Compare credit cards with travel insurance

Compare credit cards that offer travel insurance

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Hilton Honors American Express Surpass® Card		130,000 points after spending $2,000 in the first 3 months	12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$95		With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Hilton Honors American Express Card		80,000 points after spending $1,000 in the first 3 months	7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$0		With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®		50,000 points after spending $4,000 in the first 3 months	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	$550		Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card		80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95		Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.	Apply now View details	Compare	loading Fetching your data...
The World of Hyatt Credit Card		25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months	4x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases	$95		Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.	See offer View details	Compare	loading Fetching your data...
IHG® Rewards Club Traveler Credit Card		100,000 points after spending $2,000 in the first 3 months	15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases	$0		Earn 100,000 points after spending $2,000 in the first 3 months from account opening.	See offer View details	Compare	loading Fetching your data...
IHG® Rewards Club Premier Credit Card		140,000 points after spending $3,000 in the first 3 months	25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases	$0 intro annual fee for the first year ($89 thereafter)		140,000 points after spending $3,000 in the first 3 months.	See offer View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com		See terms	See terms	See terms		Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express		$200 after spending $1,000 in the first 3 months	2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	$0		Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Blue Cash Preferred® Card from American Express		$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)	6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases	$0 intro annual fee for the first year ($95 thereafter)		Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees	Apply now View details	Compare	loading Fetching your data...
American Express® Gold Card		60,000 points after spending $4,000 in the first 3 months	3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)	$250		Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
American Express Cash Magnet® Card		$150 after spending $1,000 in the first 3 months	1.5% cash back on all purchases	$0		With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Titanium Card™		N/A	1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back	$195		Enjoy unique excursions, privileged access to exclusive events and insider opportunities.	Apply now View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Priority Credit Card		40,000 points after spending $1,000 in the first 3 months	2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases	$149		Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.	See offer View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Black Card™		N/A	1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back	$495		Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Gold Card™		N/A	1x points on all purchases with 2% point value when you redeem for airfare or cash back	$995		Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.	Apply now View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Plus Credit Card		40,000 points after spending $1,000 in the first 3 months	2x points on Southwest Airlines and 1x points on all other purchases	$69		Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.	See offer View details	Compare	loading Fetching your data...
British Airways Visa Signature® Card		50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year	3x Avios on British Airways and partner airlines, 2x on hotels and 1x on all other purchases	$95		50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year	See offer View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Premier Credit Card		40,000 points after spending $1,000 in the first 3 months	2x points on Southwest Airlines and 1x points on all other purchases	$99		Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months.	See offer View details	Compare	loading Fetching your data...
Delta SkyMiles® Gold American Express Card		50,000 miles after spending $2,000 in the first 3 months until 10/28/2020	2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases	$0 intro annual fee for the first year ($99 thereafter)		With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Blue American Express Card		10,000 miles after spending $500 in the first 3 months	2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases	$0		Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Platinum American Express Card		60,000 miles and 5,000 MQMs after spending $3,000 in the first 3 months	3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases	$250		This card boasts a welcome offer worth up to $720, an annual companion certificate and valuable Delta perks. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Reserve American Express Card		40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months	3x miles on direct Delta purchases and 1x miles on all other purchases	$550		Delta's luxury offering shines with access to Delta Sky Clubs, Centurion Lounges, an annual companion certificate and more valuable travel perks. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Ink Business Preferred® Credit Card		100,000 points after spending $15,000 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	$95		100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®	Apply now View details	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card		$500 cash back after spending $3,000 in the first 3 months	5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases	$0		$500 bonus cash back after you spend $3,000 in the first 3 months.	Apply now View details	Compare	loading Fetching your data...
Ink Business Unlimited℠ Credit Card		$500 back after spending $3,000 in the first 3 months	1.5% cash back on all purchases	$0		$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.	Apply now View details	Compare	loading Fetching your data...
United Gateway℠ Card		Earn a signup bonus of 20,000 miles after you spend $1,000 in the first 3 months	2x miles on United Airlines, gas stations, local transit and commuting, and 3x miles at grocery stores on up to $1,500 per month through 9/30/2021. After that and on all other purchases you'll earn 1x miles	$0		Earn a signup bonus of 20,000 miles after you spend $1,000 in the first 3 months from account opening.	See offer View details	Compare	loading Fetching your data...

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What does credit card travel insurance cover?

You can get coverage for anything from car rental damage to trip interruption. These policies are considered complementary, though in most cases they’re factored into the cost of the card.

What types of credit card travel insurance are there?

