Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
A credit card’s travel insurance feature may not sound as exciting as a 100,000-point sign-up bonus or a high earning rate on everyday spending — but when you find yourself in a bind, it can be significantly more valuable.
Here’s everything you need to know about credit card travel insurance, along with the best credit cards offering the most comprehensive coverage.
Compare Credit Cards With Travel Insurance
Best Credit Cards for Trip Delay Insurance
Chase Sapphire Reserve®
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
22.24% – 29.24% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Pros
Annual travel credit can effectively shave $300 off the annual fee if you use it
Strong travel insurance
Strong bonus rewards on travel and dining
Cons
Very high annual fee
Highlights
More Information
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 Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. 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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC
Additional Reading
Read our review
Capital One Venture X Rewards Credit Card
4.85/5
$395
Annual Fee
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Annual Fee
$395
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.74% – 28.74% Variable
Editor’s Rating
4.85/5
4.85 out of
5 Stars
Pros & Cons
Pros
Excellent welcome bonus and miles earning
Premium perks including airport lounge access and statement credits
Visa Infinite benefits including travel and shopping protections
Cons
High annual fee
Annual travel statement credits only apply to Capital One Travel purchases
Highlights
More Information
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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of 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
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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 your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
Additional Reading
Read our review
U.S. Bank Altitude® Reserve Visa Infinite® Card
4.1/5
$400
Annual Fee
Intro offer
50,000 points after you spend $4,500 on purchases in the first 90 days of account opening
Rewards
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards. Earn 3X points for every $1 on eligible travel purchases and mobile wallet. Earn 1X point per $1 spent on all other eligible net purchases.
Learn More
U.S. Bank Altitude® Reserve Visa Infinite® Card
4.1/5
$400
Annual Fee
Intro offer
50,000 points after you spend $4,500 on purchases in the first 90 days of account opening
Rewards
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards. Earn 3X points for every $1 on eligible travel purchases and mobile wallet. Earn 1X point per $1 spent on all other eligible net purchases.
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards. Earn 3X points for every $1 on eligible travel purchases and mobile wallet. Earn 1X point per $1 spent on all other eligible net purchases.
Annual Fee
$400
Intro offer
50,000 points after you spend $4,500 on purchases in the first 90 days of account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.24% – 28.24% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
4.1/5
4.1 out of
5 Stars
Pros & Cons
Pros
Substantial welcome bonus and great earning opportunities, especially with mobile wallets
$325 annual travel and dining credit can offset most of the $400 annual fee
Top-notch travel insurance and protections
Cons
You must have an existing relationship with US Bank to be approved
Limited to a 12-month complimentary Priority Pass membership with only four free visits for cardholder (plus a guest) included
No airline or hotel transfer partners
Highlights
More Information
The information related to the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected by Business Insider and has not been reviewed by the issuer.
Earn 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards
Earn 3X points for every $1 on eligible travel purchases and mobile wallet
Earn 1X point per $1 spent on all other eligible net purchases
Use your mobile device to instantly redeem points for almost any purchase
Additional Reading
Read our review
Best Credit Cards for Rental Car Insurance
Chase Sapphire Reserve®
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
22.24% – 29.24% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Pros
Annual travel credit can effectively shave $300 off the annual fee if you use it
Strong travel insurance
Strong bonus rewards on travel and dining
Cons
Very high annual fee
Highlights
More Information
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 Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. 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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC
Additional Reading
Read our review
Capital One Venture X Rewards Credit Card
4.85/5
$395
Annual Fee
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Annual Fee
$395
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.74% – 28.74% Variable
Editor’s Rating
4.85/5
4.85 out of
5 Stars
Pros & Cons
Pros
Excellent welcome bonus and miles earning
Premium perks including airport lounge access and statement credits
Visa Infinite benefits including travel and shopping protections
Cons
High annual fee
Annual travel statement credits only apply to Capital One Travel purchases
Highlights
More Information
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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of 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
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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 your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
Additional Reading
Read our review
The Platinum Card® from American Express
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$695
Annual Fee
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$695
Annual Fee
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
$695
See Rates and Fees
Show more
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Pros
Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Annual statement credits with Saks and Uber
Cons
Bonus categories leave something to be desired
One of the highest annual fees among premium travel cards
Highlights
More Information
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
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®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Walmart+ members enjoy shopping perks – both online and in-store – at Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month. $12.95 plus applicable taxes. Plus Up Benefits not eligible.
