chase credit card for travel insurance

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

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• Compare the Best Credit Cards With Travel Insurance
• Best for Trip Delay Insurance
• Best for Rental Car Insurance
• Best for Trip Cancellation and Interruption
• Best for Lost Luggage Reimbursement
• Best for Travel Accident Insurance
• Best for Emergency Evacuation Coverage
• Why You Should Trust Us

The Best Credit Cards With Travel Insurance in 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Altitude® Reserve Visa Infinite® Card, Marriott Bonvoy Bold® Credit Card. The details for these products have not been reviewed or provided by the issuer.

A credit card's travel insurance feature may not sound as exciting as a 100,000-point sign-up bonus or a high earning rate on everyday spending — but when you find yourself in a bind, it can be significantly more valuable.

Here's everything you need to know about credit card travel insurance, along with the best credit cards offering the most comprehensive coverage.

Compare Credit Cards With Travel Insurance

Best credit cards for trip delay insurance.

Earn 5x 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 & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

Earn 75,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
• con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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, 75,000 points are worth $1125 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

Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.

19.99% - 29.99% variable

Earn 75,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections
• con icon Two crossed lines that form an 'X'. High annual fee
• con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

• 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®

Earn 1-5x points on purchases

21.24% - 28.24% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Substantial welcome bonus and great earning opportunities, especially with mobile wallets
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. $325 annual travel and dining credit can offset most of the $400 annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Top-notch travel insurance and protections
• con icon Two crossed lines that form an 'X'. You must have an existing relationship with US Bank to be approved
• con icon Two crossed lines that form an 'X'. Limited to a 12-month complimentary Priority Pass membership with only four free visits for cardholder (plus a guest) included
• con icon Two crossed lines that form an 'X'. No airline or hotel transfer partners

The U.S. Bank Altitude® Reserve Visa Infinite® Card is a premium credit card with benefits that have no trouble offsetting the annual fee. One of its most unique (and valuable) qualities is its ability to earn 3x points on all purchases made through a mobile wallet, so if you use payment methods like Apple Pay or Samsung Pay, you'll have no problem accruing points in a hurry.

• The information related to the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected by Business Insider and has not been reviewed by the issuer.
• Earn 50,000 points worth $750 on travel after spending $4,500 in the first 90 days of account opening
• Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards
• Earn 3X points for every $1 on eligible travel purchases and mobile wallet
• Earn 1X point per $1 spent on all other eligible net purchases
• Use your mobile device to instantly redeem points for almost any purchase

Best Credit Cards for Rental Car Insurance

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

See Pay Over Time APR

Earn 80,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
• con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
• con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, 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.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $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.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• 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 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), 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.
• 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.

Best Credit Cards for Trip Cancellation/Interruption Insurance

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

21.49% - 28.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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, 75,000 points are worth $937.50 toward travel.
• 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.

Best Credit Cards for Lost Luggage Reimbursement

Best credit cards for travel accident insurance.

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.

Earn 30,000 bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cardholders get 15 elite night credits toward status
• con icon Two crossed lines that form an 'X'. Only offers strong rewards for Marriott purchases

The Marriott Bonvoy Bold® Credit Card comes with an increased limited-time welcome bonus and good perks for a no-annual-fee card, but unless paying an annual fee is a dealbreaker for you, other Marriott cards — like the Marriott Bonvoy Boundless® Credit Card , Marriott Bonvoy Brilliant® American Express® Card, or Marriott Bonvoy Business® American Express® Card — are a better deal.

Best Credit Cards for Emergency Evacuation Coverage

Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.

21.99% - 28.99% Variable

Earn 80,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great intro bonus offer
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. If you want United Club membership, this card gets you it for less than buying it outright
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Get two free checked bags on United
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 4x miles on United® purchases
• con icon Two crossed lines that form an 'X'. Steep annual fee, especially for an airline credit card
• con icon Two crossed lines that form an 'X'. The non-United bonus categories (travel and dining) only earn 2x miles

While a few of the best travel credit cards are great for United flyers, the United Club℠ Infinite Card is the most high-end of the bunch. Not only does it offer a full United Club airport lounge membership, but it can also help you rack up the miles for free trips quickly through everyday spending.

• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)

Best Credit Cards With Trip Delay Insurance

Trip delay insurance covers you (and often family members traveling with you) for expenses like meals, transportation, lodging, medication, and toiletries. For example, if your flight is delayed by more than six hours, your card may reimburse you up to $500 in "reasonable expenses" such as:

• An Uber or taxi from the airport to a hotel
• A one-night hotel reservation
• Dinner at a nearby restaurant

I've used this benefit a handful of times, and it's saved me hundreds. Just note that you must use your qualifying card to pay for your fare — even if that means simply paying taxes and fees on an award flight.

Trip delay insurance applies to more than just flights. You're eligible for coverage whenever you book a "common carrier" — defined as "any land, water, or air conveyance that operates under a valid license to transport passengers for hire and requires purchasing a ticket before travel begins." As long as it's not a taxi, limo, commuter rail, bus, or rental car, you're likely covered.

Below are the top three credit cards for trip delay insurance. Even if you don't travel regularly, you should be using one of these cards to reserve your travel, because trip delay insurance will come in handy sooner or later.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® is the gold standard of trip delay insurance. After just six hours of delay — or any delay that requires an overnight stay — you're eligible for up to $500 in covered expenses per ticket. You and those traveling with you (a spouse and dependent children under 22) are covered.

The Chase Sapphire Reserve charges a $550 annual fee, but it also comes with valuable travel benefits such as:

• Up to $300 in annual travel credits (offsets the first $300 in travel you purchase each year with the card)
• Airport lounge access (Priority Pass Select, Chase Sapphire lounges , and the Chase Sapphire Terrace at Austin airport )
• Up to $100 NEXUS, Global Entry, or TSA PreCheck application fee credit
• Complimentary two-year Lyft Pink All Access membership

You'll also earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth $1,350 in travel, based on Personal Finance Insider's valuation of Chase Ultimate Rewards® points at 1.8 cents each.

Chase Sapphire Reserve Credit Card Review

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is Capital One's first premium travel credit card . It's a Visa Infinite card (similar to the Chase Sapphire Reserve®), and benefits from extremely generous trip delay insurance***. You'll get up to $500 per ticket in covered expenses after a delay of six hours or more. Those eligible for this insurance are your spouse and dependent children under age 22.

The card has a welcome bonus offer of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. That's worth $1,275 in travel, based on our valuation of Capital One miles. In addition, it also comes with travel perks like:

• $300 per year in credits toward Capital One Travel bookings
• Priority Pass, Plaza Premium, and Capital One airport lounge access
• 10,000-mile bonus each account anniversary
• Access to the Capital One Premier Collection luxury hotel booking program
• Global Entry or TSA PreCheck application fee credit

Capital One Venture X Rewards Credit Card Review

U.S. Bank Altitude® Reserve Visa Infinite® Card

The U.S. Bank Altitude® Reserve Visa Infinite® Card is another one of the few Visa Infinite cards on the market. As you'd expect, it's got excellent trip delay insurance. You'll receive up to $500 per ticket in coverage for expenses like meals and lodging (that aren't reimbursed by the airline or other "common carrier") when your trip is delayed more than six hours or requires an overnight stay.

The U.S. Bank Altitude® Reserve Visa Infinite® Card comes with 50,000 points after you spend $4,500 on purchases in the first 90 days of account opening. These points are worth 1.5 cents each when you use them toward travel. That means this bonus is worth $750. You'll also get benefits like:

• Up to $325 in annual travel credits
• Up to $100 in statement credits toward Global Entry and TSA PreCheck
• Up to 30% discount on Audi on Demand (formerly Silvercar) rentals

U.S. Bank Altitude Reserve Review

You might already know that most travel credit cards offer some form of rental car insurance. It's a great benefit because it can save users significant money in the case of damage or theft to your rental. Even by renting a car for just a few days, you could save $50+ by waiving the rental agency's in-house insurance CDW and instead covering your rental by paying with this card.

Two kinds of rental car insurance come with many popular cards:

• Secondary insurance — Offers coverage benefits that are secondary to your personal auto insurance policy. In the event of damage due to theft or collision, car renters still have to file a claim through their personal auto insurance policy, and the secondary insurance is there to cover a portion of leftover costs. So, although this is a nice perk, it doesn't ease the sting of having to report to your personal insurance — often with resultant premium hikes.
• Primary insurance — Coverage for loss or damage will be taken care of by the credit card company without you having to make a claim with your personal policy. In the long run, this could save a car renter significantly on both CDW and LDW, and it could help avoid raising premiums on their personal auto policy.

