relative to come to see you. As ever, benefits vary from card to card.

Below are the three best credit cards for emergency evacuation and transportation coverage.

The Platinum Card® from American Express covers you, your spouse/domestic partner, and legally dependent children for emergency evacuation and related emergency medical services, no matter how much it costs. Your trip must not exceed 90 days.

If a child under 16 is unaccompanied as a result of the emergency, this benefit will pay for a coach flight to get them home — and even pay for them to be escorted if necessary.

This card will cover up to $100,000 for you, your spouse/domestic partner, and/or legally dependent children for emergency evacuation and related emergency medical services. If your name is embossed on the front of the card, you can take full advantage of this perk.

Also, if you die during your trip, you are covered for $1,000 for your remains to be repatriated to your home country.

United Club℠ Infinite Card

The United Club℠ Infinite Card will cover up to $100,000 for you, your spouse/domestic partner, and/or legally dependent children for emergency evacuation and related emergency medical services.

The United Club℠ Infinite Card comes with an annual fee of $525, but that's easily offset by its ongoing benefits, such as:

• Full-fledged United Club membership (worth $650 per year)
• Free first and second checked bags on United flights (when you pay any cash portion of your ticket with this card)
• Priority boarding on United flights
• Premier Access travel services
• Global Entry, TSA PreCheck, or NEXUS application fee credit
• Complimentary Premier upgrades
• Expanded access to United award flights

This card also earns:

• 4 miles per dollar on eligible United purchases
• 2 miles per dollar on travel
• 2 miles per dollar on dining
• 1 mile per dollar on everything else

United Club Infinite Card Review

Different Types of Credit Card Travel Insurance Coverage

Before we jump into the best credit cards with travel insurance, let's examine some important definitions. Several types of protections fall under the umbrella of travel insurance:

• Trip delay insurance — If your covered trip is delayed by a specified number of hours due to a covered reason,  this will cover expenses like meals and lodging (up to a specified maximum).
• Baggage delay insurance —  This coverage provides reimbursement for essentials like clothes and toiletries if your luggage is delayed on a covered trip. 
• Trip cancellation/interruption insurance — This protects you if you're no longer able to go on a covered trip or your covered trip is interrupted mid-travel for reasons such as illness, injury, weather, or a terrorist incident. This is the type of coverage you'd invoke if you needed to adjust your travel plans due to the ongoing coronavirus pandemic.
• Lost luggage insurance — If your carry-on or checked baggage goes missing, this coverage could reimburse you up to a specified amount.
• Rental car insurance — Many credit cards offer either primary or secondary car rental insurance, so you can waive the coverage offered for an additional fee when you rent a car. With primary car rental insurance, in the event of damage due to theft or collision, your credit card coverage will kick in before your personal insurance. With secondary insurance, the coverage kicks in after whatever other insurance is in place. Note that liability coverage isn't included in any credit card auto collision damage waiver.
• Travel accident insurance  — This is the kind of insurance you'll hopefully never have to use.
• Emergency evacuation insurance — If you're injured or otherwise incapacitated and need to be evacuated, this coverage would reimburse expenses such as a helicopter evacuation.

For these coverages to kick in, you'll have to pay for your travel with a card that offers trip insurance. In other words, if you book your flight and hotels with a debit card, you won't be eligible for coverage from your credit card.

On that same note, however, redeeming airline miles or bank points for your travel should not disqualify you from coverage — as long as you pay the taxes and fees with your eligible credit card.

Credit Card Travel Insurance Frequently Asked Questions

The Chase Sapphire Reserve® has the most comprehensive travel insurance, covering everything from trip cancellations and interruptions to delayed baggage.

Depending on the card, credit card travel insurance may cover non-refundable flights, delays, cancellations, missed connections, lost luggage, an illness that cuts your travel short, and various other misfortunes.

Most travel rewards credit cards offer some degree of travel insurance. For example, many American Express cards offer trip cancellation and interruption coverage. But the specifics can vary wildly from card to card. The big exception is Citi, which eliminated most elements of its travel coverage from cards several years ago. Don't reserve travel with a Citi card if you want any sort of insurance.

If you have one of the credit cards featured in this guide, you may not need an additional travel insurance policy. However, make sure you read the fine print of your credit card's benefits guides to make sure the travel coverage is sufficient for your needs — and so you don't have any unpleasant surprises like finding out you aren't eligible for coverage when it's too late. On the other hand, if you want some extra peace of mind, or if there's a good chance you may cancel your non-refundable trip, it's worth looking into supplementary travel insurance. 

As a general rule, credit card travel insurance applies to the cardholder and the cardholder's immediate family. Refer to your credit card's benefits guide for card-specific rules.

Each credit card travel insurance policy is different, so it's important to look at your specific card's benefits guide to make sure you know exactly what is and what is not covered. And when in doubt, don't be afraid to call the card issuer for clarification. Your credit card travel insurance won't cover a trip that you don't purchase with the card, though in some cases paying for a trip in full or in part with that card's rewards points will qualify you for coverage.

Why You Should Trust Us: How We Chose the Best Credit Cards for Travel Insurance

To come up with this list of the best credit cards for travel insurance, we first identified the different types of travel insurance benefits to focus on: trip delay insurance, rental car insurance, trip cancellation/interruption, lost luggage reimbursement, travel accident insurance, and emergency evacuation coverage. We selected the best credit card options for each type of travel insurance by looking through their specific benefits. 

Each credit card we review also has a numerical score out of 5. We arrive at each score by following our credit card rating methodology , which factors in rewards, the welcome bonus, annual fee, and more.

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

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

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

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

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

• Main content

Best credit cards for travel insurance in 2024

Travel insurance benefits offered through credit cards can include trip cancellation and interruption insurance, travel delay coverage and lost luggage reimbursement. You must pay for travel with a common carrier with your respective card for complimentary travel insurance benefits to apply. While credit cards with travel insurance can help protect your trip, they come up short when it comes to protection for emergency medical expenses.

Our top recommendations

• card_name : Best travel insurance benefits overall.
• card_name : Best travel insurance benefits, runner-up.
• card_name : Best for premium benefits.
• card_name : Best for luxury travel.
• card_name : Best for food spending.
• card_name : Best for flat-rate rewards.
• card_name : Best with no annual fee.
• card_name : Best airline credit card for travel insurance.
• card_name : Best for Marriott Bonvoy.
• Hilton Honors American Express Aspire Card : Best for Hilton Honors.

card_name : Best travel insurance benefits overall

Chase sapphire reserve®, why we like it.

This card’s points can save you a bundle on travel in two key ways: You can redeem them for airfare, hotel stays, rental cars and more through Chase Travel at a rate of 1.5 cents. Or, you can convert them into several different airline miles and hotel points currencies to potentially get a value of 2 cents (or more) in travel from your rewards.

• Chase Ultimate Rewards points transfer to airlines and hotels.
• Get 50% more value for travel booked through Chase.
• Comes with $300 travel credit each year.
• Includes airport lounge access.
• No foreign transaction fees.
• Comes with generous travel insurance benefits.
• annual_fees annual fee.
• High variable APR.
• Requires very good or excellent credit.

Travel insurance benefits:

• Trip cancellation coverage worth up to $10,000 per person and $20,000 per trip.
• Trip interruption coverage worth up to $10,000 per person and $20,000 per trip.
• Trip delay coverage worth up to $500 per ticket (six-hour delay required).
• Baggage delay coverage worth up to $100 per day for five days.
• Lost luggage reimbursement worth up to $3,000 per passenger.
• Travel accident insurance worth up to $1 million.
• Primary rental car coverage worth up to $75,000.
• Emergency medical and dental benefits worth up to $2,500 when you're at least 100 miles from home.
• Emergency evacuation coverage worth up to $100,000.

The card_name Card has the best selection of travel insurance benefits of any credit card on the market today by far. Its coverage is broad and rewarding with included benefits for medical expenses and emergency evacuation you don't see from other travel credit cards.

This card also earns valuable Chase Ultimate Rewards points that can be redeemed for cash back, gift cards, merchandise or travel through Chase with 50% more value. Points also transfer 1:1 to airline and hotel partners like British Airways, Southwest Rapid Rewards, United MileagePlus and World of Hyatt.

card_name : Best travel insurance benefits, runner-up

Chase sapphire preferred® card.

The biggest selling point of the card is its flexible rewards. You can travel for pennies on the dollar by transferring the points you earn to airline and hotel loyalty programs such as Hyatt, United Airlines, British Airways and many more. You can also redeem your points for flights, rental cars and cruises through Chase Travel at a rate of 1.25 cents each.

• Points transfer 1:1 to Chase airline and hotel partners.
• Get 25% more value for points when booking travel through Chase.
• Other flexible rewards options.
• Excellent earning rate for everyday purchases.
• Comes with a $50 annual hotel stay credit.
• Requires very good to excellent credit.
• No luxury travel benefits.
• Trip interruption insurance worth up to $10,000 per person and $20,000 per trip.
• Trip delay insurance worth up to $500 per ticket (12-hour delay required).
• Baggage delay insurance worth up to $100 per day for five days.
• Travel accident insurance worth up to $500,000.
• Primary rental car insurance worth up to the actual cash value of the car.

The card_name offers similar travel insurance protections as the Reserve, but with fewer benefits and some lower coverage limits. However, the annual fee on this card is just annual_fees , and users still earn valuable and flexible Chase Ultimate Rewards points.

This makes the card_name a good option for frequent travelers who want the chance to transfer their rewards to airline and hotel partners but want to keep costs down. Customers can also use their points to book travel through the Chase portal, or they can redeem for cash back, gift cards or merchandise.

card_name : Best for premium benefits

Capital one venture x rewards credit card.

• Earns flexible miles that transfer to Capital One airline and hotel partners.
• $300 annual travel credit.
• Airport lounge membership included.
• Excellent rewards rate for eligible travel purchases.
• Lower annual fee than other premium cards with airport lounge access.
• High APR if you carry a balance.
• Excellent credit required.
• Trip cancellation coverage worth up to $2,000 per person.
• Trip interruption coverage worth up to $2,000 per person.
• Lost luggage reimbursement worth up to $3,000 per covered trip ($2,000 per bag in New York).
• Trip delay insurance worth up to $500 per ticket (six-hour delay required).
• Primary auto rental coverage worth up to $75,000.

The card_name is a Visa Infinite card, so it includes a range of travel insurance protections you won't find with other cards. This flexible travel credit card also earns Capital One miles that can be used to book travel through Capital One or transferred to Capital One airline and hotel partners. Additional flexible redemption options include gift cards, statement credits, merchandise and more.

Other reasons to love this card include its $300 annual travel credit, airport lounge membership, cell phone protection and Hertz President's Circle status.

card_name : Best for luxury travel

The platinum card® from american express.

( Rates & Fees )

Insurance disclosures

• Trip Delay Insurance - Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Premium Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
• Cell Phone Protection - Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Extended Warranty – When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
• Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Earns flexible Amex Membership Rewards points.
• $1,500+ in statement credits each year.
• Broadest airport lounge membership available today.
• Very good to excellent credit required.
• Statement credits can be difficult to use.
• Trip cancellation coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip interruption coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip delay coverage worth up to $500 per trip (six-hour delay required).
• Secondary rental car insurance worth up to $75,000.

‌ card_name doesn't offer as many travel insurance benefits as other premium travel credit cards on our list, but it does offer more statement credits and the broadest airport lounge membership available from a credit card. This card also earns flexible American Express Membership Rewards points that can be used for travel through Amex, point transfers to Amex airline and hotel partners, gift cards and other flexible options. Terms apply.

card_name : Best for food spending

American express® gold card.

Trip Delay Insurance - Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

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

Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty - When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

• Underwritten by AMEX Assurance Company.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. 

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

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

• Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Points transfer to Amex airline and hotel partners.
• Comes with up to $240 in statement credits each year.
• Generous rewards for food spending and airfare.
• High APR can apply.
• Baggage insurance plan worth up to $1,250 for carry-on bags and up to $500 for checked bags ($10,000 aggregate coverage limit for residents of New York).
• Secondary auto rental coverage worth up to $50,000 per rental agreement.
• Trip delay insurance worth up to $300 per covered trip (up to two claims allowed per 12-month period).

