Business credit cards with travel insurance

Get covered when you travel interstate or overseas.

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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

Gold Delta SkyMiles® Business Credit Card from American Express

  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new card in your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
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Compare business credit cards with travel insurance

Updated November 12th, 2019
Name Product Foreign transaction fee Welcome offer Rewards Filter values
None
30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe. Rates & fees
None
35,000 miles and 5,000 MQMs after spending $1,000 in the first 3 months plus $100 after making a direct Delta purchase in the same timeframe
2x miles on direct Delta purchases and 1x miles on all other purchases
Earn 35,000 miles and 5,000 MQMs after spending $1,000 in the first 3 months plus $100 after making a direct Delta purchase in the same timeframe. Rates & fees
None
35,000 points after spending $5,000 in the first 3 months
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
Earn 35,000 points after spending $5,000 in the first 3 months from account opening. Rates & fees
None
80,000 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
80,000 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®
None
50,000 miles after spending $5,000 in the first 3 months, plus 150,000 after spending $50,000 in the first 6 months
5x miles on hotel and rental car bookings through Capital One Travel℠ and 2x miles on all other purchases
Earn 5x miles on hotel and rental car bookings through Capital One Travel℠ and 2x miles on all other purchases.

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. Travel business credit cards typically offer travel insurance, but be sure to check the card features to verify what is covered.

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.

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