Primary rental car insurance is what you want. You must pay for the entire transaction with the credit card you'd be filing the insurance under. Some cards even require that renters book the entire trip on the card, so read the fine print carefully.

Primary insurance also generally doesn't include liability, damage to other cars, damage to personal property, personal bodily injury, or injury to others. See Personal Finance Insider's guide to liability car insurance for more details on this type of coverage.

Below are the top three credit cards for car rental insurance.

The Chase Sapphire Reserve® comes with up to $75,000 for theft and collision for rental cars in the U.S. and abroad.

You'll be extra motivated to make this card your dedicated car rental payment method because it earns 10 points per dollar for this expense when reserving through the Chase Travel ℠ Portal . Personal Finance Insider estimates Chase points value to be 1.8 cents each when used for travel — so earning 10x points equates to an 18% return.

When booking outside the portal, you'll earn 3 points per dollar for travel including rental cars.

The Capital One Venture X Rewards Credit Card is another rewards-earning monster when it comes to car rentals. Not only will you receive primary rental car insurance***, but you'll earn 10 miles per dollar on rental cars booked through the Capital One Travel Portal . You'll earn 2 miles per dollar for travel booked outside the portal.

The Platinum Card® from American Express

The Platinum Card® from American Express doesn't offer primary rental car insurance by default. However, you can receive primary premium car rental protection for a flat rate between $15.95 and $24.95 per rental period (not per day). It's not free like the other insurances on this list, but premium rental car benefits may fit your situation better:

• You'll be covered for up to 42 consecutive days, whereas most other cards won't allow your rental to exceed 31 consecutive days.
• You're insured for up to $100,000 of primary coverage against damage or theft — a higher number than several other cards.

You can enroll your Amex Platinum and automatically be covered whenever you rent a car. You'll be charged this flat rate whenever you pay for a rental with your card.

This card has a $695 annual fee — but it also offers 80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership. That's worth $1,440 in travel per our valuation of Amex points. You'll also find travel perks such as:

• Up to $200 in airline fee credits each calendar year**
• Up to $100 in Saks Fifth Avenue credits each calendar year**
• Global Entry or TSA PreCheck application fee credit ($100 statement credit every 4 years for a Global Entry application fee or up to $85 statement credit every 4.5 years for TSA PreCheck®)
• $189 per year in credits for CLEAR® Plus membership**
• Up to $200 in annual credits toward prepaid hotel bookings through Amex Fine Hotels and Resorts or The Hotel Collection (minimum two-night stay)

American Express Platinum Card Review

Trip cancellation/interruption insurance protects you if you're no longer able to go on a covered trip or your covered trip is interrupted mid-travel for reasons such as:

• Your airline declared bankruptcy and cancels your flight
• One of your immediate family members dies
• There's a terrorist incident

This coverage will reimburse you for prepaid nonrefundable travel such as airfare, hotel stays, activities, etc. which you can't use (or finish). Additionally, you may be reimbursed for an unexpected flight back home.

The Chase Sapphire Reserve® will reimburse you for up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses like plane tickets, hotel reservations, cruises, etc. Chase states that if your name is embossed on the card, you and your immediate family are all covered under this benefit. That means authorized users can utilize this benefit, as well as the primary cardholder.

The Capital One Venture X Rewards Credit Card can reimburse you, your spouse, and your children up to $2,000 each for prepaid, non-refundable travel expenses like plane tickets, hotel bookings, etc. This is a significantly smaller per-person payout than the Chase Sapphire Reserve® — but there doesn't appear to be a hard cap on how much you can earn.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card offers a trip cancellation/interruption reimbursement of up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses like plane tickets, hotel reservations, and hotels. That's part of what makes both Chase Sapphire cards excellent options for travel insurance.

The Chase Sapphire Preferred® Card is the single best beginner points credit card. Its annual fee is reasonable at $95 per year, and it manages to offer many similar travel protections as much more expensive credit cards.

In terms of return rates, this card earns:

• 5 points per dollar on Lyft rides through March 2025
• 5 points per dollar on all travel purchased through Chase Ultimate Rewards
• 3 points per dollar on dining, including eligible delivery services, takeout, and dining out 
• 3 points per dollar on select streaming services
• 3 points per dollar on online grocery purchases  (excluding Target, Walmart, and wholesale clubs)
• 2 points per dollar on other travel 
• 1 point per dollar on everything else

You'll also receive perks like up to $50 in annual statement credits toward hotel stays booked through Chase and a 10% anniversary point bonus (based on the dollar amount you spend).

The Chase Sapphire Preferred® Card is currently offering a welcome bonus of  75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's worth an average of $1,350 in travel, based on Personal Finance Insider's points and miles valuations.

Chase Sapphire Preferred Card Review

If your carry-on or checked baggage goes missing — or if the airline, cruise ship, or other common carrier damages your belongings, this coverage could reimburse you up to a specified amount. Card issuers tend to price your belongings as the lesser of the following:

• The original purchase price of your items
• The actual cash value of your items when they were lost
• The cost to replace those items

You must pay for your trip with an eligible card to be covered. Below are the three best credit cards for lost luggage reimbursement.

This card will give you up to $3,000 per person if you or an immediate family member check or carry on luggage that is damaged or lost.

If you or an immediate family member's check or carry-on luggage is damaged or lost, the Capital One Venture X Rewards Credit Card will cover you for the difference between the "value of the amount claimed" and the common carrier's compensation, up to $3,000 per covered trip.

The U.S. Bank Altitude® Reserve Visa Infinite® Card provides up to $3,000 per person if you or an immediate family member check or carry on luggage that is damaged or lost — again, calculated by the difference between the "value of the amount claimed" and the common carrier's payment.

Ideally, you'll never find occasion to use any  credit card travel insurance. But this is the one to really hope will never come in handy.

Travel accident insurance covers you for things like dismemberment and death during your trip (most commonly, while you're riding as a passenger in, or entering/exiting, a licensed common carrier like an airplane or a cruise ship). Some of the best cards will pay up to $1 million. The payout you'll receive depends on the severity of the accident.

Generally, you'll get 100% of the benefit amount for things like:

• Loss of life
• Loss of speech and hearing
• Loss of speech/hearing and loss of a hand, foot, or sight from one eye
• Loss of sight in both eyes
• Loss of a combination of any two of a loss of hand, foot, or sight of one eye

You'll get 50% of the benefit amount for things like:

• Loss of one hand
• Loss of one foot
• Loss of sight in one eye
• Loss of speech
• Loss of hearing

You may also get 25% of the benefit amount for the loss of a thumb and index finger of the same hand. Credit card benefits vary by product and issuer, so be sure to read all the fine print.

Below are the top three credit cards for travel accident insurance. Remember, you must pay the entire cash portion of your travel with these cards to be covered.

The Chase Sapphire Reserve® is one of the few cards that will give you up to $1 million of accidental death or dismemberment coverage under this benefit. That's double the coverage of most other cards. You'll get:

• $1 million for common carrier travel accident insurance
• $100,000 for 24-hour travel accident insurance

If your name is embossed on the card you've used to pay for your travel, you and your immediate family are covered.

The Capital One Venture X Rewards Credit Card is another (rare) card that will cover you for up to $1 million of accidental death or dismemberment insurance.

It does not appear that immediate family traveling with you will receive this benefit — so while the potential payout is the best in the game, you may want to opt for a smaller benefit amount with more widespread coverage.

Marriott Bonvoy Bold® Credit Card

The Marriott Bonvoy Bold® Credit Card incurs no annual fee, yet offers travel accident insurance with some of the best cards on the market. You'll get up to $500,000 in coverage:

• $500,000 for common carrier travel accident insurance

With this card, you'll earn: 

• 3x points* at participating Marriott Bonvoy hotels
• 2x points on other eligible travel purchases
• 1 point per dollar on all other eligible purchases

Other than that, the card doesn't offer an immense value proposition — its best benefit is the 15 Marriott elite night credits each calendar year, which can help you to achieve Marriott elite status much more quickly. But if you're looking for a no-annual-fee travel credit card with insurance, it's definitely worth a look.