$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 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. Benefit renews annually.
$300 Equinox Credit: Get up to $300 back per calendar year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card®. Enrollment required. Learn more.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.
$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 $50 in statement credits semi-annually for purchases at Saks Fifth Avenue on your Platinum Card®. 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®. Must charge full price of bike in one transaction, and an Equinox+ subscription is required.
Add your Platinum Card® to your Resy profile on the Resy app or website and unlock Global Dining Access by Resy to exclusive tables and events.
$695 annual fee.
Terms Apply.
Additional Reading
Read our review
Best Credit Cards for Trip Cancellation/Interruption Insurance
Chase Sapphire Reserve®
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
22.24% – 29.24% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Pros
Annual travel credit can effectively shave $300 off the annual fee if you use it
Strong travel insurance
Strong bonus rewards on travel and dining
Cons
Very high annual fee
Highlights
More Information
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 Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. 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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC
Additional Reading
Read our review
Capital One Venture X Rewards Credit Card
4.85/5
$395
Annual Fee
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Annual Fee
$395
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.74% – 28.74% Variable
Editor’s Rating
4.85/5
4.85 out of
5 Stars
Pros & Cons
Pros
Excellent welcome bonus and miles earning
Premium perks including airport lounge access and statement credits
Visa Infinite benefits including travel and shopping protections
Cons
High annual fee
Annual travel statement credits only apply to Capital One Travel purchases
Highlights
More Information
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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of 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
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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 your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
Additional Reading
Read our review
Chase Sapphire Preferred® Card
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$95
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$95
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
21.24% – 28.24% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Pros
High intro bonus offer starts you off with lots of points
Strong travel coverage
Cons
Doesn’t offer a Global Entry/TSA PreCheck application fee credit
Highlights
More Information
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 Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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
Additional Reading
Read our review
Best Credit Cards for Lost Luggage Reimbursement
Chase Sapphire Preferred® Card
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$95
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$95
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
21.24% – 28.24% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Pros
High intro bonus offer starts you off with lots of points
Strong travel coverage
Cons
Doesn’t offer a Global Entry/TSA PreCheck application fee credit
Highlights
More Information
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 Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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
Additional Reading
Read our review
Capital One Venture X Rewards Credit Card
4.85/5
$395
Annual Fee
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Annual Fee
$395
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.74% – 28.74% Variable
Editor’s Rating
4.85/5
4.85 out of
5 Stars
Pros & Cons
Pros
Excellent welcome bonus and miles earning
Premium perks including airport lounge access and statement credits
Visa Infinite benefits including travel and shopping protections
Cons
High annual fee
Annual travel statement credits only apply to Capital One Travel purchases
Highlights
More Information
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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of 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
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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 your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
Additional Reading
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U.S. Bank Altitude® Reserve Visa Infinite® Card
4.1/5
$400
Annual Fee
Intro offer
50,000 points after you spend $4,500 on purchases in the first 90 days of account opening
Rewards
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards. Earn 3X points for every $1 on eligible travel purchases and mobile wallet. Earn 1X point per $1 spent on all other eligible net purchases.
Learn More
U.S. Bank Altitude® Reserve Visa Infinite® Card
4.1/5
$400
Annual Fee
Intro offer
50,000 points after you spend $4,500 on purchases in the first 90 days of account opening
Rewards
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards. Earn 3X points for every $1 on eligible travel purchases and mobile wallet. Earn 1X point per $1 spent on all other eligible net purchases.
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards. Earn 3X points for every $1 on eligible travel purchases and mobile wallet. Earn 1X point per $1 spent on all other eligible net purchases.
Annual Fee
$400
Intro offer
50,000 points after you spend $4,500 on purchases in the first 90 days of account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.24% – 28.24% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
4.1/5
4.1 out of
5 Stars
Pros & Cons
Pros
Substantial welcome bonus and great earning opportunities, especially with mobile wallets
$325 annual travel and dining credit can offset most of the $400 annual fee
Top-notch travel insurance and protections
Cons
You must have an existing relationship with US Bank to be approved
Limited to a 12-month complimentary Priority Pass membership with only four free visits for cardholder (plus a guest) included
No airline or hotel transfer partners
Highlights
More Information
The information related to the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected by Business Insider and has not been reviewed by the issuer.
