Best credit cards that offer trip delay reimbursement

Nov 13, 2021

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Editor’s note: This post has been updated with new information.

With continued pandemic-related flight disruptions, along with what’s expected to be a very busy holiday travel season, you’ll want to be prepared to handle any snags. Having the right credit card could be key to ensuring your entire trip doesn’t go off the rails.

Related: 3 things to do if your flight is delayed

We know there are travel credit cards that come with rewards-earning opportunities, such as the bonuses you can earn from various categories of purchases. But most cards include a number of decidedly less-glamorous perks, such as trip delay protection, that can be quite valuable to have in the current travel universe.

In short: trip delay protection can come to the rescue when things go wrong. Below, we list which cards have this important benefit.

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In This Post

The best trip delay protection credit cards of 2021

The information for the Hilton Aspire Amex card and U.S. Bank Altitude 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.

What is credit card trip delay protection?

Delta Flight Delay Weather Rain Window
Weather delays can force you to incur additional expenses that won’t be covered by an airline. (Photo by Darren Murph/The Points Guy)

Many of you have been there: You book a flight through an airline’s major hub, but your first segment is delayed and you miss your connecting flight, only to find that the next available flight isn’t for several hours or even until the next day. Many airlines will provide food vouchers and overnight accommodations if the delay is within their control (such as maintenance problems), but these vouchers may not always cover all the expenses you’ll incur during a delay. And for weather-related delays and system outages, you’re almost always on your own.

Related: What to do if your flight is delayed or canceled?

This is where the trip delay protection offered by select credit cards can help you keep money in your pocket. At its most basic level, this protection ensures that you won’t be responsible for additional (reasonable) expenses that occur as a result of a lengthy trip delay. Although you’ll need to pay for the expenses up front, you may be eligible for reimbursement afterward if you paid for your common carrier travel with an eligible card.

Here’s an example of what this includes on the Chase Sapphire Preferred Card (according to the card’s benefits):

This benefit applies to reasonable expenses incurred during Your delay not otherwise covered by Your Common Carrier, another party, or Your primary personal insurance policy. You will be refunded the excess amount (up to the maximum) once all other reimbursement has been exhausted up to the limit of liability.

The key word there is reasonable, as you won’t be able to book a room at the Four Seasons, then charge $500 worth of room service, and expect to be reimbursed. In addition, all cards that offer this coverage do impose a limit per ticket, person or trip, so be sure to read the specifics of your card’s benefit.

Related: The best credit cards that offer trip cancellation and interruption insurance

Comparison of the best cards with trip delay protection

Card Required length of delay Maximum coverage amount Annual fee
Capital One Venture X Rewards Credit Card 6 hours $500 per ticket $395
Chase Sapphire Reserve 6 hours or overnight $500 per ticket $550
Chase Sapphire Preferred Card 12 hours or overnight $500 per ticket $95
US Bank Altitude Reserve Visa Infinite Card 6 hours or overnight $500 per ticket $400
The Platinum Card from American Express 6 hours $500 per covered trip $695 (see rates and fees)
Delta SkyMiles® Reserve American Express Card 6 hours $500 per covered trip $550 (see rates and fees)
Hilton Honors American Express Aspire Card 6 hours $500 per covered trip $450 (see rates and fees)
Marriott Bonvoy Brilliant American Express Card 6 hours $500 per covered trip $450 (see rates and fees)
World of Hyatt Credit Card 12 hours or overnight $500 per ticket $95
Marriott Bonvoy Boundless Credit Card 12 hours or overnight
$500 per ticket $95
Marriott Bonvoy Bold Credit Card 12 hours or overnight $500 per ticket $0
United Club Infinite Card 12 hours or overnight $500 per ticket $525
United Explorer Card 12 hours or overnight $500 per ticket $0 intro annual fee for the first year, then $95


As you can see, this is a pretty consistent benefit among the cards that offer it. Again, be sure to review the detailed policies for the card(s) in your wallet to make sure you understand what is – and is not – covered. Amex provides benefit guides on its website for all of its cards that provide trip delay protection, including some cards that aren’t included in this guide because they provide lesser coverage.

Related: My trip delay coverage didn’t apply — Reader mistake story

Common limitations of trip delay reimbursement

Airport flights delayed screen
(Photo by bunhill/Getty Images)

Although the trip delay protection offered by select credit cards can be extremely valuable, it may not cover you every time. Here are some important aspects to remember.

