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Business credit cards with travel insurance

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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 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of card membership.
  • Get 5x Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 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
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Compare business credit cards with travel insurance

Updated June 20th, 2019
Name Product Foreign Transaction Fee Welcome Offer Rewards Filter values
None
35,000 points after spending $5,000 on purchases within 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 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership. Rates & fees
None
50,000 points after spending $10,000 and 25,000 points after spending an additional $10,000 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 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
None
125,000 points after spending $3,000 in the first 3 months
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees
None
75,000 points after spending $3,000 in the first 3 months
6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
None
70,000 miles after spending $4,000 in the first 3 months, plus $50 after your first Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
Earn 70,000 bonus miles after you make $4,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees

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

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