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Credit Cards > Reviews

X1 Card 2024 review: An innovative and sleek new card to add to your wallet

Harrison Pierce

Robin Saks Frankel

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

Updated 6:50 a.m. UTC Nov. 14, 2023

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

The X1 Card * The information for the X1 Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. took the industry by storm last fall because of its impressive earnings potential and comprehensive protections. This card could be a welcome addition for almost anyone.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 50+ cards analyzed.
• 8 data points considered.
• 5-step fact-checking process.

X1 Card overview

The X1 Card, the “smartest credit card ever made,” started accepting applications outside the waitlist-only beta program in September 2022. You can now apply and receive a decision instantly or see if you’re pre-approved with no impact on your credit score. 

This card is ideal for those looking to improve their credit score or build a positive credit history, as the issuer places a larger emphasis on income than your credit score itself when reviewing your application. This also means that you might be eligible for a higher credit limit than you are used to, which can bump up your score by decreasing your credit utilization ratio. 

The 17-gram stainless-steel X1 Card comes with valuable benefits and comprehensive protections that make it worthwhile, including auto rental coverage, roadside dispatch, trip interruption reimbursement and cellphone insurance. 

The tiered earning system is a little bit confusing, but in each month, cardholders can earn 2 points per $1 on the first $1,000 in purchases each month, 3 points per $1 on the next $6,500 in purchases in that month, then 2 points per $1 on any remaining monthly purchases. It’s great to see a card offer bonus rewards based on dollar amounts rather than a merchant category, as big spenders often max out those bonus opportunities pretty quickly on other rewards cards.

The only major drawbacks are the lack of a welcome bonus or intro APR period, and the point valuation of $0.01 is a little low. However, this card has no annual fee, so do not let those drawbacks stop you from applying. The card is managed through an app, giving you an added security layer. The X1 appeals to a new generation of cardholders, putting an equal emphasis on aesthetics and quality. 

X1 Card basics

• Annual fee: $0.
• Welcome bonus: None.
• Rewards: 2 points per $1 on the first $1,000 in purchases each month, 3 points per $1 on the next $6,500 in purchases in that month, then 2 points per $1 on any remaining monthly purchases.
• APR: 20.24% to 29.99% variable APR on purchases and balance transfers. There's a balance transfer fee of 2% of the amount of each transfer.
• Other perks and benefits Add up to five authorized users, manage virtual cards directly through the app, comprehensive protections and insurance.
• Does the issuer offer a preapproval tool? Yes.
• Recommended credit score: Fair with high income.

X1 Card other details

X1 card rewards.

The X1 Card provides a significant earning potential for high spenders, but it can be a little bit confusing until you get used to the tiered structure. 

Cardholders can earn 2 points per $1 on the first $1,000 in purchases each month, 3 points per $1 on the next $6,500 in purchases in that month, then 2 points per $1 on any remaining monthly purchases. 

Let’s break down what that might look like. If you are a current cardholder as of March 1 and spend $1,000 on the card by March 5, you will earn 2 points per $1, totaling 2,000 points. Between March 6 and March 25, you spend an additional $6,500, which will earn 3 points per $1 or a total of 19,500 points. Between March 26 and March 31, you spend an additional $500, you will earn 2 points per $1 or 1,000 points. On April 1, your spending resets, and you start earning at 2 points per $1 again. 

In total, spending $8,000 in March on the X1 Card would earn you 22,500 points. 

In addition, if you receive an invitation to refer friends or family to apply for the card, you will receive a mystery reward multiplier upon their approval and activation of their new card. This multiplier gives you and your friend anywhere from 4 points per $1 up to 10 points per $1 on all purchases for up to 30 days. 

Similarly, there are boosts or promotional offers from time to time that allow you to earn points at a higher rate by spending within certain categories on the card. These boosts are unpredictable and can last for a limited number of uses or a limited amount of time, so be sure to take advantage of them if you see them appear in your card’s app. 

You can redeem your points through a statement credit when shopping with various merchants at a set rate of $0.01 per point unless otherwise noted in the app. The categories include tech, fitness, retail, and travel, with popular merchants like Apple, Airbnb, Amazon, and Nike, to name a few. You can also get instant cash back instead of a statement credit, but your rewards rate might be lower. 

X1 Card rewards potential

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in annual expenses they are likely to be able to charge to a credit card or $2,090.58 per month. 

So, for a card that earns 2 points per $1 spent on the first $1,000 in purchases and 3 points per $1 on an additional $6,500 per month, this household would earn 5,270 rewards points each month. This results in a grand total of 63,240 rewards points annually. 

Assuming the household redeems directly with partner merchants at a fixed rate of $0.01 per point, this could equate to $632.60 in rewards each year. 

X1 Card APR

The X1 Visa Card has a 20.24% to 29.99% variable APR on purchases and balance transfers. There's a balance transfer fee of 2% of the amount of each transfer. There is no penalty APR or minimum interest payment associated with the card. Although there is no promotional APR period on purchases or balance transfers, the balance transfer fee is lower than the average 3% to 5% fee charged by many other cards.

X1 Card pros and cons

X1 card pros.

• Unlimited earning potential: There is no cap on just how many points you can earn, so you could quickly accumulate a significant amount of points. 
• No annual, foreign transaction or late fees: Put more money towards purchases when you do not have to worry about fees associated with your card. 
• Extensive benefits and rewards: The X1 Card offers comprehensive insurance, travel, and purchase protection and earns points regardless of category and elevated points for a limited time with the mystery reward multiplier.

X1 Card cons

• No welcome bonus or intro offer: The card would be almost perfect if there was an added welcome bonus or intro APR offer to incentivize new cardholders to apply. 
• You can only redeem with merchant partners: Although there are 40-plus retail partners, you are only eligible to redeem your points with those specific companies, other than redeeming points as a statement credit. This is somewhat restrictive, and partners can change without notice. 

Additional card benefits

Add up to five cardholders so everyone in your family can build credit and earn points with no age restrictions. Each person gets their own card, and you can track spending for each cardholder and set limits to avoid overspending. The first adult authorized user is added for free, and additional adults cost $1.99 per month or $19.99 per year. Adding a cardholder under 18 costs $3.99 a month or $39.99 annually. 

One of the coolest perks of the X1 Card is the ability to manage virtual cards directly through the app. These cards have disposable card numbers which keep your information secure, auto-cancel free trials and let you cancel subscriptions with just one click. This also means you can start spending as soon as you are approved rather than waiting for your physical card to arrive. Within the app, you can quickly find transactions, dispute them if necessary, see your points the minute you spend, and order a replacement card if you lose yours. 

Another benefit of having a comprehensive virtual app is that you can see how much interest you will get charged when you make a payment before it is actually charged. This allows you to make smarter financial decisions and takes the guesswork out of making a payment. 

Apart from those benefits, cardholders also receive:

• Cell phone protection.
• Trip interruption reimbursement.
• Purchase security.
• Auto rental collision damage waiver.
• Extended warranty protection.
• Return protection.
• Zero liability protection.
• Visa Signature concierge service.
• Travel and emergency assistance.
• Roadside dispatch.

The X1 credit card puts a lot into a no-annual-fee card. 

How the X1 Card compares to other rewards cards 

X1 card vs. amex everyday® credit card * the information for the amex everyday® credit card has been collected independently by blueprint. the card details on this page have not been reviewed or provided by the card issuer..

The Amex Everyday has no annual fee, a welcome bonus of 10,000 Membership Rewards points after spending $2,000 on purchases in the first six months of card membership and a 0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18.24% to 29.24% variable. 

This card earns 2 Membership Rewards points per $1 at U.S. supermarkets on up to $6,000 per year (then 1 point), 2 points per $1 on American Express Travel and 1 point per $1 on other purchases. Plus, use the card 20 or more times in a billing period and earn 20% extra points. If you use your card 20 or more times in a billing cycle, you get 20% extra points. 

Although the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a decent card, the X1 Card can offer the ability to earn more points throughout the year.

All information about Amex EveryDay® Credit Card has been collected independently by Blueprint.

X1 Card vs. Apple Card * The information for the Apple Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

An Apple executive that worked on developing the Apple Card left the company to join X1, so it makes sense to compare these two cards. Like the X1, the Apple Card also has no annual, foreign transaction or late fees. Cardholders earn 3% back on Apple and participating partners, 2% when using Apple Pay and 1% on all other purchases.

The Apple Card may also be attainable to those with just fair credit, but the rewards on the Apple Card can be taken as a statement credit or used to make a purchase, making them a far more flexible option. However, the card is only available to iPhone users. If you have another type of phone, the Apple Card is not an option.

