travel interruption insurance chase

Using Chase Trip Cancellation Coverage

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As I mentioned on Friday, we had to cancel our planned trip to present at the Chicago Seminars at the last minute due to Baby S getting hit with her first virus and upper respiratory gunk. As with most airfare, our tickets were "non-refundable" and as such we would pretty much be out the $800+ for the three round trip tickets for my mom, my little one, and myself. There are many reasons I couldn't just fly by myself and leave the baby at home including I wouldn't be comfortable as the mom being away from my sick and not-quite-3 month old baby, but also the little stinker won't even take a bottle right now so I'm her sole food source.

Even if the money we spent on the airline tickets all went to waste, we had to stay home with Baby S so it was an easy call, but I would certainly prefer to recoup as much of that expense as possible. Thankfully I learned years ago to pay attention to which credit cards I use for airfare purchases so that I have built-in trip interruption and cancellation coverages for unexpected surprises without having to purchase separate trip insurance. This is important across the board, but when you have babies and little kids who inevitably will get numerous illness in their first few years it is virtually essential. Many Chase credit cards have similar protections, but the purposes of this post I will quote from the Chase Sapphire Preferred® Card Benefit's Guide since it is a very good all around travel credit card that I think many of us have.

Details of Chase Trip Cancellation Insurance:

With the Chase Sapphire Preferred® Card, Trip Cancellation Insurance will reimburse you or your immediate family members up to $5,000 for each covered trip if a covered loss prevents you from departing on your trip and results in cancellation of travel arrangements if you charged a "portion of the cost for the travel arrangements to your account". In this case the covered loss we are using is "Accidental Bodily Injury, Loss of Life, o r Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion." Bolding mine.

It also says that if a physician has advised that making the covered trip is medically inadvisable, you must immediately notify the appropriate travel supplier that you are cancelling your travel arrangements. If you don't notify the supplier, the company's reimbursement will not exceed the cancellation penalties imposed during the period by the supplier and in effect forty-eight (48) hours immediately following your receipt of advice from your Physician that travel is not advisable.

So, we used the Chase credit card to purchase the airfare, we have a sick immediate family member, and we cancelled the flights right after learning she should not fly based on her doctor's advise. Check, check, check, and so far so good. I'm still in the middle of the claim process, but I wanted to share which documents the company has requested thus far in case you are faced with a similar situation. Most of the items requested are easily obtained and pretty common sense, but there are a few curve balls in the process that I wasn't totally expecting.

Documents Needed to Utilize Trip Cancellation Coverage:

• Confirmation of the non-refundable amounts for the unused Common Carrier tickets, and/or travel vouchers;
• Confirmation that the tickets were cancelled with the Common Carrier;
• Copy of the travel itinerary showing the passenger names and ticket cost;
• Confirmation of the reason for the trip cancellation; (Completed attached physician statement, confirmation of death of immediate family member or documentation confirming any other cause of loss);
• Please complete and return the Trip Cancellation claim form attached below;
• A copy of the cancellation or refund polices of the Common Carrier, Tour Operator, or Travel Supplier;
• A copy of the credit card statement which shows that the purchase of the Common Carrier ticket was charged to your credit card; (We must be able to see the first six digits of the credit card number and the pre-printed accountholder name and address. However, for security purposes we suggest that you block or remove the remaining digits of your card number.).

I had taken Baby S both to urgent care and to her pediatrician in the 24 hours before making the claim because I was worried about her and wanted her checked out by a physician, but since I knew I would probably need some sort of documentation of her illness I had her pediatrician write a brief note while I was there indicating the date, the illness, and that she cannot fly in her condition. I was hoping that would be sufficient documentation, but it seems there is a specific form that the physician needs to complete. I really hope what I have will suffice as I hate to go back to the doctor's office if I don't have to, but here are the sections on the form that the physician is asked to complete.

Physician's Form for Trip Cancellation Coverage:

Date of accident, injury or illness: ____/____/____ (MM/DD/YY)

Date of first treatment or onset: ____/____/____ (MM/DD/YY)

Please describe the nature of the patient's injuries or illness:

_____________________________________________________________________________

Was this a referral from another doctor? YES / NO

If yes, date of referral: ____/____/____ (MM/DD/YY)

Was the patient hospitalized? YES / NO

If yes, please list the names and location of all hospitals and all admission/discharge dates:

Hospital Name Location Adm. Date Dis. Date

__________________________ _____________________ ___________ __________

Was the patient recommended by you to curtail their trip/travel due to this condition?

If yes, travel restriction dates advised:

____/____/____ (MM/DD/YY) to ____/____/____ (MM/DD/YY)

Did this travel restriction affect any other family members or travel companions? YES / NO

If yes, why did family member/travel companion need to curtail their travel? _____________________________________________________________________________

Did the patient have any condition (including pregnancy) prior to trip booking that contributed to their present condition? YES / NO

If yes, please describe:__________________________________________________________

______________________________________________________________________

For pregnancy: EDC: ____________________________

If yes, at what date did patient originally begin treatment with this previous condition: ___________________________________________________________________

If yes, was the patient's previous condition stable at least 60 days prior to booking the trip? YES / NO

Please describe: _________________________________________________________

_______________________________________________________________________

Putting the Trip Cancellation Claim Together:

It will take a little time to put all this requested information together and send it back to the company, in this case a Claim Benefit Services operated by Broadspite, a Crawford Company. You can scan in the documents and upload them to a website or just mail them in the old fashioned way. I'm hopeful that all will go well and within a few weeks we will have a check for the value of the cancelled airfare since that amount is well under the covered maximum. I'll be sure to update when the process is over, or if I hit any unexpected road blocks in the process. Fingers crossed our little one is healthy in time for our next trip or we'll be working on yet another trip cancellation claim...

Have you ever used built-in trip cancellation coverage from one of your credit cards? Do you pay attention to the coverages provided by your cards when booking trips?

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• Chase Sapphire Reserve

Full List of Travel Insurance Benefits for the Chase Sapphire Reserve Card [2023]

Christine Krzyszton

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Trip cancellation and trip interruption, trip delay reimbursement, lost luggage reimbursement, baggage delay, roadside assistance, emergency evacuation and transportation, emergency medical and dental benefit, travel accident insurance, travel and emergency assistance, time is of the essence, documentation is important, everything else you need to know, statement credits, additional benefits, the platinum card ® from american express, chase sapphire preferred ® card, capital one venture x rewards credit card, final thoughts.

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Few credit cards can compete with the Chase Sapphire Reserve ® when you’re looking for a premium travel rewards credit card. There are also few, if any, travel rewards cards that offer a better selection of travel insurance benefits.

Travel insurance benefits and protections that come with your credit card can provide valuable assistance if your trip is disrupted, reimburse you for expenses if things go wrong during your journey, and much more.

It’s become increasingly more important to have a level of travel insurance for peace of mind and to make you whole after an unexpected event. While the travel insurance that comes on your credit card is not meant to take the place of a comprehensive travel insurance policy , it can provide sufficient coverage for most trips you make.

Today, we’ll dive deep into the assortment of travel insurance benefits that come with the Chase Sapphire Reserve card.

We’ll also look at how the coverages work, glance at the process for filing a claim if something does go wrong, and in the end, give you all the other reasons we like the card for frequent travelers.

Chase Sapphire Reserve Card — Travel Insurance Benefits and Protections

There are so many reasons we like the Chase Sapphire Reserve card overall and we’ll cover those later in our article. For now, we’re going to jump right into the focus of our review, the travel insurance benefits and protections offered on the card.

Some benefits or protections can save you money , others provide assistance during your travels, and yet others offer peace of mind .

Here is our breakdown of the travel insurance coverages that can be found on your Chase Sapphire Reserve card.

The auto rental insurance coverage on your Chase Sapphire Reserve card could save you hundreds of dollars on your car rental bill. Simply reserve and pay for your car rental with the card, decline the car rental agency’s collision damage waiver (CDW) or loss damage waiver (LDW) coverage, and receive primary car rental coverage for theft or damage to the rental car.

Primary coverage means that you do not have to file a claim with another insurance company first.

Additional coverage includes loss of use charges and reasonable and customary towing charges.

You and authorized drivers listed on the rental agreement are covered.

Coverage limitations and conditions apply, including:

• $75,000 coverage limit
• Rental period cannot exceed 31 days
• Liability coverage and the loss of personal items are not covered
• Expenses reimbursed by other insurance are not covered
• Antique vehicles, vans that carry more than 9 people, motorcycle/bikes, limos, and recreational vehicles are not covered

Bottom Line: The Chase Sapphire Reserve card comes with primary car rental insurance. If a car rental agency charges $20 per day for this coverage, you could save $140 on a 7-day rental by declining the rental car agency’s collision damage waiver or loss damage waiver coverage.

When you pay for your trip partially or in full with your Chase Sapphire Reserve card, with Ultimate Rewards points earned on your card, or a combination of both, you could receive a benefit if your trip has to be canceled or is disrupted for a covered reason.

Examples of covered events could include:

• Severe weather that prevents you from beginning a trip or keeps you from continuing your travels
• Illness or death of an immediate family member or travel companion
• Certain legal obligations

Examples of expenses reimbursed include:

• Prepaid non-refundable expenses charged by a travel supplier, such as a tour operator, airline, or other common carriers
• Non-refundable prepaid expenses charged by rental car or travel agencies
• Under trip interruption, $250 for emergency ground transport

The trip cancellation/interruption coverage that comes with the Chase Sapphire Reserve card pays up to $10,000 per person, per trip , up to $20,000 per occurrence, and up to a maximum of $40,000 in a 12-month period.

Examples of losses that would not be covered could include:

• Cancellation by the travel provider (unless due to severe weather)
• You change your plans
• Preexisting conditions
• Financial insolvency of the travel provider
• Losses that occur on trips exceeding 60 days

Hot Tip: The trip cancellation and trip interruption insurance that comes with a credit card, including the Chase Sapphire Reserve card, does not cover voluntary trip cancellations. If you think you might have to cancel a trip, you should purchase Cancel for Any Reason Insurance which provides coverage regardless of the reason for cancellation. 

Trip delays of more than 6 hours or an overnight stay trigger the trip delay reimbursement coverage on your Chase Sapphire Reserve card. You and your eligible family members could receive up to $500 for each purchased ticket , per trip, for unreimbursed expenses for incidentals, lodging, and meals.

If your checked or carry-on luggage is lost, stolen, or damaged, you could receive up to $3,000 per person , per trip. There is a sub-limit of $500 included in the $3,000 maximum for valuable items such as jewelry watches, and specific electronics.