Earn 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening
Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards
Earn 3X points for every $1 on eligible travel purchases and mobile wallet
Earn 1X point per $1 spent on all other eligible net purchases
Use your mobile device to instantly redeem points for almost any purchase
Additional Reading
Read our review
Best Credit Cards for Travel Accident Insurance
Chase Sapphire Reserve®
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
22.24% – 29.24% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Pros
Annual travel credit can effectively shave $300 off the annual fee if you use it
Strong travel insurance
Strong bonus rewards on travel and dining
Cons
Very high annual fee
Highlights
More Information
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 Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. 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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC
Additional Reading
Read our review
Capital One Venture X Rewards Credit Card
4.85/5
$395
Annual Fee
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Annual Fee
$395
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.74% – 28.74% Variable
Editor’s Rating
4.85/5
4.85 out of
5 Stars
Pros & Cons
Pros
Excellent welcome bonus and miles earning
Premium perks including airport lounge access and statement credits
Visa Infinite benefits including travel and shopping protections
Cons
High annual fee
Annual travel statement credits only apply to Capital One Travel purchases
Highlights
More Information
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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of 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
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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 your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
Additional Reading
Read our review
Marriott Bonvoy Bold® Credit Card
3.6/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$0
Annual Fee
Intro offer
50,000 bonus points after you spend $1,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24
Rewards
Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.
Read review
Marriott Bonvoy Bold® Credit Card
3.6/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$0
Annual Fee
Intro offer
50,000 bonus points after you spend $1,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24
Rewards
Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.
The Marriott Bonvoy Bold® Credit Card comes with an increased limited-time welcome bonus and good perks for a no-annual-fee card, but unless paying an annual fee is a dealbreaker for you, other Marriott cards — like the Marriott Bonvoy Boundless® Credit Card , Marriott Bonvoy Brilliant® American Express® Card, or Marriott Bonvoy Business® American Express® Card — are a better deal.
Details
Rewards
Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.
Annual Fee
$0
Intro offer
50,000 bonus points after you spend $1,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.99% – 27.99% Variable
Editor’s Rating
3.6/5
3.6 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Pros
No annual fee
Cardholders get 15 elite night credits toward status
Cons
Only offers strong rewards for Marriott purchases
Highlights
More Information
The information related to the Marriott Bonvoy Bold® Credit Card has been collected by Business Insider and has not been reviewed by the issuer.
Upon account opening, card members can earn 50,000 Marriott Bonvoy bonus points after using their new card to spend $1,000 on eligible purchases in the first six months plus they can earn 50,000 bonus points after they stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24.
Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
1X point for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
No Foreign Transaction Fees.
Earn unlimited Marriott Bonvoy® points and get Free Night Stays faster.
Additional Reading
Read our review
Best Credit Cards for Emergency Evacuation Coverage
The Platinum Card® from American Express
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$695
Annual Fee
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$695
Annual Fee
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
$695
See Rates and Fees
Show more
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Pros
Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Annual statement credits with Saks and Uber
Cons
Bonus categories leave something to be desired
One of the highest annual fees among premium travel cards
Highlights
More Information
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
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®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Walmart+ members enjoy shopping perks – both online and in-store – at Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month. $12.95 plus applicable taxes. Plus Up Benefits not eligible.
$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 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. Benefit renews annually.
$300 Equinox Credit: Get up to $300 back per calendar year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card®. Enrollment required. Learn more.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.
$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 $50 in statement credits semi-annually for purchases at Saks Fifth Avenue on your Platinum Card®. 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®. Must charge full price of bike in one transaction, and an Equinox+ subscription is required.
Add your Platinum Card® to your Resy profile on the Resy app or website and unlock Global Dining Access by Resy to exclusive tables and events.
$695 annual fee.
Terms Apply.