Marriott Bonvoy Bold Credit Card Review

If you're injured or otherwise incapacitated and need to be evacuated, this coverage would reimburse expenses such as:

• Any land, water, or air transportation you require
• Medical services
• Medical supplies that are necessary related to your emergency evacuation

The benefit often requires that you be at least 100 miles from home. Additionally, if you're hospitalized for a certain period of time (usually more than eight days), the benefit can reimburse a round-trip coach ticket for a friend or relative to come to see you. As ever, benefits vary from card to card.

Below are the three best credit cards for emergency evacuation and transportation coverage.

The Platinum Card® from American Express covers you, your spouse/domestic partner, and legally dependent children for emergency evacuation and related emergency medical services, no matter how much it costs. Your trip must not exceed 90 days.

If a child under 16 is unaccompanied as a result of the emergency, this benefit will pay for a coach flight to get them home — and even pay for them to be escorted if necessary.

This card will cover up to $100,000 for you, your spouse/domestic partner, and/or legally dependent children for emergency evacuation and related emergency medical services. If your name is embossed on the front of the card, you can take full advantage of this perk.

Also, if you die during your trip, you are covered for $1,000 for your remains to be repatriated to your home country.

United Club℠ Infinite Card

The United Club℠ Infinite Card will cover up to $100,000 for you, your spouse/domestic partner, and/or legally dependent children for emergency evacuation and related emergency medical services.

The United Club℠ Infinite Card comes with an annual fee of $525, but that's easily offset by its ongoing benefits, such as:

• Full-fledged United Club membership (worth $650 per year)
• Free first and second checked bags on United flights (when you pay any cash portion of your ticket with this card)
• Priority boarding on United flights
• Premier Access travel services
• Global Entry, TSA PreCheck, or NEXUS application fee credit
• Complimentary Premier upgrades
• Expanded access to United award flights

This card also earns:

• 4 miles per dollar on eligible United purchases
• 2 miles per dollar on travel
• 2 miles per dollar on dining
• 1 mile per dollar on everything else

United Club Infinite Card Review

Different Types of Credit Card Travel Insurance Coverage

Before we jump into the best credit cards with travel insurance, let's examine some important definitions. Several types of protections fall under the umbrella of travel insurance:

• Trip delay insurance — If your covered trip is delayed by a specified number of hours due to a covered reason,  this will cover expenses like meals and lodging (up to a specified maximum).
• Baggage delay insurance —  This coverage provides reimbursement for essentials like clothes and toiletries if your luggage is delayed on a covered trip. 
• Trip cancellation/interruption insurance — This protects you if you're no longer able to go on a covered trip or your covered trip is interrupted mid-travel for reasons such as illness, injury, weather, or a terrorist incident. This is the type of coverage you'd invoke if you needed to adjust your travel plans due to the ongoing coronavirus pandemic.
• Lost luggage insurance — If your carry-on or checked baggage goes missing, this coverage could reimburse you up to a specified amount.
• Rental car insurance — Many credit cards offer either primary or secondary car rental insurance, so you can waive the coverage offered for an additional fee when you rent a car. With primary car rental insurance, in the event of damage due to theft or collision, your credit card coverage will kick in before your personal insurance. With secondary insurance, the coverage kicks in after whatever other insurance is in place. Note that liability coverage isn't included in any credit card auto collision damage waiver.
• Travel accident insurance  — This is the kind of insurance you'll hopefully never have to use.
• Emergency evacuation insurance — If you're injured or otherwise incapacitated and need to be evacuated, this coverage would reimburse expenses such as a helicopter evacuation.

For these coverages to kick in, you'll have to pay for your travel with a card that offers trip insurance. In other words, if you book your flight and hotels with a debit card, you won't be eligible for coverage from your credit card.

On that same note, however, redeeming airline miles or bank points for your travel should not disqualify you from coverage — as long as you pay the taxes and fees with your eligible credit card.

Credit Card Travel Insurance Frequently Asked Questions

The Chase Sapphire Reserve® has the most comprehensive travel insurance, covering everything from trip cancellations and interruptions to delayed baggage.

Depending on the card, credit card travel insurance may cover non-refundable flights, delays, cancellations, missed connections, lost luggage, an illness that cuts your travel short, and various other misfortunes.

Most travel rewards credit cards offer some degree of travel insurance. For example, many American Express cards offer trip cancellation and interruption coverage. But the specifics can vary wildly from card to card. The big exception is Citi, which eliminated most elements of its travel coverage from cards several years ago. Don't reserve travel with a Citi card if you want any sort of insurance.

If you have one of the credit cards featured in this guide, you may not need an additional travel insurance policy. However, make sure you read the fine print of your credit card's benefits guides to make sure the travel coverage is sufficient for your needs — and so you don't have any unpleasant surprises like finding out you aren't eligible for coverage when it's too late. On the other hand, if you want some extra peace of mind, or if there's a good chance you may cancel your non-refundable trip, it's worth looking into supplementary travel insurance. 

As a general rule, credit card travel insurance applies to the cardholder and the cardholder's immediate family. Refer to your credit card's benefits guide for card-specific rules.

Each credit card travel insurance policy is different, so it's important to look at your specific card's benefits guide to make sure you know exactly what is and what is not covered. And when in doubt, don't be afraid to call the card issuer for clarification. Your credit card travel insurance won't cover a trip that you don't purchase with the card, though in some cases paying for a trip in full or in part with that card's rewards points will qualify you for coverage.

Why You Should Trust Us: How We Chose the Best Credit Cards for Travel Insurance

To come up with this list of the best credit cards for travel insurance, we first identified the different types of travel insurance benefits to focus on: trip delay insurance, rental car insurance, trip cancellation/interruption, lost luggage reimbursement, travel accident insurance, and emergency evacuation coverage. We selected the best credit card options for each type of travel insurance by looking through their specific benefits. 

Each credit card we review also has a numerical score out of 5. We arrive at each score by following our credit card rating methodology , which factors in rewards, the welcome bonus, annual fee, and more.

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

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

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

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• Chase Sapphire Preferred Card

Full List of Travel Insurance Benefits for the Chase Sapphire Preferred Card [2024]

Christine Krzyszton

Senior Finance Contributor

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Jessica Merritt

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Table of Contents

Chase sapphire preferred card overview, car rental loss and damage insurance, trip cancellation and trip interruption insurance, trip delay reimbursement, baggage insurance, roadside dispatch, travel accident insurance, travel and emergency assistance, no foreign transaction fees, filing a claim, how coverage compares, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

The Chase Sapphire Preferred ® Card is a solid choice for your first travel rewards credit card. The card’s strengths include its ability to earn valuable Chase Ultimate Rewards Points on every purchase, the variety of redemption options it offers, and even its shopping benefits.

In addition to the key benefits of strong earning power and travel redemption flexibility, the Chase Sapphire Preferred card has your back with travel insurance coverage that offers peace of mind and potential savings during your journey.

If you travel frequently, chances are you’ve used a travel insurance coverage or benefit and realize the value of having this protection. It’s reasonable to expect that a travel rewards card you use to pay for your travel will have associated trip benefits. Unfortunately, credit card issuers have recently cut back on both travel and shopping benefits.

While some other cards are cutting back, the Chase Sapphire Preferred card offers prominent travel insurance coverage and benefits. Whether you currently have the card or are considering it, you’re sure to find this information useful when comparing travel rewards cards.

To put the Chase Sapphire Preferred card ‘s coverage into context, it’s important to have a little background. Below, you’ll find important card information like any welcome bonus and annual fee.

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)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel SM .
• Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 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 SM . For example, 75,000 points are worth $937.50 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
• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

Chase Ultimate Rewards

The Chase Sapphire Preferred card shines at providing car rental insurance coverage when compared to other travel rewards cards.

Auto Rental Collision Damage Waiver

Unlike most travel rewards cards, the coverage you receive with the Chase Sapphire Preferred card is primary car insurance coverage compared to secondary, which means you do not have to file an insurance claim with your own auto insurance company first for coverage to be valid.

To activate the coverage on your card, simply reserve and pay for your rental car with the Chase Sapphire Preferred card , then decline the rental car agency’s collision damage waiver coverage.

The cardholder and any additional drivers you list on the rental agreement are covered.