When your bags are delayed for more than 6 hours , you could receive up to $100 per day for 5 days for reimbursement of essentials such as clothing, toiletries, and a cell phone charger.

Make just a call if you have a roadside emergency and receive assistance with services such as flat tire replacement, emergency fuel, jump-start service, towing, lock-outs, and more.

The number of covered service calls each 12-month period is limited to 4 and the maximum coverage is $50 per service call. Any charges over that amount will be charged to the Chase Sapphire Reserve card.

Pay for at least a portion of your common carrier trip with your Chase Sapphire Reserve card. Then, if you or an immediate family member become injured or sick during your travels and need emergency evacuation, the card could provide up to $100,000 in coverage .

Trips must be at least 5 days in length , not more than 60 days, and the traveler must be more than 100 miles from home.

This is not reimbursement coverage — you must call the benefits administrator at the time of the incident to initiate emergency transport.

It’s rare to find any medical or dental coverage provided on a credit card, but the Chase Sapphire Reserve card offers this benefit for its cardholders and qualifying family members.

Here’s how the coverage works:

• Provides up to $2,500 ($50 deducible) for emergency medical or dental services during a covered trip
• Up to $75 per day for 5 days for a hotel if ordered by the attending physician
• Emergency medical/dental services, hospital room, ambulance, medicines, and supplies are examples of covered items
• The trip must be more than 100 miles from your residence

Travel Accident Insurance is a benefit seldom ever used but it can provide peace of mind knowing that if a covered death or dismemberment occurred during you or your family’s common carrier trip, there could be a benefit provided.

The card comes with up to $1,000,000 in coverage.

Whether you need assistance planning your trip or need help during your travels, you’ll have access to a dedicated phone line 24/7 . Receive assistance such as help securing emergency transportation, translation, medical, and legal referrals, help with lost passports, or emergency ticket replacement.

The cost of the actual services received is the responsibility of the cardholder.

Bottom Line: The Chase Sapphire Reserve card comes with one of the best collections of travel insurance benefits and protections available. To learn about additional credit cards also offering travel insurance, check out our list of the best credit cards for travel insurance . 

How To File a Claim

The best time to think about filing a travel insurance claim is before an event happens . Before setting off on your trip, it’s wise to take a few minutes to learn how you or your travel companions could receive assistance, should your trip be disrupted.

Reviewing the process of how to contact the claims administrator en route, should it become necessary, could save you money and frustration after the fact for not following the correct procedure for coverage to be valid.

Reviewing the claims process in advance also makes it easier to gather needed information at the time of disruption, such as photos or a statement from the travel provider, versus trying to secure the needed documentation once you’ve arrived home from a disrupted trip.

Here’s what you’ll need to know about filing a claim for Chase credit card travel insurance benefits and/or protections.

Each specific travel insurance coverage has stated time limits to report a claim, submit the completed and signed claim form, and for supplying all of the required documentation. Failing to do so could jeopardize the processing of your claim.

The best rule of thumb is to contact the claims administrator as soon as an event occurs . This action can also help you receive proper instructions on how to proceed to make sure your expenses will be covered.

You will be asked to submit documentation for your claim to be processed properly. Keep in mind that Chase is not processing your claim as the card issuer utilizes a third-party claims administrator .

You could be asked to provide any of the following information:

• A completed and signed claim form
• Your credit card statement that includes the last 4 digits of the card and receipts showing you paid for the trip/car rental with the eligible card and/or associated points
• A copy of your common carrier ticket and itinerary
• Any related medical documents and/or death certificate
• Documentation from the travel provider as to why the trip was interrupted, canceled, or delayed
• Receipts for purchases and food expense receipts over $50
• Copy of the travel provider’s cancellation or refund policy
• Any additional documentation requested by the benefit administrator

Hot Tip: The claims process will be easier if you have saved receipts, kept travel provider cancellation/refund policy documentation, and have copies of your ticket information and itineraries. 

Our list of Chase Sapphire Reserve card travel insurance benefits is an overview only. We have also abbreviated the coverage descriptions. You will need to access the official Guide to Benefits for the card for terms, conditions, current coverage limits, and claim procedures.

Also, note that most travel insurance benefits that come with credit cards are normally secondary to other insurance you might have that would otherwise cover the loss. If you are compensated by an airline for lost luggage, for example, you would only have coverage via your credit card for any excess loss you incurred above the airline’s payment (up to the limits of coverage).

Why We Like the Chase Sapphire Reserve Overall

In addition to having one of the best travel insurance offerings among credit cards, the Chase Sapphire Reserve card comes with strong earnings, redemption options, statement credits, and additional benefits.

Here are some of the reasons we like this premium travel rewards card.

Chase Sapphire Reserve ®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve ®  is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access , with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis
• $550 annual fee
• Does not offer any sort of hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck ®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

Financial Snapshot

• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: None

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• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
• Chase Sapphire Reserve Military Benefits
• Amex Gold vs Chase Sapphire Reserve
• Amex Platinum vs Chase Sapphire Reserve
• Chase Sapphire Preferred vs Reserve

The Chase Sapphire Reserve card earns valuable, flexible Ultimate Rewards points on every purchase you make.

Here’s how you’ll earn points on the card:

• 10x earnings on car rentals, hotels, and dining booked via Chase Travel
• 5x earnings on air travel
• 3x earnings on all other travel and dining
• 10x earnings on Lyft rides (through March 2025)
• 1x earnings on all other purchases

When it comes time to redeem your Ultimate Rewards points , you’ll have several options offering various values:

• Transfer Ultimate Rewards points to Chase airline and hotel partners to redeem for award tickets or free hotel nights
• Redeem via the  Chase travel portal  for 1.5 cents each
• Redeem for a statement credit or cash-back at 1 cent each
• Pay Yourself Back to redeem your points for a statement credit at 1.25 to 1.5 each from a list of eligible purchases that rotates
• Redeem for gift cards, experiences, merchandise, or at Amazon and Apple

Other redemption values vary, but always strive to receive no less than 1 cent per point redeemed as you can cash out points for that amount. Transferring Ultimate Rewards points to travel partners can potentially result in the most value for your points. You may also find good value via the Chase travel portal utilizing points at 1.5 cents each for inexpensive flights.

Receiving statement credits for purchases you’ll be making anyway is an effective way to offset the card’s annual fee. Here are the statement credits you can expect from the Chase Sapphire Reserve card:

• $300 Travel Statement Credit — Each card anniversary year, you’ll receive reimbursement for your travel purchases in the form of a statement credit of up to $300.
• Global Entry, NEXUS, or TSA PreCheck Fee Reimbursement — Once every 4 years, you can receive up to $100 reimbursement for Global Entry fees, $50 for NEXUS enrollment, or $78 for TSA PreCheck.

• Complimentary Priority Pass Select Membership — Enjoy access to over 1,400 airport lounge and lounge-alternative properties worldwide with your membership. You’ll also be able to bring in 2 additional guests at no extra charge.
• Complimentary DoorDash DashPass Subscription — You’ll have free delivery on all orders $12 or more and discounted fees (over $100 value). Activate by December 31, 2024.
• No Foreign Transaction Fees — A typical foreign transaction fee can be 3% of your transaction. You won’t have any such fees on your foreign purchases when you use your Chase Sapphire Reserve card.
• Purchase Protection — Use your card to purchase an eligible item and if that item is damaged, stolen, or experiences “involuntary and accidental parting” you could receive up to $10,000 per claim, for a maximum of $50,000 per year . The coverage is valid for 120 days from the purchase date. Gifts purchased for others are also covered.
• Return Protection — If the merchant will not take back any eligible item within 90 days after the purchase date, you could receive up to $500 per item, $1,000 maximum per year.
• Extended Warranty — The manufacturer’s warranty of 3 years or less will be extended for 1 additional year for eligible items. Coverage is limited to $10,000 per claim, $50,000 per account.

Bottom Line: With powerful earning and redemption options, statement credits for specific purchases, worldwide lounge access, and a long list of travel and shopping benefits/protections, the Chase Sapphire Reserve card can be worth the annual fee. 

Alternative Travel Rewards Cards

While we think the Chase Sapphire Reserve card is an excellent choice for a travel rewards card, here are a couple of equally appropriate alternatives for the frequent traveler.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment ( airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit )
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees ( rates and fees )
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card ® , Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card ® . Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card ® . Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR ® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card ® . Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card ® . An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.
• APR: See Pay Over Time APR

American Express Membership Rewards

• Amex Platinum 150k Welcome Bonus Offer
• Benefits of The Amex Platinum
• How to Use 100,000 Amex Platinum Points
• Amex Platinum Card Requirements
• American Express Platinum Military Benefits
• Amex Platinum and Business Platinum Lounge Access
• Amex Platinum Benefits for Authorized Users
• Amex Platinum vs Delta Platinum
• Capital One Venture X vs Amex Platinum
• Amex Platinum vs Delta Reserve

Also packed with a generous collection of travel insurance benefits , the Amex Platinum card shines as a companion for the frequent traveler.

Its lounge access benefits are second to none, plus it offers hotel program elite status, rental car perks , and statement credits for specific purchases. It also earns valuable, and flexible, Membership Rewards points via a generous bonus earnings on eligible travel.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• APR: 21.49%-28.49% Variable
• The Chase Sapphire Preferred 80k or 100k Bonus Offer
• Benefits of the Chase Sapphire Preferred
• Chase Sapphire Preferred Credit Score Requirements
• Military Benefits of the Chase Sapphire Preferred
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If you’re looking for a travel rewards credit card but are reluctant to pay a high annual fee, or you won’t use all of the benefits offered on the Chase Sapphire Reserve card, you might want to consider the Chase Sapphire Preferred card .

The Chase Sapphire Preferred comes with many of the travel insurance benefits and protections offered by the Chase Sapphire Reserve card and it’s one of our favorite travel rewards cards.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $300 annual travel credit on bookings made through Capital One Travel
• Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• 10,000 bonus miles awarded on your account anniversary each year
• Global Entry or TSA PreCheck credit
• Add authorized users for no additional annual fee ( rates & fees )
• No foreign transaction fees ( rates & fees )
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck ®
• APR: 19.99% - 29.99% (Variable)

Capital One Miles

• Benefits of the Capital One Venture X Card
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• Capital One Venture X Credit Score and Approval Odds
• Capital One Venture X Lounge Access
• Capital One Venture X Travel Insurance Benefits
• Capital One Venture vs Venture X
• Capital One Venture X vs Chase Sapphire Reserve
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The newest premium travel rewards card on the block is the Capital One Venture X card . We like that the card comes with an annual $300 credit for travel purchased via Capital One Travel .