The card_name offers a few important travel protections, plus generous rewards for big food spenders. In addition to its impressive rewards rates for purchases at U.S. supermarkets and restaurants worldwide, this card also comes with up to $240 in credits per year that can apply to select dining purchases and Uber rides or Uber Eats food deliveries.

Cardholders with the card_name also earn American Express Membership Rewards points that are highly flexible and valuable when it comes to travel redemptions.

card_name : Best for flat-rate rewards

Capital one® venture® rewards credit card.

• Earns flexible rewards with Capital One.
• Miles transfer to Capital One airline and hotel partners.
• Excellent flat rewards rate.
• Fee credit for Global Entry or TSA PreCheck membership included.
• Primary auto rental coverage worth up to the actual cash value of a vehicle if you don't have your own insurance (secondary coverage if you have your own insurance)
• Lost luggage reimbursement worth up to $3,000 per trip ($2,000 per bag for New York residents)
• Travel accident insurance worth up to $250,000

The card_name offers a few travel insurance benefits that can help protect your trip. Cardholders also earn flexible Capital One miles that can be used to book travel through Capital One or transferred to airline and hotel partners. Rewards can also be used for statement credits, gift cards and other flexible options.

The annual_fees annual fee on this card makes it a steal when you consider the sign-up bonus you can earn, along with perks like a fee credit for Global Entry or TSA PreCheck membership.

card_name : Best with no annual fee

Chase freedom unlimited®.

A high return rate on everyday purchases is great, but this card ups the ante in a big way: You can turn the cash back you earn into airline miles and hotel points for nearly free travel — skyrocketing the potential value of your rewards. You’ll need to hold an annual fee-incurring Chase Ultimate Rewards card, like the Chase Sapphire Preferred® Card, to do it; but it’s a nice redemption option to have if travel is a goal of yours.

• Generous cash back rate for everyday purchases.
• Comes with intro APR offer.
• Rewards points are flexible.
• Points do not transfer to Chase airline and hotel partners.
• High variable APR after intro offer.
• Charges foreign transaction fees.
• Trip cancellation coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Secondary auto rental coverage.

The card_name is an excellent choice for infrequent travelers who want protection for trip cancellation and interruption first and foremost. This card doesn't charge an annual fee, and it features incredible cash back rates in several everyday spending categories. Users even get an intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration , which can help them save on interest payments for more than a year.

card_name : Best airline credit card for travel insurance

United quest℠ card.

These valuable benefits make it easy to justify the card_name annual fee, even before you factor in rewards earnings. Plus, the up to 6,000 in PQPs every year makes it easier to access United status benefits that make traveling even more enticing.

• Earns United miles that are redeemable for flights with United and Star Alliance partners.
• Comes with frequent flyer benefits.
• Earn PQP toward elite status.
• annual_fees annual fee applies.
• Rewards inflexibility.
• Trip cancellation coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Baggage delay insurance worth up to $100 per day for three days (six-hour delay required).
• Trip delay reimbursement worth up to $500 per ticket (12-hour delay or overnight stay required).
• Primary auto rental coverage worth up to the cash value of the vehicle.

While the card_name requires a annual_fees annual fee, this card comes with a robust selection of travel insurance benefits and frequent-flyer perks. Users also earn United miles that can be used for flights with United and partners to more than 1,200 destinations in 186 countries around the world.

This card also gives members the chance to earn PQP toward elite status with the United MileagePlus program.

card_name : Best for Marriott Bonvoy

Marriott bonvoy brilliant® american express® card.

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

Premium Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.

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

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

• Automatic Platinum Elite status with Marriott Bonvoy.
• Includes a range of travel benefits and statement credit offers.
• Comes with airport lounge membership.
• Generous welcome bonus and earning rates.
• Trip cancellation insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip interruption insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip delay insurance worth up to $500 per trip (six-hour delay required) with a maximum limit of two claims per 12-month period.
• Baggage insurance plan worth up to $2,000 for checked bags and up to $3,000 for both checked and carry-on luggage ($2,000 per bag in coverage for New York residents with aggregate limit of $10,000).

The card_name offers a suite of impressive benefits Marriott Bonvoy enthusiasts will love, including annual dining credits, automatic Platinum Elite status, and a $100 property credit. Other cardholder perks help justify the annual_fees annual fee, including Priority Pass Select membership and the credit for Global Entry or TSA PreCheck membership.

This card also includes more travel insurance benefits than many other hotel credit cards on the market today.

Hilton Honors American Express Aspire Card : Best for Hilton Honors

Hilton Honors American Express Aspire Card

• Comes with automatic Hilton Diamond status.
• Range of hotel benefits and statement credits included.
• Comes with Priority Pass Select membership.
• Free night award each year.
• Several flight benefits included.
• $550 annual fee.

The Hilton Honors American Express Aspire Card offers a robust selection of benefits for air travel, airports and stays with the Hilton brand. While the $550 annual fee is high, perks like airport lounge membership, annual hotel stay credits and a free night award each year can more than make up for it. The included travel insurance benefits for this card are also generous, and they can be well worth having if you need to file a claim.

Best credit cards for travel insurance 2024: Comparison

How we chose the best credit cards for travel insurance.

To find the best credit cards for travel insurance, we looked at cards based on their included insurance benefits first and foremost. We gave preference to cards that offer trip cancellation and interruption coverage, as well as insurance for lost or delayed bags and travel delays.

We also looked for credit cards that offer the most lucrative rewards structures and welcome offers, as well as flexibility within their designated rewards programs. Other factors we took into consideration include annual fees and interest rates.

Choosing the best credit card for travel insurance: Where to begin

The best credit card for travel insurance can vary from person to person, and assessing each card based on the most important factors can help you in your search. Consider the following criteria as you select a credit card for your next trip.

Travel insurance benefits

The credit cards in this ranking offer complimentary travel insurance protections, although you have to pay for travel with your card for a trip to be covered. These benefits can include trip cancellation and interruption insurance, baggage delay coverage, lost luggage reimbursement, trip delay insurance, primary auto rental coverage and more. Some cards even offer limited coverage for emergency medical expenses and emergency medical evacuation.

Annual fees

Credit cards with the most benefits tend to charge annual fees of $395 to $695. Meanwhile, there are some credit cards with travel insurance that charge $0 to $95 per year.

Either way, you'll want to make sure any annual fee you pay is worth it based on the travel insurance benefits, rewards and other perks you receive.

Travel perks and features

Decide if you want premium travel benefits like airport lounge access, expedited airport security or annual travel credits. If you do want a travel credit card with all the bells and whistles, prepare to pay several hundred dollars in annual fees each year.

Customer satisfaction rankings

You can also look at customer service rankings from different card issuers to determine the quality of customer service you'll receive. Consider the customer service scores below from J.D. Power's 2023 U.S. Credit Card Satisfaction Study, which were assigned by using responses from 31,418 credit card customers from August 2022 through June 2023.

Eligibility by credit score

Note that the majority of credit cards with travel insurance require very good or excellent credit. If you have poor credit or fair credit, you should focus on improving your credit score and financial health before you apply.

Rewards programs

Finally, consider the rewards rates for cards you're looking at and the type of rewards you'll earn. You'll find that credit cards with travel insurance can earn cash back , flexible rewards for travel, airline miles or hotel points.

What does travel insurance from a credit card cover?

Credit cards with travel insurance can offer different protections with their own unique coverage limits and policy limitations. The most common types of travel insurance you can get with a credit card include:

• Trip cancellation coverage : This coverage can reimburse you for prepaid travel expenses when you must cancel a trip for a covered reason like the death of an immediate family member or a sudden illness.
• Trip interruption coverage : Interruption insurance can reimburse you for prepaid travel expenses when a trip must be interrupted for a covered reason, such as falling ill during your vacation.
• Trip delay coverage : This coverage can pay for sudden hotel bills or meals when a trip is delayed by at least six or 12 hours or a delay forces an overnight stay.
• Baggage delay insurance : Baggage delay coverage can pay for clothing, toiletries and other essentials when your bags are delayed by at least six or 12 hours.
• Lost luggage reimbursement : Insurance for lost luggage can reimburse you for your baggage and belongings when your luggage is lost in transit while in the care of a common carrier.
• Rental car coverage : This protection can be primary or secondary to your own insurance, and policy limits apply.
• Medical and dental expense coverage : This protection can pay for emergency medical and dental expenses you incur when traveling away from home.
• Medical evacuation coverage : This type of travel insurance can pay for transportation in a helicopter, an ambulance or a plane when you must be medically transported due to a health emergency.
• Travel accident insurance : This coverage can kick in if you lose your life or are accidentally dismembered during a covered trip.

Pros and cons of credit card travel insurance

Credit card travel insurance comes with its share of benefits that cannot be denied, but there are downsides that come with relying on a credit card for travel insurance protection as well.

Consider these pros and cons:

Pros of credit card travel insurance

• Complimentary coverage : The biggest upside of credit card travel insurance is the fact it's offered for free. You just have to pay for travel with your credit card (or your rewards points in some cases) for coverage to apply.
• Coverage limits can be high : Some credit card insurance protections come with high limits that are enough to cover most trips.
• Can apply to family members : The best coverages apply to the primary cardholder and other companions they're traveling with, including family members.

Cons of credit card travel insurance

• Low coverage limits in some cases : Some cards have relatively low travel insurance limits that may not provide enough protection when you need it most.
• Limited coverages with some cards : Some credit cards with travel insurance only have a few kinds, so they may leave you without important protections you need.
• Minimal protection for emergency medical expenses : Only one credit card offers travel insurance for emergency medical expenses (the card_name ), and this coverage is only worth up to $2,500 when you're traveling more than 100 miles from home.

Do you need additional travel insurance?

Whether you need to buy travel insurance that applies independently of what your credit card offers depends on the type of trip you're taking and how much it costs. If you're driving a few towns away to stay in a hotel, for example, you may be fine with credit card travel insurance. The same is true if you're flying to another state for a relatively inexpensive vacation.

If you're traveling internationally where your own health insurance won't apply, however, you'll likely want to purchase a travel insurance plan that includes robust protection for emergency medical expenses and emergency medical evacuation. Expensive trips may also need travel insurance with higher limits than you can get with credit card coverage.

Frequently asked questions (FAQs)

Do credit card companies sell travel insurance.

Credit card companies do not sell travel insurance, but plenty of reputable travel insurance providers do. If you're ready to compare plans, you can check out companies like Allianz, Travelex and World Nomads.

Is travel insurance worth it for international travel?

Travel insurance is essential for international travel if you want to have coverage for emergency medical expenses and emergency medical evacuation. After all, U.S. health plans do not work overseas, nor do government healthcare programs like Medicare.

Does my Visa card cover travel insurance?

The travel insurance protections you get with a credit card depend on the exact card you have.

How do I know if my credit card covers travel insurance?

Read over your credit card's guide to benefits to find out which protections are already included. You can also call your card issuer to inquire about coverage, but make sure they send you the information in the mail.

For rates and fees of the card_name , please visit URL .

AP Buyline has partnered with CardRatings for our coverage of credit card products. AP Buyline and CardRatings may receive a commission from card issuers.

Best credit cards for travel insurance

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

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

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

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

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

Comparing the top travel credit cards for trip insurance

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

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

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

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

Who should apply

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

Who should skip

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

The Platinum Card from American Express: Best for lounge lovers

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

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

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

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

Chase Sapphire Preferred Card: Best for budget travelers

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

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

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

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

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

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

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

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

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

United Club℠ Infinite Card: Best for United loyalists

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

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

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

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

Is a travel credit card right for you?

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

How to choose a credit card with travel insurance

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

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

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

The bottom line

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

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

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

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

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

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

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

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Advertiser Disclosure

Best credit cards for travel insurance

From trip cancellation to baggage delay and rental car protection, these cards have you covered

Published: August 17, 2022

Author: Aaron Broverman

Author: Lee Huffman

Editor: Brady Porche

How we Choose

The best credit cards for travel insurance offer valuable travel benefits that protect you when problems happen on your trip. Your ideal card should include a generous welcome bonus, strong earning power and attractive benefits that you’ll actually use.

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

Over the last year, travel has had its share of challenges. And, that’s especially true for airline travel, which has been plagued with delays and cancellations due to a perfect storm of increased demand, problems with staffing and other challenges.

