10 best credit cards with travel insurance of January 2026
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.
- 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
- Chase Sapphire Reserve®: Best for premium travel value
- Capital One Venture X Rewards Credit Card: Best for premium perks while traveling
- Bank of America® Premium Rewards® credit card: Best for Bank of America Preferred Rewards members
- U.S. Bank Altitude™ Reserve Visa Infinite® Card: Best for statement credits
Comparing the best travel insurance credit cards
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, select streaming services and online groceries. |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 1x on all other purchases. |
Year after year, the Chase Sapphire Preferred wins at the TPG Awards for Best Travel Rewards Card. In exchange for a $95 annual fee, you’ll gain access to the incredible Ultimate Rewards program — unleashing tons of potential value for award travel. Read our full review of the Chase Sapphire Preferred Card.
Pros
- Earn multiple points per dollar on things like travel and dining
- The current welcome bonus on this card is quite generous
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
Cons
- The card comes with a $95 annual fee
- 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, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 4x | 4x miles on United® purchases |
| 2x | 2x miles on dining and all other travel |
| 1x | 1x mile on all other purchases |
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 4x 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 90,000 bonus miles
- 4x miles on United® purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
- United Club℠ card membership - at least a $750 value
- Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply)
- Premier Access® travel services
- Earn up to 20,000-miles in award flight discounts annually
- Member FDIC
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 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 |
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 welcome offer of 100,000 bonus points after $8,000 worth of spend in the first three months after card opening. Read our review of the Ink Business Preferred Credit Card.
Pros
- Intro bonus: 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
- 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
Best for business owners who prioritize premium travel perks
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 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. |
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.
Pros
- No foreign transaction fees
- Offers easy to use business-specific statement credits
- Earns valuable and transferable Membership Rewards points
Cons
- $895 annual fee
- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 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.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
Best for premium travel perks and digital entertainment
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 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. |
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.
Pros
- No foreign transaction fees
- Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually)
- Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
- Earns transferable Membership Rewards points
Cons
- $895 annual fee
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You 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.
- More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
- More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
- More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
- More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
- New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
- See Rates & Fees
Comparing the best travel insurance credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
New offer 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. 60,000 bonus points | 1 - 5X points Open Rewards rates
| $95 | ||||||||
at Chase's secure site | United loyalists | Earn 90,000 bonus 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 - 4X 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 | ||||||||
Elevated welcome offer at American Express's secure site | business owners who prioritize premium travel perks | Earn 200,000 Membership Rewards® points Open Intro bonus Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. | 1 - 5X points Open Rewards rates
| $895 | ||||||||
+ New benefits at American Express's secure site | premium travel perks and digital entertainment | As High As 175,000 points. Find Out Your Offer. Open Intro bonus You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. | 5X points Open Rewards rates
| $895 |
More details on the best travel insurance credit cards
The Chase Sapphire Preferred Card is my favorite consumer credit card with travel insurance because you’ll earn at least 2 points per dollar on travel purchases. You’ll get access to trip delay reimbursement, baggage delay insurance and lost luggage reimbursement when you use your card to pay for flights and some other types of scheduled transport that require a ticket. You’ll also get primary rental car insurance when you pay for a rental car with your card.
The Chase Sapphire Preferred Card is a good choice for most travelers who don’t want to pay a massive annual fee. Between bonus earning on dining, travel, online grocery purchases and streaming, plus benefits like an Chase Travel hotel credit each account anniversary year, the Chase Sapphire Preferred can be useful for occasional and frequent travelers.
"The Chase Sapphire Preferred has been in my wallet for 5+ years and is the go-to mid-level rewards credit card that I recommend to people. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. The strong earn rate on dining and travel as well as streaming services makes it a good choice for a millennial like me." - Matt Moffitt, managing editor
Consider the Chase Sapphire Reserve®, which offers more perks and slightly more comprehensive travel insurance in exchange for a higher annual fee.