Coverage You Can Expect:

• Damage to or theft of the rental car
• Loss of use charges imposed by the rental car company while the vehicle is being repaired
• Reasonable and customary towing charges

Conditions:

• Coverage is valid in most countries
• The rental period must not exceed or intend to exceed 31 consecutive days
• Coverage is primary

Exclusions:

• Exceptionally expensive, exotic, and antique vehicles are not covered
• Also excluded are open cargo bed vehicles, trucks, and recreational vehicles
• Motorcycles, mopeds, and motorbikes
• All limousines and vans that transport more than 9 people
• Losses due to off-road use of the rental vehicle
• Liability insurance coverage is not included

Bottom Line: According to the Insurance Information Institute , a car rental agency’s collision damage waiver coverage can cost $9 to $19 per day, even more depending on where you’re renting the vehicle. Having primary rental car insurance with the Chase Sapphire Preferred card could save you hundreds of dollars on a multi-week car rental. 

In addition to car rental insurance, one of the most valuable benefits to have on your travel rewards credit card is coverage when there’s a disruption during your travels.

Pay for your trip in full or in part with your Chase Sapphire Preferred card or Chase Ultimate Rewards points and receive up to $10,000 if a covered loss prevents you (or other covered persons) from traveling. The maximum benefit for each occurrence is $20,000 and $40,000 maximum per 12-month period.

Expenses covered include any non-refundable, prepaid transportation arrangements that were missed plus change fees.

The definition of who is covered for trip cancellation and trip interruption coverage is broad. The cardholder, spouse or domestic partner, and immediate family are eligible for coverage. Immediate family includes adopted or step-children, legal guardians/wards, siblings or siblings-in-law, parents or parents-in-law, grandparents, grandchildren, aunts, uncles, and nieces or nephews.

The trip cannot exceed 60 days in duration and the destination must be more than 1 mile from home for coverage to be valid.

Covered events include:

• Accidental injury, loss of life, or illness experienced by the cardholder, immediate family, or traveling companion
• Severe weather
• Change of military orders
• Terrorist events or hijackings
• Jury duty or subpoena that cannot be postponed or waived
• Finding that your residence has become uninhabitable
• You have been quarantined

Hot Tip: If you pay for your immediate family’s trip with your Chase Sapphire Preferred card or Ultimate Rewards points , they are eligible for trip interruption and trip cancellation insurance coverage, even if you are not traveling with them. For more card options that come with trip cancellation insurance, check out our full guide to the best credit cards for trip cancellation and interruption insurance .

If your trip is significantly delayed, you may be stranded overnight and need to purchase necessities or incur other unexpected expenses such as lodging and additional meals.

Trip delay reimbursement pays up to $500 per ticket for covered expenses that are not paid for by the common carrier. The delay must be overnight or greater than 12 hours in duration.

When traveling on a common carrier, if your baggage is delayed more than 6 hours, you could receive up to $100 reimbursement per day , for up to 5 days, for incidentals purchased.

You can expect to be reimbursed for essential items such as:

• Cell phone charging cable (1)

Lost Luggage

If your luggage is lost or damaged, lost luggage coverage will pay to repair or replace the luggage plus the cost of personal items lost, up to $3,000 per person, per trip.

You must report the loss to the common carrier first as the Lost Luggage benefit is in excess of any payments you receive from that carrier.

If you’re stranded on the side of the road, lock your keys out of your car, or your car fails to start, you’ll find Roadside Dispatch a welcomed benefit. The coverage provides 24/7 roadside assistance that is just one call away.

Services You Can Expect:

• Changing your flat tire when you have an inflated spare
• Delivery of up to 5 gallons of fuel
• Jump starting
• Lockout service
• Standard towing up to 5 miles
• Standard winching

Service extras such as towing beyond 5 miles, the cost of a replacement key, or the cost of the actual fuel being delivered, are additional charges and the responsibility of the cardholder. However, you won’t pay more than the pre-determined flat rate fee of $69.95 for the initial service call, as it is set in advance.

It’s painful to think about something serious happening during your travels, but there are benefits available in case you’re faced with such a tragic event.

The Chase Sapphire Preferred card is one of a few cards to offer travel accident insurance . The cardholder and immediate family members are covered even if the cardholder is not traveling with the immediate family. The ticket must be paid for in full or partially with your Chase Sapphire Preferred card or Ultimate Rewards points.

Chase’s travel accident insurance is divided into 2 coverages:

• Common Carrier Travel Accident Benefit — Covers you while you are a passenger on any common carrier or at the airport, terminal, or station immediately before or after your trip.
• 24-Hour Travel Accident Benefit — Provides coverage as soon as you embark on your trip, during your qualifying trip, and until you return for accidental death, dismemberment, and loss of speech, sight, and hearing.

Coverage on the Common Carrier benefit is limited to up to $500,000 and $100,000 maximum on the 24-hour travel accident benefit. Only 1 benefit can apply per trip.

You’re just one call away from assistance or referral help anytime you need it 24/7. Calling the toll-free number when in the U.S. or the collect-call phone number on the back of your card when traveling out of the country is the fastest way to receive assistance.

In addition to you (the cardholder), your spouse or domestic partner and dependent children under 22 can also use the service.

Referral assistance is complimentary, but the cardholder is responsible for the actual goods or services provided .

• Emergency Message Service — Record and relay emergency messages to travelers
• Medical Referrals — Referral to an English-speaking medical practitioner to monitor your progress and serve as a patient liaison
• Legal Referrals — Referral to an English-speaking attorney, U.S. Consulate or embassy, and assistance with bail bond arrangements
• Emergency Transportation — Help with making arrangements for emergency transport to the nearest medical facility
• Emergency Ticket Replacement — Assistance replacing a lost ticket with your carrier
• Lost Luggage — Provides assistance filing a lost luggage claim or help with replacement items
• Translation Services — Assistance with local language translation services
• Prescription and Valuable Documents Replacement — Assistance getting prescriptions filled at a local pharmacy or locating and transporting valuable documents
• Pre-trip Assistance — Includes help finding an ATM, assistance with visas, health precautions, and other pre-trip information

You don’t want to be hit with 3% fees when using your card during international travels. The Chase Sapphire Preferred card doesn’t charge foreign transaction fees,  which is thankfully true of many cards nowadays.

If you spent $4,000 abroad on a family vacation, the savings would equal $120.

It’s prudent to think about the claim process even before you embark on your journey . Should you need to make a trip interruption, trip delay, or trip cancellation claim, the process will be much easier if you have gathered the information and documentation you need during the event versus after the fact.

Contact the plan administrator as soon as possible during or after the disruption for guidance and to file a claim. You may be expected to provide any of the following when submitting a claim for a trip interruption, trip cancellation, or trip delay :

• A completed and signed claim form
• Credit card statement with the last 4 digits of the card or receipts showing you paid for the trip with an eligible card or points
• A copy of your transportation ticket and itinerary
• Medical documents or a death certificate for health-related claims
• A statement from the carrier stating why the trip was interrupted, canceled, or delayed
• Receipts for purchases and food expense receipts over $50
• Copy of the carrier, tour company, or travel supplier’s cancellation or refund policy
• Any additional documentation requested by the benefit administrator

The documentation needed is not requested by Chase, but by the third-party claim administrator, therefore Chase statements validating your trip purchase are necessary. Knowing this upfront allows you to store your trip receipts in advance for easy access should you need them.

Hot Tip: Prior to your trip, contact the benefits administrator for clarification of trip coverage and to inquire about any special destination information you should know. You can also be proactive by reviewing the claim process before your trip to learn about any required documentation that would be needed in case of an event.

Other Credit Cards

Travel protection and insurance vary greatly by the credit card issuer and can change periodically. In general, here’s what you can expect in the way of travel protections by major issuers:

Chase issues credit cards including the Chase Sapphire Preferred card, Chase Sapphire Reserve ® , and Ink Business Preferred ® Credit Card offer the comprehensive collection of trip protections reviewed in this article. The Chase Sapphire Reserve card additionally offers emergency medical evacuation, $2,500 in emergency medical and dental coverage, and a shorter delay for trip delay coverage.

American Express

American Express offers secondary car rental insurance versus primary coverage, accident insurance, premium roadside assistance, a Global Assist Hotline, and baggage insurance. There is also emergency medical evacuation coverage that comes with The Platinum Card ® from American Express . The issuer does not offer trip interruption, cancellation, or delay coverage .