X1 Card vs. Chase Sapphire Preferred® Card

If you love to travel and want a card that will give you points that you can transfer to airlines or hotels rather than having to redeem with X1’s merchant partners, look to a card like the Chase Sapphire Preferred . 

Cardholders earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. You also earn a $50 statement credit on hotel stays purchased through Chase Travel. 

The Chase Sapphire Preferred has an annual fee of $95, but its rewards rate plus travel and purchase protection benefits outweigh the costs for many travelers. Right now, you can earn 60,000 points after spending $4,000 on purchases in the first three months of account opening. 

It’s tough to say which of these cards makes more sense, as it greatly depends on your financial goals. Both are worthy cards to have in your wallet and can serve different purposes.

Who is the X1 card best for?

The X1 card is best for those with significant expenses to put on their card each month. It is also ideal for those with a good income but a limited credit history or a lower credit score. This card is also ideal for families that want to teach their children about managing credit from a young age. The X1 could benefit almost anyone but works especially well for these groups. 

Should you get the X1 Card?

The decision to get a new credit card is a personal one that depends on many different factors, like how recently you applied for credit, how many cards you have, if there are any holes in your points and miles strategy, and your financial goals, among others. However, if you are in the market for a new credit card, you should strongly consider the X1 card. All in all, it is a solid choice for anyone that has significant spending each month, as there are not many cards out there that will give you elevated rewards points on $6,500 in purchases each month. 

If you are not completely sold on this card, keep an eye out for the X1+ launching this spring. You can now join the waitlist for this travel-focused card that offers many of the same perks as the X1 with some additional travel perks for a $75 annual fee. 

X1 Card summary

Methodology

Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.

Some of the factors evaluated in selecting the best rewards credit cards included:

• Rewards potential and redemption options.
• Welcome bonuses.
• Travel and shopping benefits.
• Intro APRs.
• Annual fees.

Frequently asked questions (FAQs)

The credit limit is based on your current and future income. This means that you could end up with a higher credit limit on this card than other cards in your wallet if you have a high income.

You can apply for the X1 Card without impacting your credit score. However, the issuer will conduct a hard inquiry if you accept the offer once your application is approved.

Yes, the X1 Card could be a good choice to help build credit. If you have a great income but an average credit score, you will likely be able to get approved for this card. Since the issuer bases its decision for approval on income more than your credit score, you may be granted with a higher-than-expected credit limit. This can reduce your credit utilization ratio, which could bump up your score, but also allows you to demonstrate your ability to make payments on time and responsibly manage your finances.

*The information for the Amex EveryDay® Credit Card, Apple Card and X1 Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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

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

Harrison Pierce is a freelance writer and digital nomad that is passionate about all things personal finance and travel. While traveling full-time, he refined his love for writing and now enjoys working with various brands to tell stories and create meaningful content.

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

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SAN FRANCISCO--( BUSINESS WIRE )--X1, the world’s smartest credit card company and a top 100 credit card issuer in the U.S., today opens the waitlist for X1+ , its newest smart credit card built with travel and premium experiences in mind.

The new smart card will build upon the X1 Card. Like the original X1 Card, X1+ will harness the power of technology to offer smart credit limits, an unparalleled rewards program, and disposable virtual cards that keep your details private and let you take control of your subscriptions.

Worldwide Lounge Access for Flight Delays: X1+ will be the first U.S. Visa credit card to offer complimentary lounge passes worldwide for members and up to 4 additional passengers if a flight is delayed by one hour or more.

On-Demand Lounge Access: X1+ will be the only credit card to enable on-demand lounge pass purchases, so cardholders can access more than 1,000 Priority Lounges.

Exclusive New Design with More Privacy: Built with 17g of stainless steel and laser etching technology, X1+ will come in the classic silver option along with gold and rose gold options exclusive to X1+. Cardholders can choose a metal card with no visible card number or secure information on it. Whether home or abroad, your private information will remain secure if the card is lost.

Even More Travel Rewards: Cardholders automatically earn 4X points on Expedia, Hotels.com and VRBO while continuing to benefit from X1 Card’s rewards program, which includes:

• 2X points on every purchase regardless of category
• 3X points every time you spend $1,000 in a month
• 4X, 5X and even 10X points for every referral who gets a card
• Up to 10X points at leading online stores such as Apple, Nike and Sephora when cardholders shop in the X1 App

Smart Baggage Protection and Enhanced Coverage: If baggage is delayed, cardholders get $100 per day in protection for 3 days. If baggage is lost, cardholders get $3,000 in protection per trip. Trip cancellation coverage is up to $5,000 per person per trip, and the card acts as the primary insurance for domestic and international car rentals. The card also comes with enhanced purchase protection at $10,000/occurrence, including Porch Piracy, with a limit of $50,000 per cardholder.

More travel redemption merchants: Cardholders can redeem points at additional merchants including hotels such as Four Seasons, Intercontinental and Westin and airlines such as Emirates, Hawaiian Airlines and JSX.

Annual Fee: X1+ will come with an affordable annual fee of $75 per year.

Projecting $100 million in annualized revenue for 2023, X1 is the fastest growing challenger credit card company of all time. To apply for X1+ now and learn more about its benefits and rewards, visit x1.co/plus .

X1 is the world’s smartest credit card company. Built with 17g of stainless steel and laser etching technology, the original X1 Card reimagines the credit card from the ground up. It harnesses the power of technology to offer smart credit limits, an unparalleled rewards program, and automated features that will transform the way you shop and spend. Premium card X1+ offers exclusive colors, smart travel features, higher travel rewards and more privacy. X1 is partnered with Visa Signature, allowing cardholders to use its cards at more than 46 million merchants around the world. The company is cofounded by Twitter alums Deepak Rao and Siddharth Batra and backed by FPV Ventures, Spark Capital, Affirm and PayPal co-founder Max Levchin, PayPal founding COO David Sacks, Harrison Metal founder Michael Dearing, former Twitter COO Adam Bain, the former president of American Express, Libra co-creator & Instagram’s former head of product, the CEOs of Box, Yelp, and Y Combinator Continuity, SV Angel and more. To learn more, visit x1.co .

[email protected]

• Is the X1 Card the best credit card for you?

How to earn rewards from the X1 Credit Card

• How to use rewards
• Benefits and features

Fees and costs

• X1 Card vs other cash back credit cards
• Frequently asked questions (FAQ)

X1 credit card review

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: Citi® Double Cash Card, Citi Premier® Card. The details for these products have not been reviewed or provided by the issuer.

The X1 Card is a 17-gram stainless steel points-earning rectangle of power. For a no-annual-fee credit card , you have the potential to earn several hundred dollars worth of points each year from moderate everyday spending thanks to continual promotions through the app that allows you to earn between 4 and 10 points per dollar for common expenses like dining, Amazon purchases, etc.

15.50% - 27.75% Variable

Good to Excellent

• 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. Great return rate
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No hard credit inquiry
• con icon Two crossed lines that form an 'X'. No sign-up bonus
• con icon Two crossed lines that form an 'X'. No airline or hotel transfer partners

X1 Card Overview

Credit card issuers work hard to sire innovation when it comes to earning and redeeming points. It takes a lot nowadays for a rewards program to differentiate itself from the rest.

The $0-annual-fee X1 Card does an admirable job to this end. The way you earn points is fun and interactive, and the redemption process (though far from the best in the world of rewards) is simple and unique.

The card will examine more than just your credit score when considering your application. It will look at your employment income, as well, to decide if you're a good candidate. This means that even if your credit score is less than perfect, you may still be approved for the card (though we regularly recommend nobody with a credit score under 700 consider jumping into the world of rewards credit cards).

The X1 Card leans heavily on its proprietary app, which allows you to earn a considerable bonus on everyday spending with a single tap of your phone. The card earns a minimum of 2 points per dollar on all purchases — but thanks to these in-app "Boosts," you may find yourself earning 4 or 5 points per dollar more often than not.

Points can be redeemed for 1 cent each at qualifying merchants, which include popular stores, airlines, hotel booking platforms, and more. For most cardholders, this card will provide at least 2% back on everything.

The biggest caveat is that redeeming your points for cash (instead of offsetting your purchases through eligible partners) will give you a value of 0.7 cents per point.

Other cards that may suit you in a similar way to the X1 Card are the Citi® Double Cash Card , which earns 1% back on all purchases and 1% back after you pay off your purchase. That amounts to 2% back everywhere. You can redeem your rewards for cash at a rate of 1 cent each, and you can even transfer your points to airline and hotel partners for outsized value if you've also got a card like the Citi Premier® Card .

