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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

Brex for Startups

  • The first corporate card for startups
  • No personal liability or security deposit needed - your personal credit score won't be affected
  • Minimum of $100,000 of funds in corporate bank account and US EIN required
  • Earn 7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
  • Get a credit limit 10 to 20 times higher than traditional business cards
  • No foreign transaction fees
  • Build business credit - Brex partners with Experian to report your on-time payments
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Compare business credit cards with travel insurance

Data indicated here is updated regularly
Name Product Foreign transaction fee Welcome offer Rewards Filter values
Brex for Startups
Up to $25,000 worth of credits for business services like Amazon Web Services, Salesforce, Zendesk and more
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
Brex for Ecommerce
60-day interest-free financing for e-commerce businesses.

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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. Some of the best travel business credit cards will 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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