The 9 Best Credit Cards with Travel Insurance [2023]

Deals Points has partnered with CardRatings for our coverage of credit card products. Deals Points and CardRatings may receive a commission from our partners. Opinions and recommendations are ours alone. Terms apply to the offers. See our Advertising Disclosure for more information.

Credit cards can be a beneficial tool when it comes to travel.

Not only do they provide great rewards and discounts, but they can also offer some much-needed peace of mind during your journey.

Many credit cards come with travel insurance benefits which can offer financial protection in delays, cancellations, and other unexpected events.

In this post, we’ll be looking at some of the best credit cards for travel insurance, so you can ensure you’re covered from the moment you leave the house.

From comprehensive coverage to cards offering extra benefits like trip cancellation and interruption insurance, trip delay insurance, and rental car insurance, we’ll be exploring the options available to ensure you have the protection you need for your next adventure.

1. Chase Sapphire Preferred®

Best Budget Option

Great Starter Travel Card
Chase Sapphire Preferred®
  • Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
  • 2x Points on Travel
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal and 3x points on dining, online groceries, and streaming services. 

The Chase Sapphire Preferred offers a 10% anniversary points bonus, 12-month DoorDash DashPass subscription, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

2. Chase Sapphire Reserve®

Best Overall for Travel Insurance

Chase Sapphire Reserve®
  • Earn 60,000 Ultimate Rewards Points for Spending $4,000 in the First 3 Months
  • $300 Annual Travel Credit
  • 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
  • 3x Points on Dining, Takeout, & Eligible Food Delivery
  • 50% More Redemption Value
  • Priority Pass Airport Lounge Access
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $550 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Reserve® is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.

The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300 Priority Pass airport lounges.

Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.

Cardmembers also earn extra points with 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on travel, dining, and food delivery purchases, and 1x points everywhere else.

You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.

3. Bilt Mastercard®

Best for No Annual Fee

No Annual Fee
Bilt Mastercard®
  • Pay Rent Without Fees and Earn 1 Point Per Dollar on Rent (up to 50,000 Points Per Calendar Year)
  • No Annual Fee
  • 3x Points on Dining
  • 2x Points on Travel
  • Transfer Rewards to Airlines and Hotels
  • Cell Phone, Primary Rental Car, and Trip Delay Insurance
Learn More Our Review

Bilt Mastercard® is a no-annual-fee credit card that allows you to pay rent without a transaction fee and earn 1 point per dollar on rent (up to 50,000 points per calendar year).

You also earn 3x points on dining, 2x points on travel, and 1x points everywhere else.

The Bilt Rewards card also has great benefits for a no-annual fee card, including cell phone insurance, primary rental car insurance, 90-day purchase protection, trip delay insurance, trip cancellation insurance, and no foreign transaction fees. 

Plus, you can transfer your points to airline and hotel partners such as United Airlines, American Airlines, and World of Hyatt. Or redeem the points for travel or at Amazon.

4. Ink Business Preferred® Credit Card

Best for Small Businesses

100,000 Welcome Bonus Points
Ink Business Preferred® Credit Card
  • Earn 100,000 Ultimate Rewards Points After Spending $15,000 in Purchases in the First 3 Months
  • 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
  • 25% Additional Points Value in Travel Redemption
  • Primary Rental Car Insurance
  • Trip Cancellation/Interruption Insurance
  • Cell Phone Protection
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

The Ink Business Preferred® Credit Card is a versatile business rewards card earning 3x Chase Ultimate Rewards points on up to $150,000 in combined purchases per year in business categories, including shipping, online advertising, internet, phone, and travel. 

This business card offers a lucrative bonus of 100,000 points worth $1,000 cash back or $1,250 when redeemed toward travel via Chase.  

For $95 per year, the Chase Ink Business Preferred offers comprehensive protection, including trip cancellation insurance, trip delay insurance, primary rental car insurance, purchase protection, cell phone insurance, and extended warranty.