The X1 Card doesn't come with a welcome bonus. However, if you apply via a referral link from a friend or family member, you'll receive a bonus on all your purchases (between 4 and 10 points per dollar). This bonus lasts between seven and 30 days, depending on the offer you're targeted for (which you won't know until after you apply).

This card gives you an above-average return rate for having a $0 annual fee. You'll earn a flat 2 points per dollar on all purchases. As we'll discuss soon, points are worth a maximum of 1 cent each. That amounts to a 2% return.

One great feature of this card is that it earns rewards  immediately — you don't have to wait until your statement closes. That's uncommon among rewards credit cards.

Now let's talk about a few things you can do to increase your return.

Spend $1,000 in a calendar month

When you spend $1,000 in a calendar month, your earning rate will increase to 3 points per dollar for all purchases that month after the $1,000 spend. There's only one catch: Any spend above $7,500 per month will continue to earn 2 points per dollar.

For example, If you spend $8,500 in a month, you'd earn 23,500 points ($1,000 x 2 points per dollar + $6,500 x 3 points per dollar + $1,000 x 2 points per dollar).

Take advantage of "Boosts"

X1 has an in-app feature called "Boosts," which allows you to earn bonus points for select shopping. Boosts are adjacent to the super popular Amex Offers program in that they are targeted bonuses that only work after you enroll your card into each one.

You can earn 4+ points per dollar when you activate Boosts. Here are some examples of what you might find:

• Earn 5 points per dollar when using Google Pay
• Earn 5 points per dollar on your next restaurant purchase
• Earn 5 points per dollar on your next Uber ride

Boosts have varying terms. For example, some are can be used multiple times for 24 hours, some disappear after a specific number of uses, etc. One consistency for all Boosts is that you can only attach one at a time to your card. The best strategy may be to keep from adding any Boost until you're seconds away from making a qualifying purchase.

Shop from inside the X1 Card app

The card's proprietary app acts as a sort of shopping portal, allowing you to earn bonus points with select online stores. Here are a few examples from the X1 Card's site:

• 10 points per dollar at Warbyparker.com
• 4 points per dollar at Macys.com
• 4 points per dollar at Bedbathandbeyond.com
• 5 points per dollar at Underarmour.com

Whenever you shop online, you should examine the return rate across multiple shopping portals before you make your purchase. Use a site like Cashback Monitor to quickly scan all offers and see if the X1 app is your best option.

Refer a friend

When you refer a friend to the X1 Card, you'll receive an unspecified bonus on all your purchases for the next seven to 30 days — effectively the same type of bonus that your friend will receive by applying through your link. Again, bonuses are between 4 and 10 points per dollar.

How to use X1 Credit Card rewards

There are two ways to use the rewards you earn from the X1 Card:

• Redeem them for cash at a rate of 0.7 cents each
• Offset purchases at popular stores at a rate of 1 cent each

If you can manage to organically spend with qualifying stores (and there are some extremely practical options), you should value these rewards at 1 cent each.

One important note is that you must have enough points to entirely offset whichever purchase you're redeeming against. Partial redemptions are not allowed.

X1 Credit Card benefits and features

Virtual credit card numbers.

One of the best parts of the X1 Card is its ability to instantly manufacture an infinite amount of virtual credit card numbers. You can create different types of credit cards numbers to fit your needs which comes in handy for online spending:

• Standard card — Serves as a simple proxy between your card and the merchant. you can cancel this number at any time.
• Free trial card — This number auto-cancels after 24 hours, allowing you to sign-up for free trials and not worry about forgetting to cancel your membership before the trial ends. If the merchant tries to charge your account after 24 hours, they will receive an error.
• Single-use card — If you're especially paranoid about your spending, you can opt to generate a new virtual credit card number that is only valid for  one transaction. This ensures you can't be double charged for anything.

You can also customize a virtual credit card which can expire at various times and enforce strict transaction limits.

Cell phone protection

When you pay your monthly cell phone bill with the X1 Card, your phone will be covered against damage or theft, up to $500 per claim. You must pay a $50 deductible.

Travel insurances

The X1 Card offers a handful of travel benefits that benefit the casual traveler — a nice bonus considering it's decidedly not a travel credit card. Here's what you'll get:

• Trip cancellation/interruption coverage — If you're not able to take a covered trip — or if the trip is interrupted due to injury, weather, illness, etc. — this card will cover you for up to $2,000 in expenses. 
• Auto rental collision damage waiver — You'll receive secondary auto rental insurance for damage or theft when you waive the rental agency's CDW. This card will cover you for any remaining expenses that your personal auto policy will not.
• Travel and emergency assistance — You'll receive round-the-clock access to concierges which can help you to arrange emergency transportation, medical referrals, etc. when things go awry during your trip.
• Roadside Dispatch — If you get a flat tire, your battery dies, you lock your keys in the car, or even if you run out of gas, you can call a number any time which will help you to arrange for help. You can receive towing, winching, fuel delivery, etc. to help you get back on the road — though much of these services will cost you (they're not all free with the X1 Card).

Purchase insurances

The X1 Card also comes with various coverages when making eligible purchases. It's an excellent card through which to funnel expensive purchases:

• Purchase security — You'll receive coverage against theft or damage for up to 90 days from your purchase date.
• Extended warranty protection — Receive one additional year on eligible US manufacturer's warranties of three years or less.
• Return protection — If you buy something and decide you don't want it, sometimes the merchant will either deny your return request or incur a restocking fee. This card gives you up to $250 in protection if the merchant is being difficult.

Visa Signature Concierge service

Visa Signature Concierge provides help with things like booking travel, making dining reservations, and booking concert and event tickets (accessible 24/7).

The X1 Card is very fee-light. It comes with a $0 annual fee, and it doesn't charge foreign transaction fees or late fees, either.

You'll pay an interest charge whenever you carry a balance month-to-month, and you'll also pay a variable APR for balance transfers.

Compare the X1 Card 

X1 credit card frequently asked questions (faq).

The X1 Card charges a $0 annual fee, meaning there's no risk in giving it a shot to see if it complements your spending habits. With the ability to earn effectively 2% back everywhere (and potentially much more), the card far exceeds the return potential of competing no annual fee credit cards such as the Wells Fargo Active Cash® Card .

Just note that you won't be able to transfer your points to airline and hotel partners, and there are no other ways to get outsized value from your points. They are worth a maximum of 1 cent each.

Those who wanted an X1 Card when it first was announced in 2021 were placed on a waiting list many months long. That is no longer the case — anyone can now apply for the card without queueing to receive it.

The X1 Card looks at more than simply your credit score to approve you. When applying, you must connect the bank account which receives your employment income. X1 will factor this income into its decision as to whether you are a good candidate for the card.

Again, Insider recommends that nobody with a sub-700 credit score opens a rewards card. You'll have the best chance of being approved this way, and you've also likely got a fair history of responsible credit. 

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.

***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

Watch: Sneaky ways credit card companies get you to spend more money

• Main content

1. You can get approved even with a lower credit score

2. the x1 gives a large credit line, 3. the x1’s rewards program gets better the more you spend, 4. the referral bonus isn’t taxable, like most others, 5. the virtual card capability is unmatched, 6. insurance and other protections, how x1 card compares to other cards, our methodology.

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The X1 Card Is Now Available: 6 Innovative Features That Make It Worthwhile

After nearly a year in waitlist-only beta, you can now get approved for the X1 Card instantly.

Jaclyn DeJohn

Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink.

The X1 Card is a unique new credit card that offers innovative features in security, rewards and credit-building features. On Thursday, the X1 Card ended its waitlist program and opened up applications to the public.

The application itself weighs your income more heavily than your credit score, giving those with high incomes and less-than-stellar credit a chance to get approved. The X1 Card claims to give up to “5x the average credit line” of other issuers, which can in turn help  boost your credit score . I was not disappointed when I was granted an unexpectedly high credit limit.

This  metal credit card  runs strictly from a mobile app, where you can generate a number of different virtual online credit card  types to keep your personal information safe when  shopping online . There are a lot of ways to earn rewards boosts, and you can earn up to 4% back on all of your purchases if you strategize well. Put simply, the X1 Card is raising the bar for credit cards.

The X1 Card has the potential to help cardholders boost their  credit score , in large part because approval is based more on income than on credit. While the application does require a credit pull, a hard credit check was only conducted  after  I was approved, though it did request my Social Security number to do a soft pull (which doesn’t affect your  credit score ) before approval. I was approved for the X1 primarily based on my income. 

To verify your income, X1 asks you to log into your bank account where your paychecks are deposited via Plaid, a secure financial data connection service. If you have two-factor authentication turned on with your online bank account, you may have to temporarily disable that feature for Plaid to work, depending on the bank. 

