Credit Cards
10 Best Credit Cards With Travel Insurance of November 2026
By
Katie Genter
Katie Genter
Lead writer
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.
and
•Stephanie Stevens
Stephanie Stevens
Credit cards writer
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Edited by
•Madison Blancaflor
Madison Blancaflor
Managing editor
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.
Reviewed by
Stanley Sanford
Stanley Sanford
Compliance manager
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.
Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
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.
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
- Chase Sapphire Reserve®: Best for premium travel value
- Sapphire Reserve for Business℠: Best for business travel rewards
- Chase Sapphire Preferred® Card: Best for a lower annual fee
- United Club℠ Card: Best for United loyalists
- Ink Business Preferred® Credit Card: Best for bonus earning
- The Business Platinum Card® from American Express: Best for business owners who prioritize premium travel perks
- American Express Platinum Card®: Best for premium travel perks and digital entertainment
- Delta SkyMiles® Reserve American Express Card: Best for Delta loyalists
- Capital One Venture X Rewards Credit Card: Best for premium perks while traveling
- Bank of America® Premium Rewards® credit card: Best for BofA Rewards™ members
Comparing the best travel insurance credit cards
at Chase's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 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. |
Intro offer
Open Intro bonus
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
100,000 bonus points.
Annual fee
$795
Regular APR
19.74% - 28.24% Variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
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.
Pros
- Automatic $300 annual travel credit each account anniversary year
- Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
- Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
- $300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
- Access to Chase’s 14 hotel and airline travel partners
- No foreign transaction fees
- Complimentary IHG Platinum Elite status (through Dec. 31, 2027)
Cons
- Steep $795 annual fee, plus a $195 fee per authorized user
- Some credits are split biannually, requiring careful tracking to maximize value
- Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
- May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
- Member FDIC
at Chase's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 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. |
Intro offer
Open Intro bonus
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Earn 200,000 bonus points
150,000 bonus points
Annual fee
$795
Regular APR
Flex for Business Variable APR: 17.99% - 28.74%
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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.
Pros
- Earn 8 points per dollar spent through Chase Travel and 4 points per dollar spent on flights and hotels booked direct
- $300 annual travel credit plus additional credits for rideshare and food delivery
- $120 statement credit for Global Entry, TSA PreCheck or NEXUS every four years
- Access to Chase Sapphire Lounges, plus IHG Platinum Elite status and exclusive hotel perks via The Edit
- Comprehensive travel protections and purchase coverage, including trip delay and rental car insurance
- Up to $500 annual hotel credit with The Edit by Chase Travel (two $250 credits per year; two-night minimum required)
- Up to $400 annual ZipRecruiter credit for hiring needs (up to $200 in semiannual credits)
- $200 annual Google Workspace credit for business tools
Cons
- Steep $795 annual fee, which may be hard to justify without frequent traveling or high spending
- Many credits are split across the year or require activation, making them harder to fully maximize
- Employee cards lack key perks like lounge access and hotel elite status
- Must spend $120,000 annually to unlock some of the most valuable benefits (like IHG Diamond status and Southwest A-List)
- Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
- $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
- Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
- Earn 5x total points on Lyft rides through 9/30/27.
- Earn 4x points on flights & hotels booked direct.
- Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26.
- Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
- Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
- Member FDIC
at Chase's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes at top brands, 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. |
Intro offer
Open Intro bonus
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
75,000 bonus points.
Annual fee
$95
Regular APR
19.49% - 27.74% Variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/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.
Pros
- Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays at top brands
- Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
- Versatile airline and hotel transfer partners
- Features up to $100 in annual hotel credits through Chase Travel℠
Cons
- Has an annual fee
- No airport lounge access
- Transfers to Hyatt at a lower rate than other Sapphire cards
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
- Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
- Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
- Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
- Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
- Transfer points to leading airline and hotel loyalty programs.
- Member FDIC
at Chase's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 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. |
Intro offer
Open Intro bonus
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Earn up to 100,000 miles
Annual fee
$695
Regular APR
19.99% - 28.49% Variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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.