• Car rental auto collision damage waiver.
  Get coverage for damage or theft to your rental car purchase. To be eligible, you usually must decline the rental agency’s own protection.
• Lost or damaged baggage.
  Be reimbursed up to a specified amount for lost or damaged bags.
• Delayed baggage.
  Pays for the cost of essentials until your luggage arrives.
• Trip delay.
  Pays to help mitigate the necessary expenses spent if your carrier delays your trip.
• Trip cancellation and interruption.
  Be reimbursed for a canceled or interrupted trip due to sickness, injury or other eligible events.
• Travel accident.
  You’ll be compensation should the unthinkable happen and you or an immediate family member suffer a serious injury.
• Emergency evacuation and transport.
  Get coverage for the cost of evacuation or transport to a care provider should you or an immediate family member become injured.
• Phone insurance.
  Be reimbursed in the event of damage or theft of your phone with credit card cell phone insurance.
• Roadside assistance.
  Provides coverage for roadside assistance such as towing.
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Who does credit card travel insurance cover?

The cardholder, their spouse or domestic partner, and dependent children under a particular age are covered under most credit card travel insurance policies.

A common exception is rental car collision damage, which often only protects the name on the rental agreement, and in some cases any authorized drivers.

Who counts as an eligible family member?

Generally, immediate family members are eligible family members. This includes your spouse and eligible children. Some policies will extend protection to more than just your immediate family, but it ultimately depends on the provider’s specific insurance agreement.

Travel insurance coverage by credit card issuer

	American Express	Bank of America	Barclaycard	Capital One	Chase	Discover
Auto rental collision damage
Baggage
Baggage delay
Baggage loss
Car rental
Emergency evacuation and transportation
Lost luggage
Lost luggage reimbursement
Premium roadside assistance
Travel accident
Trip cancellation
Trip cancellations and interruptions
Trip delay

Coverage is subject to change and may only by available for select cards issued by the provider.

Learn about the travel insurance policies offered by each card issuer









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How to file a claim with the credit card issuer

Most credit card companies ask customers to follow these steps to file an insurance claim:

1. Contact the claims administrator at the company’s phone number or claims website within a specified time period.
2. You’ll be sent a claims form and informed of any additional documentation needed for filing. Make the necessary copies and fill out the form.
3. Send your completed form and documentation to the designated address. Some credit card companies let you upload and send these documents online.
4. You usually don’t need to do anything afterward, though you can call or check online to monitor the status of your claim.

Is a credit card with travel insurance all you need?

It depends on your coverage needs. Your credit card might only cover a few areas, such as luggage delays, and most credit card insurance policies only cover up to a certain dollar amount per year. If you’re looking for specific coverage, compare credit cards with rental insurance or other policies depending on your needs.

If you’re a frequent traveler or you often travel with family, a credit card might not offer enough insurance to effectively cover you throughout the year. In this case, you’ll want to supplement with other options. Of course, no credit cards offer direct medical insurance, though some issuers offer policies separate from their credit card insurance.

How to compare credit cards with travel insurance

Compare by first reviewing your insurance needs along with your spending needs and habits. Here are some factors to consider:

• Policy details. Does the insurance policy cover all the people you need covered while traveling? Does the offered coverage make the policy worth it? Or are there certain exceptions in the fine print that make the policy a bad fit for your travel needs?
• Rewards. If a card offers good travel insurance coverage but bad reward earnings on your travel, the card might not be worth it. Ideally, a card should provide great value even if you don’t use the travel insurance.
• Annual fees. Does the card have a high annual fee? If so, the overall value of the included travel insurance might feel less impactful — particularly if you don’t use the insurance.
• Interest rates. Finding a card with a reasonable interest rate is helpful if you need to carry a balance over a certain period of time, like when you’re traveling.
• Additional travel perks. If you travel frequently, consider a credit card that offers great travel perks to make travel easier and more fun.
• Foreign transaction fees. If you’re traveling abroad, consider a card that waives foreign transaction fees.

Bottom line

Credit card travel insurance can provide the coverage you need in the event of an unplanned event or accident on a trip. Plan out your travel and purchasing needs ahead of time to determine which card offers the best travel coverage and purchasing power for you.

If you’re looking for a business credit card that provides travel insurance, compare your range of options to find one that best fits your needs.

Frequently asked questions

• What's covered under trip cancellation insurance?

  It depends on your credit card. Many trip cancellation policies include common events such as illness, injury, or inclement weather in their coverage.

• Does my travel insurance policy cover me while abroad?

  It depends on your credit card. Most insurance benefits work internationally, though some such as rental car collision damage insurance are subject to limitations.

• What does secondary coverage on car rentals mean?

  A card with secondary collision damage insurance will only kick in after your primary insurance applies to the loss first.