X1 told CNET in December that it grants credit lines up to five times as large as those offered by traditional issuers -- the average credit line granted to successful X1 applicants was $24,300. I was a bit skeptical about this “big credit line” promise, but X1 followed through, granting me a credit line nearly three times what most credit cards typically offer me.

You might be asking why a big credit line even matters, especially since we recommend paying off credit card balances in full each month. The answer is that a larger credit line can boost your creditworthiness. As long as you maintain low balances, the more total credit available to you will lower your credit utilization ratio. Your credit utilization refers to how much credit you have access to versus the debt (or balances) you hold -- and the lower your credit utilization, typically the higher your credit score.

For example, if you have access to $20,000 in credit and have combined balances totaling $4,000, your credit utilization would be 20% ($4,000 divided by $20,000). When you gain access to a higher credit limit, let’s say, another $20,000, your credit utilization drops even lower. For example, having access to $40,000 in credit and carrying that total balance of $4,000 would give you a lower credit utilization of 10%, which is great news for your credit score.

The primary reason I signed up for the X1 was its robust, flat rewards structure. You earn 2x points on all your purchases -- points are worth 1 cent each -- and if you spend $1,000 in a month, you get upgraded to earning 3x points. Earning three points on all purchases is the pillar of top rewards rates, and very few cards offer it. And, the cards that do offer 3% back in rewards on all purchases typically require a much higher spending threshold to unlock those rewards. 

The downside: Redeeming rewards as cash back lessens their value

While you have the opportunity to earn a higher rewards rate than most cards, the X1 may only make sense if you can take advantage of its redemption partnerships. Rewards can be redeemed as a statement credit against your purchases at more than 40 brands -- including Amazon, Costco, Home Depot, Ikea, Airbnb, several airlines, Apple and more -- at a value of 1 cent per point. 

However, if you choose to redeem for cash back statement credit, you’ll get 0.7 cents per point. This system is similar to American Express rewards cards, but the X1’s 1 cent redemption brands cover a wider scope of purchases.

So, if you’re a consistent Amazon or Costco shopper, frequent flyer or can otherwise take advantage of the redemption partners, this may not be an issue. But if you’re hoping to earn rewards as  cash back  and will spend less than $1,000 per month, you might want to turn to other cards. Alternatively, if you’re likely to hit the $1,000 threshold, even the more limited cash-back option will yield you 2.1% back on your purchases -- still a top flat rewards rate.

You can earn additional points -- up to 10x points -- on the “Shop” tab of the app as well. There are about 50 brands where you can earn extra points, including at Apple, Macy’s, Nike, Sephora, H&M, Home Depot, Lowe’s, The North Face and Walmart. You’ll have to shop through the X1 app to have these rewards applied, however. This type of feature is becoming more common with newer credit card companies.

Only some credit cards offer a referral bonus, and X1 is one of them. You can invite as many friends as you want, and if they get the card, you both can earn 4x, 5x or even 10x points on all of your purchases for up to 30 days. This can be more valuable than the typical $100 range for referral bonuses, depending on how much you spend in a month. 

There’s something else that’s special about this referral bonus. While most  credit card referral bonuses are taxable , because this one comes in the form of the potential to earn more points rather than a cash payout, you won’t owe taxes on these referral bonuses. That’s because the IRS considers points a “rebate” rather than income. 

The X1 app allows you to generate a variety of different virtual credit card types, demonstrating better technology than most credit cards offer. Virtual cards are one-time use card numbers meant to keep your real information secure. But X1 takes the virtual card concept a step (or two) further and expands it.

You can employ X1 virtual cards for a variety of reasons. Multiple virtual cards can be used at once, and you can cancel individual ones at any time. Or you can just start off with a virtual card set to auto-cancel after one use or after 24 hours. The virtual cards can be used to sign up  for free trials , so you don’t get charged when a subscription trial ends and you forget to cancel it ahead of time. You can also give a virtual card number to others -- like a babysitter or family member -- for temporary use, and can cancel it at your discretion. 

You can even make separate virtual cards to manage your automatic payments from the app at your discretion. For example, if you needed to cancel an auto payment because you were a little short that month, you could do it all from the X1 app instead of logging in to separate accounts for each payee. 

Some credit cards offer one or two types of courtesy protections, typically focused on an area like travel. But the X1 offers one of the broadest combinations of protections. 

First, it covers your eligible purchases from damage or theft for 90 days via “purchase security,” which may reimburse you up to $1,000 for affected purchases, for up to $10,000 per cardholder. The X1 card will also add an additional year to any eligible warranties on items you buy with the card (including purchases made with virtual cards).

Cell phone protection is a rare but useful offering, too: If you pay your mobile phone bill with your X1 card, your phone is covered for damage or theft in the following month (with a $50 deductible).

It’s also rare for a nontravel card to offer trip interruption or cancellation insurance, as well as an auto rental collision damage waiver, but these perks can help prevent losses from unexpected changes to nonrefundable trips and save you money at the car rental counter.

Citi Double Cash® Card

Wells Fargo Active Cash® Card

After the approval process was completed, I was invited to download the X1 app to start using my card until it arrived via FedEx in about a week’s time. You can track the FedEx shipment right from the app.

In line with the rest of the card’s swanky branding, the app announced the card was being “manufactured” for me (marketing trick or not, it does make you feel important). I was also prompted to add the X1 Card to my phone’s wallet app, which I did for convenience.

While cash back is a more accessible concept, cash back and points both have their strengths and weaknesses. While cash back can be more universally applicable, points are often worth more in value than their cash-back equivalents. Depending on your shopping preferences and plans, you may find points or cash back to be more valuable to you.

After your card application is complete and approved, X1 will ship your card via FedEx. The issuer will send you a tracking email once your card ships. It may take 3-7 business days for your card to arrive after it ships.

CNET reviews credit cards  by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card. 

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

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Find the best credit card for you

The new no-fee x1 card offers higher credit limits and perks that appeal to younger cardholders, select takes a look at the x1 card, dubbed “the smartest credit card ever made.”.

There's a new credit card on the market targeting a younger generation of cardholders who prefer tech-savvy financial products, sleek designs and rewards for their everyday spending.

The X1 Card , unveiled a year ago and backed by tech execs like PayPal co-founder Max Levchin, started with a 350,000-plus person waitlist but has now launched for all U.S. customers. While its 17 grams of stainless steel is a modern addition to anyone's wallet, the card's built-in smart technology helps it stand out as what the company calls "the smartest credit card ever made."

Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly.  Sign-up here .

What makes it so smart? X1's technology allows cardholders to cancel subscription payments in just one click and end free trials automatically with auto-expiring virtual credit card numbers. Cardholders can also get instant notifications on refunds and create virtual cards (disposable card numbers) for one-time use, making it possible to spend anonymously without disclosing your personal information.

The X1 Card also stands out because of its higher credit limits . The issuer looks at an applicant's current and future income to set credit limits and interest rates, rather than basing those factors solely off one's credit score . That means it's more likely a cardholder can get a higher credit limit than they would with any other traditional credit card — up to five times higher, per the company's website .

A higher credit limit means you have a better chance at a lower credit utilization rate (your total balance divided by your overall credit limit), which helps your credit score. And if you want to pay off your balance more frequently than once a month, cardholders can set up autopay on a weekly or biweekly basis.

Below, Select take a closer look at the X1 Card's rewards and fees.

X1 Card rewards

The X1 Card boasts a rewards program that gives unlimited points for every single purchase a cardholder makes. Here is the rewards structure:

• 2X points on every $1 spent
• 3X points every time you spend $1,000 in a month.
• 4X, 5X and even 10X points on every $1 spent for up to a month for every friend you refer. For example, refer and sign up 10 friends and you'll get at least 4X points on every single purchase for up to 10 months (up to 30 days for each friend referral).

Point redemptions are limited to purchases from certain brands, but there are a wide variety of tech, fitness, retail and travel options, including Airbnb, Apple, Asos, Casper, Crate & Barrel, Glossier, Nike, Patagonia, Peloton, REI, Sephora, Supreme, Wayfair and more.

There are also a few travel brands, including airlines like Alaska, American, Delta, JetBlue, Southwest and United, as well as transportation (Zipcar) and accommodations like Hotels.com, Hotel Tonight and Vrbo.

In addition to its smart technology and rewards program, the X1 Card is part of the Visa Signature network, allowing cardholders to use it at more than 46 million merchants around the world.

The X1 Card has no annual fee , no late fees and no foreign transaction fees , so international travelers can use it anywhere in the world that accepts Visa without additional costs.