Capital One

You’ll find secondary car rental insurance, roadside dispatch, accident insurance, lost and delayed baggage, and emergency travel assistance on some Capital One cards.

Bank of America

Bank of America travel rewards cards generally do not offer trip protection or major travel benefits.

Hot Tip: For more details, check out our guide to the best credit cards for travel insurance .

Travel Insurance Policies

Travel protections, benefits, and insurance that come complimentary on credit cards are not designed to take the place of a comprehensive travel insurance policy.

A comprehensive travel insurance policy allows you to select the type of coverage you need and the coverage limits that match your level of risk, whether you’re protecting a significant financial outlay or the potential physical risks associated with the trip. You can also purchase a travel insurance policy that can cover one specific trip or many trips over a specific time period.

With that said, by taking a few minutes to read through the trip protections offered on the Chase Sapphire Preferred card, you may find enough coverage to satisfy your trip protection requirements for your next trip. As always, you should review the card benefit coverages carefully before you travel and purchase any needed travel insurance to fill in any gaps.

Bottom Line: The Chase Sapphire Preferred card offers a high level of travel protection and insurance compared to other travel rewards credit cards. This level of coverage may be more than sufficient for your trip. 

Having travel insurance brings with it the peace of mind to enjoy your journey without worry of any significant financial expense should something go wrong.

To avoid a false sense of security, however, you’ll want to call the benefits administrator (using the number on the back of your card) to ensure you have the coverage you need.

For example, you may assume you have coverage for emergency evacuation on that mountain trek, but the Chase Sapphire Preferred card does not carry this coverage. If the protection is important to you, you’ll want to be aware (and purchase separate coverage) before you embark on your journey.

Additionally, you may want to confirm that the country in which you’re renting is one that is covered under Chase’s car rental collision damage waiver, although most are.

While the Chase Sapphire Preferred card offers some of the best travel protection and insurance benefits of any travel rewards card, these benefits are not a substitute for comprehensive travel insurance.

If you’re spending thousands on a vacation for an entire family, booking an expensive cruise, or planning a trip with several forms of transportation involved, you may want to make sure that card-provided benefits provide protection at a level with which you’re comfortable.

If not, you should purchase a comprehensive travel insurance policy.

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 .

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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

Frequently Asked Questions

Is the chase sapphire preferred card worth it.

Yes. The Chase Sapphire Preferred card offers the best travel insurance protection of any major credit card, but that is just one of the strong benefits of having the card.

First, the annual fee is lower than other travel rewards cards that offer similar benefits. Additionally, you’ll earn valuable Ultimate Rewards points which can be redeemed for 25% more value when used for travel.

You can also transfer points to airline and hotel partners, receive a statement credit, or purchase gift cards.

Finally, you’ll find shopping benefits such as purchase protection and extended warranty for eligible purchased items.

Does the Chase Sapphire Preferred card have travel insurance?

The Chase Sapphire Preferred card has a long list of travel protections and insurance . You’ll find the all-important primary car rental insurance, trip interruption, trip cancellation, and trip delay insurance, which can be difficult to find on other travel rewards cards.

In addition, the card offers travel accident insurance, lost and delayed baggage coverage, roadside assistance, and travel and emergency assistance.

Does the Chase Sapphire Preferred card have lounge access?

The Chase Sapphire Preferred card does not come with a complimentary lounge access benefit.

However, the Chase Sapphire Reserve card offers complimentary Priority Pass Select membership which affords the cardholder access to over 1,300 worldwide lounge properties.

If the Chase Sapphire Preferred card better than the Chase Sapphire Reserve card?

Both cards offer a comprehensive collection of travel protections and benefits.

However, the Chase Sapphire Reserve card is a premium travel rewards card that comes with premium travel rewards benefits including complimentary worldwide lounge access, travel statement credits, elevated earnings on travel and dining, and 50% more value when redeeming Ultimate Rewards points for travel.

The Chase Sapphire Reserve card also comes with a much higher annual fee than the Chase Sapphire Preferred card.

A good strategy, if you’re just starting out, is to start with the Chase Sapphire Preferred card with its lower annual fee.

If you then want more travel benefits, are comfortable paying a higher annual fee, and can utilize the travel benefits that come with the Chase Sapphire Reserve card, it can be your subsequent move.

Does the Chase Sapphire Preferred card cover the Global Entry fee?

No. The Chase Sapphire Preferred card does not offer reimbursement for the Global Entry application or renewal fee.

Do the Chase travel benefits cover my trip if I use Ultimate Rewards points to pay?

Yes. You can purchase your trip in part or in full with your Chase Sapphire Preferred card, Ultimate Rewards points, or a combination of the two, and trip protections and benefits will still apply.

Be sure to check the benefits guide for details.

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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 Preferred vs. Chase Sapphire Reserve insurance benefits – Which is better?

Editor's Note

Many travel credit cards have similar names, and that can be confusing. It seems like every card name contains the word platinum, preferred, premier or reserve somewhere in the title. It's important to know the distinctions between each because the benefits you'll find on each card can vary dramatically.

Take the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® , for example. Their titles are alike, they earn the same type of points and the cards even kind of look similar. But many of their benefits are very different. And they should be. The Chase Sapphire Preferred comes with a $95 annual fee, while the Chase Sapphire Reserve has a $550 annual fee.

Let's compare some of the most important perks of these two cards: travel and purchase protections. These are huge factors when choosing the right travel credit card.

Trip cancellation and interruption insurance

Trip interruption and cancellation insurance is something you'll (hopefully) rarely use. But when you do need it, you could be spared from forfeiting several thousand dollars in nonrefundable travel.

This coverage reimburses prepaid trip expenses that would otherwise be lost when you change or cancel your trip for a covered reason. You might even qualify for a new flight away from your destination, depending on the circumstances. Here are the differences between each insurance:

• Trip cancellation: Disaster strikes and you cancel your trip before it begins
• Trip interruption: You're on your trip and disaster strikes, causing you to change your plans

Covered reasons that make you eligible for these insurances include:

• Accidental bodily injury, loss of life or sickness experienced by you or a traveling companion that prevents either of you from traveling
• Accidental bodily injury, loss of life or sickness experienced by an immediate family member of you or your traveling companion that prevents either of you from traveling
• Severe weather (see benefits guide for details)
• Change in military orders for you or your spouse
• A call to jury duty or court subpoena (see benefits guide for details)
• You or your travel companion's place of residence becomes uninhabitable due to burglary, fire or flood
• You or your travel companion's lodging accommodations at your destination are made uninhabitable
• Death or hospitalization of your host or your traveling companion's host at your destination
• Quarantine of you or your travel companion imposed by a physician or by a competent governmental authority having jurisdiction, due to health reasons
• An organized strike affecting public transportation that causes you or a travel companion to miss 20% or more of the scheduled duration of the trip or miss the departure of a prepaid cruise or tour (booked through a tour operator) that you're scheduled to take

Additionally, there are losses that are specific to trip cancellation coverage only:

• A terrorist incident within 25 miles of your or your traveling companion's permanent residence within 30 days of your scheduled departure date
• A terrorist incident within 25 miles of an airport, reserved lodging or host at your destination on your itinerary within 30 days of the scheduled arrival
• A U.S. government-issued travel warning due to terrorism issued within 10 days of your scheduled departure and covering your or your travel companion's permanent residence
• A U.S. government-issued travel warning related to terrorism and within 25 miles of an airport, reserved accommodation or host location within 30 days of scheduled departure

For trip interruption, the following also apply:

• A terrorist incident occurs during your trip and within 25 miles of an airport, reserved lodging or host at your destination on your itinerary
• A U.S. government-issued travel warning related to terrorism is issued during your or your traveling companion's trip within 25 miles of an airport, reserved lodging or host at your destination

Both the Sapphire Preferred and the Sapphire Reserve offer identical insurances: up to $10,000 per covered person with a maximum of $20,000 per trip. They also stipulate a maximum payout of $40,000 per 12-month period. Both cards also provide up to $250 in reimbursement for ground transportation expenses related to the trip interruption benefit.

For reference, you can consult the Sapphire Preferred benefits guide here . Click here for the Sapphire Reserve benefits guide .

Related: Best credit cards for trip cancellation and interruption insurance

Baggage delay insurance

Delayed luggage can happen to anyone. If you travel with even moderate frequency, you've probably experienced this a handful of times.