When you fly, these types of interruptions can derail your entire vacation, making for a frustrating experience. But the good news is that there are credit cards that offer travel protections to cover expenses when your flight is delayed, interrupted or canceled. They may even cover certain expenses if your checked bag is lost or damaged. These perks can be pretty useful if you’re a regular traveler.

To help you get started, here’s a look at the best credit cards for travel insurance based on the features that are most important to you, as well as tips on how to choose the perfect option for your travel and spending style.

Chase Sapphire Reserve: Best travel insurance coverage amounts

Travel benefits rundown : Auto rental collision damage waiver; baggage delay insurance; emergency evacuation and transportation services; lost luggage reimbursement; roadside assistance; travel accident insurance; travel and emergency assistance services; trip cancellation/interruption insurance; trip delay reimbursement

Why we picked it : The Chase Sapphire Reserve card offers some of the top coverage amounts among travel credit cards. Your trip is covered against cancellation or interruption up to $10,000 per person and $20,000 per trip, and when your trip is delayed more than six hours, you and your family are covered up to $500 per ticket. And in terms of baggage, you’ll receive lost baggage reimbursement of up to $3,000 per passenger per trip, even when your luggage is damaged, and baggage delay insurance for delays of more than six hours (up to $100 a day for five days).

The Reserve also offers emergency evacuation and transportation services for up to $100,000 if you or a member of your immediate family becomes sick or injured, as well as travel accident insurance of up to $1,000,000. And when you rent a car, you’ll receive primary rental car insurance for up to $75,000 against theft or damage to the vehicle.

• Generous travel protections
• $300 annual travel credit
• Priority Pass Select airport lounge access
• Up to $100 in credits toward Global Entry or TSA PreCheck
• $550 annual fee
• Lower sign-up bonus compared to similar premium cards (60,000 points when you spend $4,000 in your first three months)

Who should apply : If you’re a frequent traveler, can deal with the $550 annual fee and want access to a variety of solid travel insurances, this card is hard to beat. Plus, you’ll get stellar rewards rates on travel through Chase Ultimate Rewards as well as on general travel purchases. For a full list of perks, be sure to read through our Chase Sapphire Reserve card benefits guide .

Who should skip : There are similar travel cards with slightly fewer offerings but much lower annual fees, such as the Sapphire Reserve’s sister card — the Chase Sapphire Preferred Card, highlighted below. If you don’t anticipate spending enough to offset the Reserve’s annual fee (or use enough of its added statement credits), you might look elsewhere.

Chase Sapphire Preferred: Best travel insurance coverage for a low annual fee

Travel benefits rundown : Auto rental collision damage waiver; baggage delay insurance; lost luggage reimbursement; roadside dispatch; travel accident insurance; travel and emergency assistance services; trip cancellation/interruption insurance; trip delay reimbursement

Why we picked it : At first glance, it appears that the Sapphire Reserve and Preferred offer the same travel insurance coverages (minus emergency evacuation and transportation, which is only offered by the Reserve). But where they differ is in timing and coverage amounts — through which the Reserve offers better coverage.

The Chase Sapphire Preferred Card  charges one of the lowest annual fees ($95) of all the cards on this list, but you still receive some stellar travel insurance perks. The collision damage waiver for rental cars carries no country exclusion like many other credit cards (though you’ll receive coverage for up to the cash value of the vehicle), and you get many of the same benefits as the Sapphire Reserve.

Here’s a look at other travel insurance differences between the Preferred and Reserve:

• Travel accident insurance goes up $1,000,000 for the Reserve and up to $500,000 for the Preferred.
• Trip delay reimbursement starts at delays of six hours or more for the Reserve and 12 hours or more for the Preferred (or if an overnight stay is required). Both cards cover you and your family up to $500 per ticket for unreimbursed expenses.
• Roadside assistance with the Reserve covers you for up to $50 per incident four times a year, whereas you’ll need to pay for any services when using the Preferred’s Roadside Dispatch perk.
• Comparable travel insurance benefits without a large annual fee
• 80,000-point welcome bonus when you spend $4,000 in three months (for a reasonable annual fee)
• $50 annual statement credit when booking hotels through Chase
• 10 percent anniversary points bonus
• No airport lounge access or access to multiple travel-related statement credits
• Less elevated travel insurance perks compared to the Reserve

Who should apply : If you’re interested in a travel card with solid travel insurance benefits but can’t quite justify the Reserve’s high annual fee, you’ll do well with the Sapphire Preferred. Similarly, the card offers ongoing rewards on general travel and travel through Chase. For more information, you can read through our Chase Sapphire Preferred benefits guide .

Who should skip : The Sapphire Preferred is really only worth skipping if you’re looking for more elevated travel insurance perks, ongoing rewards or statement credits . Otherwise, it’s a great option.

The Platinum Card from American Express: Best range of travel insurance benefits

Travel benefits rundown : Travel assistance (including lost luggage reimbursement and legal assistance); travel inconvenience or delay insurance (including missed flights and luggage delays); trip cancellation and interruption insurance; travel accident insurance; car rental loss and damage insurance; various travel medical coverages (including emergency medical transportation, emergency medical services, emergency dental treatment and prescription expenses)

Why we picked it : The Platinum Card® from American Express comes with a pretty comprehensive travel insurance package if you can handle its hefty $695 annual fee. It also comes with many of the same travel insurance benefits as the rest of the American Express travel card slate, but its benefits , in particular, are so significant that they’re worth a spot on this list.

Enjoy travel assistance that includes help tracking down lost luggage and, in the event it’s not found, get reimbursed for up to $1,200 per trip. This coverage also includes up to $10,000 per trip for legal assistance. With travel inconvenience insurance — including missed departures, connections and luggage delays — get up to $250 per person for additional travel and food and up to $1,000 for baggage delays of four hours or more. Further, secondary trip cancellation and interruption insurance covers up to $10,000 per trip and $20,000 per year, travel accident insurance covers up to $500,000 and car rental loss and damage insurance covers up to the repair cost or value of the car.

To round out the Amex’s Platinum’s premium travel insurance benefits, in the event of an emergency, you’ll receive: $100,000 for medical transportation, $250,000 for medical services, $1,000 for dental treatment and $1,000 for prescriptions.

• Extensive list of travel insurance benefits and annual statement credits
• Global Lounge Collection access, including the Centurion Lounge, Delta Sky Clubs, Priority Pass Select lounges and more
• Exceptional 80,000-point welcome bonus when you spend $6,000 in your first six months
• Automatic hotel elite status
• Limited ongoing rewards categories if you spend quite a bit outside of travel
• Very high $695 annual fee

Who should apply : If you’re looking for the best of the best in terms of a travel rewards card, the Amex Platinum is hard to beat. Be sure, of course, that you can either afford to pay its high annual fee or would spend enough and use enough of its statement credits to offset the yearly cost. For more information on all that this premium American Express card has to offer, read our Amex Platinum benefits guide .

Who should skip : The Amex Platinum has a lot going on, and if you’re not interested in taking advantage of its many, many benefits (Global Entry or TSA PreCheck credit, Clear credit, hotel and airline credits, Uber, Walmart+, digital entertainment credits and more), you may be better off with a lower-fee travel card with slightly less robust travel insurance perks.

Capital One Venture X: Best for adding authorized users

Travel benefits rundown : Auto rental collision damage waiver; trip cancellation and interruption insurance; travel and emergency assistance services; trip delay reimbursement; travel accident insurance; lost luggage reimbursement

Why we picked it : With the Capital One Venture X Rewards Credit Card , you can add up to four authorized users at no additional charge. These authorized users have access to the same trip protections, lounge access and other benefits as the primary cardholder — making it our pick for the best option for authorized user access.

The Venture X offers numerous travel protections, including an auto rental collision damage waiver of up to the cash value of the car (or up to $75,000 for new cars), trip cancellation and interruption insurance of up to $2,000 per person, travel accident insurance of up to $1,000,000, lost luggage reimbursement of up to $3,000 per trip for common carrier tickets, trip delay reimbursement of up to $500 per ticket when a trip is delayed for six hours or more (or requires an overnight stay), and travel and emergency assistance services (though you’ll need to pay any associated fees out of pocket).

• Reasonable annual fee given its ongoing rewards, welcome bonus and statement credit opportunities
• Ability to add up to four authorized users at no cost
• 75,000-mile welcome bonus after spending $4,000 in your first three months
• Cellphone protection
• Travel bonus categories limited to the Capital One Travel portal
• Not as many travel-related statement credits compared to other premium travel cards

Who should apply : If you’re looking for a premium travel card with quality travel insurance benefits and a few statement credits, but without an incredibly high annual fee, the Venture X could be the right choice for you. Other Capital One Venture X benefits include an annual travel statement credit, a Global Entry or TSA PreCheck credit and access to Priority Pass and Capital One lounges.

Who should skip : If you aren’t keen on booking a majority of your travel through the Capital One portal, you may look elsewhere. This card offers 10X miles on hotel and rental cars booked through the portal, 5X miles on flights booked through the portal and just 2X miles on all other purchases.

Bank of America Premium Rewards: Best for large bank balances

Travel benefits rundown : Trip delay reimbursement; trip cancellation/interruption insurance; baggage delay insurance; lost luggage reimbursement; travel and emergency assistance services; emergency evacuation and transportation coverage; auto rental collision damage waiver; roadside dispatch

Why we picked it : Travelers who maintain large bank balances can earn up to 75 percent more rewards with the Bank of America® Premium Rewards® credit card thanks to Bank of America’s Preferred Rewards program. In addition to travel insurance protections, you’ll earn 2X points on travel and dining and 1.5X points on everything else. With the 75 percent maximum bonus, your earning power grows up to 3.5X and 2.625X, respectively.

In terms of travel insurance benefits, you’ll receive trip delay reimbursement of up to $500 per ticket when a trip is delayed for more than 12 hours, trip cancellation/interruption insurance of up to $2,500 for non-refundable tickets and baggage delay insurance of up to $100 per day for five days when baggage has been delayed for six or more hours. You’ll also get lost luggage reimbursement, travel and emergency assistance services, emergency evacuation and transportation coverage, an auto rental collision damage waiver and roadside dispatch, as noted above.

• Monthly bonus for large banking balances via the Preferred Rewards program
• Airline incidental and Global Entry or TSA PreCheck credits
• 50,000-point welcome bonus when you spend $3,000 in your first 90 days
• Relatively low $95 annual fee
• Requires larger deposit balances to get maximum value from Preferred Rewards program
• No airline or hotel transfer partners
• Lack of more premium travel benefits

Who should apply : If you’re already a Bank of America banking customer and are looking to boost your card’s rewards rates, owning the Bank of America Premium Rewards card is a great way to do so. Plus, you’ll get access to some pretty valuable travel insurance benefits. For more information, consider reading through our Bank of America Premium Rewards card benefits guide .

Who should skip : If you don’t carry at least a $20,000 balance within a Bank of America account, getting this card for the Preferred Rewards program points boost really isn’t worth it. Instead, consider looking toward the Sapphire Preferred, as it offers comparable travel insurance benefits, but with higher ongoing rewards rates and a bigger first-year bonus.

Comparing the best credit cards for travel insurance

Types of travel insurance coverage on credit cards.

Rewards credit cards  offer valuable travel insurance protections that can help you save money and protect your travel plans. Benefits vary by card, but the most common types of credit card travel insurance benefits include:

• Trip cancellation/interruption insurance : This coverage reimburses travelers for prepaid, non-refundable travel expenses when a trip is canceled or cut short by sickness, severe weather or other covered situations.
• Trip delay reimbursement : When travel is delayed by a set number of hours or requires an overnight stay, trip delay reimbursement covers unreimbursed expenses. Qualifying expenses can include meals and lodging, for example.
• Lost luggage reimbursement : When your checked or carry-on luggage is damaged or lost by the airline, this coverage reimburses travelers for replacing clothing, toiletries, luggage and more.
• Auto rental collision damage waiver : This waiver protects the cardholder when the rental car is damaged or stolen. Coverage is primary or secondary, and it does not cover damage to other property or injuries to people inside or outside the vehicle.
• Emergency evacuation and transportation : If you or an immediate family member becomes injured or sick during a trip and requires emergency evacuation, this benefit covers medical expenses and transportation.