The card’s annual fee is also lower than most premium travel rewards cards but you’ll still find travel insurance , worldwide lounge access , Global Entry or TSA PreCheck fee reimbursement, stellar earnings on travel, cell phone protection , and a respectable 2x earnings on all other purchases.

While the high annual fee may be off-putting, the Chase Sapphire Reserve card is packed with plenty of benefits to justify the expense — if you’ll utilize the majority of those benefits.

Our focus today was on travel insurance benefits that alone could save you money, provide compensation, and/or reimbursement if your trip is disrupted. But there is additional value in all the other benefits offered on the card .

A Priority Pass Select membership, for example, will set you back as much as $469 each year, plus $35 for each guest, per visit. The Priority Pass membership that comes with the Chase Sapphire Reserve card offers unlimited access for the cardholder and allows 2 additional guests at no charge.

The card also comes with a $300 travel credit , and up to $100 for Global Entry, NEXUS. or TSA PreCheck fees.

If you can utilize the benefits, the card can be worth it.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

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

Frequently Asked Questions

Does the chase sapphire reserve card have travel insurance.

The Chase Sapphire Reserve card has one of the best travel insurance packages available.

You’ll find a collection of travel insurance coverages that include primary car rental insurance, trip cancellation/interruption, lost and delayed baggage coverage, emergency evacuation and medical, roadside assistance, and more.

Is the Chase Sapphire Reserve card worth the annual fee?

If you will utilize the benefits offered on the Chase Sapphire Reserve card, the card is definitely worth it.

In fact, we’ve estimated that the card offers benefits that could be valued at nearly $3,500.

Does the Chase Sapphire Reserve card have primary car rental insurance?

The Chase Sapphire Reserve card does offer primary car rental insurance.

Primary car rental insurance does not require that you file a claim with your own car insurance company insurance first. If a covered event occurs, you will have coverage on your Chase Sapphire Reserve card.

You must pay for the entire rental with your Chase Sapphire Reserve card and decline the rental car agency’s collision damage waiver coverage for coverage to be valid.

Can I have more than 1 Chase Sapphire credit card?

While you can have more than 1 Chase credit card, you can only be the primary cardholder on 1 Chase Sapphire credit card, either the Chase Sapphire Reserve card or the Chase Sapphire Preferred card. You could, however, be an authorized user on another Sapphire card.

Which card is better, the Chase Sapphire Preferred card or the Chase Sapphire Reserve card?

Both the Chase Sapphire Preferred card and Chase Sapphire Reserve card offer benefits for the frequent traveler.

The better card for you will depend on your spending mix, your preferred redemption options, your tolerance for paying an annual fee, and the level of travel benefits/protections you will use on the card.

To assist you further, we’ve put together a detailed article comparing the 2 cards. Access our article on the Chase Sapphire Reserve card vs. the Chase Sapphire Preferred card .

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Chase Sapphire Travel Insurance Offered On Cards

T he Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card are two of Chase's most coveted credit card products. With benefits ranging from travel and dining to lounge access and purchase protection, each card has its own set of perks. And one of these perks that's especially beneficial is the travel insurance offered on Chase Sapphire cards. Although you probably won't need to use it often, this particular perk can be a lifesaver if travel doesn't go quite as planned.

Don't wait for something unfortunate to happen on your trip to understand how the insurance works. Find out what's covered, how to claim it and other essential information that can help you best utilize this credit card benefit when things go wrong with this guide to Chase Sapphire travel insurance.

How Does Chase Sapphire Travel Insurance Work?

Chase's Sapphire travel insurance can cover your trip in case of cancellation or interruption, reimburse expenses due to trip delays or lost/delayed baggage and provide supplemental medical insurance or evacuation coverage in case of accident or emergency.

To use Chase Sapphire travel insurance, you must be a Chase Sapphire cardholder and have used that card to pay for some or all of your travel costs for whatever particular trip you'd like to claim the insurance on. Chase defines the cardholder as someone whose 'name is embossed on an eligible Card issued in the United States.' In many cases, spouses, children and immediate family members* may also be covered, even when the cardholder isn't traveling with them, but this varies by card and insurance benefit.

Finally, it's important to know that travel insurance benefits vary by Sapphire card. The travel insurance benefits the Chase Sapphire Reserve card offers can differ from the travel insurance benefits the Chase Sapphire Preferred card provides.

What Is Covered With Chase Sapphire Travel Insurance?

Here are the various travel insurance benefits available for Chase Sapphire cardholders:

Trip Cancellation/Interruption Insurance

This benefit offers reimbursement of up to $10,000 per covered person and $20,000 per trip for cancellation or interruption of travel for the cardholder and immediate family members, assuming a part of the trip has been charged to the cardholder's Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. Maximum coverage in a 12-month period is limited to $40,000.

Eligible travel expenses are considered non-refundable, prepaid travel expenses, things like flights, cruises, hotels, car rentals and more. If you paid using Rewards points, you'll be reimbursed at their monetary value or at $.01 per point.

Chase Sapphire Travel Insurance covers situations like:

• Injury, illness or hospitalization that prevents you from traveling
• Severe weather events
• Jury duty or military order
• Quarantine imposed by a physician
• The lodging at your destination becoming uninhabitable

Chase Sapphire Travel Insurance doesn't cover situations like:

• A change in your financial circumstances
• Failure to obtain required visas or passports
• Not wanting to travel due to civil unrest

Trip Delay Reimbursement

This insurance benefit offers reimbursement for reasonable expenses incurred during a trip delay for up to $500 for each ticket purchase when you're delayed for more than six hours or require an overnight stay for Chase Sapphire Reserve cardholders and more than 12 hours or require an overnight stay for Chase Sapphire Preferred cardholders.

The benefit extends to both the cardholder and accompanying family members (spouses and children under 26). The insurance covers reasonable expenses such as meals, lodging, toiletries and medication.

Travel Accident Insurance

If you have a transportation incident during travel, travel accident insurance covers you, assuming you paid for the transport using a Chase Sapphire card. Travel accident insurance extends to the cardholder and immediate family members.

For Chase Sapphire Preferred cardholders, the covered loss of life benefit amount in the case of a common carrier travel accident (like a flight, cruise, or train incident) is $500,000 per insured person. The 24-hour travel accident insurance, meanwhile, is $100,000. Specific losses covered include things like loss of sight, hearing or limbs.

For Chase Sapphire Reserve cardholders, a maximum amount of up to $1 million is covered for common carrier travel accidents, while 24-hour travel accident insurance remains at $100,000.

Travel and Emergency Assistance Services

If you run into an emergency when traveling, you have access to complimentary assistance along with your spouse and any dependent children under 22 who are traveling with you. This includes things like emergency transportation assistance, medical referrals and legal referrals. However, the costs of these services aren't covered, just the help in sourcing them.

Lost Luggage Reimbursement

If your or your immediate family members' luggage is lost, your checked and carry-on baggage are each covered for up to $3,000 per person per trip. Jewelry and watches are capped at $500 per covered person as are cameras and other electronics.

These items aren't covered in the policy:

• Items you may have left behind
• Documents/papers
• Travelers' Checks

Baggage Delay Insurance

If your or your immediate family members' baggage is delayed for more than six hours, this benefit offers reimbursement for emergency purchases of essentials like toiletries, chargers and clothing. You can get up to $100 daily (up to a maximum of five days).

There's a long list of items that aren't covered; here are some to note:

• Jewelry and watches
• Cameras and electronics
• Hearing aids

Auto Rental Collision Damage Waiver

You can also benefit from the Auto Rental Collision Damage Waiver. The Sapphire version of coverage is Primary , meaning you don't have to file with your insurance company first. This offers reimbursement for damages caused by theft or collision up to $75,000 for rental periods up to 31 days when the Chase Sapphire Reserve card is used to pay for the entire car rental transaction.

Cardholders of the Chase Sapphire Preferred also have this benefit, but the reimbursement amount for damages caused by theft or collision is capped at the Actual Cash Value of most rented cars.

Additional Benefits Covered With Chase Sapphire Reserve Travel Insurance

These are two additional travel insurance benefits available only for Chase Sapphire Reserve cardholders. Here's what they cover.

Emergency Evacuation and Transportation

This benefit covers emergency evacuation and transportation up to $100,000 for you, your spouse and eligible children under the age of 19 (or 26 if they're enrolled as a full"time student at an accredited university). Note that this must be pre-approved by Chase in conjunction with a doctor who certifies that the evacuation is necessary due to severe injury or illness. This benefit also covers repatriation of remains up to $1,000.

Emergency Medical and Dental Benefits

Chase Sapphire Reserve travel insurance also offers emergency medical and dental benefits. Oddly, this benefit only applies to trips that were arranged by a travel agency.

The amount covered is up to $2,500 with a $50 deductible on covered trips. In addition to the cardholder, this benefit covers spouses/domestic partners and/or legally dependent children under 19 (or 26 if legally enrolled as a full-time student at an accredited university).

Do note that this benefit doesn't cover medical situations caused by adventure activities that travelers may do, like scuba diving, parachuting, rock climbing and beyond.

How Do I Claim My Chase Sapphire Travel Insurance?

To file a claim with Chase Sapphire Travel Insurance, you must call the Benefit Administrator. Each type of insurance has different requirements for what documentation you need to provide when submitting a claim.

Each type of claim also has a different time period allowed for submitting a claim. These are the following timelines to know:

• For Trip Cancellation/Trip Interruption claims : Submit within 20 days of cancellation/interruption. Then, return the completed and signed forms/requested documentation within 90 days (or a maximum of one year after the 90-day deadline).
• For Trip Delay Reimbursement claims : Submit within 60 days of delay. Then, return completed and signed forms/requested documentation within 100 days.
• For Lost Luggage claims : Start by filling out the proper documentation for the airline that lost your luggage (save a copy). Contact the Benefits Administrator within 20 days of when your baggage was lost, damaged or stolen. You should receive a claim form within 15 days, which you should submit, alongside documentation, within 90 days.
• For Baggage Delay claims : Start by completing the proper documentation for the airline on which your bag was delayed (save a copy). Contact the Benefits Administrator within 20 days of the delay, then return documentation and forms within 90 days (or a maximum of one year after the 90-day deadline).
• For Auto Rental Collision Damage Waiver claims : Request the proper documentation from the car rental company (and police, if applicable), then contact the Benefits Administrator within 100 days of the incident. Submitting documentation varies by state but is usually required within 120-365 days of the incident.
• Emergency Evacuation and Transportation claims : Call the Benefits Administrator immediately upon incident, then submit the claim and documentation within 180 days of the occurrence.
• Emergency Medical and Dental Benefits claims : Call the Benefit Administrator within 90 days of receiving medical care on your trip, then submit the claim and documentation within 180 days of the occurrence.