Baggage delay protection reimburses you for select necessities you purchase while you're waiting for your checked bag. The delay must be caused by the common carrier (airline, cruise, train, etc.). Eligible purchases include:

• Chargers for electronic devices
• Essential items

Again, the Chase Sapphire Preferred and Chase Sapphire Reserve offer the same protection here: $100 per day for up to five days. This insurance kicks in after a baggage delay of six hours or more. You and your immediate family are covered.

Note that this coverage is in excess of what's provided by your carrier, and you must report the baggage delay to your carrier for the benefit to apply.

Related: Best credit cards that offer delayed baggage insurance

Lost luggage reimbursement

Lost luggage reimbursement can cover the cost of repairing or replacing items that are lost, damaged or stolen. Coverage applies to checked and carry-on baggage during a trip for which you used your card to pay at least part of the cost. Both cards have a maximum benefit of up to $3,000 per covered person per trip.

Note that both cards include a sub-limit of up to $500 for jewelry and watches and a $500 limit for cameras and electronic equipment. You should also be aware that coverage does not extend to items you accidentally forgot or left behind.

If your claim applies to checked luggage, you must report it to the common carrier within the carrier's mandatory time frame. For carry-on baggage, you must report the situation to the carrier as soon as you exit the plane, bus or ship.

Related: Lost vs. delayed baggage: How are they different and how do you protect yourself?

Trip delay reimbursement

Trip delay insurance reimburses you for reasonable expenses resulting from an extended delay with a common carrier. The terms are a bit loose when defining "reasonable expenses," but eligible purchases include:

Here's what each card offers:

• Chase Sapphire Preferred : Up to $500 per ticket (triggers after a twelve-hour or overnight delay)
• Chase Sapphire Reserve : Up to $500 per ticket (triggers after a six-hour or overnight delay)

The Chase Sapphire Reserve wins this category handily. The ability to be reimbursed for $500 in "reasonable" purchases just six hours into a delay is fantastic and one of the most generous travel perks of any card on the market.

Related: Best credit cards for trip delay reimbursement

Purchase protection

Purchase protection covers you from theft, accidental damage or involuntary and accidental parting with your eligible purchase. Your item may be replaced or repaired if at least a portion of your purchase was charged using a card that offers this benefit — such as the Sapphire Reserve or Sapphire Preferred.

• Chase Sapphire Preferred : Up to the cost of the item or up to $500 per claim, up to $50,000 per account (incident must occur within 120 days from the date of purchase)
• Chase Sapphire Reserve : Up to the cost of the item or up to $10,000 per claim, up to $50,000 per year (incident must occur within 120 days from the date of purchase)

You should also note there are items not eligible for coverage, which can be found in your benefits guide.

Again, the Chase Sapphire Reserve wins hands-down. Hopefully, you won't need this perk often, but if you're planning to buy a costly item, the Chase Sapphire Reserve is the way to go.

Related: Best credit cards for purchase protection

Extended warranty protection

Extended warranty protection lengthens the original warranty on eligible products. It does not augment the protection you get; it only extends the expiration of the coverage.

The extended warranty terms from both cards are the same: one additional year on eligible warranties of three years or less, up to a maximum of $10,000 per claim and $50,000 per account.

Certain purchase types are not covered, and you'll need to either register your warranty or keep the original receipt and credit card statement showing the purchase. One of these is required for submitting a claim during the extended warranty period.

Related: Best credit cards for extended warranty protection

Primary rental car insurance

Credit card primary rental car insurance saves you from paying for the in-house insurance offered by the rental car agency.

This insurance, according to the benefit terms, covers you from "theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges (due to covered theft or damage) to the nearest qualified repair facility." You can simply decline the rental agency's CDW waiver and pay for your rental with your eligible card to enjoy these benefits.

Only rentals of 31 consecutive days or less qualify. Also, not all cars are covered. Examples of some that Chase refuses to cover are:

• High-value vehicles
• Exotic and antique cars
• Cargo vans, vehicles with open cargo beds or trucks other than pick-up trucks
• Motorcycles, mopeds or motorbikes
• Recreational vehicles
• Passenger vans with seating for more than nine people

Both the Chase Sapphire Preferred and Chase Sapphire Reserve offer primary rental car insurance:

• Chase Sapphire Preferred : Up to the actual cash value of most rented cars
• Chase Sapphire Reserve : Up to $75,000

Note that this coverage in no way covers damage to property other than your rental car. If you crash into another car, Chase will not cover damage to the other party's property. Coverage also does not apply to personal liability, loss of personal property in the vehicle or damage that occurred due to wreckless or off-road driving.

However, additional drivers listed on the rental are also covered under this protection.

Related: Best credit cards for primary rental car coverage

Roadside assistance

If you experience problems while driving and need assistance like towing or someone to help you get into the car when you're locked out, Sapphire cardholders can call for these services any time of day on any day of the year. However, the costs involved can be different.

• Chase Sapphire Preferred : Cardholders pay for services they receive, but Roadside Dispatch program can help to coordinate services. Cardholders call 800-847-2869; service is available in the U.S. only
• Chase Sapphire Reserve : Events covered to a maximum of $50 each, up to four events per year. Cardholders can only receive service for the same problem once during a seven-day period. Cardholders can call 866-860-7978 in the U.S. or Canada

Available roadside assistance services include towing, changing tires, jump start, lockout service, fuel delivery and winching to pull your car out of a place where it's stuck. Cardholders do not need to enroll for this benefit in advance.

Travel accident insurance

Should something go wrong during your trip, travel accident insurance provides coverage for a range of accidental losses, including limb, sight, speech or hearing. This benefit can also cover accidental loss of life, paid out to your beneficiary.

• Chase Sapphire Preferred : Up to $500,000 for losses when traveling on a common carrier and up to $100,000 for 24-hour coverage
• Chase Sapphire Reserve : Up to $1 million for losses when traveling on a common carrier and up to $100,000 for 24-hour coverage

It's worth noting that certain high-risk events are not covered. These include training as a pilot, committing any crime, participating in professional sports, racing a car or motorcycle, intentionally self-inflected injuries or parachuting. For trips lasting more than 30 days, coverage ends at 12:01 a.m. on the 31st day.

Sapphire Reserve-specific benefits

There are two additional travel-related benefits that are available on the Sapphire Reserve but not the Sapphire Preferred . These are the emergency evacuation and transportation benefit and the emergency medical and dental coverage.

Emergency evacuation and transportation coverage can cover up to $100,000 in expenses when you or an eligible family member becomes ill or injured during a trip and needs transportation to a suitable medical facility. Note that this benefit requires preapproval from the benefit administrator; otherwise, you will bear the costs of this transportation.

Sapphire Reserve cardholders also enjoy up to $2,500 in emergency medical or dental coverage when traveling. You may also qualify for up to $75 per day for up to five days toward the cost of a hotel room if you must spend more time recuperating after release from the hospital before you are able to travel home. There is a $50 deductible on the emergency medical and dental coverage.

Bottom line

The Chase Sapphire Preferred Card and the Chase Sapphire Reserve offer many of the same travel and purchase insurance protections, though some coverage levels are different. The disparity isn't as vast as you might think, considering their difference in annual fees.

While the Chase Sapphire Reserve is clearly the better card with its superior trip delay insurance and purchase protection, the Chase Sapphire Preferred matches the Reserve in many other categories and is respectable across the board.

Read our post on the Chase Sapphire Preferred vs. Sapphire Reserve to see a concise side-by-side comparison of all other card benefits.

Apply here: Chase Sapphire Preferred with a bonus of 75,000 points after you spend $4,000 on purchases in the first three months from account opening. Apply here: Chase Sapphire Reserve with a bonus of 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

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How to use the chase sapphire preferred hotel credit, the chase sapphire preferred's hotel credit goes a long way toward paying off the card's annual fee..

The Chase Sapphire Preferred® Card currently has an elevated intro offer of 75,000 bonus points after you spend $4,000 on the card in the first three months from account opening. This card has a $95 annual fee , but, you can earn back over half of that cost every year by taking advantage of a single easy-to-overlook perk — the annual hotel credit.

Sapphire Preferred card members can receive a $50 annual Chase Travel Hotel credit every account anniversary year for hotels booked through the Chase Travel SM  portal . Here's what you need to know about how to use this credit and when it makes sense.