How to choose a credit card for travel insurance

With so many travel credit cards offering travel insurance benefits, some consumers may have difficulty picking the right one. Here are a few factors you should consider before applying:

• Travel protection limits. How much does the card reimburse or cover in case your travel plans are affected? And how many people are included?
• Travel protection exclusions. How long do you have to wait before the card’s benefits can be used?
• Welcome bonus. Does the card offer an attractive welcome bonus, and can you meet the minimum spending requirements within the allotted time frame?
• Earning power. Review the card’s ongoing rewards rates to determine if they align with how you spend.
• Other card perks. What other perks does the card offer beyond travel protections? If it offers statement credits or discounts that you likely won’t use, there’s likely a cheaper option for you.
• Annual fee. Are the card’s features, benefits and earning power worth the annual fee?
• Authorized users. Does the card allow authorized users — and if it does, how much does it cost to add them?

Bottom line

There are many credit cards that can cover you in the event your next trip gets pushed back or ruined altogether. While the best travel credit cards with travel insurance all offer similar protections, the benefits or terms vary by card.

Besides the travel protections offered, be sure to compare benefits, earning power and annual fees to find the card that best fits your lifestyle and travel plans.

Editorial Disclaimer

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

Aaron Broverman has been covering personal finance for over a decade for Creditcards.com starting with its former sister site Creditcards.com Canada. His personal finance work has also appeared on Yahoo, Money Under 30 and Bankrate.

Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He contributes to CreditCards.com and has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better through the power of travel rewards.

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• Types of travel insurance coverage
• Best travel insurance coverage amounts
• Best travel insurance coverage for a low annual fee
• Best range of travel insurance benefits
• Best for adding authorized users
• Best for large bank balances
• Comparing cards for travel insurance
• How to choose a card

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The Best Credit Cards for Travel Insurance

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

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

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

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

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

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

Table of Contents

How Credit Card Travel Insurance Works

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

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

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

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

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

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

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

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

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

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

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

—> LEARN MORE <—

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

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

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

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

The Venture X offers these protections:

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

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

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

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

Bilt’s travel insurance includes the following:

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

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

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

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

The Platinum Card’s protections include the following:

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

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

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

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

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

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

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

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

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

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

Book Your Trip: Logistical Tips and Tricks

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Travel Protection : United Club(SM) Visa Infinite Card

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United Club℠ Visa Infinite Card

Travel protection.

Go with confidence. When traveling, your United Club Card offers protection and assurance to help you deal with the unexpected.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses made with your United Club Card, such as meals and lodging, up to $500 per ticket.

Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses made with your United Club Card, including passenger fares, tours and hotels.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your United Club Card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000.

Travel and Emergency Assistance Services

If you run into a problem away from home, call 1-800-419-8027 for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your United Club Card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

For assistance with all United Club Card protection benefits, please call 1-888-880-5844 or 1-804-673-1691 . International charges may apply; please contact your service provider for additional details.

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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 .

4 times your credit card's travel insurance can help with summer travel woes, and 7 times it won't

Travel is more unpredictable than ever this summer. I've been lucky that none of my summer trips so far have been incredibly affected by delays or cancellations. But, air travel is a total nightmare right now , and staffing is still an issue for many travel providers — so it's likely only a matter of time.

Other TPG staffers have recently experienced issues. For example, TPG's Sean Cudahy got caught in last week's travel mess , while TPG's Nick Ewen spent time in New Jersey instead of Greece due to weather-related delays.

If you've been reading TPG for a while, you may already know that some credit cards provide travel insurance when you use your card to book your flights (or pay the taxes and fees on award flights ). And you may even be using one of these cards to book your trips. But you may not know what is and isn't covered by these benefits when your travel doesn't go smoothly.

In this guide, I'll give a high-level overview of some scenarios where you can — and can't — expect your credit card's travel insurance benefits to assist.

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Credit card travel insurance

We've written entire articles about credit cards that provide travel insurance . So, I recommend checking out the following stories to learn more about the travel insurance provided by top travel rewards cards :

• What your credit card's trip protection covers — and what it doesn't
• Flight delayed? Remember these 4 things if you want trip delay reimbursement from your credit card
• Flight delayed or canceled? Here are the best credit cards with trip delay reimbursement
• When to buy travel insurance versus when to rely on credit card protections

But, the protections provided by each card are different. So I recommend reading — or at least skimming — your card's guide to benefits before your next trip to familiarize yourself with those specifics. You can call the number on the back of your card for a physical copy or link if needed.

Cards like the Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred Card , Ink Business Preferred Credit Card and The Platinum Card® from American Express provide excellent travel protections. But, I believe the Chase Sapphire Reserve provides the best travel insurance overall.

In this guide, I'll discuss how the benefits offered to Chase Sapphire Reserve cardholders (see the Chase Sapphire Reserve guide to benefits here ) would help (or not) in several scenarios. If you generally pay for your travel with a different card, consider how the benefits on your card may differ.

Related: Travel is tricky right now — here are 7 mistakes to avoid on your next trip

4 times when your credit card's travel insurance can help

If your travel doesn't go smoothly this summer, benefits from your travel rewards credit card may offer reimbursement or other help. Here are four real-life scenarios where your credit card's travel insurance may come in handy.

Your flight is significantly delayed or canceled

First, the bad news: You'll need to work with your airline to get rebooked if your flight is canceled. And if your flight is significantly delayed, you'll need to either wait out the delay or work with your airline to get rebooked on a different flight.

But, the good news is that some cards offer trip delay reimbursement when you use your card to pay for your flight (or the taxes and fees on an award ticket). And this benefit can help as you wait for your delayed or rebooked flight.

For example, if you used the Chase Sapphire Reserve to book your original flight, Chase may reimburse you for "reasonable expenses incurred during the delay." In particular, you can get up to $500 per ticket when you're delayed for more than six hours or your delay forces you into an overnight stay. Chase says reasonable expenses include "meals, lodging, toiletries and medication."

But, you'll only be covered if you are delayed due to "equipment failure, inclement weather, strike [or] hijacking/skyjacking." So, if you're delayed due to the crew timing out during inclement weather, you'll be covered. But if the airline simply can't find any crew to operate your flight and doesn't provide you documentation stating the delay or cancellation is due to one of the aforementioned eligible reasons, you won't be covered.

Related: Chase paid for my $1,100-per-night hotel room thanks to built-in trip delay coverage

Your baggage is significantly delayed

Once again, let's discuss the bad news first: You must report your delayed baggage to the travel supplier. For example, if your checked baggage doesn't appear on the belt after your flight, you'll need to go to the airline's baggage office and fill out a report.

Usually, the airline will start trying to locate your baggage at this point. But often, the airline won't offer to reimburse you for any essentials you might need while you're separated from your baggage.

Luckily, some credit cards cover baggage delays . For example, if you used the Chase Sapphire Reserve to book your flight, Chase may reimburse you "for the emergency purchase of essential items, such as toiletries, clothing, and chargers for electronic devices (limit one per device)."

In particular, Chase may reimburse you up to $100 per day for up to five days. To qualify for this coverage, your baggage must be "delayed or misdirected" for at least six hours.

The items you purchase and include for reimbursement should be "essential." But, Chase excludes some items from reimbursement, including hearing aids, artificial teeth, prosthetic devices, tickets, jewelry, electronics and recreational equipment.

Related: What to do when your luggage is delayed or lost by an airline

You must cancel or interrupt a trip

First things first: No credit card offers " cancel for any reason " trip insurance as a complimentary benefit. But, if you must cancel or interrupt your trip for specific reasons, Chase Sapphire Reserve cardholders might be eligible for reimbursement of "nonrefundable prepaid travel expenses charged by a travel supplier" and "redeposit fees imposed by a rewards program administrator." And in the case of trip interruption, cardholders can be reimbursed change fees and costs to return a vehicle to their residence or the closest rental agency.

Many credit cards offer trip cancellation and interruption insurance . But, you'll only be eligible for reimbursement if you must cancel or interrupt your trip for specific reasons listed in the guide to benefits. For example, you may be eligible for reimbursement if you can't postpone or waive a call to jury duty or subpoena from the courts, and you prepaid for nonrefundable travel expenses with your Chase Sapphire Reserve .

Related: American Express adds new 'cancel for any reason' coverage option on flights

Your luggage is lost or damaged

Earlier, I discussed a scenario where your baggage is delayed. But, it's also possible that your luggage becomes lost, stolen or damaged. As with delayed baggage, you'll need to file a claim with the travel provider once you discover the issue.

Some travel providers will provide reimbursement to repair or replace your luggage. But, if the reimbursement isn't enough, you can also seek additional reimbursement via the baggage insurance offered by your credit card. If you booked your travel with your Chase Sapphire Reserve, you could get up to $3,000 per traveler per trip.

Related: The airline couldn't find my luggage — luckily I had Apple AirTags

7 times your credit card's travel insurance won't help

Of course, your credit card's travel insurance won't help you in every situation. Although you may still find relief through your travel provider or individual travel insurance , here are some real-world scenarios where you wouldn't be covered by the Chase Sapphire Reserve's travel protections :

• You want to be on a different flight: Flight delays and cancellations are frustrating. But, you'll need to work with your airline to get on a different flight. None of the trip delay insurance offered by credit cards will let you buy a new flight and then reimburse it.
• Staffing issues lead the airline to delay or cancel your flight: According to the Chase Sapphire Reserve's guide to benefits, only delays to your trip that are caused by "equipment failure, inclement weather, strike [or] hijacking/skyjacking" are eligible for trip delay reimbursement. So, if the airline can't find crew for your flight due to its employees being sick, for example, you won't be covered.
• Your lodging canceled on you: It's frustrating to be walked from a hotel or have your lodging canceled on you. After all, you may face much higher prices if you need to book a new stay. But, except in specific cases covered by trip cancellation and interruption insurance — such as if your lodging at your trip's destination is "made uninhabitable" — your credit card benefits aren't going to help.
• Your common carrier or travel insurance policy already provides what you need: As an example, if you are delayed overnight and the airline provides you with hotel and meal vouchers, you can't claim reimbursement for these same expenses through your credit card's trip delay benefit . The Chase Sapphire Reserve's guide to benefits states the trip delay benefit "applies to reasonable expenses incurred during your delay not otherwise covered by your common carrier, another party or your primary personal insurance policy."
• Your delay caused you to miss things you already paid for: Trip delays may cause you to miss shows, activities, separately booked flights, hotel nights and more. But, the Chase Sapphire Reserve's trip delay benefit is only for reasonable expenses you incur during your delay. As such, any prepaid trip expenses won't be covered.
• You have to cancel or interrupt your trip for a noncovered reason: As discussed above, the trip cancellation and interruption insurance offered by credit cards like the Chase Sapphire Reserve only covers you if you need to cancel or interrupt your trip for select reasons. So, if you need to cancel or interrupt your trip for other reasons, your credit card's travel insurance won't help. For example, you wouldn't be covered by the Chase Sapphire Reserve's insurance if you didn't obtain a necessary visa or your airline became financially insolvent.
• You left an item or bag behind on the train, airplane or boat: Although some Amex cards include recently purchased items you lose under purchase protection insurance , most travel insurance offered by credit cards won't reimburse you for items you inadvertently left behind.

Travel insurance benefits vary from card to card, though. And, only select family members may be covered along with you for some benefits. So take a look at your card's guide to benefits or call the number on the back of your credit card to learn whether your specific scenario will be covered.

Related: 8 times your credit card's travel insurance might not cover you

Bottom line

Of course, this article assumes you used a credit card with travel insurance to pay for your trip, and the exact protections vary from card to card. But hopefully, this guide gave you an idea of the types of help you may get from your credit card's travel insurance if things go wrong with a trip this summer or beyond.

Finally, some premium travel cards offer an additional perk that may help if you face troubles this summer: lounge access . It can be much more relaxing to wait out a delay in the comfort of a lounge. Plus, you may gain access to agents that can help you rebook or handle complicated bookings if you have access to your airline's lounge.