Variable interest rates from 15.50% -27.75%. The card's balance transfer fee is also particularly low, 2% (most cards charge a 5% transfer fee on balances). There's no introductory 0% APR period on balance transfers or new purchases.

Bottom line

The X1 Card is certainly an interesting option for a new generation of young cardholders. Its smart technology, modern look, strong rewards program and promise of a higher credit limit make the card appealing to those looking for something different.

Plus, the card is an affordable pick. It has no fees whatsoever, interest rates on the lower end and a notably low balance transfer fee.

There are some drawbacks to how you can redeem your rewards with the X1, and some may prefer a credit card that has more flexible redemption offers.

With the no-annual-fee Wells Fargo Active Cash® Card , for example, cardholders earn an unlimited 2% cash rewards on purchases and can redeem as a statement credit toward their credit card balance (see rates and fees ).

Another no-annual-fee card to consider is Chase Freedom Unlimited® , which now offers new cardholders 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! That's 6.5% cash back on travel purchased through Chase Travel, 4.5% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery service), and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Catch up on Select's in-depth coverage of  personal finance ,  tech and tools ,  wellness  and more, and follow us on  Facebook ,  Instagram  and  Twitter  to stay up to date.

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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.

Related Articles

Best travel credit cards for people with bad or fair credit

Best business credit cards for travel

Best cash back credit cards for travel

Best credit cards for rental car insurance

The 9 best credit cards with travel insurance of April 2024

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page .

Many things can go wrong on a trip, so having one of the best credit cards with travel insurance in your wallet can provide invaluable peace of mind. Having protection against unforeseen trip cancellations and delays is an essential part of modern-day travel. It can be incredibly valuable to know that you are protected from the financial loss of travel disruption on your next adventure. 

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

Why Trust Us?

At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content , points valuations and card analysis are entirely our own.

Why you can trust The Points Guy

Since 2010, TPG has been dedicated to helping you make informed credit card and travel decisions. We know that credit card rewards can unlock travel that changes lives, and we strive every day to help our readers achieve their financial and travel goals.

In addition to credit cards expertise, we have a variety of industry experts on our editorial team to help every reader make the best travel decisions available. We believe every redemption matters, whether someone is using points and miles to take a dream trip or looking to save money on holiday travel.

As our team and library of resources has grown, so has our influence in the industry. Our TPG Awards are a badge of honor that winning banks, hotel groups and airlines all wear proudly. Our dedication to producing honest reviews and helpful content for our readers is what allows readers and companies alike to place their trust in us.

• No Annual Fee

Chase Sapphire Preferred® Card

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

Why We Chose It

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners.

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

Pros & Cons

More details, united club℠ infinite card.

• 4X Earn 4 miles per $1 spent on United® purchases
• 2X Earn 2 miles per $1 spent on all other travel and dining
• 1X Earn 1 mile per $1 spent on all other purchases

Only the United Club Infinite Card grants you complimentary United Club lounge membership, worth up to $650 per year. Although this card comes with a steep $525 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $100 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year.

• Earn 4x on United purchases; 2x on travel and dining; 1x on everything else
• United Club℠ membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
• Up to $100 statement credit for Global Entry/TSA Precheck application every four years
• Free first and second checked bags for you and one travel companion on the same reservation
• 25% inflight purchase statement credit
• High $525 annual fee
• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Ink Business Preferred® Credit Card

• 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
• 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees.

• One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
• Access to the Chase Ultimate Rewards portal for points redemption
• Reasonable $95 annual fee
• Bonus categories that are most relevant to business owners: primary car insurance, and perks including cellphone and purchase protection, extended warranty, trip cancellation/interruption insurance, and trip delay reimbursement;
• High spending needed to get 100,000-point sign-up bonus
• No travel perks
• Subject to Chase's 5/24 rule on card applications
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

The Business Platinum Card® from American Express

• 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
• 1.5X Earn 1.5X points on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• 1X 1X points for each dollar you spend on eligible purchases.

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

• Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
• Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
• Gold status at Marriott and Hilton hotels (enrollment required)
• Access to the Fine Hotels & Resorts program and Hotel Collection
• International Airline Program and Cruise Privileges Program
• Steep $695 annual fee
• High spend needed for welcome offer.
• Limited high bonus categories outside of travel
• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $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 the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

The Platinum Card® from American Express

• 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.

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

• The current welcome offer on this card is quite lucrative. TPG values it at 1,600.
• This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $500 in assorted annual statement credits and so much more (enrollment required)
• The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway
• The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
• Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
• The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on 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.

Delta SkyMiles® Reserve American Express Card

• 3X Earn 3X Miles on Delta purchases.
• 1X Earn 1X Miles on all other eligible purchases.

The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

• Statement credit for Global Entry ($100 every 4 years)/TSA PreCheck (up to $85 every 4.5 years)
• Delta SkyClub access when flying Delta. Effective 2/1/25 access will be changing.
• High annual fee of $650
• Lower fee Delta cobranded cards offer superior earning categories
• Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.
• Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve American Express Card design.
• Enjoy complimentary access to the Delta Sky Club® and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• Receive four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
• Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
• Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
• Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
• Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
• Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
• Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
• No Foreign Transaction Fees.
• $650 Annual Fee.
• See Rates & Fees

Chase Sapphire Reserve®

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

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous 3x on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card.

• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
• Access to Chase Ultimate Rewards transfer partners: 10 airline and three hotel programs
• Unlimited 3x on the broad category of travel and dining
• 50% more value when you redeem your points for travel directly through Chase Travel
• Steep initial $550 annual fee
• May not make sense for people that don't travel frequently
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

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Comparing the best credit cards with travel insurance

Frequently asked questions, what card should i use for travel insurance.

The  Amex Platinum’ s 5x for airfare booked directly through airlines or  Amex Travel  is impressive. But the  lack of baggage delay protection  and the  requirement of round-trip travel  for some benefits usually discourages me from using Amex-issued cards for flights.

Instead, I use the  Chase Sapphire Reserve®  when booking flights and other common carrier travel due to its  solid mix of earnings and protections . But, if you can’t quite justify the Chase Sapphire Reserve’s  $550 annual fee , the  Chase Sapphire Preferred® Card  and  Ink Business Preferred® Credit Card  both provide reasonable travel protections for  a sub-$100 annual fee .

Related:  Why the Sapphire Preferred should still be the first rewards card in your wallet

Are credit cards with travel protection worth it?

Credit card travel protections are easy to under-value. However, I’ve gotten thousands of value from credit card travel insurance over the years. As such, I’ll often forgo better earning rates to put airfare and award flight taxes and fees on a card I know provides solid protection. For me, this card is usually the  Chase Sapphire Reserve®  or the  Ink Business Preferred® Credit Card . However, I purchase  independent travel insurance  for select trips when I want additional benefits, such as  cancel or any reason coverage  or non-medical evacuation coverage.

More details on our best credit cards for travel insurance

Many of the  best travel rewards cards  offer travel insurance when you use your card to purchase travel. Although some cards will provide coverage even if you only pay taxes and fees on an award ticket, some cards require you to pay for your entire trip with the card. See the links below for more information on the types of travel insurance offered by select cards and the best cards for each kind of insurance:

• Baggage delay protection
• Lost/damaged baggage protection
• Trip delay reimbursement
• Trip cancellation and interruption protection
• Medical evacuation benefit and travel accident insurance
• Emergency medical and dental benefit (offered by the  Chase Sapphire Reserve )
• Rental car coverage

As you’ll notice in this guide, the types and levels of protection vary significantly across credit cards. And most protections have  exclusions or limitations . So be sure to read the guide to benefits on your card before  assuming something  or  someone will be covered .

Related:  TPG’s comprehensive guide to independent travel insurance — including coronavirus coverage

Now let’s take a closer look at each card to determine how you can use these perks when things go wrong on a trip.

Chase Sapphire Reserve®

Sign-up bonus : Earn 60,000 Chase Ultimate Rewards points  after you spend $4,000 on purchases in the first three months from account opening. Based on  TPG’s valuations , this bonus is worth $1,230.

Rewards : 10x on Lyft rides through March 2025 ; 3x on dining  and  travel ; 1x on everything else

Travel insurance :

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

Annual fee : $550 ($75 for each  authorized user )

The Chase Sapphire Reserve offers 3 Chase Ultimate Rewards points per dollar on all travel purchases. Due to its 6% return and excellent travel protections, the Chase Sapphire Reserve is my go-to card for travel expenses. Plus, the Chase Sapphire Reserve provides protections on award tickets even when I only charge the award’s taxes and fees to the card .