5. Capital One Venture X Rewards Credit Card

Best All-Around Travel Card

75,000 Miles
Capital One Venture X Rewards Credit Card
  • Earn 75,000 Bonus Miles for Spending $4,000 in the First 3 Months
  • $300 Travel Credit for Bookings via Capital One Travel
  • 10,000 Points for Each Account Anniversary
  • Hertz President’s Circle Elite Status
  • Airport Lounge Access (Priority Pass, Capital One, & Plaza Premium)
  • 10X Miles on Hotels and Rental Cars, and 5x Miles on Flights Booked with Capital One Travel
  • 2X Miles on all other purchases
  • Trip Delay and Trip Cancellation Insurance
  • $395 Annual Fee
Learn More Our Review

The Capital One Venture X Rewards Credit Card is a premium travel rewards card that’s perfect for travelers who want outstanding travel perks like annual travel credits, worldwide airport lounge access, and travel and purchase protections. 

The Venture X earns 2x miles on all purchases helping you maximize every dollar of your spending. Plus, you can earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One.

The card has a $395 annual fee, it is completely offset by an easy-to-use $300 annual travel credit for bookings via Capital One Travel and 10,000 points (worth at least $100) each account anniversary.

Plus you get airport lounge access at Priority Pass, Capital One, and Plaza Premium Lounges, Hertz President’s Circle elite status, Global Entry or TSA PreCheck credit, rental car insurance, trip and luggage insurance, cell phone insurance, and purchase protection.

6. The Platinum Card® from American Express

Best for Airport Lounge Access

Airport Lounge Access
The Platinum Card® from American Express
  • Earn 80,000 Membership Rewards Points After $6,000 in Eligible Purchases in the First 6 Months
  • 5x Points on Flights Booked Directly With Airlines (up to $500,000 in purchases each calendar year)
  • Airport Lounge Access (Centurion, Delta SkyClub, Priority Pass, Escape, and Plaza Premium)
  • No Foreign Transaction Fees
  • $695 Annual Fee (Rates & Fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply. Enrollment is required for some benefits.

The Platinum Card® from American Express is a great premium travel rewards card for travelers who want airport lounge access, including Centurion Lounges, Delta Sky Clubs (when flying Delta), Escape Lounges, Priority Pass lounges.

The American Express Platinum has a $695 annual fee, but you receive many annual statement credits when you enroll your card to offset the fee, including:

  • $200 Airline Fee Credit (after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®)
  • $200 Hotel Credit (on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay)
  • $240 Digital Entertainment Credit (up to $20 each month: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times)
  • $200 Uber Cash Credit ($15 per month with $35 in December when you add your Platinum Card to Uber or UberEats account)
  • $155 Walmart+ Credit (covers the cost of a $12.95 monthly membership) 
  • CLEAR Credit (up to $189 towards an annual Clear membership for expedited airport security)

You also earn 5x Membership Rewards points when booking flights directly with airlines or with American Express Travel (up to $500,000 in purchases per calendar year) and 5x Membership Rewards points when booking prepaid hotels with American Express Travel. 

On top of that, you automatically earn Marriott Bonvoy Gold Elite and Hilton Honors Gold statuses, which offer points bonuses, room upgrades, late check-out, and other premier benefits. 

7. The Business Platinum Card® from American Express

Best Business Card for Lounge Access

Top Airport Lounge Access
The Business Platinum Card® from American Express
  • Earn 120,000 Membership Rewards Points After $15,000 in Eligible Purchases in the First 3 Months
  • 5X Points on Flights and Prepaid Hotels Booked Via AmexTravel.com
  • Airport Lounge Access at Centurion Lounges, Delta SkyClubs when Flying Delta, Escape, Plaza Premium, and Priority Pass
  • $695 Annual Fee & No Foreign Transaction Fees (Rates & Fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply; Enrollment is Required for Some Benefits

The Business Platinum Card® from American Express is an outstanding choice for business owners who want airport lounge access including the American Express Global Lounge Collection, Centurion Lounges, Delta Sky Clubs, Escape Lounges, Priority Pass lounges, and more. 