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

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Understanding the Travel Benefits Your Credit Card Offers

Whether you’re travelling for work or play, there is a possibility of risk when venturing away from home. From losing luggage or scratching the rental vehicle, to injuring yourself or falling sick, the travel benefits included with your TD credit card can help you travel prepared.

How Credit Card Travel Benefits can help you

Travel prepared with the travel benefits on your TD credit card. Depending on the TD credit card, travel benefits could include:

• Travel Medical Insurance 1
• Trip Cancellation / Trip Interruption Insurance 2
• Delayed and Lost Baggage Insurance 3
• Flight/Trip Delay Insurance 3
• Common Carrier Travel Accident Insurance 4
• Auto Rental Collision / Lost Damage Insurance 5
• Emergency Travel Assistance Services 6
• Hotel / Motel Burglary Insurance 7

How do the travel benefits on my credit card work?

Credit card travel benefits can work in many ways. For example, they may:

Provide insurance for travel expenses Depending on the travel benefits included with your TD credit card, you may be insured for certain travel related expenses (i.e. car rentals) and you could also be insured in certain situations (i.e. medical emergencies).

Come with additional Travel Medical Insurance Timeframes vary depending on your age, the length of the trip and the type of credit card.

Make it easier to make a claim In the event of a claim, you’ll want to contact our claims administrator to initiate your claim. It helps to have all your receipts available during this process.

What coverage do I have with my credit card travel benefits?

Depending on the credit card you have, you could be eligible for a range of coverages, from trip cancellations, to lost baggage, to car rental accidents. Check your TD credit card travel insurance benefits  here . It is important to read your  certificate of insurance  to understand which coverages you have with your credit card.

Benefits of having Credit card travel Insurance

There are a number of scenarios when having travel benefits on your credit card may be beneficial.

Your family vacation

It’s your first family trip, your flight’s been cancelled, and you’ve missed your connection. Fortunately, Trip Cancellation Insurance 2  may provide coverage for the cost of your required hotel room.

Lost luggage? No worries.

Imagine finally being able to travel only to then lose your luggage. Thankfully, Delayed and Lost Baggage insurance 3  can help cover a portion of the loss.

Your business trip

While driving to your annual sales meeting, you get into a minor collision and damage the rental vehicle. Thankfully, your Auto Rental Collision/Loss Damage Insurance 5  could help you get back on your way.

How to get started

If you love to travel the world and experience new places and cultures, a TD® Aeroplan® Visa* Credit Card might be for you.

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TD Travel Rewards Cards let you earn points on everyday purchases that can be redeemed for flights, hotels and much more.

Earn cash back on purchases, which can be redeemed whenever you want – for what is most essential to you.

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Explore our Canadian credit card accounts to see which one is right for you.

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1  Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top up with. The day of departure from and the day of return to your province or territory of residence each count as one full day.

2  Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, at least 75% of your trip cost must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

3  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

4  Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

5  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver(CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them — it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

6  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

7  Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant ®. ®Assurant is a registered trademark of Assurant, Inc.

See Air Canada and Aeroplan trade-mark ownership details.

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Navy Federal Flagship Rewards Review: Rich Travel Perks, Low Cost

The card packs a lot of value for a comparatively low cost, making it an excellent and cost-effective choice for travelers.

• High rewards rate
• New cardholder bonus offer
• Flexible rewards redemption
• Must be a member/customer
• Has annual fee

15.24%-18.00%, Variable

Rewards rate

Bonus offer

Earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening your account. Expires on Apr. 30, 2024.

Ongoing APR

APR: 15.24%-18.00%, Variable

Penalty APR: Up to 18.00%, Variable

Cash Advance APR: 20.00%, Variable

Foreign transaction fee

• Get a Flagship credit card, and you could earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening your account. The perks don't stop there—enjoy a year of free Amazon Prime® (a $139 value). Expires on Apr. 30, 2024.
• 3X points on travel
• 2X points on everything else
• Receive statement credits (up to $100) for Global Entry or TSA Pre✓®

Compare to Other Cards

Detailed review: Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card

When it comes to travel credit cards, you typically get what you pay for. But the Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card bucks that trend, offering benefits to rival those on cards with much higher annual fees.

For a modest annual fee of $49 , you'll earn high ongoing rewards, not to mention a fat sign-up bonus that easily outstrips the cost of card ownership, plus plenty of travel-friendly side perks. For cost-conscious travelers looking for flexible rewards, it's an excellent choice.

One potential stumbling block: You have to join the Navy Federal Credit Union to apply, which may be a problem if you don't meet the eligibility criteria or just don't want the extra legwork.

» MORE: NerdWallet's best credit union credit cards

Card type: Travel .

Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card : Basics

Annual fee: $49 .

Sign-up bonus: Earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening your account. Expires on Apr. 30, 2024.

3 points per dollar spent on travel purchases.

2 points per dollar spent on everything else.

Points are worth 1 cent each and can be redeemed for things like travel, cash back, gift cards or merchandise.

APR: Ongoing APR of 15.24%-18.00%, Variable APR .

Foreign transaction fee: None.

Other benefits:

Statement credit for Global Entry or TSA Precheck application fees, up to $100 once every four years.

Secondary collision damage waiver coverage when you rent a car for 15 days or less and pay for the rental with your card.

Travel and emergency assistance. Travel accident insurance when you pay for the fare with your card.

Visa Signature benefits including discounts and perks on travel.

» MORE: NerdWallet's best travel rewards credit cards

Benefits and perks

Big ongoing rewards.

Nowadays, if you have good credit, it's easy to find a card that earns 2 points per dollar on all purchases. But it's rare to find one that also earns elevated rewards on specific bonus categories. That's where the Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card really shines. On top of that elevated base rate, you'll also earn 3 points per dollar spent on travel purchases.

Navy Federal also broadly defines travel to include things like hotel stays, airfare, train tickets, rideshare services, parking expenses, commuter transportation, amusement parks and golf courses. Points are worth 1 cent apiece.

Global Entry or TSA Precheck reimbursement

The Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card is one of several travel cards that offer a statement credit for Global Entry or TSA Precheck application fees. But it's also among the least expensive of those kinds of cards, in terms of annual fees. If you are looking for that kind of perk, this card offers a cheap way to get it.

» MORE: Credit cards with TSA Precheck or Global Entry credits

Drawbacks and considerations

It's comparatively modest: $49 . But you might find the idea of paying anything for card ownership unpalatable. Depending on your spending patterns, you may do better with a travel card that charges no annual fee, such as the Discover it® Miles . It offers 1.5 miles per dollar spent on all purchases. Miles are worth 1 cent each when redeemed against travel purchases.

Credit union membership is required

If you're not a current or former member of the military or a Department of Defense employee, or if you don't have the required family connections, you can't get this card. And even if you do meet the qualification criteria, you may find it cumbersome to join the credit union first just to apply for a credit card. If you're looking for a low maintenance travel card, consider the Capital One Venture Rewards Credit Card , which earns 2 miles per dollar on purchases. It also comes with a Global Entry or TSA Precheck application fee reimbursement, but you will have to pay an annual fee of $95 .

No transfer partners

With the Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card , you have plenty of redemption options: You'll get 1 cent per point whether you use points to book travel through Navy Federal's Rewards Service Center or to redeem for cash back. But you can't transfer points to specific airline or hotel programs.

If you want a card with a solid rewards rate, similarly flexible redemption options and transfer partners, consider the Chase Sapphire Preferred® Card . If you book travel through Chase, each point you earn is worth 1.25 cents a piece. But you also have the option to transfer your points to several loyalty programs. Using your points this way can potentially score you an even higher value per point.

For a look at how these cards compare versus the competition, see NerdWallet's roundup of the best credit cards to get .

The Citi Double Cash® Card earns a net 2% cash back on all spending: 1% when you buy and another 1% when you pay your bill. The annual fee for this card is $0 .

How to decide if it's right for you

If you're looking for a travel credit card with rich benefits at a low cost, yes. The stellar rewards rates, generous sign-up bonus and travel perks make the Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card a steal for the price.

• The best credit cards of 2024
• Best travel credit cards
• Best rewards credit cards
• Best cash back credit cards

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

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Robin Saks Frankel

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• What are the Costco Visa travel benefits

What are the Travel Benefits of the Costco Anywhere Visa® Card by Citi?

Exclusively for Costco members, the Costco Anywhere Visa Card by Citi offers cash back on all purchases and additional cash back on categories such as eligible gas and EV charging, restaurants and eligible travel and purchases from Costco and Costco.com. Cardholders also enjoy access to Citi Entertainment ® .

These benefits and more can make the Costco Anywhere Visa a great card for travel. Let’s look at how it works.

Cash back rewards on travel

Cardholders earn unlimited 3% cash back at restaurants and eligible travel purchases. This can include airfare, hotel stays, car rentals, travel agencies, cruises and Costco travel.

Cardholders can also make the most of road trips and vacation car rentals with 4% cash back on eligible gas and EV charging transactions for the first $7,000 every year. After the first $7,000, cardholders continue to earn 1% cash back in these categories.

Other travel benefits

Cardholders can also get access to services and benefits like:

• Travel and emergency assistance
• Worldwide car rental insurance
• Travel accident insurance
• Roadside assistance dispatch service
• Zero foreign transaction fees 1

Terms, conditions and exclusions apply, please see here for more information.

These services and benefits help take the stress out of travel so you can enjoy a worry-free, relaxing vacation.

Access to Citi Entertainment

Citi Entertainment opens the door to popular experiences, such as concerts, sporting events and dining.

With the Costco Anywhere Visa Card by Citi, cardmembers can get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for some of the most anticipated concerts, sporting events and dining experiences.

Whether you want to attend a local event while on vacation or plan a trip around a concert, your Costco Anywhere Visa® Card by Citi can enhance your travel with special entertainment experiences.

1 Important Pricing & Information

Disclosure : This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.

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What the Wells Fargo Autograph Journey Visa Card offers

How other travel cards compare to the wells fargo autograph journey℠ visa® card, 3 key benefits cardholders get from the autograph journey , move over, chase sapphire preferred. this new travel credit card is turning heads.

Wells Fargo's newest card has one key advantage over the gold standard in travel cards.

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Contributor

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

Tiffany Connors

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

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The Wells Fargo Autograph Journey℠ Visa® Card * -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.

What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards rates. 

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

Here’s a quick overview of what you can expect with the Autograph Journey:

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

Wells Fargo Autograph Journey℠ Card

Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Review: RBC® Avion Visa Infinite†

RBC’s flagship Avion credit card, the RBC® Avion Visa Infinite† , offers a consistently high welcome bonus, strong insurance, and a flexible points currency, all for a reasonable annual fee. In fact, we’ve ranked the RBC® Avion Visa Infinite† as RBC’s best overall credit card product .

That being said, there are some areas in which the RBC® Avion Visa Infinite† falls behind competitors, which we’ll go over in detail in this review.

What we love: c onsistently strong welcome bonus, flexible points, strong travel and retail insurance.

In This Post

Consistently high welcome bonus, straightforward earning rates, flexible rbc avion (elite) points, strong insurance coverage, what else does the card offer, alternative cards to consider.

One of the most attractive features of the RBC® Avion Visa Infinite† is the consistently high welcome bonus.

The welcome bonus tends to fluctuate between 35,000 and 55,000 Avion (Elite) points, with 55,000 points being the card’s all-time high offer.

Typically, a large portion of the welcome bonus is awarded upon approval or upon making your first purchase, which is an easy way to boost your balance. Sometimes, the entire welcome bonus is awarded upon approval, which is even better.

If there’s a second allotment as part of the welcome bonus structure, it’s usually earned after meeting a reasonable minimum spending requirement of $5,000 or so within the first three-to-six months as a cardholder.

• Earn 35,000 RBC Avion points † when you get approved for the card
• Plus, earn  20,000 RBC Avion points † upon spending $5,000 in the first six months
• Earn 1.25x RBC Avion points †  on qualifying travel purchases
• Transfer RBC Avion points to British Airways Executive Club and other frequent flyer programs for premium flights †
• Redeem Avion points for flights with the RBC Air Travel Redemption Schedule †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $120 †

We value RBC Avion (Elite) points at 2 cents per point. Using this valuation, we estimate that a welcome bonus of 35,000 points would be worth around $700, and a welcome bonus of 55,000 points would be worth around $1,100. 