Additional Reading
Read our review
Chase Sapphire Reserve®
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$550
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Show more
Regular Annual Percentage Rate (APR)
22.24% – 29.24% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Pros
Annual travel credit can effectively shave $300 off the annual fee if you use it
Strong travel insurance
Strong bonus rewards on travel and dining
Cons
Very high annual fee
Highlights
More Information
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 Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. 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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Member FDIC
Additional Reading
Read our review
United Club℠ Infinite Card
4.4/5
$525
Annual Fee
Intro offer
80,000 bonus miles plus 1,000 Premier qualifying points after you spend $5,000 on purchases in the first three months your account is open
Rewards
Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.
80,000 bonus miles plus 1,000 Premier qualifying points after you spend $5,000 on purchases in the first three months your account is open
Rewards
Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.
Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.
Annual Fee
$525
Intro offer
80,000 bonus miles plus 1,000 Premier qualifying points after you spend $5,000 on purchases in the first three months your account is open
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.49% – 28.49% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Pros & Cons
Pros
Great intro bonus offer
If you want United Club membership, this card gets you it for less than buying it outright
Get two free checked bags on United
Earns 4x miles on United® purchases
Cons
Steep annual fee, especially for an airline credit card
The non-United bonus categories (travel and dining) only earn 2x miles
Highlights
More Information
Earn 80,000 bonus miles +1,000 Premier qualifying points after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
Earn 2 miles per $1 spent on all other travel
Earn 2 miles per $1 spent on dining including eligible delivery services
Earn 500 Premier qualifying points for every $12K you spend on purchases, up to 8,000 PQP in a calendar year.
Earn 1 mile per $1 spent on all other purchases
Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply.
The Chase Sapphire Reserve® has the most comprehensive travel insurance, covering everything from trip cancellations and interruptions to delayed baggage.
What does credit card travel insurance cover?
Depending on the card, credit card travel insurance may cover non-refundable flights, delays, cancellations, missed connections, lost luggage, an illness that cuts your travel short, and various other misfortunes.
Do most cards offer travel insurance?
Most travel rewards credit cards offer some degree of travel insurance. For example, many American Express cards offer trip cancellation and interruption coverage. But the specifics can vary wildly from card to card. The big exception is Citi, which eliminated most elements of its travel coverage from cards several years ago. Don’t reserve travel with a Citi card if you want any sort of insurance.
If my credit card has travel coverage, do I need to buy additional travel insurance?
If you have one of the credit cards featured in this guide, you may not need an additional travel insurance policy. However, make sure you read the fine print of your credit card’s benefits guides to make sure the travel coverage is sufficient for your needs — and so you don’t have any unpleasant surprises like finding out you aren’t eligible for coverage when it’s too late.
On the other hand, if you want some extra peace of mind, or if there’s a good chance you may cancel your non-refundable trip, it’s worth looking into supplementary travel insurance. Also keep in mind that you may need to purchase travel insurance if you’re traveling for an extended period, since most credit card travel insurance only applies for about a month-long trip.
Read our comparison of credit card benefits versus travel insurance to get a feel for the coverage you need. And if you’re shopping for insurance, be sure to check out our guide to the best travel insurance companies.
Who is covered by credit card travel insurance?
As a general rule, credit card travel insurance applies to the cardholder and the cardholder’s immediate family. Refer to your credit card’s benefits guide for card-specific rules.
What isn’t covered by credit card travel insurance?
Each credit card travel insurance policy is different, so it’s important to look at your specific card’s benefits guide to make sure you know exactly what is and what is not covered. And when in doubt, don’t be afraid to call the card issuer for clarification!
Your credit card travel insurance won’t cover a trip that you don’t purchase with the card, though in some cases paying for a trip in full or in part with that card’s rewards points will qualify you for coverage.
Other areas where potential exclusions could crop up are covered reasons (if your trip is canceled or delayed because decide to change your plans, not because of illness or weather), covered trip length (most credit card travel insurance is capped at a certain amount of time, usually around a month), and covered destination (if you’re traveling to a region where your card’s coverage doesn’t apply).
Best Credit Cards With Trip Delay Insurance
Trip delay insurance covers you (and often family members traveling with you) for expenses like meals, transportation, lodging, medication, and toiletries. For example, if your flight is delayed by more than six hours, your card may reimburse you up to $500 in “reasonable expenses” such as:
An Uber or taxi from the airport to a hotel
A one-night hotel reservation
Dinner at a nearby restaurant
I’ve used this benefit a handful of times, and it’s saved me hundreds. Just note that you must use your qualifying card to pay for your fare — even if that means simply paying taxes and fees on an award flight.