The United Club Card offers perks with United, the ability to earn United miles on purchases and travel insurance comparable to the Chase Sapphire Preferred® Card. This means you’ll get useful protections like trip delay reimbursement, baggage delay insurance and primary rental car insurance.
If you can benefit from travel perks with United, including a United Club membership and free first- and second-checked bags for you and a companion on United flights, the United Club Card is likely a good option. You’ll also get Avis President's Club status and IHG One Rewards Platinum Elite status with your card, making it a good choice for travelers who use these programs.
If you’re considering buying a United Club membership, you’ll likely come out ahead with the United Club Card. You’ll get some nice perks with United, as the card offers perks for United loyalists as well as those who don’t travel with United frequently enough to earn elite status with the airline.
If the United Club’s card annual fee is too high for you, consider the lower-annual-fee United℠ Explorer Card.
The Ink Business Preferred is a go-to travel credit card due to its bonus earnings on travel and its built-in travel insurance. It earns valuable Chase Ultimate Rewards points and provides travel insurance that’s comparable to what is offered by the Chase Sapphire Preferred® Card.
You should get the Ink Business Preferred if you’re eligible for a small-business credit card and want to earn bonus points on shipping purchases, advertising purchases made with social media sites and search engines, internet, cable and phone services and travel each account anniversary year. Getting such a good earning rate with a card with a sub-$100 annual fee is amazing.
"I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I've found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance." - Katie Genter, senior writer
If you are looking for a consumer card offering similar travel insurance and a slightly lower earning rate on most travel purchases, the Chase Sapphire Preferred® Card is a good option.
Business owners get to take advantage of solid travel perks but also business-specific perks such as an up to $120 wireless telephone service statement credit (up to $10 per month) for wireless telephone service purchases made directly with a wireless provider in the U.S. Enrollment required.
Business travelers who can take advantage of this card’s statement credits and would benefit from perks like lounge access and hotel elite status.
If you’re often on the go for work trips, this Amex Business Platinum card is a solid choice. It’s packed with travel-related statement credits and benefits in addition to offering business-specific perks that are pretty straightforward to use.
If you’re in the market for a premium business card but don’t want to commit to the Amex Business Platinum, consider the Chase Sapphire Reserve for Business℠. Like its consumer counterpart, the Sapphire Reserve for Business earns valuable Ultimate Rewards points and also offers business-related statement credits and perks.
The American Express Platinum Card® is a great travel companion thanks to perks like no foreign transaction fees and enhancements like a generous up to $600 hotel credit (disbursed as up to $300 in statement credits biannually). Now, it also features more lifestyle credits that cardmembers can take advantage of to help offset its hefty annual fee.
Frequent travelers and digital entertainment subscribers will enjoy travel perks like lounge access and an up to $209 Clear Plus statement credit in addition to an up to $300 digital entertainment credit (disbursed as up to $25 per month in statement credits). Enrollment may be required and you may be subject to auto-renewal.
Adding this card to your rotation makes sense if you can use its perks and statement credits to offset its $895 annual fee.
If you want a premium travel and lifestyle card that’s not nearly $900, consider the Chase Sapphire Reserve®. It features a $795 annual fee — which is still a big figure — but offers several similar perks and credits that offset this fee, and it earns transferable Ultimate Rewards points, one of the most valuable reward currencies on the market.
The Delta Reserve Amex offers many of the same travel insurance perks as other premium Amex cards, like the Amex Platinum. But we love the Delta Reserve for its Delta Sky Club access, 15% off Delta-operated award flights and 20% back on inflight purchases on Delta-operated flights.
Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
If you are a Delta loyalist who wants to earn Delta miles on your credit card purchases and will benefit from Delta-related benefits, the Delta Reserve Amex may be a good fit. However, bonus earning is limited to Delta purchases, so you may want to use a different card for many of your travel expenses.