Depending on how you choose to redeem your points, they could be worth more or less than these estimates, and we’ll speak to some of the different redemption options below.

The earning rates on the RBC® Avion Visa Infinite† are quite simple, and are structured as follows:

• Earn 1.25 RBC Avion (Elite) points per dollar spen t on qualifying travel purchases†
• Earn 1 RBC Avion (Elite) point per dollar spent on all other qualifying purchases†

One of the downsides of the RBC® Avion Visa Infinite† is the card’s lack of elevated earning rates on common purchases, such as groceries, gas, and restaurants, which often have category multipliers on other credit cards.

In fact, this is the card’s biggest weakness, since building up your Avion (Elite) balance is a slow-and-steady process, especially if you’re not a big spender.

On the other hand, the baseline earning rate of 1 Avion (Elite) point per dollar spent is on par with the baseline earning rates on comparable cards.

Plus, given the flexible nature of Avion (Elite) points, you can still get a lot of value from collecting Avion (Elite) points, even without accelerated earning rates.

Compared to similar credit cards offered by other banks, redeeming points is where the RBC® Avion Visa Infinite† really shines.

In fact, in Canada, RBC’s Avion (Elite) points is the only rewards currency other than American Express Membership Rewards that offers the ability to transfer points to external partners.

This means that with the RBC® Avion Visa Infinite†, you can transfer Avion (Elite) points earned through the welcome bonus and on daily spending to the following loyalty programs:

• British Airways Executive Club at a 1:1 ratio
• Cathay Pacific Asia Miles at a 1:1 ratio
• American Airlines AAdvantage at a 1:0.7 ratio
• WestJet Rewards at a 100:1 ratio

Plus, RBC often offers transfer bonus promotions throughout the year, during which the transfer ratio is boosted by 10–50%.

By transferring Avion (Elite) points to one of the above airline loyalty programs – ideally when there’s a transfer bonus – you’ll be able to unlock value from a whole range of award flights in economy, premium economy, business class, and even First Class.

If you don’t want to worry about finding award space or navigating loyalty programs, RBC offers an in-house option called the RBC Air Travel Redemption Schedule , which also provides a great return for your points.

With the RBC Air Travel Redemption Schedule, you can redeem Avion (Elite) points for economy flights close to home or around the world and get an elevated value of up to 2.3 cents per point, depending on the route.

Alternatively, if you’re looking for the most straightforward redemption possible, you can also redeem Avion points at a rate of 1 cent per point against any eligible travel expenses charged to your RBC® Avion Visa Infinite†.

Overall, the insurance coverage on the RBC® Avion Visa Infinite† is fairly strong, and it stands out in a few ways compared to competitors.

For example, the ‌emergency medical insurance on the RBC® Avion Visa Infinite† is unlimited in terms of its dollar amount.† This coverage applies for up to 15 days for eligible travellers who are under 65 years old, and for three days for eligible travellers who are 65 years and older.†

Comparatively, other cards usually cap this insurance benefit at $1 million or $2 million in coverage. However, many other cards also have more generous coverage periods and age categories than those offered by the RBC® Avion Visa Infinite†.

A second standout part of the RBC® Avion Visa Infinite† insurance offerings is the purchase security insurance that covers loss or accidental damage for up to 90 days following the purchase of eligible items with your card.†

Notably, this coverage is for up to $50,000 each calendar year,† making the RBC® Avion Visa Infinite† a great choice for larger purchases.

Lastly, the mobile device insurance on the RBC® Avion Visa Infinite† will cover up to $1,500 if your phone is lost, stolen, suffers accidental damage, or experiences mechanical failure for up to two years from the date of purchase.†

This provides you with the reassurance that you won’t be left with out-of-pocket expenses if anything unfortunate happens to a new device that you purchased with your RBC® Avion Visa Infinite†.

The RBC® Avion Visa Infinite† comes with some other perks and benefits worth highlighting.

For the past few years, RBC has offered the Friday Friend Pass , which gives cardholders a free second lift pass when purchasing a full-price lift pass at many major ski resorts in Canada.† 

If you’re able to make use of this benefit, it’s a great feature that can wind up saving you money when you hit the slopes with a friend or family member.

Additionally, on the Avion Rewards dashboard, you’ll also find a series of RBC Offers for earning bonus Avion points or saving you money on travel and experiences.

For example, one offer that has popped up before is the opportunity to earn extra Avion points when spending at Canadian Marriott Hotels .

With this type of offer, simply charge your hotel stay to your RBC® Avion Visa Infinite†, and you’ll earn bonus points.

The card also comes with other features that can help you save on some daily purchases.

By linking your RBC® Avion Visa Infinite† to a Petro-Points card, you’ll save 3 cents per litre on gas at Petro-Canada, and you’ll also earn more Petro-Points.†

You’ll also receive a complimentary DoorDash DashPass subscription for 12 months, which gives you $0 delivery fees with DoorDash.†

While the RBC® Avion Visa Infinite† offers a generous welcome bonus and access to flexible RBC Avion (Elite) points, there are other cards worth considering, depending on your priorities.

For example, the American Express Cobalt Card also earns flexible rewards points that can be transferred to even more partners, and its earning rates are much stronger than those of the RBC® Avion Visa Infinite†. 

Recall that with the RBC® Avion Visa Infinite†, you’ll only earn 1–1.25 Avion (Elite) points per dollar spent, depending on the purchase.

With the American Express Cobalt Card, you can earn 5 Membership Rewards points per dollar spent on dining and groceries, 3 Membership Rewards points per dollar spent on streaming services, 2 Membership Rewards points per dollar spent on gas, public transit, and travel purchases, and 1 Membership Rewards point per dollar spent on all other purchases.

If you have a high volume of spending in any of the accelerated categories, you’ll wind up with a boosted points balance much faster than making the same purchases on the RBC® Avion Visa Infinite†. 

If you’d like to add a card for spending outside of Canada and some complimentary lounge visits, the Scotiabank Passport Visa Infinite Card is a great choice.

While the welcome bonus generally isn’t as high as the RBC® Avion Visa Infinite† and the Scene+ points you earn aren’t transferable to airline or hotel partners, the Scotiabank Passport Visa Infinite Card comes with no foreign transaction fees and six complimentary airport lounge visits per year .

Consider this card as a good alternative if you spend a lot outside of Canada, don’t see yourself transferring points to airline partners, and can make use of the complimentary lounge visits.

The RBC® Avion Visa Infinite† is a great credit card, and has earned our pick as the best overall RBC credit card product . 

However, the RBC® Avion Visa Infinite† lags behind the competition in terms of earning points on daily spending given the card’s straightforward earning rates.

Additionally, it’d be nice to see better travel benefits added to the card’s features, such as complimentary airport lounge access and no foreign transaction fees.

That being said, if you’re looking for a travel credit card with a constantly high welcome bonus and flexible points for a reasonable annual fee, the RBC® Avion Visa Infinite† is one of the best.

† Terms and conditions apply. Refer to the RBC website for up-to-date offer terms and conditions.

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Wells Fargo Autograph Journey Card review 2024: rewards, benefits, and more

The Wells Fargo Autograph Journey Card offers generous travel rewards for a reasonable annual fee, making it an excellent choice for frequent travelers who prioritize earning points on hotels, airlines, and dining expenses.

Marc Guberti

Marc Guberti is a Certified Personal Finance Counselor (CPFC) and Bankrate contributor. He also writes articles on finance and investing for US News & World Report, InvestorPlace, Benzinga, and other publications.

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Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Bankrate's senior editor of content partnerships.

Updated April 24, 2024, 2:34 PM EDT

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The new Wells Fargo Autograph Journey℠ Visa® Card is a great travel card with a reasonable annual fee. This card is best for frequent travelers thanks to its unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel, and 1X points on all other purchases.

In this review, we'll dive into the features, benefits, and potential drawbacks of the Wells Fargo Autograph Journey card, helping you determine if it's the right fit for your wallet.

Key takeaway

The Wells Fargo Autograph Journey Card offers great rewards on hotels, airlines, and dining expenses alongside travel protection benefits, making it a valuable tool for those who spend heavily in these categories and want to maximize their travel rewards.

Wells Fargo Autograph Journey℠ Visa® Card

• 5X points back on hotels and other great travel rewards
• Generous welcome bonus
• Annual statement credit for airfare purchases
• No portal that restricts which travel purchases qualify for bonus points
• No foreign transaction fees
• Travel protection benefits
• Rewards primarily focused on travel and dining categories
• No introductory APR period
• $95 annual fee

Key features

• Unlimited 5x points on hotels, 4x points on airlines, 3x  points on other travel and dining, 1x on other purchases
• $50 annual airfare statement credit 

Travel protection benefits 

Benefits and rewards.

The Wells Fargo Autograph Journey Card comes with a generous welcome bonus of 60,000 reward points after spending $4,000 within the first three months. This bonus can be redeemed for travel, gift cards, or statement credits, giving you a head start on earning points. 

One of the most attractive aspects of this card is its unlimited reward structure. Cardholders earn 5X points on hotel bookings, making it an excellent choice for those who frequently stay at hotels. 

The card also offers 4X points on airline purchases, helping you accumulate points quickly when booking flights. For other travel expenses and dining, you'll earn 3X points, while all other purchases earn 1X points.

The Wells Fargo Autograph Journey card costs $95 per year, on par or lower than many other comparable travel credit cards. 

You’ll also get a $50 annual statement credit for any airline booking (with a $50 minimum airline purchase), effectively reducing the annual fee to just $45. This credit can offset the cost of flights, making your travel even more affordable.

Redeeming rewards

The Wells Fargo Autograph Journey card is a flexible travel card, which means you can transfer points to hotel or airline partners.

Co-branded cards often offer 2X-5X points on travel and may restrict which airlines or hotel chains you can use points with. For example, an American Airlines credit card often requires you to board an American Airlines plane to get the maximum points back. 

Unlike other travel cards, you don’t have to use Wells Fargo’s travel portal to earn bonus points when booking travel. For example, you can earn 5X points on travel purchases with the Chase Sapphire Preferred® Card , but you must make those purchases within the Chase Travel℠ portal to earn the bonus points.  

The Wells Fargo Autograph Journey card doesn’t have this type of restriction. Also, unlike many other cards, there’s no cap on the rewards you can earn, says David Shipper, Strategic Advisor at Datos Insights. 

This card offers trip cancellation, reimbursing you up to $15,000 for non-refundable expenses such as lodging, flights, and activities if your trip is canceled for a covered reason. This benefit provides peace of mind when booking travel, knowing you're protected against unforeseen circumstances. 

The Autograph Journey card also offers other travel protections, such as trip delay reimbursement, lost luggage reimbursement, and auto rental collision damage waiver. These benefits can save you money and hassle in travel disruptions or mishaps.

Considerations and downsides

While the Wells Fargo Autograph Journey Card offers impressive rewards, there are a few potential downsides.

The card comes with an annual fee of $95, which may be a deterrent for some (especially when there are plenty of solid no annual fee cards on the market). But, the $50 annual statement credit for airfare effectively reduces the annual fee to $45, making it more manageable. 

“The card comes with a $95 fee, which many consumers will not want to pay. However, that fee is in line with other travel-related credit cards (if not a bit lower) and will more than offset by the card's many bonus features,” Shipper says. 

Another drawback is that the card's rewards are focused primarily on travel and dining. If you don't spend heavily in these categories, you may be unable to maximize the card's rewards. 

Additionally, the redemption options for reward points may be limited compared to other travel cards . While Wells Fargo does have a list of travel partners you can transfer points to at a 1:1 rate, the network is not as diverse or large as other competitors.  

This card also doesn’t have a 0% introductory APR offer, making it not the best choice for those who may carry a balance.

Who is the Wells Fargo Autograph Journey card best for?

The Wells Fargo Autograph Journey Card is an excellent choice for frequent travelers who spend heavily on hotels, airlines, and dining. The lack of limits on your bonus points makes this card especially worthwhile.

But if you spend regularly outside of these categories, this may not be the best card for you. 

You’ll get 1X points back on non-travel and non-dining purchases, but that’s the minimum across the industry. You’re better off using another card for groceries, electronics, gas, and everyday purchases.

