The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for premium travel value
Many things can go wrong on a trip, so having one of the best credit cards with travel insurance in your wallet can provide peace of mind. Protection against unforeseen trip delays and mishandled baggage can save you money when your travels don’t go as expected.
Many credit cards include travel insurance coverage when you use them to purchase your trip. But our expert team has chosen the best credit cards with travel insurance to help ensure that your trips are as secure as they are captivating.
MoreDetails
“More details on the best travel insurance credit cards”
We included cards that come with strong welcome bonuses at varying minimum spend thresholds to fit your budget.
Our top picks for credit cards with travel insurance feature varying annual fees to provide a larger range of benefits.
We chose travel insurance cards that feature popular bonus categories to help you get the most from your spending.
The best credit cards provide you with different various redemption options, including cash back.
In addition to travel insurance and strong earning rates, our top picks also offer solid welcome bonuses and other perks.
According to a recent TPG newsletter survey, 70% of TPG readers enjoy getting rental car insurance from their cards, making rental car insurance a standout card benefit. 38% of TPG readers even rank this perk as a top-three most valuable card benefit which showcases how important travel insurance is for travelers. This benefit provides cardholders with peace of mind and helps them save on pricey car insurance policies. Some card providers offer primary car insurance, which means users are protected against theft and damage without affecting their personal car insurance policy. If you frequently rent cars on your travels, consider choosing a card with a comprehensive travel insurance policy that covers your trip and rental.
If you want a specific type of travel insurance, such as trip delay protection that kicks in after just six hours or emergency evacuation protection, you can quickly narrow down your options to just cards that offer that benefit. However, many travelers just want a card that provides decent travel insurance. In this case, consider the other perks offered by the cards in this guide. Then, once you have found a card you like, double-check that its travel insurance fits your needs.
Here are some of the main points to consider when choosing a travel insurance credit card:
Select a credit card with travel insurance that has a solid sign-up bonus with an achievable spend threshold. You can use this reward for future travel plans or to pay down a balance if you're earning cash back. Seek to earn the currency that's most valuable to you, be it points, miles or cash back.
Credit cards with travel insurance come with varying annual fee prices. Some are higher for more premium benefits, while others are lower with less perks. We included a range of annual fee rates for every traveler to consider.
Many travel insurance credit cards feature bonus categories. We selected cards with a range of bonus category earnings to fit each consumer. Select a card that matches with your regular spending habits to maximize your expenses.
Many travel rewards cards offer travel insurance. We’ve discussed some of our favorites that offer the most comprehensive travel insurance in this guide. But many other cards also offer travel insurance — these cards may have lower benefit maximums, fewer types of coverage, and more exclusions.
The best way to determine if your credit card has travel insurance is to study the guide to benefits that came in the mail when you received your card. You can also usually find the guide to benefits or detailed information about your benefits in your online credit card account. However, you can also call the number on the back of your card and inquire about what travel insurance, if any, your card offers.
Many travelers wonder if more than credit card travel insurance is required. In particular, you may wonder whether you should get travel insurance if you have credit card protection. There’s no right answer, and it often depends on your health, the type of trip you are taking and whether you have an emergency fund that can cover unexpected costs if needed. In short, if you fear your credit card insurance isn’t enough, it may be smart to purchase a travel insurance plan.
Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Madison Blancaflor is the managing editor for TPG's content operations team. She focuses on helping TPG's broader editorial team bring news, features and advice to readers. She has nearly six years of experience covering the credit cards and travel industries.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
Best for premium travel value
| Rate | Category |
|---|---|
| 8x | Earn 8x points on all purchases through Chase Travel℠, including The Edit℠. |
| 4x | Earn 4x points on flights and hotels booked direct. |
| 3x | Earn 3x points on dining worldwide. |
| 1x | Earn 1x points on all other purchases. |
100,000 bonus points.
$795
19.74% - 28.24% Variable
740-850
Excellent
The Chase Sapphire Reserve is a no-brainer card for those who are looking to up their reward earnings to the highest level. Chase Ultimate Rewards are one of the most valuable points currencies. Read our full review of the Chase Sapphire Reserve.
The Chase Sapphire Reserve is a no-brainer card for those who are looking to up their reward earnings to the highest level. Chase Ultimate Rewards are one of the most valuable points currencies. Read our full review of the Chase Sapphire Reserve.
