Compare business credit cards with travel insurance |

Business credit cards with travel insurance

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Get covered when you travel interstate or overseas.

If you travel regularly for work, a business credit card that includes complimentary insurance could help you save money. Depending on the card you choose, you could get coverage for trip cancellation, auto rental collision waiver, roadside dispatch and more. Some cards also provide complimentary travel insurance for your family or additional cardholders.

Use this guide to learn about the types of travel insurance available, compare business credit cards, and find out what you need to do to get coverage for your trips.

Our pick for business travel insurance

The Business Platinum® Card from American Express

  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of card membership.
  • Get 5x Membership Rewards® points on flights and prepaid hotels on
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms apply
Read less
Read more
See Rates & Fees

Compare business credit cards with travel insurance

Updated September 21st, 2019
Name Product Foreign transaction fee Welcome offer Rewards Filter values
Up to $500 back on FedEx shipments within the first 3 months, offer ends November 6, 2019
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
Up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first 3 months, offer ends November 6, 2019. Rates & fees
50,000 miles after spending $4,500 in the first 3 months
2x miles on all purchases
Earn unlimited 2x miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.
50,000 points after spending $10,000 and 50,000 points after spending an additional $15,000 in the first 3 months
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
Earn 50,000 points after spending $10,000 and an extra 50,000 points after spending an additional $15,000 on purchases in the first 3 months from account opening. Rates & fees
100,000 points after spending $5,000 in the first 3 months
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
100,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
20,000 miles after spending $3,000 in the first 3 months
1.5x miles on all purchases
Unlimited 1.5x miles on every purchase, every day.

Compare up to 4 providers

What type of travel insurance is available with business credit cards?

The type of travel insurance varies between business credit cards but generally falls under one of the following types of policies:

  • Travel accident insurance. Coverage for death and dismemberment while traveling on a common carrier such as a bus, plane, train or a ship.
  • Travel inconvenience cover. Coverage for issues such as trip delays, luggage loss and trip cancellations.
  • Emergency assistance. This includes emergency ticket replacement, lost item assistance, referrals to lawyers, medical assistance and more.
  • Vehicle rental cover. Provides insurance for loss or damage to your rental vehicle.

What business credit cards offer complimentary travel insurance?

American Express, Chase, Capital One, Citi and Bank of America all provide business credit cards with complimentary travel insurance options.

Insurance policy terms and conditions

Each credit card insurance policy has its own specific requirements, variations and definitions. So, as well as reading the summary here, make sure you refer to the insurance policy documents available on the credit card provider’s website to get a complete picture of the insurance options available.

What else do I need to know about business credit cards with travel insurance?

To get the most out of a business credit card with travel insurance, make sure you keep the following factors in mind:

  • Policy activation. In most cases, you need to use the credit card to pay for some or all of your eligible travel before you leave.
  • Annual fee. Make sure you weigh the cost of the annual fee against the potential benefits of the card, including travel insurance, to decide if it’s worth it for your business needs.
  • Additional cardholder fee. If you want to share your business credit card account with employees, make sure you check whether an additional cardholder fee will apply and how much it costs.
  • Interest rate. If you need to pay for some or all of your travel using the credit card, make sure you check the interest rate and factor in the cost that could apply if you don’t pay your balance in full.
  • Other features. Remember to consider the other features of the card, including expense tracking, compatibility with accounting software and rewards.

Bottom line

Getting a business credit card that includes travel insurance can provide savings on upfront costs when you travel. With other popular features such as rewards and itemized statements, comparing a range of cards will help you find one that suits your travel and business needs.

Before choosing a card, make sure you check out other business credit cards to compare your options.

Pictures: Getty Images

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site