Chase Sapphire Reserve cardholders can call 1-888-675-1461 while in the U.S. or call collect at 1-804-281-5772 while outside of the U.S. to file claims. Chase Sapphire Preferred cardholders can call 1-888-320-9961 while in the U.S. or call collect at 1-804-673-1691 while outside of the US to file claims.

An alternative is to visit www.eclaimsline.com to submit your claims.

Bottom Line

Hopefully, you won't need to use it, but it's nice to know Sapphire cardholders have access to Chase Sapphire travel insurance benefits that can help you out of a minor (or serious) pickle.

However, it's important to read the fine print for both the Chase Sapphire Preferred travel insurance benefits and the Chase Sapphire Reserve travel insurance benefits , as there are many exclusions and provisions that you should know before submitting a claim. And when it comes to submitting those claims, make sure to do so within the allocated time periods to ensure coverage.

*Unless otherwise specified within each type of insurance, Chase states that 'Immediate family members include: spouse, and parents thereof; sons and daughters, including adopted children and stepchildren; parents, including stepparents; brothers and sisters; grandparents and grandchildren; aunts or uncles; nieces or nephews; and Domestic Partner and parents thereof, including Domestic Partners and spouses of any individual of this definition. Immediate Family Members also include legal guardians or wards.'

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How does travel insurance work on a credit card.

Credit card travel insurance protects you from some unforeseen circumstances that may disrupt your travel plans. If your credit card includes travel insurance, you may be reimbursed if your travel is affected by weather, health issues or certain kinds of emergencies outside your control.

Typically, credit card travel insurance only covers the expenses that you charge to that specific card. And because different cards have different travel insurance policies, it's important to read the fine print in your card's terms and conditions to understand your coverage levels.

What is travel insurance?

Travel insurance provides protection for expenses associated with travel, both domestic and international. Travel insurance may reimburse you if your trip gets cancelled, delayed or interrupted--or if you have to pay medical costs that your primary health insurance can't cover.

Travel insurance benefits can be broken down into a few different categories:

• Trip cancellation insurance may reimburse you if your pre-booked, non-refundable flight (that was booked with the same credit card) is cancelled under unforeseen circumstances, such as injury or if your flight is cancelled due to weather conditions or other.
• Your credit card's trip cancellation insurance may reimburse you for prepaid flights and hotel stays booked with your credit card. 
• Trip interruption insurance (for trips that end earlier than planned) may cover expenses like the cost of a last-minute flight home. In most cases, only the part of your trip that was interrupted will be eligible for reimbursement.
• Travel delay insurance may reimburse expenses, such as a hotel stay, that arise from severe delays.
• Medical insurance works like a supplement to your existing health insurance, which may not cover medical costs that you incur abroad. Evacuation insurance covers the costs associated with an evacuation following a weather event or other disruption.
• Baggage insurance is supplemental to coverage provided by your airline or via your homeowners or renters insurance policy. Baggage coverage may reimburse you for the actual or replacement cost of your possessions, should they go missing as you travel.

What are the benefits of credit card travel insurance?

Many airlines and tour operators offer travel insurance as an add-on at point of purchase. Credit card travel insurance, on the other hand, is a feature offered on certain credit cards.

Credit card travel insurance provides the following benefits:

• Financial protection : Comprehensive credit card travel insurance can provide full coverage should a covered event--such as severe weather, a medical emergency affecting you or a loved one, or loss of employment--occur. In many cases, travel insurance may require you to pay any expenses out of pocket, then file a claim later for reimbursement.
• Evacuation assistance : If your credit card travel insurance includes evacuation coverage, you can get help securing transport when a covered event (like weather or a political incident) disrupts your travels. Depending on the coverage provided by your credit card travel insurance plan, even emergency medical evacuations such as those on a private jet-may be covered.
• Supplemental medical coverage : Many health insurance plans don't cover medical costs incurred outside the country. Even those that do are likely to charge a deductible. Credit card travel insurance that includes medical coverage may pay for some medical costs, including your primary plan's deductible.
• Peace of mind : Having credit card travel insurance can give you the confidence to make bold travel plans--or jet somewhere sunny in the dead of winter. A major storm might snarl your vacation plans, but with travel insurance you may get fully reimbursed.

What questions should I ask about credit card travel insurance?

Credit card travel insurance provides many benefits, but be sure to understand what coverage your card provides before you book a trip. Do your research and ask questions to maximize the value of your credit card's travel insurance program:

• What coverage levels does my card offer? Get a copy of your card's full terms and conditions to learn exactly what kinds of travel coverage are included.
• Are my family members covered by my credit card travel insurance? Travel insurance typically covers events that affect your immediate family: for example, if your child gets sick before you embark on a flight. Your more distant relatives--and pets--may not be covered, however.
• What specific events are covered? Understanding the events that can trigger a claim is crucial to getting the most out of travel insurance. For instance, involuntary unemployment may qualify you for cancellation protection--but leaving your job voluntarily may not.

Relying on credit card travel insurance

Credit card travel insurance can offer financial protection and peace of mind when you travel. Take the time to understand how your card's travel insurance works-and be aware that only expenses charged to your card are likely to be covered.

Chase Sapphire is an official partner of the PGA Championship .

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Your Aeroplan ® Card keeps you covered

• Travel Benefits same window - benefits page
• Protection Benefits same window - benefits page

Aeroplan makes it easy to take the trip you want

Get premium service and flexibility when you use your Aeroplan Card for travel.

Free First Checked Bags

Cardmembers and up to eight travel companions traveling on the same reservation will all enjoy free first checked bags when travel originates on an Air Canada flight. Opens terms & conditions overlay and links to footnote 9

No Foreign Transaction Fees

Pay no foreign transaction fees when you use your card for purchases made outside the United States. Opens terms & conditions overlay and links to footnote 10

Global Entry or TSA PreCheck ® or NEXUS Fee Credit

Receive a statement credit of up to $100 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card. Opens terms & conditions overlay and links to footnote 11

Preferred Pricing

Receive access to preferred pricing on flight rewards. As the Primary Cardmember, you can often book flight rewards for even fewer points. Opens terms & conditions overlay and links to footnote 12

Mastercard Concierge

Enjoy exclusive, personal assistance with dinner reservations, event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business-related arrangements. Opens terms & conditions overlay and links to footnote 13

Every Seat, Every Flight, No Restrictions

Every Air Canada seat available to buy for cash is also available for points – no restrictions.

10% bonus on Ultimate Rewards ® points transfers

Chase Aeroplan credit cardmembers get a 10% transfer bonus after transferring 50,000 or more Ultimate Rewards points in a single transaction from an eligible Chase credit card to their Aeroplan account. Maximum of 25,000 bonus points per calendar year. Opens terms & conditions overlay and links to footnote 14

The card that gives you peace of mind

Your Aeroplan Card comes with built-in protections that let you travel and shop with confidence.

Zero Liability Protection

You won't be held responsible for unauthorized charges made with your card or account information. Opens terms & conditions overlay and links to footnote 15

Fraud Alerts

We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. Opens terms & conditions overlay and links to footnote 16

Trip Cancellation/ Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations. Opens terms & conditions overlay and links to footnote 17

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days. Opens terms & conditions overlay and links to footnote 17

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. Opens terms & conditions overlay and links to footnote 17

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance. Opens terms & conditions overlay and links to footnote 17

Roadside Assistance

If you have a roadside emergency, call the Benefit Administrator to dispatch the help you need. Roadside service fees will be billed to your card. Opens terms & conditions overlay and links to footnote 17

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. Opens terms & conditions overlay and links to footnote 17

What the Wells Fargo Autograph Journey Visa Card offers

How other travel cards compare to the wells fargo autograph journey℠ visa® card, 3 key benefits cardholders get from the autograph journey , move over, chase sapphire preferred. this new travel credit card is turning heads.

Wells Fargo's newest card has one key advantage over the gold standard in travel cards.

Holly Johnson

Contributor

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards.com, Forbes Advisor and Investopedia, Johnson owns Club Thrifty and is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love."

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

The Wells Fargo Autograph Journey℠ Visa® Card * -- Wells Fargo’s latest and best travel card -- recently launched with an impressive set of features. Its competitive rewards, welcome bonus and redemption options take aim at incumbent travel credit cards from Chase, American Express and Capital One.

What gives Wells Fargo’s first foray into the point-transfer space an edge is that you don’t have to book travel in a portal to earn the highest rewards rates. 

Here’s why we think the Wells Fargo Autograph Journey could go toe-to-toe with some of the best travel credit cards, plus three insider tips to help you decide if you should add it to your credit card lineup.

Here’s a quick overview of what you can expect with the Autograph Journey:

• Earn 60,000 welcome bonus rewards points after spending $4,000 in purchases within three months of account opening.
• Earn unlimited 5x points on hotels, 4x points on airlines, 3x points on other travel and dining and 1x on other purchases.
• Receive an annual statement credit with a $50 minimum airline purchase.
• No foreign transaction fees.
• Other benefits include trip cancellation and interruption insurance, lost luggage reimbursement, roadside dispatch and cell phone insurance.
• $95 annual fee.

Wells Fargo Autograph Journey℠ Card

Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit Card

Here’s a rundown of four facts we discovered about the Autograph Journey that you should know when deciding whether to apply.

1. You can transfer points with Wells Fargo point-based cards

The launch of the Autograph Journey also marks the first transferable points program from Wells Fargo, which joins other card issuers like Chase and Capital One, which have their own pooling programs .

Autograph Journey will be able to do a points transfer with the no-annual-fee Wells Fargo Autograph℠ Card . This is especially notable since the Wells Fargo Autograph℠ Card offers bonus rewards in different categories than the Autograph Journey. 

For example, the Autograph card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans, plus 1x points on other purchases. So you can maximize your point earning across different categories, then transfer your points to your Autograph Journey account to access premium travel redemptions.

2. It offers more options for earning bonus miles on travel than some competitors

The Autograph Journey will offer more flexibility than many travel rewards cards when it comes to earning more points on travel purchases. For example, cardholders earn unlimited 5x points on hotels booked directly with hotel brands and 4x points on airfare booked with airlines. 