Alternatives

The Wells Fargo Autograph Journey card offers many perks for people who like to travel often. However, you should compare credit cards before choosing the right travel card for your finances. Here are some alternatives.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred card also offers 60,000 bonus points if you spend $4,000 on purchases within the first three months of opening your account.

The card offers 5X points on travel purchased through Chase’s Travel portal, 2X on other travel purchases, 3X on dining and grocery purchases (excluding Walmart, Target, and wholesale clubs), 3X points on select streaming services, and 1X on all other purchases.

The Sapphire Preferred card has a greater range of spending categories that exceed 1X points back. You’ll also get 25% more value when you redeem your points through the Chase Travel℠ portal. For example, 60,000 points can be valued at up to $750 for qualifying travel expenses. The card has a $95 annual fee.  

Capital One Venture Rewards Card

The Capital One Venture Rewards card offers a straightforward unlimited 2X miles for every dollar you spend. You’ll also earn 5X miles on hotels and rental cars booked through Capital One Travel, all for a $95 annual fee.

The new cardholder offer is 75,000 bonus miles if you spend $4,000 on purchases within the first three months of opening your card. The card comes with travel accident insurance.

The ability to earn unlimited 2X miles on every purchase is a good perk for non-travel spending categories. However, you must use Capital One Travel to book your flights and hotels to receive the maximum bonus miles.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph card is a good starter card for those who want to earn travel rewards but don’t want to pay an annual fee.

You can receive unlimited 3X points at restaurants, travel, gas and electric vehicle charging stations, transit, popular streaming services, and phone plans. All other purchases are eligible for 1X points. You can redeem points for travel, gift cards, and cash.

The card doesn’t have as many travel benefits but has some notable perks. You’ll get up to $600 of cell phone protection against theft or damage, 24/7 roadside dispatch, and an auto rental collision damage waiver.

You can earn 20,000 bonus points if you spend $1,000 within the first three months of opening your account, which is worth up to $200 in cash back. 

Citi Premier® Card 

The Citi Premier card has a 60,000 bonus point welcome offer if you spend $4,000 after the first three months of opening your account. This card has a $95 annual fee. You can earn a $100 annual hotel credit if you spend $500 or more, helping you offset the annual cost.

The card offers 3X points back on restaurants, supermarkets, gas stations, air travel, and hotels. You will receive 1X points back on all other purchases. Points do not expire, and there is no limit to how many bonus points you can earn.

For a limited time, you can earn up to 10X points on hotels, car rentals, and attractions (excluding flights) booked through Citi’s travel portal. This promotional offer lasts until June 30, 2024. 

Bank of America® Travel Rewards credit card

The Bank of America Travel Rewards card is a straightforward card with no annual or foreign transaction fees. You’ll earn a flat 1.5X points on every purchase. You can also receive 25,000 bonus points if you spend $1,000 within the first 90 days of opening your account.

Unlike the Wells Fargo Autograph Journey card, this card has a 0% introductory APR offer. You’ll get 0% APR for the first 15 billing cycles for purchase. The intro balance transfer fee is 3% for the first 60 days, and this balance transfer fee goes up to 4% after the initial promotion.

Bank of America Preferred Rewards members can earn 25%-75% additional points on every purchase. Your membership level depends on your two-month combined average daily balance across your Bank of America bank accounts.

Outside of that, the card doesn’t have as many perks. It’s good for beginners who want to get started earning travel rewards. However, you may earn more rewards and access additional benefits if you use a card with an annual fee.   

The bottom line

The Wells Fargo Autograph Journey card is a great, flexible choice for travelers with a moderate annual fee. The card also has a generous welcome bonus similar to what you will find with other travel cards.

But it’s important to consider your spending habits and travel preferences when deciding if this card is right for you. If travel and dining aren’t your primary spending categories, you may find more value in alternative cards with different rewards. Its rewards, benefits, and travel protections make this card a solid choice for travelers. 

Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.  

Best credit cards for airport lounge access in April 2024

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Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Stepping into an airport lounge from the chaotic main terminal can feel like stepping onto dry land from a whitewater raft. It evokes a feeling of peace, tranquility and “phew – we made it.”

As a result, airport lounge access is one of the most enviable perks you can get with a travel rewards credit card. But which cards still offer it in 2024, and from that list, which are still worth getting?

The best cards for airport lounge access in April 2024

Best overall: capital one venture x rewards credit card, best for extensive lounge access: the platinum card® from american express, best for affordable lounge access: u.s. bank altitude® connect visa signature® card, best for delta: delta skymiles® reserve american express card, best for united: united club℠ infinite card, best for american airlines: citi® / aadvantage® executive world elite mastercard®.

The Capital One Venture X Rewards Credit Card offers unlimited complimentary access for you and two guests to a wide lounge network comprising Capital One Lounges, Priority Pass and Plaza Premium Group. Plus, its $395 annual fee is easy to recoup on account of the $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. 

Capital One Venture X Rewards Credit Card

Intro bonus.

Rewards Rates

• 10X 10x miles on hotels and rental cars booked through Capital One Travel
• 5X 5x miles on flights booked through Capital One Travel
• 2X 2x miles on everyday purchases
• Annual $300 travel credit and 10,000 Miles upon card anniversary make up for the annual fee
• Airport lounge access
• Capital One Miles require effort to maximize
• Limited cash redemption options

Other benefits

• Travel protections including car rental insurance, trip cancellation/interruption and travel delay protection
• Consumer protections including extended warranty and return protection

Why we like this card: We like how the Capital One Venture X comes with a hefty 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening, unlimited complimentary access for you and two guests to 1,300+ airport lounges, including Capital One Lounges and our Partner Lounge Network, and 10x miles on hotels and rental cars booked through Capital One Travel. 

The $395 annual fee may seem steep, but it’s actually a relative bargain among premium travel cards offering unlimited lounge access. Plus, you’ll earn $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary–a combined $400 in travel value–which instantly covers your fee for the year.

The cherry on top is up to $100 credit for Global Entry or TSA PreCheck®, so you can scoot through security and get to the lounge a little faster. And the Capital One Lounge network is small, but mighty, with game-changing features such as extensive to-go options. All things considered, the Capital One Venture X Rewards Credit Card is the airport lounge card to beat. 

The Platinum Card® from American Express claims to have the widest lounge access of any card on the market, with access to well over 1,500 lounge locations in over 140 countries. Combine that with a list of travel-centric benefits longer than a CVS receipt, and it’s an easy pick for this list. 

The Platinum Card® from American Express

See Rates and Fees

Reward Rates

• 5X Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year)
• 5X Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel
• 1X Earn 1x points on all other eligible purchases
• Packed with valuable potential credits for digital entertainment, Equinox gym, Walmart+ membership, and more.
• Airport lounge access with a larger network than any other card
• Membership Rewards are valuable due to their flexibility.
• The multiple potential credits can be cumbersome to track.
• Sky-high annual fee
• Some of the perks can be hard to use if they don’t align with your lifestyle.
• Travel benefits including hotel and car rental chain statuses, car rental insurance, trip cancellation/interruption and travel delay protection

Why we like this card: Like a fully-loaded Mercedes S-Class, The Platinum Card® from American Express comes with an eye-watering price tag but an expansive list of benefits to justify it. 

Naturally, one of those benefits is airport lounge access. You’ll have access to Amex’s Global Lounge Collection, which includes the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select. That’s 1,500+ lounges in total, meaning an Amex Platinum is the closest we have to an airport lounge master key. 

You’ll also get up to $189 back per year on a CLEAR® Plus membership (subject to auto-renewal) when you use your Platinum Card®, up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your card, up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal (enrollment required), up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card® (minimum 2-night stay required) and a welcome bonus of at least 80,000 Membership Rewards® Points after spending $8,000 on purchases on the Card in your first 6 months of card membership, so there are plenty of ways to extract value from your “Plat” outside of an airport lounge. 

To view rates and fees of the The Platinum Card® from American Express , see this page  

Amex Centurion Lounge Atlanta review Best travel credit cards What is Global Entry and why should I want it?

The U.S. Bank Altitude® Connect VISA Signature® Card card includes four free visits to over 1,500 Priority Pass locations worldwide, a $100 TSA PreCheck/Global Entry credit and a $500 welcome bonus–all for a modest annual fee of $95, which is waived for the first year.

U.S. Bank Altitude Connect

• 5x 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
• 4x 4X points on travel, at gas stations and EV charging stations
• 2x 2X points at grocery stores, grocery delivery, dining and streaming services
• 1x 1X on all other purchases
• High earnings on travel
• No annual fee the first year
• 4 Priority Pass lounge visits per year
• Points not transferable to travel partners
• Additional perks: Cell phone protection, Trip cancellation/interruption, TSA/Global Entry fee rebate
• Foreign transaction fee: None

Why we like this card: As an affordable travel rewards card, U.S. Bank’s Altitude Connect card is a worthy rival to the reigning Chase Sapphire Preferred ® Card . Unlike the “CSP,” the U.S. Bank Altitude® Connect VISA Signature® Card includes complimentary Priority Pass Select membership with four airport lounge passes, a $100 credit towards TSA PreCheck or Global Entry and up to 4X on travel purchases. 

The card also waives its $95 annual fee for the first year and offers a hefty welcome bonus of 50,000 bonus points after spending $2,000 in the first 120 days worth $500 towards travel and more. In short, it’s positively packed with value for travelers, and if you’re not sure whether you’ll even visit a lounge more than four times this year, it’s a logical choice.

The Delta SkyMiles® Reserve American Express Card offers Delta fans a truly elevated experience, with 15 visits to the Delta Sky Club per year, four guest passes, free checked bags, an Annual Companion Certificate, upgrade priority and more. It doesn’t include automatic Medallion status, but offers plenty of ways to to get there faster (e.g. MQD Headstart).

Delta SkyMiles® Reserve American Express Card

Intro bonus.

• 3x Earn 3X Miles on Delta purchases
• 1x Earn 1X Mile on all other eligible purchases.
• Premium benefits for Delta flyers, like first checked bag free and access to the Delta Sky Club
• Companion certificate good for a round trip domestic Main Cabin, Comfort+ or First Class flight each year upon renewal of your card
• Access to Centurion Lounge network
• High annual fee
• Access to Delta Sky Club limited to 15 passes a year after February 2025
• Base earnings rate is low compared to other cards
• 15% discount on Delta award flights
• Travel protections including accident insurance, rental car coverage, trip cancellation and delay insurance
• Consumer protections including cell phone insurance, extended warranty, purchase and return protection

Why we like this card: Though it charges a heart-stopping $650 annual fee, the Delta SkyMiles® Reserve American Express Card does include a 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership to help cover your first two years with the card. You’ll also 3X Miles on Delta purchases, up to 15% off award travel on Delta when booked on Delta.com, a free first checked bag, up to $240 Resy Credit, up to $200 Delta Stays statement credit and more to make the card’s high fee more palatable. 

In terms of lounge access, the Delta SkyMiles® Reserve American Express Card includes 15 visits to the Delta Sky Club per year. That’s objectively pretty stingy considering there are cheaper cards on the market offering unlimited access to a larger network for both you and multiple guests. Still, if you’re a solo Delta traveler, 15 visits to the Delta Sky Club per year may be all you need.

The United Club℠ Infinite Card may charge $525 per year, but it covers a United Club membership–which alone retails for $650–and includes a litany of other travel-friendly benefits like Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

United Club℠ Infinite Card

• 4x 4 miles per $1 spent on United® purchases
• 2x 2 miles per $1 spent on all other travel and dining
• 1x 1 mile per $1 spent on all other purchases
• United Club lounge membership
• Valuable welcome bonus
• Path to earn elite airline status by card spend
• Mostly useful if you want lounge access
• Additional perks: Primary rental car coverage, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement

Why we like this card: If you and your travel companion frequently fly United, check multiple bags each and relish the thought of decompressing in the United Club lounge, the United Club℠ Infinite Card might deserve a place in your wallet. 

That’s because the card’s marquis feature is a $650 United Club membership, granting unlimited access for you and your travel companions. You’ll also get Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases, 25% back on food/beverage/Wi-Fi purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. 