To learn more, check out the full  Chase Sapphire Reserve credit card review  and  guide to benefits . If you decide to apply, here’s the official application link:  Chase Sapphire Reserve .

Related:  The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

Chase Sapphire Preferred ® Card

Sign-up bonus : Earn 60,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening. Based on TPG’s valuations , this bonus is worth $1,230.

Rewards : 5x total points on all travel purchased through Chase Travel, 3x points on dining, including eligible delivery services, takeout and dining out, 3x points on select streaming services, 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs), 2x points on all other travel, 1x point on all other purchases

• Baggage delay : Up to $100 reimbursed per day for up to five days if a common carrier delays your baggage more than six hours
• Trip delay reimbursement : Up to $500 per ticket if you’re delayed more than 12 hours or require an overnight stay
• Travel accident insurance : Accidental death or dismemberment coverage of up to $100,000 (up to $500,000 for common carrier travel)
• Rental car coverage :  Primary coverage  for damages caused by theft or collision up to the actual cash value of most rented cars on rentals of 31 days or less

Annual fee : $95

The  Chase Sapphire Preferred  is one of the  best travel rewards credit cards for the average traveler . Although a 4% return on travel purchases (not booked through the Chase portal) isn’t fantastic, it’s still respectable considering the card’s modest $95 annual fee and travel protections. As with the Chase Sapphire Reserve , you’ll get coverage on award tickets even when you only use your Chase Sapphire Preferred to pay the taxes and fees.

To learn more, check out our  Chase Sapphire Preferred review  and the complete  guide to benefits . And here’s the official application link:  Chase Sapphire Preferred Card .

Related: Five reasons why the Chase Sapphire Preferred should be your first card

Sign-up bonus : Earn 100,000  Chase Ultimate Rewards points after you spend $8,000 on purchases in the first three months from account opening. Based on  TPG’s valuations , this bonus is worth $2,050.

Rewards : 3x on the first $150,000 spent each account year in combined purchases on travel, shipping purchases, internet, cable and phone services and advertising purchases with social media sites and search engines; 1x on everything else

• Trip cancellation and interruption protection : Up to $5,000 per person and $10,000 per trip for pre-paid, non-refundable travel expenses
• Rental car coverage : Primary coverage (except when renting for personal reasons in your country of residence, in which case coverage is secondary) for damages caused by theft or collision up to the actual cash value of most rented cars on rentals of 31 days or less

The Ink Business Preferred is one of the  best business travel rewards cards  on the market. It earns a  6% return on the first $150,000 spent in select categories , which is excellent considering the card’s $95 annual fee and travel protections. As with other  Chase cards , you’ll be protected on award tickets as long as you use your Ink Business Preferred to pay the taxes and fees.

To learn more, check out the full  Ink Business Preferred Credit Card review . And here’s the official application link:  Ink Business Preferred Credit Card .

Related: Five reasons to get the Chase Ink Business Preferred credit card

Sign-up bonus : Earn 80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening. Based on TPG’s valuations , this bonus is worth $1,120.

Rewards : 4x on purchases with United ; 2x at restaurants (including eligible delivery services), and on other travel; 1x on everything else

• Baggage delay : Up to $100 reimbursed per day for up to three days if a common carrier delays your baggage more than six hours
• Rental car coverage : Primary coverage for damages caused by theft or collision up to the actual cash value of most rented cars on rentals of 31 days or less

Annual fee : $525

The  United Club Infinite Card provides decent travel protections, a 5.8% return on purchases with United and a United Club membership . But, its 2.9% return on other travel purchases and 1.45% return on all other purchases means you’ll earn rewards slowly. As with other Chase-issued cards, you’ll be protected on award tickets even when you only use your United Club Infinite Card to pay the taxes and fees.

To learn more, check out the full  United Club Infinite Card review . And here’s the official application link:  United Club Infinite Card .

Related:  Best ways to use the United Club Infinite Card

The Platinum Card from American Express

Welcome offer : Earn 80,000 points after you spend $8,000 on purchases on the card in the first six months of card membership. Based on TPG’s valuations , the 80,000-point bonus is worth $1,600. However, you may be able to snag an targeted offer up to 125,000-point offer  through the CardMatch tool (offer subject to change at any time).

Rewards : 5x on flights booked directly with airlines or with Amex Travel (on up to $500,000 per calendar year); 5x on prepaid hotels  booked with Amex Travel ; 1x on other purchases

• Lost/damaged baggage : 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. Note that you must pay the entire fare with your card (including Pay with Points ).
• Trip delay reimbursement : Up to $500 per covered trip that is delayed and up to two claims per 12-month period per card if a common carrier delays you by more than six hours. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered).
• Trip cancellation and interruption protection : Up to $10,000 per covered trip and $20,000 per eligible card per 12-month period for prepaid, non-refundable travel expenses. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered).
• Rental car coverage : Get secondary coverage of up to $75,000 for damages caused by theft or collision on rentals of 30 days or less when you pay for the entire rental with an eligible card (including Pay with Points). You can pay per rental to upgrade to primary coverage through the  American Express Premium Car Rental Protection program . This does not include liability coverage. Not all vehicles 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.
• Eligibility and Benefit level varies by card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.

Annual fee : $695 ($195 for additional Platinum cards , see rates and fees )

The Amex Platinum provides an impressive 5x on flights booked directly with airlines or through Amex Travel (up to $500,000 per calendar year). It also offers 5x for prepaid hotels booked through Amex Travel. So, using TPG’s latest valuations , you’ll get a 10% return on these purchases. But even with a 10% return on select airfare purchases, I still don’t use the Amex Platinum to book flights . Instead, I use the Amex Platinum primarily as a membership card since the Chase Sapphire Reserve’s travel protections provide better coverage for my travel style.

To learn more, check out our  Platinum Card from American Express card review  and take a look at the  terms and conditions  of each benefit. Here’s the official application link:  The Platinum Card from American Express . But, you may also want to check the  CardMatch Tool  to see if Amex has targeted you for a different offer. However, CardMatch offers are subject to change at any time.

Related:  Comparing built-in travel insurance with the Chase Sapphire Reserve and Amex Platinum

The Business Platinum Card from American Express

Welcome offer : Earn 150,000 Membership Rewards points after you spend $20,000 on eligible purchases with your card within the first three months of card membership. Based on TPG’s valuations , the 150,000-point bonus is worth $3,000.

Rewards : 5x on flights and prepaid hotels booked through Amex Travel ; 1.5x on each eligible purchase  in select business categories ,as well as on each purchase of $5,000 or more (up to $2 million per calendar year); 1x on other eligible purchases

• Trip delay reimbursement : Up to $500 per covered trip that is delayed and up to two claims per 12-month period per card if a common carrier delays you by more than six hours. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered). Underwritten by New Hampshire Insurance Company, an AIG Company.
• Trip cancellation and interruption protection : Up to $10,000 per covered trip and $20,000 per eligible card per 12-month period for prepaid, non-refundable travel expenses. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered). Underwritten by New Hampshire Insurance Company, an AIG Company.

Annual fee : $695 (see rates and fees )

The  Amex Business Platinum provides an impressive 5x on flights and prepaid hotels booked through  Amex Travel . Based on  TPG’s latest valuations , this means you’ll get a 10% return on these purchases. But, if you don’t want to book through Amex Travel and would prefer to earn bonus points on a wide variety of business expenses, you may be better off with the  Ink Business Preferred Credit Card .

To learn more, check out our  Business Platinum Card from American Express card review  and take a look at the  terms and conditions  of each benefit. And here’s the official application link:  The Business Platinum Card from American Express .

Related:  Why you should consider having both the personal and business Amex Platinum cards

Delta SkyMiles Reserve American Express Card

Welcome offer : Earn 60,000 bonus miles after you spend $5,000 in purchases on your new card in your first six months.

Rewards : 3x on purchases made directly with Delta; 1x on all other eligible purchases.

• Lost/damaged baggage: 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.
• Trip delay reimbursement : Up to $500 per covered trip and up to two claims per 12-month period per card if a common carrier delays you more than six hours. Coverage only provided on round-trip travel purchased entirely with an eligible card (paying taxes and fees on award tickets or Pay with Points tickets is covered). Underwritten by New Hampshire Insurance Company, an AIG Company.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Annual fee : $650 (see rates and fees )

The  Delta Reserve Amex  provides a 3.3% return on purchases made directly with Delta as well as travel protections that can protect you on eligible round-trips. I’d personally use the  Chase Sapphire Reserve ,  Chase Sapphire Preferred  or  Ink Business Preferred Credit Card  instead of the Delta Reserve when buying flights. But the Delta Reserve offers decent travel protections if you don’t have any of these Chase-issued cards or want to  earn Delta miles .