This helps the card stand out from other popular travel credit cards that offer the most bonus points only if you book travel through their portals. For example, the Capital One Venture Rewards Credit Card * and the Capital One Venture X Rewards Credit Card * only offer the highest bonus rewards on travel booked through Capital One Travel. The Chase Sapphire Preferred® Card also offers its highest rate of 5x points on travel booked through Chase Travel℠, whereas other travel purchases earn 2x points.

Autograph Journey cardholders also earn a minimum of 3x points on other travel purchases, which could include rental cars, cruises and travel booked through online travel agencies like Expedia and Priceline.

3. The card may grow in value as more transfer partners join

The Autograph Journey Card will earn flexible travel rewards points that transfer to a selection of airline and hotel partners, similar to Amex Membership Rewards points or Chase Ultimate Rewards . While the list of transfer partners is limited, Wells Fargo stated in its initial press release that “more partners will continue to be added throughout the year.”

Points transfers could dramatically change the value proposition of the Autograph Journey, especially if new partners include domestic airlines and popular hotel loyalty programs. 

Wells Fargo point transfers will be available to new cardholders starting on April 4. For now, Wells Fargo transfer partners include the following:

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* All information about the Wells Fargo Autograph Journey, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

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Chase sapphire preferred review: a standout travel card with impressive perks.

Whether you just learned about travel credit cards on TikTok or are a seasoned pro at using rewards to reduce vacation costs, the Chase Sapphire Preferred® card is an excellent option to help you save on travel. It has a generous rewards program and new cardmember bonus and, if you use your card to book your airfare and accommodations, it also provides you with significant protections and added benefits.

However, the card has an annual fee and no promotional annual percentage rate (APR) for purchases or balance transfers. Whether the Chase Sapphire Preferred card would be a worthwhile addition to your wallet depends on your spending and travel habits.

Chase Sapphire Preferred Card

Annual fee : $95

Welcome offer : Earn 60,000 bonus points after spending $4,000 in the first three months

5x points on travel booked through Chase

5x points on Lyft rides (through March 31, 2025)

5x points on Peloton purchases over $150 (through March 31, 2025)

3x points on dining, select streaming services, and online grocery purchases

2x points on other travel purchases

1x points on everything else

More details : $50 annual hotel credit, 25% higher redemption value when you use points to book travel through Chase, and perks at partners like DoorDash, Instacart, Lyft, and Peloton.

The Sapphire Preferred’s variable APR ranges from 21.49% to 28.49%, depending on your credit.

The Chase Sapphire Preferred Card has an annual fee of $95. Even occasional travelers may find it easy to recoup that cost with the card’s added benefits.

Welcome offer

New card members can earn 60,000 bonus points after spending at least $4,000 on purchases within the first three months of opening an account. Those points are worth $750 if you use them to book travel through Chase.

You're only eligible for the bonus if you haven't received another Chase Sapphire card member bonus — such as from the Chase Sapphire Reserve Card — within the past 48 months.

This card doesn’t offer a 0% introductory APR on purchases or balance transfers. The standard APR applies right away.

Rewards rate

You can earn the following rewards with the Chase Sapphire Preferred Card :

5x points on travel purchased through Chase Travel

3x points on dining, including qualifying delivery services and takeout

3x points on groceries purchased online (excluding wholesale clubs, Target , or Walmart )

3x points on select streaming services

1x points on all other purchases

How to earn rewards

You’ll earn points on every purchase you make with the Sapphire Preferred Card . However, you can maximize your earnings by booking travel like flights, hotels, and rental cars through Chase — this nets you 5x points, compared to the 2x points you earn when booking elsewhere.

In addition, dining will net you 3x points, whether you dine in a restaurant, drop in for takeout, or order through an eligible delivery service. If you frequently purchase groceries online, you could also reap larger rewards. However, popular retailers like Target or Walmart don’t qualify.

You don’t earn rewards on any credits, cash advances, or balance transfers .

How to redeem rewards

The Chase Ultimate Rewards program offers several ways to cash in your points, offering more flexibility than some other cards. But, using your points to book travel through Chase or transferring them to a loyalty program partner can maximize your point value.

If you redeem your points through Chase Travel, you’ll receive a 25% bonus on your points’ value. But if you don’t find what you’re looking for there, you can transfer your points directly to a partner airline or hotel. Points transfer at a 1:1 ratio to over a dozen travel partners.

In addition, you can cash in your points via:

Statement credits

Credits for qualifying purchases

Amazon and Apple purchases

Bookings made through Chase Experiences or Chase Dining

Additional benefits

You’ll earn an annual $50 credit after booking a hotel through Chase Travel. Maxing out that perk alone essentially cuts the annual fee in half.

In addition, you earn bonus points on your account anniversary each year. Get a bonus equal to 10% of your spending over the last 12 months. If you spent $20,000 on the card last year, for example, you’ll get a 2,000-point anniversary bonus.

The Chase Sapphire Preferred Card is an excellent card to take with you when you travel. It doesn't charge foreign transaction fees, making it especially useful if you're traveling outside of the U.S. Plus, it provides the following travel benefits:

Trip cancellation/interruption insurance: If you use your card to pay for your travel and your trip is canceled or interrupted due to weather, illness, or other covered events, you'll be reimbursed up to $10,000 per person and up to $20,000 per trip for non-refundable expenses like fares and hotel stays.

Baggage delay insurance: If your baggage is delayed by six hours or more when traveling by a passenger carrier, get reimbursed up to $100 per day for up to five days.

Auto rental collision damage waiver: The card provides primary coverage against theft or collision damage if you decline the car rental company's insurance and pay for the entire cost with your card.

Trip delay reimbursement: If your travel on a common carrier is delayed by 12 hours or more, the card will reimburse you for food and lodgings, up to a maximum of $500 per ticket.

Travel and emergency assistance: If you need help while traveling, you can call a benefits administrator for legal and medical referrals, but you're responsible for the cost of any services provided.

The Sapphire Preferred also provides the following benefits:

Purchase protection: New purchases made with the card are covered against theft or damage for up to 120 days for up to $500 per claim and $50,000 per account.

Extended warranty: On purchases with warranties of three years or less, the card will extend the warranty.

Partner benefits: For a limited time, you can take advantage of the following:

5x points on Lyft rides through March 31, 2025

5x points on purchases of $150 or more of Peloton equipment (up to a maximum of 25,000 points) through March 31, 2025

Six months of complimentary membership to Instacart+ if you enroll by July 31, 2024

Get a complimentary DoorDash and Caviar membership and take advantage of $0 delivery fees if you enroll by Dec. 31, 2024

Who is the Chase Sapphire Preferred best for?

While frequent travelers should easily recoup their costs with the rewards they earn, you don’t need to travel every month to get good use out of the Sapphire Preferred . Even occasional vacationers can come out ahead with a little planning.

Consider the card’s welcome bonus of 60,000 points after spending at least $4,000 in the first three months. Those points are worth $750 when redeemed through Chase Travel — enough to offset the $95 annual fee for the first seven years. Add in the card’s numerous other perks, including an annual $50 hotel credit, and it’s easy to see how many people could use this card to their advantage.

However, if you rarely travel or don’t often spend in the card’s bonus reward categories, you may not have much use for this card. The same goes for applicants who aren’t eligible for the welcome bonus or who might struggle to spend the $4,000 necessary to earn it. If you fall into any of these categories, you may have to work a little harder to make this card worthwhile.

Chase Sapphire Preferred pros

Competitive earning categories: This card offers solid rewards for both travel and everyday categories. If you can maximize these on a regular basis, you could quickly rack up points.

Bonus redemption value : Redeeming your points through Chase Travel offers a 25% bonus in your points’ value. That means you can stretch your rewards farther and get more bang for your buck.

Transfer partners : If you prefer to book travel directly with the provider, it’s easy to transfer your points to more than a dozen airline and hotel partners. Doing so could increase the value of your rewards even more, depending on what you redeem them for.

Travel protections: Frequent travelers may be put at ease by the Sapphire Preferred’s ample travel insurance and reimbursement opportunities. Notably, the card offers primary rental car coverage ; many travel cards only offer secondary coverage for rentals, meaning any claims must go through your personal car insurance first before the card’s insurance will kick in.

Chase Sapphire Preferred potential cons

No promotional APR: Unlike many cards, the Sapphire Preferred doesn't have a promotional APR offer on purchases or balance transfers.

Annual fee: While there are many rewards cards without annual fees , this card has a $95 annual fee. Make sure the rewards and perks you earn outweigh that cost.

High-value redemption options may be limited: You must redeem your points for travel through Chase or transfer points to a travel partner to get the most value for your rewards. Other redemption methods, such as gift cards or statement credits, give you less value for your points.

High spending requirement for new cardmember bonus: The new cardmember bonus is relatively high, but it requires you to spend at least $4,000 within three months of opening an account. That works out to about $1,330 a month in purchases, which may be out of some cardholders’ typical budgets.

Where can you use the Chase Sapphire Preferred Card?

The Chase Sapphire Preferred Card is a Visa card, meaning it belongs to the largest credit card network. It's accepted by most physical and online retailers.

How to make a Chase Sapphire Preferred payment

You can make a payment online, through the Chase mobile app, over the phone or by mail:

Online or in-app: Visit chase.com/paycard or download the Chase app and log into your account to make a payment via a linked checking or savings account.

Phone: You can make a payment 24 hours a day, seven days per week, through Chase's automated phone line at 1-800-436-7958.

Mail: Mail a check or money order to the following address: Cardmember Services P.O. Box 6294 Carol Stream, IL 60197-6294

Chase Sapphire Preferred customer service info

To get help with your account, contact customer support through the following methods:

Phone: 1-800-432-3117

Chase’s credit card resource center

Chase Sapphire Preferred login page

Alternative cards to consider

Capital one quicksilver cash rewards credit card.

Why we like it: The Quicksilver Cash Rewards card stands out for its straightforward 1.5% cash back on all purchases, offering simplicity compared to the Chase Sapphire Preferred's category-based reward system. With no annual fee, it’s also a more cost-effective option for those who prefer a hassle-free experience. Additionally, its flexible redemption options, allowing cash back to be redeemed in any amount at any time, provide greater accessibility and convenience for users.

Read a comparison of the Quicksilver Cash Rewards card .

Chase Sapphire Reserve®

Why we like it : The Chase Sapphire Reserve offers significantly higher rewards, particularly with its 3x points on travel and dining worldwide, compared to the Sapphire Preferred's 2x points in these categories. Its inclusion of a $300 annual travel credit effectively offsets a substantial portion of the higher annual fee, making it more valuable for frequent travelers. Additionally, the Reserve provides superior travel benefits like access to over 1,300 airport lounges worldwide through Priority Pass Select, enhancing the overall travel experience.