Chase Sapphire Preferred bonus and perks

What is the chase sapphire preferred $50 hotel credit, how to use the chase sapphire preferred's $50 hotel credit, when does it make sense to use the chase sapphire preferred's $50 hotel credit, alternative cards with hotel credits, bottom line, chase sapphire preferred® card.

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, and $50 annual Chase Travel Hotel Credit, plus more.

Welcome bonus

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Regular APR

21.49% - 28.49% variable on purchases and balance transfers

Balance transfer fee

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

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Sapphire Preferred's intro bonus offer is currently 15,000 points higher than the standard offer. This makes it a great time to apply because you're getting the same ongoing card benefits along with the additional upfront value.

This card earns Chase Ultimate Rewards® points, which are some of the best travel rewards thanks to their versatility. You can redeem Chase points for cash back or similar redemptions for one cent each. And if you use your Chase points to book travel through Chase Ultimate Rewards, you'll get a 25% boost in value as a Sapphire Preferred cardholder (1.25 cents per point).

You can really ratchet up your points' value by taking advantage of Chase's transfer partners . Chase points transfer to 14 airline and hotel loyalty programs at a 1:1 ratio. Through these programs, you can book business-class award flights or luxury hotels and dramatically increase the value of your rewards. This includes plenty of one-way Star Alliance business-class flights from North America to Europe for only 60,000 to 70,000 Aeroplan miles, flights that normally costs thousands of dollars.

The Sapphire Preferred also comes with a long list of travel and purchase insurance benefits. You'll get trip delay reimbursement, primary rental car collision coverage , purchase protection, extended warranty coverage and more.

The Chase Sapphire Preferred annual hotel credit can earn you an automatic statement credit of up to $50 every card anniversary year. To qualify for the credit, you need to book a hotel through Chase Travel SM and pay for the booking with your Sapphire Preferred card.

The $50 in hotel purchases that earn you the credit will not earn Chase points. Once a qualifying transaction is posted to your account, the statement credit should get credited within one or two billing cycles.

To use the Sapphire Preferred annual hotel credit, you book a hotel stay through Chase Travel SM . This platform works like booking through another online travel agency like Expedia , Priceline or Kayak . Simply search for the dates and the location where you need a hotel and book from the available options.

To use the hotel credit, first log in to your Chase credit card account and navigate to the Ultimate Rewards page. Next, select the "Travel" drop-down menu and click "Book travel."

Choose "Hotels" and enter the information for your trip. Once you start a search, you can filter the results by star rating, brand, cost and more.

After you've selected the hotel and specific room type, you'll be able to see the final cost in dollars and points.

To earn the full $50, you need to charge at least $50 on your card. If you want to pay with points, just be sure to redeem points for all but $50 of the cost. You can easily adjust how many points you're using for the booking in the "Points redeemed" box, just be sure to click the update button when you change the number of points you want to use.

From here follow the steps to enter the traveler information and payment card info before you finalize the reservation. Be sure to pay with your Chase Sapphire Preferred card. If you don't book with your Sapphire Preferred, you won't earn the credit.

The Sapphire Preferred hotel credit is straightforward — just book a hotel through Chase Travel SM to qualify for the offer. However, you should compare prices for the same dates, hotel and room type to ensure you're getting the best price when booking with Chase. As long as you aren't paying more for the booking, taking advantage of this credit makes sense.

If elite status perks are worth more to you for a particular stay, you may want to consider trying to maximize this credit on a different booking. That's because when you book hotels through a third-party site such as Chase Travel SM you typically won't earn elite status credit. You also won't normally receive elite status benefits, such as free breakfast or room upgrades.

If you're looking for hotel credits and benefits, a co-branded hotel credit card will typically offer the most value, but the perks will be tied to a specific brand. For statement credit perks that are more universal, you'll likely need to consider a general travel credit card.

The Capital One Venture X Rewards Credit Card (see r ates and fees ) offers an annual travel credit of up to $300 for bookings made through Capital One Travel. This credit applies to hotels, but also flights, rental cars and more. When you combine this travel credit with the card's annual 10,000-mile bonus, it's not hard to justify keeping this premium credit card .

Capital One Venture X Rewards Credit Card

10 Miles per dollar on hotels and rental cars, 5 Miles per dollar on flights when booked via Capital One Travel; unlimited 2X miles on all other eligible purchases

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Foreign transaction fees

See rates and fees . Terms apply.

Read our Capital One Venture X Rewards Credit Card review.

The U.S. Bank Altitude® Reserve Visa Infinite® Card has an incredibly easy-to-use travel and dining credit worth up to $325 every year. To qualify for the credit you don't need to book through a specific site. Instead, you just pay for travel or dining with the card and you'll earn the credit on the first $325 in eligible spending.

U.S. Bank Altitude® Reserve Visa Infinite® Card

5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center; 3X points on every $1 on eligible travel and mobile wallet spending

Earn 50,000 bonus points (worth about $750 in travel) after spending $4,500 within the first 90 days of account opening

22.24% to 29.24% (Variable)

3% of the amount of each transfer, with a $5 minimum

See  rates and fees , terms apply.

For a limited time, the Chase Sapphire Preferred has an excellent increase welcome offer. However, it also has an extensive array of ongoing benefits for cardholders. These benefits include an annual $50 hotel credit that applies to hotel bookings you make through Chase Travel SM .

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 .

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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 credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit cards . 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.

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Capital One Venture Rewards Credit Card review: A top travel card with a generous welcome bonus

A travel rewards card can help you pay for your next vacation and even reduce some of the stress associated with travel. With the Capital One Venture Rewards card , you can earn valuable rewards on your purchases, plus the card offers perks like auto rental coverage and travel accident insurance.

Capital One Venture Rewards card

Annual fee : $95

Welcome offer : 75,000 bonus miles if you spend $4,000 on purchases within three months of account opening

2x miles per $1 spent

5x miles per $1 spent on hotels and rental cars booked through Capital One Travel

Recommended credit score : Good to Excellent (670 – 850)

The Capital One Venture Rewards card has an annual fee of $95.

Welcome offer

If you spend at least $4,000 on purchases within three months of account opening, you'll qualify for 75,000 bonus miles. If you redeem those miles for travel through Capital One Travel, statement credits, or gift cards, that bonus could be worth $750 — a higher-than-usual bonus value for a card with a relatively low $95 annual fee.

Related: Here are the best credit card offers currently available

Intro offer

The Venture Rewards card doesn't offer an introductory APR on purchases or balance transfers.

Rewards rate

With the Capital One Venture Rewards card , you can earn the following rewards:

Two miles per $1 spent on every purchase

Five miles per $1 spent on hotels and rental cars booked through Capital One Travel

How to earn rewards

The Capital One Venture Rewards card has a relatively simple rewards structure. You'll earn the highest rewards rate — five miles per $1 spent — on hotels and rental cars booked through Capital One Travel, but you'll earn a flat two miles per $1 spent on all other purchases.

Here is how much you could earn in rewards if you spent $5,000 with your card:

Although the value of your miles may vary based on your redemption method, 16,000 miles could be worth as much as $160.

How to redeem rewards

You can redeem your miles in the following ways:

Transfer miles to loyalty programs: You can transfer your miles to one of Capital One's 15 loyalty program partners, such as British Airways Avios, Emirates Skywards, or Air Canada Aeroplan.

Redeem for gift cards: Redeem your miles for gift cards to major retailers and merchants.

Capital One Travel: You can redeem your miles for flights, hotel reservations, and car rentals through Capital One Travel.

Cash: Redeem your miles for statement credits, or request a check.

Amazon.com: You can also use your miles to pay for some or all of your purchase through Amazon.com.

PayPal: Through PayPal, you can redeem your miles at checkout on purchases from major retailers.

In general, your miles are worth one cent each, but certain redemption methods, such as redeeming your miles at checkout with certain retailers, may give you less value.

Additional benefits

There are several added benefits you can take advantage of with your Capital One Venture Rewards card:

Hertz Five Star Status: As a card member, you qualify for Hertz Five Star Status. You can skip the rental counter, and you can choose from a wider selection of car thanks to your status.

Fee credit for TSA PreCheck and Global Entry: Receive a $100 statement credit to cover some of your fees for TSA PreCheck or Global Entry.

Auto rental damage collision waiver: If you turn down the rental car company's coverage and use the Venture Rewards card to cover the cost of your reservation, you're automatically covered against theft or damages.

Travel accident insurance: Purchase your fare with your card, and you will be covered by accident insurance at no added cost.