The Business Platinum card also offers several statement credits to offset the $695 annual fee:

  • $200 Airline Fee: Annual airline fee credit of up to $200 on charges by the airline you select per calendar year.
  • $400 Dell: Annual statement credit on all U.S. Dell purchases, up to $200 semiannually. 
  • $120 Wireless Phone Services: Annual statement credits for purchases made directly with any U.S. wireless telephone provider, up to $10 per month.
  • CLEAR: Up to $189 toward an annual Clear membership for expedited airport security.
  • Global Entry or TSA PreCheck: Statement credits for Global Entry ($100) or TSA PreCheck ($85) every four years (4.5 years for PreCheck).

You can also earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1.5x points on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year

The American Express Business Platinum comes with automatic Hilton Honors Gold and Marriott Bonvoy Gold so that you can enjoy perks like room upgrades, late check-out, and a points bonus.

Additionally, the points you earn can be transferred to several Amex transfer partners such as Air Canada Aeroplan, Delta SkyMiles, and Marriott Bonvoy. This potentially increases the value of your points depending on how you redeem them.

8. United℠ Explorer Card

Best for United Loyalsts

2 United Club One-Time Passes Plus Free Checked Bags
United℠ Explorer Card
  • Earn Up to 50,000 United Miles After Spending $3,000 in the First 3 Months
  • 2X Miles on United Purchases, Dining, and Hotel Stays
  • 2 United Club One-Time Passes Per Year
  • Free First Checked Bags for Two People
  • $100 Global Entry, TSA PreCheck, or Nexus Credit
  • 25% Savings on United In-Flight Food and Drinks
  • Priority Boarding
  • Primary Rental Car and Trip Delay Insurance
  • $0 Intro Annual Fee, Then $95 Per Year

Click Here to Learn How to Apply

The Chase United℠ Explorer Card is one of my favorite cards to keep long-term because of the great benefits when flying United, including:

  • Free first checked bag when you pay using the Explorer card;
  • Two free United Club passes each account anniversary;
  • Priority boarding for you and companions on the same reservation; 
  • Extra award space when redeeming your United miles;
  • 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United; and
  • Premier upgrades on award tickets.

The Explorer card also allows you to save money by booking a basic economy ticket, while still getting the ability to bring a free carry-on or checked bag.

9. Delta SkyMiles® Reserve American Express Card

Best for Delta Loyalsts

Airport Lounge Access
Delta SkyMiles® Reserve American Express Card
  • Earn 90,000 SkyMiles After $6,000 in Eligible Purchases in the First 6 Months
  • 3X SkyMiles on Delta Air Lines Purchases
  • First Checked Bag Free
  • Lounge Access to Delta Sky Club Centurion Lounge, and Escape Lounges When Flying Delta
  • Global Entry or TSA PreCheck Credit
  • 20% Statement Credit on Delta In-Flight Purchases
  • $550 Annual Fee and No Foreign Transaction Fees (Rates & Fees)
Learn More Our Review
American Express is a Deals Points advertiser. Terms Apply

The Delta SkyMiles® Reserve American Express Card earns 3x SkyMiles on Delta purchases and comes with complimentary Delta Sky Club and The Centurion Lounge access, making it a stellar choice for frequent Delta flyers. 

For a $550 annual fee, this premium card offers excellent Delta-specific perks, letting you earn 15,000 Medallion Qualification Miles after spending $30,000 in a calendar year to get closer to Medallion Status. 

Plus, it comes with an annual companion certificate that gets you a Domestic First Class, Delta Comfort+, or Main Cabin round-trip companion certificate upon renewing your card every year. 

Other outstanding travel perks include a Global Entry or TSA PreCheck credit, a 20% savings on Delta in-flight food and drinks, a free first checked bag, complimentary upgrades, and extensive travel protections. 

For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

Top offers from our partners
175,000 Bonus Points
Terms Apply
Companion Pass® Through 2/28/2024 + 30,000 Points!!!
Terms Apply
$900 Cash Back
Terms Apply
60,000 Points
Terms Apply