"As a Delta Diamond Medallion, I spend a lot of time on Delta jets. The card's annual companion ticket is valid on first class itineraries and has helped me offset the card's annual fee multiple years in a row." - Andrew Kunesh, former senior points and miles editor
If you want to earn more on flights, consider the American Express Platinum Card® to earn bonus points per dollar on select flights. After all, you can transfer Amex points to Delta.
The Chase Sapphire Reserve offers at least 3 points per dollar on travel purchases, an annual $300 travel credit and what is likely the most comprehensive credit card travel insurance available. On top of what is offered by many other cards in this guide, the Chase Sapphire Reserve offers travel accident insurance, emergency evacuation and transportation and an emergency medical and dental benefit.
The Chase Sapphire Reserve is best suited for travelers who can take full advantage of its elevated earning rates, statement credits and wide range of luxury benefits.
If you regularly spend on travel and lifestyle purchases, and want a premium reward card that delivers both luxury benefits and long-term value, the Sapphire Reserve is a card you should consider.
If the Chase Sapphire Reserve’s annual fee is too high, consider its sibling with a lower annual fee, the Chase Sapphire Preferred® Card.
The Capital One Venture X offers 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Plus, cardholders get access to car rental insurance, trip delay reimbursement, baggage delay reimbursement and more when using their Venture X card for eligible purchases.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
If you can benefit from earning at least 2 miles per dollar on all purchases, the Capital One Venture X is a good option. The card offers two perks — a $300 annual travel credit for Capital One Travel bookings and 10,000 bonus miles each year (starting on your first anniversary) — that fully offset the annual fee before you even consider the card’s other benefits.
"The Capital One Venture X comes with an annual $300 Capital One Travel Portal credit, which I use to book flights. That effectively brings the annual fee down to $95 per year. I use my Venture X card to earn 2 miles per dollar in spend categories where most cards would only accrue 1 mile (e.g. auto maintenance, pharmacies, medical bills)." - Kyle Olsen, former points and miles reporter
If you want to pay a lower annual fee in exchange for fewer benefits, you can still earn at least 2 miles per dollar spent on all purchases with the Capital One Venture Rewards Credit Card.
The Bank of America Premium Rewards credit card offers travel insurance protections to its cardholders if they experience trip delays, baggage delays, lost luggage and more. Plus, cardholders can claim up to $100 in airline incidental statement credits annually for qualifying purchases, which is more than enough to offset the card’s $95 annual fee.
This card offers 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases. But, if you are a Bank of America Preferred Rewards® member, you’ll get 25% to 75% bonus rewards on every purchase. So, this card is a particularly good option for Preferred Rewards members.
If you are a Bank of America Preferred Rewards member, you should seriously consider adding this card to your wallet. Other travelers should also consider this card, as it offers competitive travel insurance protections and earning rates given its sub-$100 annual fee that can be fully offset by the card’s annual airline incidental statement credits.
The Chase Sapphire Preferred® Card is a good option since it carries a similar annual fee and offers 2 points per dollar spent on general travel purchases.
The U.S. Bank Altitude® Reserve Visa Infinite® Card* features multiple bonus categories, up to $100 TSA PreCheck or Global Entry credit every four years and no foreign transaction fee.
*The information for the U.S. Bank Altitude Reserve Visa Infinite® Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The U.S. Bank Altitude™ Reserve Visa Infinite® Card* is a solid pick for travelers who would benefit from the card’s statement credits and no foreign transaction fee.
If you’re looking for a travel credit card that features solid rewards earning and simple statement credits, consider adding the U.S. Bank Altitude® Reserve Visa Infinite® Card* to your wallet.
If you’re looking for a similar travel card that earns transferable rewards instead, consider the Chase Sapphire Reserve®. This card comes with a flexible annual travel credit and exclusive airport lounge access.
How we rate
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.
Ask our experts
What's your favorite travel insurance card — and why?
How to choose a credit card with travel insurance
- 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.