Who is the Capital One Venture Rewards card best for?

If you love to travel, but want to avoid the hassle of keeping track of bonus spending categories or different rewards rates, the Capital One Venture Rewards card may be for you. You'll earn a higher rewards rate on hotels and rental cars booked through Capital One Travel, and a simple, flat rewards rate on all other purchases.

Capital One Venture Rewards card pros

No foreign transaction fees: The card doesn't charge foreign transaction fees , so you can use it for purchases outside the U.S. without incurring added fees.

Simple rewards structure: Instead of a complex rewards structure, you'll earn a flat two miles per $1 spent on every purchase.

Generous new cardmember bonus: For a card with a fairly low annual fee of $95, the new cardmember offer is surprisingly generous. You can earn 75,000 miles if you spend $4,000 within three months of opening an account — a $750 value.

Capital One Venture Rewards cons

Limited travel benefits: Although the card has some travel benefits, it lacks common coverages like travel interruption/cancellation insurance or baggage delay reimbursement.

No promotional APR on purchases: The card doesn't offer a promotional APR on purchases or balance transfers. However, there are other cards with generous introductory APRs, which allow you to pay off your dream vacation without worrying about interest charges.

How to make a Capital One Venture Rewards payment

You can make a credit card payment online, through the Capital One mobile app, or by sending a check through the mail:

Phone: 1-800-227-4825

Capital One

Attn: Payment Processing

PO Box 71083

Charlotte, NC 28272-1083

Capital One Venture Rewards card customer service info

Customer service availability info:

Monday through Sunday: 8:00 a.m. to 11:00 p.m. EST

Phone number: 1-877-383-4802

Capital One Venture Rewards login page

Alternative cards to consider

If the Capital One Venture Rewards card isn't right for you, consider these alternative travel rewards cards:

Southwest Rapid Rewards® Plus Credit Card

Why we like it : The Southwest Rapid Rewards Plus card has a lower annual fee than the Capital One Venture Rewards card, and it includes some perks that the Venture Rewards card doesn't. With this card, you can take advantage of lost luggage reimbursement, baggage delay insurance, and two free EarlyBird check-ins each year.

Recommended credit score: Good to Excellent (670 – 850)

Chase Sapphire Preferred® Card

Why we like it : Although the Chase Sapphire Preferred card has the same annual fee as the Capital One Venture Rewards card — $95 — it offers some extra perks and benefits. With this card, you're backed by travel cancellation or interruption insurance, auto rental collision damage waiver, and trip delay reimbursement.

Capital One VentureOne Rewards Credit Card

Why we like it : For those looking for a card that offers rewards and travel benefits without an annual fee, the VentureOne Rewards card could be a useful alternative. Plus, it has a generous introductory APR, giving you ample time to pay off your trip or major purchase without interest.

This article was edited by Rebecca McCracken

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. Credit score alone does not guarantee or imply approval for any financial product.

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The Chase Sapphire Preferred® Card is a midlevel travel credit card with some solid benefits and points-earning potential, along with a $95 annual fee.

But does the Chase Sapphire Preferred® Card get you into airport lounges? The short answer is no.

The Chase Sapphire Preferred® Card does not include any type of Priority Pass membership or regular entrance into Chase Sapphire Lounges or other airline-specific clubs.

If you want to stay within the Chase family of cards and you’re looking for lounge access, you’ll need the Chase Sapphire Reserve® card instead.

But don’t write off getting the Chase Sapphire Preferred® Card . It still has some good benefits.

Chase Sapphire Preferred® Card includes one complimentary lounge visit, with strings attached

Chase Sapphire Preferred® Card holders are allowed one complimentary access to the Chase Sapphire Lounge by The Club annually, if they have a Priority Pass membership that they’ve purchased separately.

Priority Pass members can then buy additional passes to the Chase Sapphire Lounge by The Club for $75 a pop, if they are available.

Otherwise, the Chase Sapphire Preferred® Card does not inherently include airport lounge access.

What to do instead

Purchase lounge membership.

Cardholders can pay out-of-pocket for a membership to a qualifying airline lounge program, including:

Priority Pass for $99-$469 annually, depending on your membership tier.

Delta Sky Club for $695 or 69,500 miles per year.

American Airlines’ Admirals Club individual annual memberships cost between $750-$850, depending on your elite status level.

United Club for $550-$650, or 75,000 miles to 85,000 miles. Prices are also dependent on your elite status level. Membership is included for United Club℠ Infinite Card holders.

Cardholders can also buy day passes at eligible lounges.

Purchasing Priority Pass or an airline-branded lounge membership does not qualify as a travel category expense on the Chase Sapphire Preferred® Card , so you will not earn 2x points.

Upgrade your card to the Chase Sapphire Reserve®

If you want included lounge access in the Sapphire family of cards, you’ll need to upgrade to the Chase Sapphire Reserve® card .

» See how these two cards compare

Because the Chase Sapphire Reserve® is a premium card, the annual fee is higher at $550 (and $75 for each authorized user), but many additional benefits help offset the cost.

First, there is the $300 annual travel credit that reimburses you for travel purchases.

Then there are the increased points bonuses in certain spending categories:

5x points on flights purchased through the Chase's travel portal .

10x points on hotels and car rentals purchased through Chase's portal.

3x points on dining.

A 50% increased value when redeeming points through the portal.

Lounge access is included as part of the Priority Pass Select membership; Chase Sapphire Lounges are included as well. Currently, there are lounges in Boston, Hong Kong and at New York’s LaGuardia and John F. Kennedy International airports. More clubs are on the way.

» Learn more: How Chase Sapphire Reserve lounge access works

The card also includes:

$100 in Global Entry or TSA PreCheck or Nexus fee every four years. 

Two-year Lyft Pink All Access membership.

A DoorDash subscription.

One year of complimentary Instacart+.

» Learn more: The best airline credit cards right now

An overview of the Chase Sapphire Preferred® Card

The annual fee for the Chase Sapphire Preferred® Card is $95 with no additional fee for authorized users.

Spending on the card earns Chase Ultimate Rewards® points, flexible points you can redeem for travel or other things like cash back or purchases.

The Chase Sapphire Preferred® Card earns 1 point per dollar on most purchases, but there are ways to earn additional points.

2x points on travel purchases or 5x points on purchases made through Chase's travel portal.

3x points on online grocery shopping.

3x points on select streaming services.

You can then use those points in several ways, including transferring them to partners or redeeming them through Chase's travel portal.

For redemptions in Chase's portal, Chase Sapphire Preferred® Card holders get 25% more value per point than they would if they didn’t have the card.

The Chase Sapphire Preferred® Card also includes several travel insurance benefits:

Trip cancellation and interruption insurance.

Baggage delay insurance.

Trip delay reimbursement.

Primary car rental collision damage waiver.

Services for travel and emergency assistance.

» Learn more: Chase Ultimate Rewards®: How the program works

Chase Sapphire Preferred® Card lounge access, recapped

The Chase Sapphire Preferred® Card does not include any airport lounge benefits as a perk of having the card, but it does have other travel benefits for a $95 annual fee.

If lounge access is your goal and you think you will get enough out of this benefit and others to justify the higher annual fee of $550, the Chase Sapphire Reserve® card may be your best bet.

on Chase's website

$550 plus $75 for each authorized user.

• 5 points per $1 on travel booked through Chase.

• 3 points per $1 on dining (including eligible delivery services and takeout), select streaming services and online grocery purchases (not including Target, Walmart and wholesale clubs).

• 2 points per $1 on other travel.

• 1 point per $1 on other purchases.

• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.

• 5 points per $1 on air travel purchased through Chase.

• 3 points per $1 on other travel and dining not booked with Chase.

Points worth 25% more when redeemed for travel booked through Chase.

Points worth 50% more when redeemed for travel booked through Chase.

10% of your total purchases in the previous year.

$50 in statement credits toward hotel stays purchased through Chase's travel portal.

$300 annual travel credit.

Travel protections, including auto rental collision damage waiver and baggage delay insurance.

No foreign transaction fees.

Priority Pass Select lounge access.

Statement credit for Global Entry , TSA PreCheck or NEXUS application fee every four years.

Access to Luxury Hotel & Resort Collection .

Complimentary Lyft Pink membership for two years.

Complimentary DashPass for at least one year through Dec. 31, 2024.

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

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