To learn more, check out the full  Delta SkyMiles Reserve American Express Card review  and take a look at the  terms and conditions  of each benefit. And here’s the official application link:  Delta SkyMiles Reserve American Express Card .

Related:  Choosing the best credit cards for Delta flyers

Bank of America Premium Rewards credit card

Sign-up bonus : Earn 60,000 points after you spend $4,000 on purchases in the first 90 days from account opening. This bonus is worth $600.

Rewards : 2 points per $1 on travel and dining and 1.5 points per $1 on all other purchases.

• Trip delay reimbursement : Up to $500 per ticket for unexpected trip delays of more than 12 hours
• Trip cancellation and interruption protection : Up to $2,500 per person, per trip for unused pre-paid, non-refundable travel expenses
• Baggage delay : Up to $100 reimbursed per day for up to five days for baggage delays of more than six hours
• Lost luggage reimbursement : Provides coverage for luggage and its contents if they are lost or stolen due to theft or misdirection by your common carrier
• Emergency evacuation and transportation coverage : Covers eligible medical services 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.
• Rental car coverage : Get secondary coverage for damages caused by theft or collision.

The  Bank of America Premium Rewards credit card  offers solid value in exchange for its $95 annual fee. For example, you’ll get an up to  $100 Global Entry/TSA Precheck application fee credit  every four years and an  annual up to $100 airline incidental fee statement credit .

But, this card is ideal for  Bank of America Preferred Rewards®  members. After all, these members can earn between 25%-75% more points on their purchases. That means the card’s 2x earnings on travel and dining could increase up to 3.5 points per dollar. Meanwhile, the 1.5x earnings on all other purchases could rise as high as 2.625 points per dollar.

To learn more, check out our  Bank of America Premium Rewards Visa Credit Card review .

Related: Five reasons to get the Bank of America Premium Rewards credit card

U.S. Bank Altitude Reserve Visa Infinite Card

Sign-up bonus : Earn 50,000 points after you spend $4,500 in the first 90 days of account opening. These points are worth $750 when redeemed to offset eligible travel purchases. However, this card is only available to U.S. Bank customers who have an eligible U.S. Bank account relationship open and active at least five business days before applying.

Rewards : 5x on prepaid hotels and car rentals booked directly in the Altitude Rewards Center; 3x on eligible travel purchases and mobile wallet spending; 1x on other purchases

• Trip delay reimbursement : Up to $500 per ticket purchased with your card if you’re delayed more than six hours or require an overnight stay
• Trip cancellation and interruption protection : Up to $2,000 per person, but only to cover non-refundable common carrier tickets
• Lost baggage reimbursement : Up to $3,000 per trip (up to $2,000 per bag for New York residents) if your checked or carry-on bag (or its contents) is lost due to theft or misdirection by a common carrier
• Travel accident insurance : Up to $500,000 of accidental death and dismemberment coverage when you use your card to purchase a ticket for eligible forms of transportation
• Rental car coverage : Primary coverage for physical damage and theft, reasonable and customary towing and valid loss-of-use charges

Annual fee : $400

The  U.S. Bank Altitude Reserve Visa Infinite Card  can be an excellent choice for daily spending and  travel purchases , especially if the merchants you shop with accept  mobile wallet payments . But the card doesn’t include baggage delay protection and the trip cancellation and interruption protection only covers common carrier tickets. However, the Altitude Reserve provides a solid alternative to those who  can’t get accepted for a Chase card .

For more information, check out our  U.S. Bank Altitude Reserve Visa Infinite Card review .

The information for the U.S. Bank Altitude Visa Infinite card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related:  What credit score is needed for a U.S. Bank Card?

Main benefits of having a credit card with travel insurance

There are multiple benefits to having a credit card that provides travel insurance when you pay for eligible travel expenses with your card. The main advantage is simplicity: I don’t need to research  independent travel insurance  unless I’m going on a trip for which my credit card’s travel insurance  doesn’t provide the level of coverage I want .

Having a credit card with travel insurance can also save you money. My sister-in-law paid more than $100 to buy theft and collision insurance from a  car rental company . After that experience, she finally got the  Chase Sapphire Preferred  to obtain similar coverage as a card perk. Now, she can recoup her annual fee even if she just rents a car a couple of times each year.

Finally, having a credit card with travel insurance provides reassurance. I don’t need to worry if bad weather causes a flight cancellation and strands me overnight since I know my card will provide  trip delay protection . And, I’m almost happy when the airline temporarily misplaces my checked bag for a few days, as my card’s  baggage delay insurance  means I can purchase some essential clothing items while I wait.

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

How to submit a claim

If you’re in a situation where you believe you may be eligible for your credit card’s travel insurance, your first step should be to read your card’s guide to benefits or call the number on the back of your card. Even if you believe you’ll be covered after reading your card’s guide to benefits, it is usually a good idea to call the number on the back of your card. By calling, you can ensure you’re covered, learn about deadlines for making your claim and determine what documents you’ll need to collect.

The benefits administrator will usually walk you through the necessary steps for making your claim. Luckily, many card issuers now allow you to file claims online, so you may not need to send in physical documents. Be sure to pay attention to any deadline for starting your claim and uploading documents, as well as any specific requirements for requested documentation.

Related:  Your guide to Chase’s trip insurance coverage

For rates and fees of the Amex Platinum, please click  here . For rates and fees of the Amex Business Platinum, please click  here . For rates and fees of the Delta Reserve Amex, please click  here .

Featured photo of the Beachfront Villa, Residence Terrace at The Ocean Club, A Four Seasons Resort. (Photo courtesy of Four Seasons)

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10 Credit Cards That Provide Travel Insurance

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

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

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

» Learn more: The best travel credit cards right now

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

What does your travel insurance cover?

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

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

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

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

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

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

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

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

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

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

» Learn more: Should you insure your cruise?

Popular credit cards with travel insurance

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

1. Chase Sapphire Reserve®

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

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

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

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

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

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

Rental car insurance: Up to $75,000.

2. Chase Sapphire Preferred® Card

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

Travel accident: Up to $500,000.

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

3. Marriott Bonvoy Brilliant® American Express® Card

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

Travel accident insurance. Up to $500,000.

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

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

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

4. Marriott Bonvoy Boundless® Credit Card

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

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

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

5. Southwest Rapid Rewards® Plus Credit Card

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

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

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

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

6. United℠ Explorer Card

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

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

Rental car insurance: Covers damage or theft with restrictions.

7. Delta SkyMiles® Gold American Express Card

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

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

Rental car insurance: Up to $50,000.

Terms apply.

8. The Platinum Card® from American Express

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

9. Capital One Venture Rewards Credit Card

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

Travel accident insurance: Up to $250,000.

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

10. Hilton Honors American Express Aspire Card

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

Do I need additional travel insurance?

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

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

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

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

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

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

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

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

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

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

» Learn more: Does trip insurance cover award flights?

Cards with travel insurance, recapped

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

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

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

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

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

OPEN THE X1 APP

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• Capital One Venture X

Full List of Travel Insurance Benefits for the Capital One Venture X Card [2023]

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Primary car rental loss and damage insurance, trip cancellation and trip interruption insurance, trip delay reimbursement, lost luggage reimbursement, travel and emergency assistance services, travel accident insurance, filing a claim, final thoughts.

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The Capital One Venture X Rewards Credit Card is one of the hottest in today’s ultra-premium market, and even though Capital One is a new entrant into the ultra-premium niche, it did an incredible job with this card. The card boasts thousands of dollars of value every year for the discerning traveler, streamlined bonus rewards, and access to an attractive points landscape in Capital One Miles.

This card doesn’t just stop at lounge access and travel credits — its benefits extend all the way to high-quality travel insurance perks. Unfortunately, learning about the travel insurance offered by the Capital One Venture X card is easier said than done. This is made even more complicated by the fact that insurance policies are some of the most difficult topics to read about.

So in this guide, our goal is to demystify the travel insurance benefits and coverage offered by the Capital One Venture X card. This guide will cover everything from primary rental car insurance to travel accident insurance.

Let’s get right into it!