Trip delay insurance applies to more than just flights. You’re eligible for coverage whenever you book a “common carrier” — defined as “any land, water, or air conveyance that operates under a valid license to transport passengers for hire and requires purchasing a ticket before travel begins.” As long as it’s not a taxi, limo, commuter rail, bus, or rental car, you’re likely covered.
Below are the top three credit cards for trip delay insurance. Even if you don’t travel regularly, you should be using one of these cards to reserve your travel, because trip delay insurance will come in handy sooner or later.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is the gold standard of trip delay insurance. After just six hours of delay — or any delay that requires an overnight stay — you’re eligible for up to $500 in covered expenses per ticket. You and those traveling with you (a spouse and dependent children under 22) are covered.
The Chase Sapphire Reserve charges a $550 annual fee, but it also comes with valuable travel benefits such as:
Up to $300 in annual travel statement credits (offsets the first $300 in travel you purchase each year with the card)
Airport lounge access (Priority Pass Select, Chase Sapphire lounges, and the new Chase Sapphire Terrace at Austin airport)
Up to $100 NEXUS, Global Entry, or TSA PreCheck application fee credit
Complimentary two-year Lyft Pink All Access membership
You’ll also earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That’s worth $1,080 in travel, based on Insider’s valuation of Chase Ultimate Rewards points at 1.8 cents each.
Chase Sapphire Reserve Credit Card Review
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is Capital One’s first premium travel credit card. It’s a Visa Infinite card (similar to the Chase Sapphire Reserve®), and benefits from extremely generous trip delay insurance***. You’ll get up to $500 per ticket in covered expenses after a delay of six hours or more. Those eligible for this insurance are your spouse and dependent children under age 22.
The card has a welcome bonus offer of 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. That’s worth $1,275 in travel, based on Insider’s valuation of Capital One miles. In addition, it also comes with travel perks like:
Up to $300 per year in statement credits toward Capital One Travel bookings
Priority Pass, Plaza Premium, and Capital One airport lounge access
10,000-mile bonus each account anniversary
Access to the Capital One Premier Collection luxury hotel booking program
Global Entry or TSA PreCheck application fee credit
Capital One Venture X Rewards Credit Card Review
U.S. Bank Altitude® Reserve Visa Infinite® Card
The U.S. Bank Altitude® Reserve Visa Infinite® Card is another one of the few Visa Infinite cards on the market. As you’d expect, it’s got excellent trip delay insurance. You’ll receive up to $500 per ticket in coverage for expenses like meals and lodging (that aren’t reimbursed by the airline or other “common carrier”) when your trip is delayed more than six hours or requires an overnight stay.
The U.S. Bank Altitude® Reserve Visa Infinite® Card comes with 50,000 points after you spend $4,500 on purchases in the first 90 days of account opening. These points are worth 1.5 cents each when you use them toward travel. That means this bonus is worth $750. You’ll also get benefits like:
Up to $325 in annual travel credits
Up to $100 in statement credits toward Global Entry and TSA PreCheck
Up to 30% discount on Audi on Demand (formerly Silvercar) rentals
U.S. Bank Altitude Reserve Review
Best Credit Cards for Rental Car Insurance
You might already know that most travel rewards credit cards offer some form of rental car insurance. It’s a great benefit because it can save users significant money in the case of damage or theft to your rental. Even by renting a car for just a few days, you could save $50+ by waiving the rental agency’s in-house insurance CDW and instead covering your rental by paying with this card.
Two kinds of rental car insurance come with many popular cards:
Secondary insurance — Offers coverage benefits that are secondary to your personal auto insurance policy. In the event of damage due to theft or collision, car renters still have to file a claim through their personal auto insurance policy, and the secondary insurance is there to cover a portion of leftover costs. So, although this is a nice perk, it doesn’t ease the sting of having to report to your personal insurance — often with resultant premium hikes.
Primary insurance — Coverage for loss or damage will be taken care of by the credit card company without you having to make a claim with your personal policy. In the long run, this could save a car renter significantly on both CDW and LDW, and it could help avoid raising premiums on their personal auto policy.