Read our full review of the Chase Sapphire Reserve .

Blue Cash Everyday® Card from American Express

Why we like it : The Blue Cash Everyday Card from American Express is appealing for its strong cash-back rates in everyday spending categories, offering 3% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). This is more beneficial for typical shoppers compared to the Sapphire Preferred, which only offers bonus grocery rewards for online orders.

It also stands out with a $0 annual fee, making it a cost-effective choice for budget-conscious consumers. Plus, the card’s introductory 0% APR on purchases and balance transfers for the first 15 months is a significant perk that the Sapphire Preferred doesn’t offer. (See rates and fees .)

This article was edited by Alicia Hahn

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers.

A crash course in how to use Chase Sapphire rental car insurance

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Just imagine that you’re driving through paradise, it’s the golden hour, the sun is setting on the horizon and you pull off the side of the road to catch that once-in-a-lifetime Instagram worthy pic. Just then you hear a loud screech, and a boulder on the side of the road digs into the side of your car, ripping the metal to shreds. Any moment of zen or happiness is lost as you start to worry about whether or not you’re on the hook for this car repair and your vacation is ruined. 

This was the exact scenario that happened to me on a recent trip to Hawaii. Having a Chase Sapphire credit card in my wallet not only saved me from the stress of dealing with the car rental company, I was able to get a replacement car and be on my way and enjoy the rest of my vacation with peace of mind.

How to get Chase Sapphire rental car insurance

The great part about rental car insurance with the Chase Sapphire family of cards is that there’s nothing special that you have to do in order to receive this benefit. The benefit is a part of the very wide suite of benefits that you get by being a cardholder. It’s included, along with all the other travel protections, in your annual fee.

Holding either the Chase Sapphire Preferred ® Card or the Chase Sapphire Reserve® is only the first step in activating this powerful perk.

Chase Sapphire Preferred ® Card

Intro bonus.

Rewards Rates

• 5x 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit)
• 3x 3x points on dining at restaurants, including takeout and eligible delivery services
• 2x 2x points on travel purchases not booked through Chase
• 1x 1x points on other purchases
• 5x 5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel)
• Valuable welcome bonus
• Extensive list of transfer partners
• Extra value on travel redemptions
• No premium travel perks
• Has an annual fee
• Additional perks: $50 annual hotel credit, trip cancelation/interruption insurance, auto rental collision damage waiver, complimentary Doordash and Instacart+ membership along with quarterly Instacart+ credits
• Foreign transaction fee: None

How do I activate Chase Sapphire’s Auto Rental Collision Damage Waiver?

While there is no extra fee involved with the insurance, you do have to make sure that you complete two very simple steps in order to qualify.

First, you’ve got to charge the full amount of the rental car with your Sapphire card. If you end up making the transaction with a different card, you won’t be covered. Holding the card isn’t enough, you’ve gotta make sure to pay for it with the same card. However, making an award booking using points from a Sapphire card does count. 

Second, you’ve got to decline the rental car company’s collision waiver, commonly called a CDW or LDW. If you accept their coverage, you will nullify the free coverage provided by Chase.

Chase Sapphire Reserve®

• 10x 10x points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
• 5x 5x points on flights through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
• 3x 3x points on other travel and dining immediately after the first $300 is spent on travel purchases annually.
• 1x 1x point on all other purchases
• Generous rewards on travel and dining
• Annual travel credit
• High annual fee
• Subject to Chase 5/24 rule
• Additional perks: Airport lounge access, purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership along with monthly Instacart+ credits

What kind of insurance do Chase Sapphire cards offer?

The insurance is very similar between the Chase Sapphire Preferred and the Chase Sapphire Reserve, but the limits are a bit different. The first thing to know is that Chase Sapphire’s insurance is primary, meaning you won’t have to go through your insurance company first if you have a claim. That’s a huge hassle-saver.

The auto rental insurance (officially called Auto Rental Collision Damage Waiver) covers reimbursement for theft or collision damage to your rental car. If you have the Chase Sapphire Preferred, you’re covered up to the actual cash value of the car. If you have the Chase Sapphire Reserve, the limit is much higher, for a total of $75,000. You’ll be covered for:

• Valid loss of use charges
• Administrative fees
• Towing charges to the nearest facility

How do I file a claim with the Chase Sapphire Rental Car Insurance?

Assuming your car is driveable and you manage to make it back to the rental car facility, there are a few things you’ll need to ask for from the rental car company. Keep hold of these, because the Chase team will be asking for them later.

• Copy of the accident report
• Copy of the front and back of the entire rental agreement
• Copy of the repair bill including itemizations
• A minimum of 2 photos of the damaged car
• A police report, if you filed one
• Copy of the demand letter prepared from the rental car company

Once you’ve got all of these, you’ve got to call the benefit administrator within 100 days from the date of the incident. In other words, don’t feel like you’ve got to call the credit card company while the smoke is coming out of the engine. You’ll be able to get home, relax, gather your documents, and then call.

The benefit administrator will make sure to tell you everything else that you need, but you’ll need your credit card statement and a completed form that they’ll send you as well. Hate talking to people on the phone? Never fear, an online claims process has been established. You can start and finish your claim online via this link .

Are there any special limitations?

Don’t think you’re going to be able to become a speed demon in a Lamborghini and crash it into the side of the highway. If you’ve got the Chase Sapphire Preferred, some of the brands not covered by this policy include Alfa Romeo, Jaguar, Maserati, Porsche and Tesla. The Chase Sapphire Reserve doesn’t have this limitation, but the $75,000 limit still applies.

You might also think you’re covered if you’ve made other common rentals like passenger vans or other trucks like U-Hauls, but you would be mistaken. Similarly, mopeds, motorcycles, motorbikes and RVs aren’t covered.

There are a few other things to keep in mind about this rental car insurance, considering that it is only meant to cover the cost of the vehicle and its associated costs:

• Theft to your personal property is not included
• Liability insurance is not a part of this benefit
• Injury to you or anyone else is not covered
• If you’re found to be intoxicated or otherwise incapacitated, that voids your coverage
• If you head off roading, you’ll cancel your coverage
• If you rent the car for longer than 31 days, you won’t be covered

How I used Chase Sapphire’s Auto Rental Collision Damage Waiver

My adventure with Chase Sapphire’s rental car insurance started with an abrupt stop in Maui. After I realized I had smashed into a boulder and had a miniature freak out, it became clear that the car was undriveable. I called the number for the rental car company and told them I had an accident. The tire was flat and the wheel well was bent to a point that I couldn’t drive it if I wanted to. They dispatched a tow truck for us, so we had plenty of time to just chill out and enjoy the sunset.

We were towed back to the airport where we dropped off the car and filed out all their accident reports. Since we still had two more days left in our vacation, we picked up a new car and promised that we wouldn’t run into any more boulders.

Once we got back home, the calls started pretty frequently from the rental car facility, wondering who would be paying for the car. I told them that I was contacting my insurance company, in this case Chase, and would get back in touch with them. I called the benefit administrator on the phone and the process couldn’t have been easier. I uploaded the documents and was assured that they would take care of everything.

Magically, that was the end of my interactions with the rental car company. The benefit administrator took care of everything. I wasn’t on any sort of black list with the rental car company since the car was paid off and they got what they needed.

Are the Chase Sapphire cards worth it?

Many people wonder if the annual fee is worth it on credit cards, and often seek out low or no annual fee credit cards. Considering the cost to replace a new car would have been multiple tens of thousands of dollars, it’s safe to say that the $95 we pay every year for the Chase Sapphire Preferred was well worth it. While the Chase Sapphire Reserve has a higher fee, the other benefits can outweigh the fee as well if you consider all the other benefits that you get with the card, including Ultimate Rewards and other travel protections, the annual fee seems like an easy pill to swallow.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to travel credit cards

Best travel credit cards of april 2024, 10 credit card tips to help you avoid disaster when traveling abroad, how credit card travel insurance works—and what it doesn’t cover, insure your adventures: the ultimate guide to credit cards offering travel insurance, how credit card rental car insurance saves money on every rental, chase beefs up new york profile with a new jfk sapphire lounge—here's what you need to know, biggest-ever amex centurion lounge opens in atlanta — with outdoor terraces and bars for both whiskey and smoothies, amex centurion lounge atlanta: what to expect now that it’s open, how to use your credit card to save on travel as airline costs soar, do you have travel rewards saved up these are the best ways to use them, 5 ways your credit card can help you save on spring break travel costs, chase sapphire reserve: a rockstar among premium travel cards, chase sapphire preferred review: versatile travel rewards without a premium annual fee, capital one venture x review: premium travel benefits at a reduced price, capital one ventureone rewards card review: unlimited travel rewards with an intro apr offer and no annual fee, u.s. bank altitude® connect visa signature® card review: a well-rounded low-cost rewards card with extra perks for occasional travelers, wells fargo autograph visa card review: a travel rewards card for the budget-conscious consumer, bank of america® travel rewards credit card review: a simple travel rewards card with basic features, world of hyatt card review: a rapid free-night generator that every hyatt loyalist should have in their wallet, chase ink business preferred: stellar travel perks for a low annual fee, wells fargo introduces autograph journey credit card with standout travel rewards, bilt mastercard: earn travel rewards just by paying rent.

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Find the best credit card for you

Best sole proprietorship business credit cards, these cards can help sole proprietors simplify expense tracking while earning rewards..

As a sole proprietor, there is no legal separation between you and your business. Still, it's beneficial to separate your business and personal expenses to simplify your bookkeeping and taxes .

Sole proprietors can use personal credit cards for business purposes, but it's generally easier to separate expenses with a business credit card . With the right business card, you can earn rewards, finance larger purchases, build your business credit history and take advantage of other business-related benefits.

You have many options if you're a sole proprietor seeking a small business credit card. To help you out, CNBC Select has narrowed down the best business credit cards for sole proprietors in a handful of practical categories. (See  our methodology  for information on how we chose the best sole proprietorship business credit cards.)

• Best for travel rewards: Ink Business Preferred® Credit Card
• Best for 0% intro APR: U.S. Bank Triple Cash Rewards Visa® Business Card
• Best for cash back: Ink Business Unlimited® Credit Card
• Best for bad credit: Bank of America Business Advantage Unlimited Cash Rewards Secured credit card
• Best for premium perks: The Business Platinum Card® from American Express

Best for travel rewards

Ink business preferred® credit card.