Once the welcome bonus dries up it can be hard to continue justifying the United Club℠ Infinite Card‘s $525 annual fee–especially since you can only take advantage of the card’s best benefits while traveling with United. The lack of Polaris Lounge access is a bummer, too. But if you’re a hardcore brand loyalist who doesn’t travel light, the United Club℠ Infinite Card could still be a worthy travel companion. 

With complimentary Admirals Club membership (valued up to $850), up to nine free checked bags per trip and an “enhanced airport experience,” the Citi® / AAdvantage® Executive World Elite Mastercard® rolls out the figurative red carpet for AA frequent flyers.

Citi® / AAdvantage® Executive World Elite Mastercard®

• 10x Earn 10X AAdvantage miles on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars.
• 4x 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases (5X after you spend $15,000 on airfare)
• 1x 1x AAdvantage miles on all other purchases
• Earns AAdvantage miles, which are not easily accessible outside of co-branded AAdvantage credit cards.
• Every dollar spent earns one Loyalty Point toward elite status.
• Includes Admirals Club lounge membership, valued at up to $850.
• High spending requirement for earning the 70,000-mile welcome bonus
• No category bonuses outside of American Airlines spending.
• Travel perks: AAdvantage club membership, checked bag benefit, trip cancellation and interruption protection
• Credits: Up to $120 annual credit to Avis or Budget rental cars, Up to $10 monthly credits to Lyft and Grubhub

Why we like this card: If you’re ready to pledge fealty to American Airlines via a $595 rewards card, you’ll be receiving plenty of perks and value in return from the Citi® / AAdvantage® Executive World Elite Mastercard®. For starters, you’ll get a complimentary Admirals Club membership and free first checked bags for you and up to eight travel companions–saving up to $720 per round trip. 

You’ll also get 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening, 25% savings on inflight purchases of food and beverages on flights and 10X AAdvantage® miles on hotels booked through aa.com/hotels. But perhaps most intriguingly, the card unlocks an “enhanced airport experience” with priority check-in, screening and boarding when flying with AA. 

Just keep in mind that Admirals Club membership only includes access to 50ish Admirals Clubs and 60ish partner lounge locations total, so you may want to confirm that there’s one in your home airport before committing. 

Frequently asked questions

Which card is best for airport lounge access.

The Platinum Card® from American Express has the most expansive lounge access, with unlimited visits to locations within the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select. 

However, we think the Capital One Venture X Rewards Credit Card offers better value, with access to Capital One Lounges, Priority Pass and Plaza Premium Group locations for a $395 annual fee ($300 less than the Platinum).  If you are looking for a lower price tag, check out our article about the best cards for cheap airport lounge access .

Are lounge access cards worth it? 

A rewards card with airport lounge access could be worth it if you fly several times a year, value having a secluded place to work, and relax and plan to take advantage of the card’s other benefits. 

Some say that the most underrated perk of airport lounges is having access to a dedicated airline representative inside. That way, you can skip the long customer service line outside if something goes wrong with your travel plans. 

How do I know if my credit card has lounge access? 

Check your card benefits, which can usually be found online following a quick search. While you’re there, check to see if any of the included lounge networks require you to register your membership in advance–that way, you can save time and hassle at the airport.

Methodology

Fortune Recommends surveyed all the cards still offering airport lounge access in 2024 and handpicked the very best. In evaluating cards that offer airport lounge access, we compared the annual fees to the amount of lounge access provided. From the card granting access to the most locations worldwide to another charging a mere $95 annual fee ($0 for the first year), we found the best credit cards for airport lounge access in 2024.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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Find the best credit card for you

Here are the 3 best chase balance transfer credit cards of 2024, save money with these chase credit cards that offer 0% introductory aprs on balance transfers..

Credit card interest rates are often higher than other financial products like personal loans or mortgages so it's best to pay off your credit card balance in full every month . However, that isn't always possible so many people may wind up with high-interest credit card debt. In these situations, taking advantage of a 0% balance transfer offer can reduce the interest you pay and help you pay off your credit card debt more quickly.

Chase is known for issuing some top travel credit cards , but it also has several cards that offer an intro 0% APR for balance transfers. Consider these Chase balance transfer credit cards if you're hunting for a balance transfer offer. (See our methodology for information on how we chose the best Chase balance transfer credit cards).

Best Chase balance transfer credit cards

• Best for long intro APR: Chase Slate Edge℠
• Best for cash back: Chase Freedom Unlimited®
• Best for rotating bonus categories: Chase Freedom Flex℠

Best for long intro APR

Chase slate edge℠, welcome offer.

Get an automatic review for a credit limit increase when you pay on time and spend $500 in your first six months.

0% for 18 months from account opening on purchases and balance transfers

Regular APR

20.49% - 29.24% variable

Balance transfer fee

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

Credit needed.

Excellent/Good

Member FDIC. Terms apply. Information about the Chase Slate Edge℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

• No annual fee
• Lower your interest rate by 2% each year: Automatically be considered for an APR reduction when you pay on time, and spend at least $1,000 on your card by your next account anniversary
• 3% foreign transaction fee
• No rewards program

Who's this for? The Chase Slate Edge℠ does one thing, and it does it well — reduce the interest you pay. Its longer-than-usual introductory APR offer makes it ideal for those seeking more time to pay off their balance.

Balance transfer offer : New cardholders are eligible for an intro 0% APR on eligible balance transfers and purchases for 18 months from account opening, then a 20.49% to 29.24% variable APR applies. This is one of the longest intro APR offers available and is especially useful since it applies to purchases, too.

An intro balance transfer fee of either $5 or 3% of the amount of each transfer (whichever is higher) applies to transfers completed in the first 60 days of account opening. After that, the balance transfer fee is $5 or 5% of the amount of each transfer (whichever is higher).

[ Jump to more details ]

Best for cash back

Chase freedom unlimited®.

Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Welcome bonus

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

0% for the first 15 months from account opening on purchases and balance transfers

3% of each transaction in U.S. dollars

Member FDIC. Terms apply.

Read our Chase Freedom Unlimited® review.

• Rewards can be transferred to a Chase Ultimate Rewards card
• Generous welcome bonus
• 3% fee charged on foreign transactions

Who's this for? The Chase Freedom Unlimited® is geared toward those who want to earn cash back on their everyday spending and still want access to a helpful intro APR offer.

Balance transfer offer : New card members receive an intro 0% APR for purchases and balance transfer for the first 15 months, after that a variable 20.49% to 29.24% APR applies. For the first 60 days of account opening, there's an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum). After that, a standard balance transfer fee of $5 or 5% of the amount of each transfer applies, whichever is greater.

Best for rotating bonus categories

Chase freedom flex℠.

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Read our Chase Freedom Flex℠ review.

• Opportunity to earn up to 5% cash back in select categories upon activation
• Bonus categories must be activated each quarter

Who's this for? The Chase Freedom Flex℠ is a great card for anyone who enjoys squeezing the most value out of their credit card thanks to its generous rotating quarterly bonus categories.

Balance transfer offer : New cardholders can take advantage of a 0% intro APR for the first 15 months on purchases and balances transfer, then a 20.49% to 29.24% variable APR applies. An intro balance transfer fee of either $5 or 3% of the amount of each transfer applies to transfers completed in the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer or $5, whichever is greater.

More on our top Chase balance transfer credit cards

The Chase Slate Edge℠ is a no annual fee card with several features that can help you pay less interest, but doesn't earn rewards.

Get an automatic review for a higher credit limit when you pay on time and spend $500 in the first six months.

Notable perks

With the Chase Slate Edge , you are automatically considered for a 2% APR reduction if you pay your monthly bill on time and spend at least $1,000 on the card before your next account anniversary (terms apply). While you'll want a plan to pay off your balance transfer before the interest kicks in, this feature can help you lower your APR compared to what you might pay with other credit cards.

This card's insurance benefits include purchase protection, extended warranty protection, roadside dispatch and rental car collision and theft coverage (secondary in the U.S.).

[ Return to card summary ]

The Chase Freedom Unlimited® is one of CNBC Select's top no-annual-fee cash-back credit cards with a unique intro bonus and a handful of useful benefits to complement its cash-back earnings.

• 6.5% cash back on travel booked through Chase Travel
• 5% back on Lyft rides (through Mar. 31, 2025)
• 4.5% cash back on dining
• 4.5% cash back at drug stores
• 3% cash back on all other purchases (on up to $20,000 spent in the first year)

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

Cardholders can earn 5% cash back on Lyft rides through March 2025 and enroll for three complimentary months of DashPass (activate by Dec. 31, 2024). Purchases are also covered by a range of built-in protections like rental car collision damage insurance (secondary in the U.S.), extended warranty coverage, purchase protection and trip cancellation and interruption insurance.

While this is a cash-back credit card , you can boost the value of the rewards you earn by pairing this card with a Chase card that allows points transfers (such as the Chase Sapphire Preferred® Card ). By transferring the rewards you earn to travel partners like World Hyatt, United MileagePlus and Air Canada Aeroplan, you can potentially book luxury hotels and flights for fewer points.

The Chase Freedom Flex℠ packs a punch with generous rewards in bonus categories that change every quarter and an easy-to-earn welcome bonus.

• 5% cash back on the first $1,500 spent in categories that change each quarter, then 1% cash back (activation required)
• 5% cash back on travel booked through Chase Ultimate Rewards®
• 3% cash back on dining
• 3% cash back at drug stores
• 1% cash back on all other purchases

Earn a $200 bonus after spending $500 on purchases in the first three months from account opening. 

Cardholders receive discounts and special perks with partners like Lyft and DoorDash. There are also many valuable built-in protections for a no-annual-fee card, including:

• Cell phone insurance
• Rental car insurance (secondary in the U.S.)
• Extended warranty coverage
• Purchase protection
• Trip cancellation and interruption insurance

When you have a Chase card that unlocks the ability to transfer Chase points to hotel and airline partners (like the Chase Sapphire Preferred® Card) , it increases the value of the Freedom Flex. So this isn't only a strong standalone rewards credit card , but it has synergies with other cards.

How to complete a Chase balance transfer

Chase typically charges a balance transfer fee from 3% to 5% with a $5 minimum. Before you complete a balance transfer , be sure the interest you save will outweigh the fee.

There are several ways to do a balance transfer with Chase. One of the best and easiest options is to complete a balance transfer when you apply for a card. When you do this, you'll be able to make the most out of your intro APR because any 0% interest timeframe you qualify for begins when you open the card.

If you want to perform a balance transfer with a Chase card you already have, you'll need to log in to your account and follow these steps:

• Click "Pay & Transfer"
• Then click on the "Transfer" dropdown menu
• Select "Card balance transfers"

You can then select any of your Chase cards from a dropdown menu and see what balance transfer offers are available.

Are Chase balance transfers worth it?

When you make a balance transfer, you'll generally pay a fee of 3% to 5% of the balance. To determine whether a balance transfer is worth it, calculate how much you would save in interest compared to how much you'd pay in transfer fees.

What is one disadvantage of a 0% interest balance transfer card?

Aside from the balance transfer fees, the biggest downside to a balance transfer is you'll have the same amount of credit card debt as before. If you don't have a plan, or the resources, to pay off your debt before the intro APR expires, you'll be stuck paying interest once again.

Do balance transfers hurt your credit?

A balance transfer doesn't directly hurt your credit score and could help improve your credit if you're able to pay down your debt. However, you'll want to keep in mind that your credit score will temporarily dip when you apply for new credit (including a balance transfer card).

Bottom line

The top balance transfer cards Chase issues offer intro APR periods of 15 to 18 months, and these intro APR offers also apply to purchases, making them even more useful. If you're interested in paying less interest , these are some of the best offers available. When you're in credit card debt, your primary focus should be repayment, not earning rewards, but the fact that some of the cards on this list earn rewards is a nice bonus.

Why trust CNBC Select?

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

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine which Chase cards are best for balance transfers, CNBC Select analyzed the Chase credit cards with intro APR balance transfer offers. We compared each card on a range of features, including the annual fee, rewards, welcome bonus and balance transfer fee. We also considered additional perks, consumer protections, the application process when available and how easy it is to redeem rewards. However, when you're in credit card debt, your priority should be repayment, so we focused more on the cards that provide consumers with the cheapest ways to pay off their debt rather than the number of rewards they could potentially earn.

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