Best for premium travel value
100,000 bonus points.
$795
19.74% - 28.24% Variable
740-850
Excellent
The Chase Sapphire Reserve is a no-brainer card for those who are looking to up their reward earnings to the highest level. Chase Ultimate Rewards are one of the most valuable points currencies. Read our full review of the Chase Sapphire Reserve.
Best for a lower annual fee
| Rate | Category |
|---|---|
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs). |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 1x on all other purchases. |
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
Excellent/Good
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for a lower annual fee
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
Excellent/Good
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for bonus earning
| Rate | Category |
|---|---|
| 3X | Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
| 1X | Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
Earn 100,000 bonus points
$95
17.74% - 26.74% Variable
670-850
Good, Excellent
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a strong welcome offer. Read our review of the Ink Business Preferred Credit Card.
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a strong welcome offer. Read our review of the Ink Business Preferred Credit Card.
Best for bonus earning
Earn 100,000 bonus points
$95
17.74% - 26.74% Variable
670-850
Good, Excellent
This card has a unique set of perks that make it attractive for business owners looking to maximize their earning potential and unlock valuable rewards through the Ultimate Rewards program. And it currently comes with a strong welcome offer. Read our review of the Ink Business Preferred Credit Card.
Best for business owners who prioritize premium travel perks
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights and prepaid hotels on AmexTravel.com. |
| 2X | Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |
| 1X | Earn 1X points on other eligible purchases. |
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for business owners who prioritize premium travel perks
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Best for premium travel perks and digital entertainment
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. |
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for premium travel perks and digital entertainment
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for Delta loyalists
| Rate | Category |
|---|---|
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Earn 2 Delta Comfort Flight Certificates + 50K Miles
$650
19.74%-28.74% Variable
Excellent to Good
The Delta SkyMiles Reserve Amex is an excellent choice for flyers who want Sky Club access while traveling, or who can spend their way for a boost toward elite status. Read our full review of the Delta SkyMiles Reserve American Express Card.
The Delta SkyMiles Reserve Amex is an excellent choice for flyers who want Sky Club access while traveling, or who can spend their way for a boost toward elite status. Read our full review of the Delta SkyMiles Reserve American Express Card.
Best for Delta loyalists
Earn 2 Delta Comfort Flight Certificates + 50K Miles
$650
19.74%-28.74% Variable
Excellent to Good
The Delta SkyMiles Reserve Amex is an excellent choice for flyers who want Sky Club access while traveling, or who can spend their way for a boost toward elite status. Read our full review of the Delta SkyMiles Reserve American Express Card.
Best for premium perks while traveling
| Rate | Category |
|---|---|
| 10 Miles | 10 Miles per dollar on hotels and rental cars booked through Capital One Travel |
| 5 Miles | 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel |
| 2 Miles | 2 Miles per dollar on every purchase, every day |
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
Excellent
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
Best for premium perks while traveling
Earn 75,000 bonus miles
$395
19.74% - 28.74% (Variable)
740-850
Excellent
The Venture X combines high-end benefits like travel credits, mileage bonuses and lounge access with a simple earning formula that’s easy to maximize. Read our full review of the Capital One Venture X Rewards Credit Card.
Best for BofA Rewards™ members
| Rate | Category |
|---|---|
| 2X | Earn unlimited 2 points for every $1 spent on travel and dining purchases. |
| 1.5X | Earn unlimited 1.5 points for every $1 spent on all other purchases. |
60,000 points
$95
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
Excellent/Good
The Bank of America Premium Rewards card allows cardmembers to earn 2 points per dollar on travel and dining expenses, but BofA Rewards™ members will earn at a higher rate of up to 3.5 points per dollar spent. Read our full review of the Bank of America Premium Rewards credit card.
The Bank of America Premium Rewards card allows cardmembers to earn 2 points per dollar on travel and dining expenses, but BofA Rewards™ members will earn at a higher rate of up to 3.5 points per dollar spent. Read our full review of the Bank of America Premium Rewards credit card.