Earn 3X points per $1 on the first $150,000 spent in combined purchases in select categories each account anniversary year (travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines), 1X point per $1 on all other purchases

Welcome bonus

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Regular APR

21.24% - 26.24% variable

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Good/Excellent

Terms apply.

Read our Ink Business Preferred® Credit Card review.

• Free employee cards
• Points are worth 25% more when you redeem for travel through Chase TravelSM
• 1:1 point transfer to leading frequent travel programs
• No fee charged on purchases made outside the U.S.
• Generous welcome bonus worth up to $1,000
• $95 annual fee
• No introductory 0% financing offers for purchases or balance transfers

Who's this for? The Ink Business Preferred® Credit Card is ideal for sole proprietors who want to earn transferable travel rewards, with one of the most valuable welcome bonus offers and useful bonus business spending categories.

Standout benefits: This card has various built-in travel protections and earns  Chase Ultimate Rewards® points , which can be transferred to over a dozen airline and hotel travel loyalty programs. Points can also be redeemed for 1.25 cents apiece toward travel through the  Chase Travel SM  portal .

[ Jump to more details ]

Best for 0% intro APR

U.s. bank triple cash rewards visa® business card.

Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants, 1% cash back on all other eligible net purchases

Earn $500 in cash back. Just spend $4,500 on the account owner's card in the first 150 days of opening your account.

0% for 15 billing cycles on purchases and balance transfers

19.24% - 28.24% (Variable)

Either $5 or 3% of the amount of each transfer, whichever is greater

Excellent/Good

See rates and fees , terms apply.

• No annual fee
• $500 welcome bonus offer
• No limit on cash back earned
• Interest-free period for the first 15 billing cycles on purchases and balance transfers
• Annual $100 statement credit for recurring software subscription services
• 3% foreign transaction fee

Who's this for? The U.S. Bank Triple Cash Rewards Visa® Business Card is a good option for sole proprietors looking for a strong intro APR offer and still want to earn cash back . Typically, cards with longer intro-APR periods like this one offer fewer rewards and other benefits.

Standout benefits: The U.S. Bank Triple Cash Rewards Visa® Business Card offers new cardmembers a 0% intro APR on both purchases and eligible balance transfers for 15 billing cycles, after that, a variable 19.24% to 28.24% APR applies. There is a balance transfer fee of 3% of the amount you transfer ($5 minimum).

Best for cash back

Ink business unlimited® credit card.

Earn 1.5% cash back on every purchase made for your business

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

0% for the first 12 months from account opening on purchases; N/A for balance transfers

18.49% - 24.49% variable

• Simple cash-back program
• Special financing offer for purchases
• 3% fee charged on purchases made outside the U.S.

Who's this for? The Chase Ink Business Unlimited® Credit Card is ideal for sole proprietors who value simplicity because it offers a generous flat cash-back rate on all purchases and has no annual fee.

Standout benefits: All purchases earn at least 1.5% cashback. This allows sole proprietors to focus on what matters to their business instead of spending time navigating a complicated rewards program.

Best for bad credit

Bank of america business advantage unlimited cash rewards secured credit card.

Earn unlimited 1.5% cash back on all purchases

28.49% variable

4% of each transaction (minimum $0)

Poor/No credit history

• Bad credit may qualify
• Opportunity to transition to an unsecured card for qualified cardholders
• Flexible redemption options
• $1,000 minimum security deposit
• No welcome bonus

Who's this for? If your credit needs work , the Bank of America Business Advantage Unlimited Cash Rewards Secured credit card can help you build your score while still earning rewards.

Standout benefits: Secured credit cards are designed for people with no credit history or weak credit scores. They typically don't offer many benefits or rewards, but this card is an exception, earning a competitive 1.5% cash back on every purchase. This return matches some of the top unsecured cash-back credit cards.

Best for premium benefits

The business platinum card® from american express.

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com and 1X points for each dollar you spend on eligible purchases. Also, earn 1.5X points (that's an extra half point per dollar) on each eligible purchases at US construction material, hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the first 3 months of card membership

19.49% - 28.49% variable

• Enroll to receive up to $400 in annual statement credits on Dell purchases (up to $200 semi-annually), up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases
• Get 35% points back when you use points to purchase all or part of an airline fare, up to 500,000 bonus points back per calendar year
• American Express Global Lounge Collection
• Breeze through security with CLEAR® Plus where available and get up to $189 back per year on your membership when you use your card. (subject to auto-renewal)
• Up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your card
• $695 annual fee
• No introductory 0% financing offers

Who's this for? The Business Platinum Card® from American Express is one of the best options for sole proprietors who value luxury travel benefits such as airport lounge access and automatic hotel elite status.

Standout benefits: This card offers a long list of travel benefits, including access to over 1,400 airport lounges and an annual airline fee credit of up to $200 for incidentals, like baggage fees and seat upgrades. Cardholders can enroll to receive Hilton Gold status, Marriott Gold status and premium rental car privileges with National, Avis and Hertz. Terms apply.

More on our business credit cards for sole proprietors

The Ink Business Preferred® Credit Card is a popular business rewards card with a reasonable annual fee, excellent rewards rates and useful insurance benefits.

• 5X points on Lyft rides (through March 31, 2025)
• 3X points on the first $150,000 in combined purchases in these categories each account anniversary year: Shipping , advertising (with select social media sites and search engines), travel, internet, cable and phone services
• 1X points on all other purchases

Earn 100,000 bonus points after spending $8,000 on purchases in the first three months after account opening.

Notable perks

This card has no foreign transaction fees and does not charge extra to add employee cards. It also offers many built-in insurance benefits that apply to certain purchases, including:

• Cell phone protection
• Trip cancellation and interruption insurance
• Roadside dispatch
• Purchase protection
• Extended warranty protection
• Rental car insurance (primary)
• Baggage delay insurance
• Lost luggage coverage
• Travel accident insurance
• Trip delay reimbursement
• Travel and emergency assistance services

This is a longer list of travel and purchase protections than many other sub-$100 annual fee cards. 

[ Return to card summary ]

The U.S. Bank Triple Cash Rewards Visa® Business Card packs a lot into a no-annual-fee business card . Not only does it offer a competitive intro APR offer, but it also has a strong welcome bonus and great cash-back rates.

• 5% back on prepaid hotels and rental cars booked through the U.S. Bank Travel Rewards Center
• 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers and restaurants
• 1% cash back on all other purchases

Earn $500 cash back after spending $4,500 on purchases within the first 150 days of account opening.

Cardholders can earn a $100 annual statement credit for recurring software subscriptions. To qualify, you need to make 11 consecutive monthly payments for an eligible software service, such as QuickBooks or FreshBooks .

Chase Ink Business Unlimited® Credit Card

The Ink Business Unlimited card is a rewarding cash-back business card with an unusually generous welcome bonus for a no-annual-fee card.

• 5% cash back on Lyft rides (through Mar. 31, 2025)
• 1.5% cash back on all other purchases

Earn a $750 cash bonus after spending $6,000 on purchases in the first three months after opening the account.

New Ink Business Unlimited cardholders receive an intro 0% APR on purchases for 12 months (after that, a variable 18.49% to 24.49% APR applies). This is an excellent offer that makes financing important business purchases more affordable.

You can add employee cards for no additional fee and take advantage of benefits such as purchase protection , extended warranty protection , roadside dispatch and travel and emergency assistance services.

If you have an eligible Ultimate-Rewards-earning card, like the Ink Business Preferred® Credit Card , the cashback earned with this card can be converted into transferrable Chase Ultimate Rewards® points.

The Bank of America Business Advantage Unlimited Cash Rewards Secured credit card is a solid cash-back card in and of itself but shines in comparison to other secured cards.

• 1.5% cash back on all purchases

The required minimum deposit to open this card is $1,000 and your credit line is equal to the amount you deposit. It also has a handful of travel insurance perks including, up to $100,000 in travel accident insurance, lost luggage assistance and emergency ticket replacement.

The Business Platinum Card® from American Express is a premium card with an array of benefits that can easily offset its high annual fee (see rates and fees ).

• 5X points on flights and prepaid hotels booked on AmexTravel.com
• 1.5X points on up to $2 million in purchases per calendar year of eligible purchases in the following categories: U.S. construction material and hardware suppliers, electronic goods retailers, software and cloud systems providers, shipping providers and on purchases of $5,000 or more
• 1X points for all other purchases
• Terms apply

Earn 120,000 bonus points after spending $15,000 in qualifying purchases on your card in the first three months of card membership.

$695 (see rates and fees )

The Amex Business Platinum card offers a long list of valuable statement credit offers, including:

• Up to $400 back per year on U.S. Dell purchases (up to $200 back semi-annually)
• Up to $360 back per year on Indeed purchases (up to $90 back quarterly) through Dec. 31, 2024
• Up to $150 back for select Adobe auto-renewing annual business subscriptions through Dec. 31, 2024
• Up to $120 back per year for U.S. wireless telephone service provider purchases
• Up to $200 in airline fee credit per year with one qualifying airline you choose
• Up to $189 back per calendar year for CLEAR Plus
• Up to $100 back for application fees every four years for Global Entry or every 4.5 years for TSA PreCheck

Cardholders enjoy automatic hotel elite status with Hilton Honors and Marriott Bonvoy and have access to more airport lounges than any other card, including Amex Centurion Lounges , Escape Lounges, Plaza Premium lounges, Priority Pass lounges, Delta Sky Clubs and Lufthansa lounges.

The card also boasts no foreign transaction fees (see rates and fees ) and many insurance coverages including, return protection, trip delay insurance , trip cancellation and interruption insurance, baggage insurance, extended warranty coverage, rental car insurance, cell phone protection and purchase protection.

Can a sole proprietor get a business credit card?

A small business owner who is a sole proprietor is eligible for business credit cards. Many business card applications allow you to use your social security number as your business tax ID and don't require you to have an LLC or other complicated business structure.

Can I use my EIN to get a business credit card?

You can use an Employer Identification Number (EIN) to apply for a business credit card as a sole proprietor. However, most business cards for sole proprietors require a personal guarantee, so reviews of your personal credit history and income are part of the application process.

Do business credit card applications verify personal income?

Most small business card applications require you to provide your personal income and social security number. The card issuer can use this information to determine your credit limit and whether you can afford the card's monthly payments.