For you to better understand the card’s coverage, it’s important to have a little background on the card. We’ve detailed the benefits, welcome bonus, and annual fee for the Capital One Venture X card below:

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $300 annual travel credit on bookings made through Capital One Travel
• Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• 10,000 bonus miles awarded on your account anniversary each year
• Global Entry or TSA PreCheck credit
• Add authorized users for no additional annual fee ( rates & fees )
• No foreign transaction fees ( rates & fees )
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck ®

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• APR: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None

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• Benefits of the Capital One Venture X Card
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• Capital One Venture X Credit Score and Approval Odds
• Capital One Venture X Lounge Access
• Capital One Venture X Travel Insurance Benefits
• Capital One Venture vs Venture X
• Capital One Venture X vs Amex Platinum
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One of the pillars of travel insurance is coverage for your rental car. Indeed, this is one of the most important areas to pay close attention to. Why? Coverages vary wildly — and you might not actually be getting the coverage you’re expecting. If something unexpected happens while you’re renting, you could be liable for thousands of dollars worth of damages.

The Capital One Venture X card confers excellent primary rental car coverage (in contrast to secondary rental car coverage). When renting a car for a period of 15 consecutive days in your country of residence or 31 days outside your country of residence, you can get coverage. Countries excluded are Israel, Jamaica, the Republic of Ireland, and Northern Ireland.

Some exclusions apply, including expensive, exotic, and antique cars, cargo vans, certain vans, vehicles with an open cargo bed, trucks, motorcycles, mopeds, motorbikes, limousines, and recreational vehicles.

In order to utilize this coverage, you have to decline the rental car company’s collision damage waiver (CDW), also sometimes referred to as the loss damage waiver (LDW), and pay for the entire rental car using your Capital One Venture X card .

To file a claim, you need to immediately call the benefits administrator at 800-825-4062 (outside the U.S., call collect at 804-965-8071).

You’ll need to provide:

• A copy of the accident report form
• A copy of the initial and final auto rental agreements (front and back)
• A copy of the repair estimate and itemized repair bill
• 2 photographs of the damaged vehicle, if available
• A police report, if obtainable
• A copy of the demand letter that indicates the costs you are responsible for and any amounts that have been paid toward the claim

Be sure to complete and sign the claim form that the benefits administrator provides and postmark it within 90 days of the theft or damage date, even if all of the other required documentation isn’t yet available.

You’ll want to also submit a copy of your billing statement showing that the entire car rental was booked with the Capital One Venture X card.

One of the core pillars of travel insurance is trip cancellation and interruption insurance.

If your upcoming travel plans are disrupted or canceled, there could be potentially huge financial implications. For example, if your airline becomes insolvent, and you have to cancel your vacation because of that, you’ll want to leverage your trip cancellation and interruption insurance, which typically covers unexpected events.

You can even use this coverage while you’re in the middle of your trip — it specifically relates to travel on “common carriers.” Common carriers are generally any model of transportation by land, water, or air operating for hire under a license to carry passengers for which a ticket must be purchased prior to travel.

The most applicable common carrier travel would likely be airfare, and the Capital One Venture X card covers up each insured person, so long as you charge the entire cost to that credit card. Your spouse and dependent children are generally eligible for coverage, as long as their trips are paid for on the credit card, too.

You’re generally covered if the interruption or cancellation is from the death of a family member (as well as accidental bodily injury, disease, or physical illness) or financial insolvency of the common carrier.

Exclusions to this insurance include any preexisting conditions, injuries arising from participation in professional sports events, cosmetic surgery, suicide, declared or undeclared war, and more.

Trip delays are one of those unexpected annoyances that happen to travelers sooner or later.

Luckily, the Capital One Venture X card covers trip delay reimbursement for every purchased ticket on your card, so long as your trip is delayed for more than 6 hours or requires an overnight stay .

You can have up to 1 claim per trip only, and you need to purchase at least a portion of the common carrier fare using your credit card . You don’t need to purchase the entire fare using your credit card — award ticket taxes and fees count, too!

You, your spouse, and your dependent children under 22 years old are generally covered as long as all of their trip was purchased using the same Capital One Venture X card.

Ever wondered what happened to your luggage, only to find out that, just like a nightmare in a scary movie, the airline has lost your luggage?

Worry no further because you can use the Capital One Venture X card’s lost luggage reimbursement coverage to recover costs.

Technically, the coverage is for the difference between the claimed value and whatever the common carrier has reimbursed you already. If the common carrier hasn’t reimbursed you at all, you should be covered for the complete value of the baggage and its contents.

You and all of your immediate family members are covered, as long as you purchase a portion of the covered trip with your Capital One Venture X card; this includes award ticket taxes and fees.

The Capital One Venture X has a suite of travel and emergency assistance services that can connect you to local emergency and assistance resources 24/7, 365 days a year.

Remember, travel and emergency assistance services provide assistance and referral only; the cost of any services or goods provided is your responsibility and is not covered.

Some specific services include:

• Emergency Message Service — Record and relay emergency messages for travelers or their immediate family members
• Medical Referral Assistance — Provides medical referral, monitoring, and follow-up
• Legal Referral Assistance — Arranges contact with English-speaking attorneys and U.S. embassies and consulates if you’re detained by local authorities, have a car accident, or need legal assistance
• Emergency Transportation Assistance — Helps make all necessary arrangements for emergency transportation home or to the nearest medical facility
• Emergency Ticket Replacement — Helps you through your carrier’s lost ticket reimbursement process and assists in the delivery of a replacement ticket
• Lost Luggage Locator Service — Can help you through a common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage
• Emergency Translation Services — Provides telephone assistance in all major languages and helps find local interpreters
• Prescription Assistance and Valuable Document Delivery Arrangements — Helps you fill or replace prescriptions and transport critical documents that you may have left at home or elsewhere
• Pre-trip Assistance — Gives you information on your destination before you leave, like ATM locations, currency exchange rates, and more

In general, the primary cardholder, spouse, and all dependent children under 22 are eligible to use these services.

Terms, conditions, and exclusions apply. Refer to your guide to benefits for details. Some of these benefits are provided by Visa or Mastercard and may vary by product and depends on the level of benefits you get at application.

As a Capital One Venture X cardholder, you are automatically insured against accidental loss of life, limb, sight, speech, or hearing while riding as a passenger in, entering, or exiting any licensed common carrier, as long as the entire cost of your fare has been charged to your Capital One Venture X card.

Exclusions include taxes, as well as bus, train, airport limousine, and courtesy transportation. Note that 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 the time of application

The exact process for filing a claim may vary depending on which coverage you’re trying to use, but the general process is usually the same:

• Notify your benefits administrator as soon as you possibly can about your covered event.
• Provide any preliminary claim information to the benefits administrator.
• The benefits administrator will send a more complete claim form to fill out, as well as a list of documentation required.
• Submit the claims and wait to receive the reimbursement you’re eligible for.
• Follow up with the benefits administrator as needed.

The exact documentation you’ll need to collect will vary — for example, if you want to file for a car rental-related reimbursement, you’ll likely need to furnish items like your rental car agreement.

On the other hand, if you’re applying for trip cancellation or interruption coverage, you’ll need to provide the confirmation of the nonrefundable tickets on the common carrier.

In general, all claim forms must be submitted within 90 days of the covered event, even if all of the supporting documentation isn’t yet available.

Hot Tip: Keep as much documentation as possible, including receipts, police reports, email communications from third parties, and more. 

The Capital One Venture X card has some of the best travel insurance a credit card can offer. This is on top of the other benefits you get, such as unlimited Capital One Lounge access , up to $300 Capital One Travel credit every cardmember anniversary year, cell phone insurance , and so much more.

In particular, the primary rental car insurance rivals the best that ultra-premium credit cards offer.

Although this card doesn’t have baggage delay coverage, emergency medical and dental coverage, or emergency medical transport and evacuation insurance, it has most of the features travelers are looking for.

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.

Frequently Asked Questions

Does the capital one venture x rewards credit card include travel insurance.

Yes! The Capital One Venture X card offers a suite of travel insurance perks, like primary rental car coverage, trip cancellation and interruption coverage, lost luggage reimbursement, and travel accident insurance.

Is it worth it to get trip insurance?

In most cases, it’s worth it to get trip insurance, especially in an era of COVID-19 complications. However, the Capital One Venture X card may provide most of what you’re looking for, for free!

How does travel insurance work for trip cancellation?

If your trip is cancelled or interrupted due to covered reasons (including death, accidental bodily injury, or physical illness of yourself or an immediate family member) or default of the common carrier resulting from financial insolvency, you can submit a claim for trip cancellation and interruption reimbursement.

You’ll want to provide a claim notice to a plan administrator, follow any instructions to provide evidence, fill out the required forms, and submit all of the documentation.

What is not covered by travel insurance?

In general, travel insurance excludes epidemics and pandemics, as well as any voluntary changes/events that occur. Additionally, there is a list of exclusions for each travel insurance benefit in your benefits guide.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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