10 best credit cards with travel insurance of July 2026

This card is ideal for business owners who travel frequently, want to earn valuable rewards on both business and everyday purchases and appreciate premium benefits like travel protections, airport lounge access and no foreign transaction fees.

If you’re looking to turn business expenses into meaningful travel rewards — and want premium perks usually reserved for personal cards — the Sapphire Business Card’s strong earning power, flexible redemption options and travel-friendly benefits make it a standout choice.

If you want access to the Centurion Lounge and other top-tier travel perks, you might consider The Business Platinum Card® from American Express. While it carries a hefty $895 annual fee (see rates and fees), it offers 5 Membership Rewards® points per dollar spent on flights and prepaid hotels booked through AmexTravel.com, access to thousands of lounges worldwide and earns 2 points per dollar spent on eligible purchases in select business categories (on up to $2 million per calendar year, then 1 point per dollar).

Travelers who regularly spend on dining, streaming, vacation rentals and general travel and who want flexible ways to redeem their rewards, including the ability to transfer points to airline and hotel partners without paying a premium annual fee.

The Sapphire Preferred packs an impressive collection of rewards and benefits into a card with a modest annual fee. Elevated earning rates across several categories, statement credits that outweigh the annual fee and strong travel protections make this card easily justifiable year after year. It offers an easy entry point into earning travel rewards while still providing enough upside to satisfy more experienced travelers with valuable transfer partners.

If you prefer a simpler rewards structure, consider the Capital One Venture Rewards Credit Card. Rather than tracking multiple bonus categories, Venture cardholders earn elevated rewards on every purchase. However, travelers willing to maximize bonus categories may find greater long-term value with the Chase Sapphire Preferred thanks to its stronger earning rates on dining, gas purchases and vacation rentals, valuable transfer partners and robust travel protections.

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.

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 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.

Frequent travelers and digital entertainment subscribers will enjoy travel perks like lounge access and an up to $219 Clear+ 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.

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.

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.

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.