Bottom line

Sole proprietors are eligible for most types of small business credit cards, including cards that earn cash-back, travel rewards and offer no-interest intro periods. You'll usually need a good to excellent credit score to qualify for the most rewarding cards, but if you have a lower credit score, some of the easiest business credit cards to get only require an average or fair credit score.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every business credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best business credit cards for sole proprietors.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Our methodology

To determine which business cards offer the best value for sole proprietors, CNBC Select analyzed dozens of major small business credit cards. We compared each card on a range of features, including the annual fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees. We also considered additional perks, the application process and how easy it is to redeem points.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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

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Credit Cards

Why I chose the Chase Sapphire Preferred as my first ever rewards card

Sarah Li Cain

Robin Saks Frankel

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Grace Pilling

Published 6:03 a.m. UTC April 15, 2024

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I first started learning about the world of rewards credit cards from friends and bloggers and knew I wanted in. The challenge was that it took me a long time to build my credit , and I wanted to be sure I picked the right card. After some research, I landed on the Chase Sapphire Preferred® Card as my first rewards credit card. Yes, there are other cards with lower (or no) annual fees, but I have squeezed a ton of value from this credit card.

Here are the reasons why I landed on the Chase Sapphire Preferred.

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Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

1. I wanted flexible redemption options

Learning about travel rewards and how to redeem points as a beginner all those years ago felt extremely intimidating. I wanted to earn rewards that offered plenty of redemption options and where I could learn at a pace that felt accessible to me. Initially, I ignored the airline and hotel transfer partners and decided I would focus on how I would use my Ultimate Rewards® points through the Chase Travel℠ portal. 

Taking this route eased my fears about how to book flights and hotels using rewards. I was also happy that I didn’t have to feel loyal to one airline or hotel chain like I would have with a cobranded rewards card. After booking a few trips through the Chase travel site, I took the time to learn about the issuer’s travel loyalty transfer partners (there are 14 in total). But I still liked choosing which method — booking through Chase Travel or transferring points — was better for me to squeeze the most out of my points. 

Some travel rewards redemptions offer more value than others. Here’s some of the best ways to use Chase points .

2. The annual fee is accessible, even for occasional travelers

When I opened the Sapphire Preferred card, my family wasn’t traveling much. We were still settling into our new home, my husband had started a new job and I was juggling taking care of my young child with my freelance career. I aimed to earn enough rewards from the card to nab heavily discounted hotels and the occasional flight when we visited family once or twice a year.

At $95, the annual fee felt affordable to us. A pricier card with lounge access wasn’t important, because we didn’t fly enough to feel that feature would be worth it. However, the Sapphire Preferred’s $50 annual Chase Travel hotel credit was, since we stop and stay overnight on our cross-country drives during the summer. 

3. I was able to earn the welcome bonus easily

My family and I mostly used credit cards to pay for bills like utilities and groceries. Looking over our expenses, we could easily spend thousands of dollars over a span of several months. The minimum spend requirement to earn the welcome bonus — 60,000 points after spending $4,000 on purchases in the first three months of account opening — was well within our reach. Plus, I paid off my credit cards each month, meaning we didn’t pay any interest and our rewards earnings didn’t cost us extra. 

The minimum spend is higher than some rewards cards, though lower than luxury ones — my family and I were able to hit the minimum spend in a little over two months. Considering I earned $750 worth of travel if I booked through Chase Travel (which I was mostly doing in the beginning anyway), it was well worth it.

4. There are no foreign transaction fees

My mom and sister live in Canada where I grew up, so I make the annual trek with my family to visit them along with several other close friends. I knew that whatever credit card I signed up for, I wanted no foreign transaction fees when using it in another country. My last credit card did charge fees for transactions overseas, and though they may not seem like much on their own, they do add up.

This benefit alone didn’t convince me to sign up for the Sapphire Preferred but it was certainly a welcome benefit in addition to all the others. 

5. Why I keep the Sapphire Preferred even years later

The Chase Sapphire Preferred has stayed in my wallet for the last six years and I don’t plan on canceling it anytime soon. The initial signup bonus earned my family several hotel nights when we visited family and friends. In subsequent years we took advantage of the $50 annual hotel credit and other benefits, such as primary rental car insurance , to make the annual fee worth it. 

Over the years I’ve added two other Chase cards to the mix — the Chase Freedom Unlimited® and the Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . I pool the points I earn from these two credit cards with my Sapphire Preferred because the Preferred offers a 25% points boost when booking travel through Chase. Since I have a family of three to book travel for, I want to use all the advantages I can get. 

Considering a rewards card? Here’s how to choose the right credit card for you.

*The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Sarah Li Cain is a finance and small business writer currently based in Jacksonville, Florida whose articles have been published with outlets such as Fortune, CNBC Select, the Financial Planning Association and Zillow.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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Does My Chase Credit Card Have Travel Insurance?

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Table of Contents

Chase credit cards with travel insurance

How it works, terms and conditions, how to make a claim with chase, when to consider adding additional insurance to your trip, if you want to use chase credit card travel insurance.

Chase is a major issuer within the U.S. credit card market — and with good reason. Whether you're looking for a card co-branded with a preferred hotel or airline or one that earns Ultimate Rewards® , Chase has various options. However, if you already have one of these cards, you may be wondering: "Does my Chase credit card have travel insurance?"

The happy answer is yes. Most Chase cards do offer some form of travel insurance . However, the type and standard of insurance available to you will depend on the card you hold. So let's take a look.

Nearly all of Chase's credit cards offer some form of travel insurance. For example, some provide rental car insurance, while others offer a span of travel insurance benefits, sometimes with multiple protections like those we detailed above.

Whether basic or more comprehensive, these current Chase cards provide some form of travel insurance:

Aer Lingus Visa Signature® Card .

Aeroplan® Credit Card .

Prime Visa .

British Airways Visa Signature® Card .

Chase Freedom Flex℠ .

Chase Freedom Unlimited® .

Chase Freedom® Student credit card .

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

Chase Slate Edge℠ .

Iberia Visa Signature® Card .

IHG One Rewards Premier Credit Card .

IHG One Rewards Premier Business Credit Card .

IHG One Rewards Traveler Credit Card .

Ink Business Cash® Credit Card .

Ink Business Plus® Credit Card.

Ink Business Preferred® Credit Card .

Ink Business Unlimited® Credit Card .

Marriott Bonvoy Bold® Credit Card .

Marriott Bonvoy Boundless® Credit Card .

Southwest® Rapid Rewards® Performance Business Credit Card .

Southwest Rapid Rewards® Plus Credit Card .

Southwest® Rapid Rewards® Premier Business Credit Card .

Southwest Rapid Rewards® Premier Credit Card .

Southwest Rapid Rewards® Priority Credit Card .

Starbucks® Rewards Visa® Card .

World of Hyatt Credit Card .

World of Hyatt Business Credit Card .

United Club℠ Business Card .

United Club℠ Infinite Card .

United℠ Business Card .

United℠ Explorer Card .

United Gateway℠ Card .

United Quest℠ Card .

» Learn more: The best travel credit cards right now

Chase's credit card travel insurance applies to any trips booked with your eligible card. There are several different types of travel insurance that Chase offers:

Trip delay insurance .

Trip cancellation insurance .

Trip interruption insurance .

Baggage insurance .

Rental car insurance .

Travel accident insurance.

Emergency medical and dental.

Emergency evacuation and transportation .

If you're already feeling overwhelmed by this new jargon, take a peek at our Beginner's Guide to Travel Insurance .

This credit card-provided insurance may either be secondary to your existing insurance — which means it will only kick in after any insurance policy you already have is exhausted — or primary, which you can claim before relying on other policies. But, again, the type of insurance you receive and the level of coverage will depend on your particular Chase card.

Chase's secondary credit card travel insurance will become primary if you don't have a separate travel insurance policy (beyond booking travel with your card).

» Learn more: Best credit cards for travel insurance benefits

Your total coverage amount will vary based on your card; more premium cards, such as the Chase Sapphire Reserve® , will provide superior coverage compared to others.

» Learn more: The NerdWallet guide to the Chase Sapphire Reserve® 's travel insurance benefits

To be able to claim any travel insurance, you'll need to have paid using your eligible Chase card. In addition, your specific event will also need to be covered — you'll find the full details of what is covered within the benefits guide for your card.

If you're booking award travel, the taxes and fees you pay with your card will still qualify you for travel insurance.

For example, in order to receive a reimbursement using trip delay insurance on your Chase Sapphire Preferred® Card , your trip must have been delayed by one of these causes: Equipment failure, inclement weather , strike or hijacking/skyjacking.

If you need to use your travel insurance, you'll need to file a claim with Chase. You can do so by using Chase's online Eclaim center or by emailing [email protected] . You can also call, but the contact number for claims varies by card — check out your guide to card benefits for details.

The documentation you'll need will depend on the type of claim and can similarly be found within your guide to card benefits. Moreover, the time you have to file a claim varies by the type of claim you're making but can typically be around 90 days. Therefore, the sooner you start the process, the better to ensure you're within the time frame.

For example, here's the paperwork you'll need to turn in when filing for reimbursement for reasonable expenses incurred during a covered trip delay:

All payment methods used to purchase the airfare (if you've also used points, vouchers, etc.).

Charge receipt showing the airfare transaction was made on your account.

Receipts for your claimed delay expenses.

Copy of the settlement from the carrier and any other reimbursements made to you.

Your original itinerary.

A statement from the carrier indicating why you were delayed.

Although Chase provides pretty decent travel insurance for trips overall, in some cases, you may want to consider adding additional travel insurance by purchasing a separate plan . This is particularly relevant in the current travel climate and may be required depending on your destination.

For instance, although the Chase Sapphire Reserve® will cover losses due to trip cancellation in the event that you have a physician-ordered quarantine, its medical coverage overall is relatively low.

The emergency medical benefit offered by this card caps out at just $2,500 while traveling — and will only cover recovery in a hotel if you've been released from the hospital and your attending physician determines that it's necessary. Nonetheless, you'll only be reimbursed up to $75 per day for five days. After that, you're on your own.

In this case, adding additional insurance for medical expenses , including hospital treatment and extensive quarantine , would be a good idea.

» Learn more: Airline travel insurance vs. independent travel insurance

Nearly all of Chase's credit cards offer varying levels of travel insurance, including its no-fee options. However, you'll want to be aware of limitations before relying on these for your trip.

In many cases, Chase's travel insurance will be a frontline answer to your issues — just make sure to double-check your coverage before travel. And under certain circumstances, you may want to consider adding additional insurance before you set out on your trip for peace of mind.

The information related to the Ink Business Plus® credit card and United Club℠ Business Card (annual fee: $450 ) has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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