Primary rental car insurance is what you want. You must pay for the entire transaction with the credit card you’d be filing the insurance under. Some cards even require that renters book the entire trip on the card, so read the fine print carefully.
Primary insurance also generally doesn’t include liability, damage to other cars, damage to personal property, personal bodily injury, or injury to others. See Insider’s guide to liability car insurance for more details on this type of coverage.
Below are the top three credit cards for car rental insurance.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® comes with up to $75,000 for theft and collision for rental cars in the US and abroad.
You’ll be extra motivated to make this card your dedicated car rental payment method because it earns 10 points per dollar for this expense when reserving through the Chase Travel Portal. Insider estimates Chase points value to be 1.8 cents each when used for travel — so earning 10x points equates to an 18% return.
When booking outside the portal, you’ll earn 3 points per dollar for travel including rental cars.
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is another rewards-earning monster when it comes to car rentals. Not only will you receive primary rental car insurance***, but you’ll earn 10 miles per dollar on rental cars booked through the Capital One Travel Portal. You’ll earn 2 miles per dollar for travel booked outside the portal.
The Platinum Card® from American Express
The Platinum Card® from American Express doesn’t offer primary rental car insurance by default. However, you can receive primary premium car rental protection for a flat rate between $15.95 and $24.95 per rental period (not per day). It’s not free like the other insurances on this list, but premium rental car benefits may fit your situation better:
You’ll be covered for up to 42 consecutive days, whereas most other cards won’t allow your rental to exceed 31 consecutive days.
You’re insured for up to $100,000 of primary coverage against damage or theft — a higher number than several other credit cards.
You can enroll your Amex Platinum and automatically be covered whenever you rent a car. You’ll be charged this flat rate whenever you pay for a rental with your card.
This card has a $695 annual fee — but it also offers 80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership. That’s worth $1,440 in travel per Insider’s valuation of Amex points. You’ll also find travel perks such as:
Up to $200 in airline fee credits each calendar year**
Up to $100 in Saks Fifth Avenue credits each calendar year**
Global Entry or TSA PreCheck application fee credit ($100 statement credit every 4 years for a Global Entry application fee or up to $78 statement credit every 4.5 years for TSA PreCheck®)
$189 per year in credits for CLEAR® Plus membership**
Up to $200 in annual credits toward prepaid hotel bookings through Amex Fine Hotels and Resorts or The Hotel Collection (minimum two-night stay)
American Express Platinum Credit Card Review
Best Credit Cards for Trip Cancellation/Interruption Insurance
Trip cancellation/interruption insurance protects you if you’re no longer able to go on a covered trip or your covered trip is interrupted mid-travel for reasons such as:
Illness
Your airline declared bankruptcy and cancels your flight
Injury
One of your immediate family members dies
Weather
There’s a terrorist incident
This coverage will reimburse you for prepaid nonrefundable travel such as airfare, hotel stays, activities, etc. which you can’t use (or finish). Additionally, you may be reimbursed for an unexpected flight back home.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® will reimburse you for up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses like plane tickets, hotel reservations, cruises, etc. Chase states that if your name is embossed on the card, you and your immediate family are all covered under this benefit. That means authorized users can utilize this benefit, as well as the primary cardholder.
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card can reimburse you, your spouse, and your children up to $2,000 each for prepaid, non-refundable travel expenses like plane tickets, hotel bookings, etc. This is a significantly smaller per-person payout than the Chase Sapphire Reserve® — but there doesn’t appear to be a hard cap on how much you can earn.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card offers a trip cancellation/interruption reimbursement of up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses like plane tickets, hotel reservations, and hotels. That’s part of what makes both Chase Sapphire cards excellent options for travel insurance.
The Chase Sapphire Preferred® Card is the single best beginner points credit card. Its annual fee is reasonable at $95 per year, and it manages to offer many similar travel protections as much more expensive credit cards.
In terms of return rates, this card earns:
5 points per dollar on Lyft rides through March 2025
5 points per dollar on all travel purchased through Chase Ultimate Rewards
3 points per dollar on dining, including eligible delivery services, takeout, and dining out
3 points per dollar on select streaming services
3 points per dollar on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
2 points per dollar on other travel
1 point per dollar on everything else
You’ll also receive perks like up to $50 in annual statement credits toward hotel stays booked through Chase and a 10% anniversary point bonus (based on the dollar amount you spend).
