The Best Credit Cards With Travel Insurance in 2024

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

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

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

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

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

Compare Credit Cards With Travel Insurance

Best Credit Cards for Trip Delay Insurance

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

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A five pointed star

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

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 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, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Perks Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights and vacation rentals booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals 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
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

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

Best Credit Cards for Rental Car Insurance

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

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

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 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, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Perks Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights and vacation rentals booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals 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
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

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A five pointed star

Perks Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 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.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.

Best Credit Cards for Trip Cancellation/Interruption Insurance

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

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

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 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, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Perks Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights and vacation rentals booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals 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
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

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

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Best Credit Cards for Lost Luggage Reimbursement

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

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

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Perks Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights and vacation rentals booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals 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
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

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

Best Credit Cards for Travel Accident Insurance

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

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

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 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, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Perks Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights and vacation rentals booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals 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
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Perks 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 at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services. Earn 1X point for every $1 spent on all other purchases.

60,000 bonus points and one free award night after you spend $2,000 on purchases in the first three months from account opening

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

Best Credit Cards for Emergency Evacuation Coverage

Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Perks Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

con icon Two crossed lines that form an 'X'.

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

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 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.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.

Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.

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

60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 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, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

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Perks 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.

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

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

• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
• Member FDIC

Best Credit Cards With Trip Delay Insurance

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

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

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

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

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

Chase Sapphire Reserve®

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

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

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

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

Capital One Venture X Rewards Credit Card

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

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

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

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

Best Credit Cards for Rental Car Insurance

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

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

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

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

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

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

Chase Sapphire Reserve®

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

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

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

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 cards.

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

This card has a $695 annual fee — but it also offers 80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership. That's worth $1,440 in travel per our valuation of Amex points. You'll also find Amex travel protection and 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 $85 statement credit every 4.5 years for TSA PreCheck®)
• $199 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)

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 Personal Finance Insider's points and miles valuations.

Best Credit Cards for Lost Luggage Reimbursement

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

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

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

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

With this card, you'll earn:

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

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

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

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.

Citi credit cards offer no travel protections at all. If you can help it, avoid booking flights with a Citi card — even if it offers bonus points.

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

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

Credit Card Travel Insurance Frequently Asked Questions

Which credit card has the best travel insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

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? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

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? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

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? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

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.

Who is covered by credit card travel insurance? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

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? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

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

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

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

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

Joseph Hostetler is a credit card expert who specializes in 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 is the Compliance Manager for Business Insider's Personal Finance division, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.

Western Alliance Bank High-Yield Savings Premier Earn 5.31% APY on your entire account balance – more than 10 times the national average

5.31% annual percentage yield (APY) is accurate as of 7/11/2024 and subject to change at the Bank’s discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Accurate as of the time of publication. The national average rate referenced is from the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of 8/19/2024. See the FDIC website for more information. https://www.fdic.gov/resources/bankers/national-rates/index.html

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

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

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

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

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

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