Best for BofA Rewards™ members
60,000 points
$95
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
Excellent/Good
The Bank of America Premium Rewards card allows cardmembers to earn 2 points per dollar on travel and dining expenses, but BofA Rewards™ members will earn at a higher rate of up to 3.5 points per dollar spent. Read our full review of the Bank of America Premium Rewards credit card.
What's your favorite travel insurance card — and why?
Chase Sapphire Preferred® Card“On top of generous earning rates and transfer partners, the Sapphire Preferred provides peace of mind while traveling with trip cancellation, accident, interruption and delay coverage. An auto rental collision damage waiver and compensation for lost or delayed baggage are also great benefits.”
The Business Platinum Card® from American Express“I always keep track of which card I use when booking travel in case I need to use the card’s built-in travel insurance. When I use my Amex Business Platinum, I know I might be eligible for various types of travel insurance, including trip delay insurance and car rental loss and damage insurance.”
American Express Platinum Card®“Whether my flight is cancelled or seriously delayed, my bags are lost or damage was sustained to my rental car, the travel insurance perks associated with this card can help recover some costs associated with travel mishaps. It gives me relief booking travel with my Amex Platinum.”
Best for business travel rewards
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
Best for business travel rewards
Best for United loyalists
The United Club Card comes with the most perks and highest earning rates of any of United’s personal credit cards. Read our full review of the United Club Card.
Best for United loyalists
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
| premium travel value | 100,000 bonus points. | 1 - 8X points | $795 | Apply now at Chase's secure siteSee rates & fees | |
Offer Extended | |||||
Limited-Time Offer | |||||
Limited-Time Offer | |||||
| Rate | Category |
|---|---|
| 11x | Earn 11x total miles on eligible United flights. |
| 5x | Earn 5x miles on all other eligible United® purchases. |
| 2x | Earn 2x miles on dining and all other travel. |
| 1x | Earn 1x mile on all other purchases. |
Earn up to 100,000 miles
$695
19.74% - 28.24% Variable
Excellent Credit
The United Club Card comes with the most perks and highest earning rates of any of United’s personal credit cards. Read our full review of the United Club Card.
Earn up to 100,000 miles
$695
19.74% - 28.24% Variable
Excellent Credit
The United Club Card comes with the most perks and highest earning rates of any of United’s personal credit cards. Read our full review of the United Club Card.
| Rate | Category |
|---|---|
| 8x | Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. |
| 5x | Earn 5x total points on Lyft rides through 9/30/27. |
| 4x | Earn 4x points on flights & hotels booked direct. |
| 3x | Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26. |
| 1x | Earn 1x points on all other purchases. |
Earn 200,000 bonus points
$795
Flex for Business Variable APR: 17.74% - 28.49%
Good Credit, Excellent Credit
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
Earn 200,000 bonus points
$795
Flex for Business Variable APR: 17.74% - 28.49%
Good Credit, Excellent Credit
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
| business travel rewards |
| Earn 200,000 bonus points 150,000 bonus points |
| 1 - 8X points |
| $795 |
| at Chase's secure siteSee rates & fees |
| a lower annual fee |
| 75,000 bonus points. |
| 1 - 5X points |
| $95 |
| at Chase's secure siteSee rates & fees |
| United loyalists |
| Earn up to 100,000 miles |
| 1 - 11X miles |
| $695 |
| at Chase's secure siteSee rates & fees |
| bonus earning |
| Earn 100,000 bonus points |
| 1 - 3X points |
| $95 |
| at Chase's secure siteSee rates & fees |
| business owners who prioritize premium travel perks |
| As High As 300,000 points. Find Out Your Offer. |
| 1 - 5X points |
| $895 |
| at American Express's secure siteSee rates & fees |
| premium travel perks and digital entertainment |
| As High As 175,000 points. Find Out Your Offer. |
| 5X points |
| $895 |
| at American Express's secure siteSee rates & fees |
| Delta loyalists |
| Earn 2 Delta Comfort Flight Certificates + 50K Miles |
| 1 - 3X miles |
| $650 |
| at American Express's secure siteSee rates & fees |
| premium perks while traveling |
| Earn 75,000 bonus miles |
| 2 - 10X miles |
| $395 |
| at Capital One's secure siteSee rates & fees |
| BofA Rewards™ members |
| 60,000 points |
| 1.5 - 2X points |
| $95 |
| at Bank of America's secure site |