Related: 7 times your credit card’s travel insurance might not cover you

You must pay for at least part of the ticket using the card with coverage (but some have stricter requirements)

In theory, this means that you could charge the taxes and fees on an award ticket and be eligible for coverage on some cards. However, coverage on some cards requires you to pay for the full cost of the trip with the card or reward points from the program.

Chase cards with this benefit note that you must “charge all or a portion of a common carrier fare to your credit card account and/or rewards programs associated with your account.” But Amex cards with this benefit note that “you must charge the full amount of a covered trip to your eligible card or in combination with your eligible card and accumulated points on your eligible card or redeemable certificates, vouchers, coupons, or discounts awarded from a frequent flyer program or similar program.”

Your delay must exceed a set amount of time

Most cards require at least a six- or 12-hour delay in order to reimburse any expenses. Some cards will also allow for reimbursement of expenses during a forced overnight stay.

The delay must be for a covered reason

You aren’t eligible for reimbursement if you simply miss a flight due to things such as traffic or oversleeping.

The coverage may only cover particular family members

For example, Chase cards with this benefit generally cover you (as the cardholder), your spouse/domestic partner and your legally dependent children under the age of 26 when you purchase a portion of your common carrier fare with the required card.

But Amex cards with this benefit generally cover you (as the primary cardholder) as well as your spouse/domestic partner, unmarried dependent child up to age 19 (or under age 26 if a full-time student at an accredited college or university) and companions who are traveling with you or your family members.

Related: Who is covered by your credit card travel insurance?

There may be a maximum number of claims you can file per 12-month period

Amex restricts you to two claims per eligible card per 12-month period.

Round-trip travel may be required

Amex defines a covered trip as “round-trip travel to one or more destinations other than an eligible traveler’s city of residence at the time of departure,” although a “round-trip travel may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with common carrier(s).”

How to file a claim

Young man working at home. (Photo by Eva-Katalin/Getty Images)
Filing a claim may take time, so plan ahead. (Photo by Eva-Katalin/Getty Images)

If you have a delay that resulted in unexpected expenses and you think you qualify for reimbursement, the first step is to call and initiate the claim process.

For Chase, this typically means calling the customer service number on the back of your card. For Amex, you’ll need to call a benefits administrator at 844-933-0648. For both Chase and Amex, you must initiate the claim within 60 days of your delay.

The exact requirements will vary slightly, depending on the card and your unique situation, but you’ll probably need to complete and/or provide the following:

  • Completed and signed claim form, which will usually be provided by the benefits administrator when you initiate the claim
  • Original and updated travel itinerary and/or the common carrier ticket
  • Credit card account statement (showing the last four or five digits of the account number) reflecting the charge for the common carrier ticket (unless the travel itinerary reflects the last four digits of your account number as payment method)
    • If more than one method of payment was used, you must provide documentation as to the additional currency, voucher, rewards programs or other payment method used.
  • Statement from the common carrier that the trip was delayed and explaining the reason for the delay
  • Copies of itemized receipts (Chase may only require itemized receipts for food expenses and expenses of $50 or more per eligible traveler)

Of course, the benefits administrator could ask for additional documentation related to the delay and expenses you incurred, so be prepared to gather anything and everything that could help your case.

Related: What card should I use during a trip delay, cancellation or interruption?

Bottom line

An unexpected overnight at the airport could cost you nothing if you use the correct card to purchase the initial ticket. (Photo of the TWA Hotel at New York JFK by Alberto Riva/The Points Guy)

A lot of our articles here at TPG focus on the valuable rewards you can earn through credit cards, but some cards also offer benefits that can save the day when things go awry. Trip delay reimbursement is only available with a handful of travel rewards credit cards, but if you’ve ever been the victim of a lengthy delay and subject to added expenses as a result, it can come in handy. You certainly hope to never have to utilize it, but hopefully, this post has given you some insight into what to expect when you do.

If you’re looking for more information on credit card travel protections, check out the following resources:

For rates and fees of the Amex Platinum, click here.
For rates and fees of the Delta Reserve, click here.
For rates and fees of the Hilton Aspire, click here.
For rates and fees of the Marriott Bonvoy Brilliant, click here.

Additional reporting by Benét J. Wilson.

Featured photo by Getty Images.

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