Pros
- Earn 5x miles on United purchases; 2x miles on travel and dining; 1x on everything else
- United Club℠ membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
- Up to $120 statement credit for Global Entry/TSA Precheck application every four years
- Free first and second checked bags for you and one travel companion on the same reservation
- 25% inflight statement credit on eligible purchases
Cons
- High $695 annual fee
- Earn up to 100,000 bonus miles
- 11x total miles on eligible United flights and 5x miles on all other eligible United® purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
- Unlimited United ClubSM access for you and a guest - a $750+ value per year
- Free first and second checked bags - a savings of up to $440 per roundtrip (terms apply) - and Premier Access® travel services.
- Earn up to 20,000-miles in award flight discounts annually
- Save 10% or more when booking flights with miles. Premier members save even more.
- Member FDIC
at Chase's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 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 |
Intro offer
Open Intro bonus
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 100,000 bonus points
Annual fee
$95
Regular APR
17.99% - 26.99% Variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, 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.
Pros
- Bonus categories that are most relevant to business owners for a reasonable $95 annual fee
- Access to the Chase Ultimate Rewards portal for points redemption
- Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business
- Additional perks including extended warranty, cellphone protection and purchase protection
Cons
- High spending needed to get sign-up bonus
- Subject to Chase's 5/24 rule on card applications
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Comparing the best travel insurance credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
at Chase's secure site | premium travel value | 100,000 bonus points. Open Intro bonus Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. | 1 - 8X points Open Rewards rates
| $795 | ||||||||||
Offer Extended at Chase's secure site | business travel rewards | Earn 200,000 bonus points Open Intro bonus Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year. 150,000 bonus points | 1 - 8X points Open Rewards rates
| $795 | ||||||||||
at Chase's secure site | a lower annual fee | 75,000 bonus points. Open Intro bonus Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | 1 - 5X points Open Rewards rates
| $95 | ||||||||||
Limited-Time Offer at Chase's secure site | United loyalists | Earn up to 100,000 miles Open Intro bonus Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. | 1 - 11X miles Open Rewards rates
| $695 | ||||||||||
at Chase's secure site | bonus earning | Earn 100,000 bonus points Open Intro bonus Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. | 1 - 3X points Open Rewards rates
| $95 |
How we rate
We rated the best travel insurance credit cards based on several factors, including bonus category earning rates, perks and benefits associated with each card and the overall value each card delivers to you, the consumer. To learn about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonusWe included cards that come with strong welcome bonuses at varying minimum spend thresholds to fit your budget.
Annual feeOur top picks for credit cards with travel insurance feature varying annual fees to provide a larger range of benefits.
Earning ratesWe chose travel insurance cards that feature popular bonus categories to help you get the most from your spending.
Redemption optionsThe best credit cards provide you with different various redemption options, including cash back.
Added benefitsIn addition to travel insurance and strong earning rates, our top picks also offer solid welcome bonuses and other perks.
38% of TPG readers rank getting rental car insurance as a top-three most valuable card benefit
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.
This information was collected via opt-in surveys of TPG’s roughly 900,000 daily newsletter subscribers in May-June 2024. All data is anonymous and aggregated; you can view our full methodology for collecting and utilizing data here.
Ask our experts
What's your favorite travel insurance card — and why?
How to choose a credit card with travel insurance
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.1Sign-up bonus
- 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.2Annual fee
- 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.3Bonus categories
Pros + cons of travel insurance credit cards
Pros
- Travel insurance cards are good to have for protections while you're traveling
- Using a credit card with travel insurance responsibly can help you build your credit score
- Many cards with travel insurance come with other perks, such as elevated earning rates
Cons
- Credit cards can encourage overspending
- Carrying a balance on your card with travel insurance can damage your credit score
- The cost of borrowing on credit cards is higher than traditional loans
Frequently asked questions
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.