The Chase Sapphire Preferred® Card is currently offering a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That’s worth an average of $1,080 in travel, based on Insider’s points and miles valuations.
Chase Sapphire Preferred Card Review
Best Credit Cards for Lost Luggage Reimbursement
If your carry-on or checked baggage goes missing — or if the airline, cruise ship, etc. damages your belongings, this coverage could reimburse you up to a specified amount. Card issuers tend to price your belongings as the lesser of the following:
The original purchase price of your items
The actual cash value of your items when they were lost
The cost to replace those items
You must pay for your trip with an eligible card to be covered. Below are the three best credit cards for lost luggage reimbursement.
Chase Sapphire Preferred® Card
This card will give you up to $3,000 per person if you or an immediate family member check or carry on luggage that is damaged or lost.
Capital One Venture X Rewards Credit Card
If you or an immediate family member’s check or carry-on luggage is damaged or lost, the Capital One Venture X Rewards Credit Card will cover you for the difference between the “value of the amount claimed” and the common carrier’s compensation, up to $3,000 per covered trip.
U.S. Bank Altitude® Reserve Visa Infinite® Card
The U.S. Bank Altitude® Reserve Visa Infinite® Card provides up to $3,000 per person if you or an immediate family member check or carry on luggage that is damaged or lost — again, calculated by the difference between the “value of the amount claimed” and the common carrier’s payment.
Best Credit Cards for Travel Accident Insurance
Ideally, you’ll never find occasion to use any credit card travel insurance. But this is the one to really hope will never come in handy.
Travel accident insurance covers you for things like dismemberment and death during your trip (most commonly, while you’re riding as a passenger in, or entering/exiting, a licensed common carrier like an airplane or a cruise ship). Some of the best cards will pay up to $1 million. The payout you’ll receive depends on the severity of the accident.
Generally, you’ll get 100% of the benefit amount for things like:
Loss of life
Loss of speech and hearing
Loss of speech/hearing and loss of a hand, foot, or sight from one eye
Loss of sight in both eyes
Loss of a combination of any two of a loss of hand, foot, or sight of one eye
You’ll get 50% of the benefit amount for things like:
Loss of one hand
Loss of one foot
Loss of sight in one eye
Loss of speech
Loss of hearing
You may also get 25% of the benefit amount for the loss of a thumb and index finger of the same hand. Credit card benefits vary by product and issuer, so be sure to read all the fine print.
Below are the top three credit cards for travel accident insurance. Remember, you must pay the entire cash portion of your travel with these cards to be covered.
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is one of the few cards that will give you up to $1 million of accidental death or dismemberment coverage under this benefit. That’s double the coverage of most other cards. You’ll get:
$1 million for common carrier travel accident insurance
$100,000 for 24-hour travel accident insurance
If your name is embossed on the card you’ve used to pay for your travel, you and your immediate family are covered.
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is another (rare) card that will cover you for up to $1 million of accidental death or dismemberment insurance.
It does not appear that immediate family traveling with you will receive this benefit — so while the potential payout is the best in the game, you may want to opt for a smaller benefit amount with more widespread coverage.
Marriott Bonvoy Bold® Credit Card
The Marriott Bonvoy Bold® Credit Card incurs no annual fee, yet offers travel accident insurance with some of the best cards on the market. You’ll get up to $500,000 in coverage:
$500,000 for common carrier travel accident insurance
$100,000 for 24-hour travel accident insurance
Through August 10, 2023, this Marriott credit card is offering an elevated welcome bonus of 50,000 bonus points after you spend $1,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24. That’s worth $700, per Insider’s valuation of Marriott points. You’ll also earn:
3x points* at participating Marriott Bonvoy hotels
2x points on other eligible travel purchases
1 point per dollar on all other eligible purchases
Other than that, the card doesn’t offer an immense value proposition — its best benefit is the 15 Marriott elite night credits each calendar year, which can help you to achieve Marriott elite status much more quickly. But if you’re looking for a no-annual-fee travel credit card with insurance, it’s definitely worth a look.
Marriott Bonvoy Bold Credit Card Review
Best Credit Cards for Emergency Evacuation Coverage
If you’re injured or otherwise incapacitated and need to be evacuated, this coverage would reimburse expenses such as:
Any land, water, or air transportation you require
Medical services
Medical supplies that are necessary related to your emergency evacuation
The benefit often requires that you be at least 100 miles from home. Additionally, if you’re hospitalized for a certain period of time (usually more than eight days), the benefit can reimburse a round-trip coach ticket for a friend or relative to come to see you. As ever, benefits vary from card to card.
Below are the three best credit cards for emergency evacuation and transportation coverage.
The Platinum Card® from American Express
The Platinum Card® from American Express covers you, your spouse/domestic partner, and legally dependent children for emergency evacuation and related emergency medical services, no matter how much it costs. Your trip must not exceed 90 days.
If a child under 16 is unaccompanied as a result of the emergency, this benefit will pay for a coach flight to get them home — and even pay for them to be escorted if necessary.
Chase Sapphire Reserve®
This card will cover up to $100,000 for you, your spouse/domestic partner, and/or legally dependent children for emergency evacuation and related emergency medical services. If your name is embossed on the front of the card, you can take full advantage of this perk.
Also, if you die during your trip, you are covered for $1,000 for your remains to be repatriated to your home country.
United Club℠ Infinite Card
The United Club℠ Infinite Card will cover up to $100,000 for you, your spouse/domestic partner, and/or legally dependent children for emergency evacuation and related emergency medical services.
The United Club℠ Infinite Card comes with an annual fee of $525, but that’s easily offset by its ongoing benefits, such as:
Full-fledged United Club membership (worth $650 per year)
Free first and second checked bags on United flights (when you pay any cash portion of your ticket with this card)
Priority boarding on United flights
Premier Access travel services
Global Entry, TSA PreCheck, or NEXUS application fee credit
Complimentary Premier upgrades
Expanded access to United award flights
This card also earns:
4 miles per dollar on eligible United purchases
2 miles per dollar on travel
2 miles per dollar on dining
1 mile per dollar on everything else
United Club Infinite Card Review
Different types of credit card travel insurance coverage
Before we jump into the best credit cards with travel insurance, let’s examine some important definitions. Several types of protections fall under the umbrella of travel insurance:
Trip delay insurance — If your covered trip is delayed by a specified number of hours due to a covered reason, this will cover expenses like meals and lodging (up to a specified maximum).
Baggage delay insurance — This coverage provides reimbursement for essentials like clothes and toiletries if your luggage is delayed on a covered trip.
Trip cancellation/interruption insurance — This protects you if you’re no longer able to go on a covered trip or your covered trip is interrupted mid-travel for reasons such as illness, injury, weather, or a terrorist incident. This is the type of coverage you’d invoke if you needed to adjust your travel plans due to the ongoing coronavirus pandemic.
Lost luggage insurance — If your carry-on or checked baggage goes missing, this coverage could reimburse you up to a specified amount.
Rental car insurance — Many credit cards offer either primary or secondary car rental insurance, so you can waive the coverage offered for an additional fee when you rent a car. With primary car rental insurance, in the event of damage due to theft or collision, your credit card coverage will kick in before your personal insurance. With secondary insurance, the coverage kicks in after whatever other insurance is in place. Note that liability coverage isn’t included in any credit card auto collision damage waiver.
Travel accident insurance — This is the kind of insurance you’ll hopefully never have to use.
Emergency evacuation insurance — If you’re injured or otherwise incapacitated and need to be evacuated, this coverage would reimburse expenses such as a helicopter evacuation.
For these coverages to kick in, you’ll have to pay for your travel with a card that offers trip insurance. In other words, if you book your flight and hotels with a debit card, you won’t be eligible for coverage from your credit card.
On that same note, however, redeeming airline miles or bank points for your travel should not disqualify you from coverage — as long as you pay the taxes and fees with your eligible credit card.
Joseph Hostetler, CEPF
Credit cards reporter
Joseph Hostetler was a credit cards reporter for Insider who also covered helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF). Joseph has more than six years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets.
Angela Fung
Marketing Compliance Manager
Angela Fung is the marketing compliance manager at Personal Finance Insider, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well. The compliance team’s mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
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