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While many of us may focus on earning and redeeming points and calculate the value of our credit cards on that alone, there are additional benefits that are offered on our credit cards that aren’t so obvious. One such group of additional benefits is the insurance coverages and protections that come with various credit cards.
These insurance benefits can seem overly complex and perhaps not applicable to your situation, but many can provide economic relief should you need to file a claim for a covered incident.
Additionally, if you are aware of which insurance benefits are available and how to take advantage, you may receive a lot of extra value out of your credit cards.
In our article today we’ll look at some of the common insurances you might find on your credit cards, as well as a list of which cards carry these benefits and protections.
If you want to realize extra value from your credit card, you’ll find our list of card insurance offerings useful. After all, it’s best to know which coverages are offered on which cards, before you need to file a claim.
Before diving into the specific insurances available, let’s talk about credit card insurances in general.
First, each insurance benefit differs per credit card and card issuer. So not every card by 1 provider will have every insurance.
Next, the levels of coverages provided will vary between card issuers and individual credit card products. You’ll need to access your Guide to Benefits or Cardholder Agreement to determine the level of benefits available for your specific card. You can also call the number on the back of your card for more details on each insurance coverage.
Finally, most credit card insurances are secondary to other insurance you might have. This means that your coverage only starts where any other insurance you have ends. You also may be required to first file a claim with your own insurance before collecting from the coverages on your credit card.
For example, in the case of credit card return protection, this means you must try to collect from the merchant from which you purchased the item before filing a claim with your card insurance.
Now, on to the collection of shopping and travel insurance benefits you might find on various credit cards.
Most credit cards come with some level of protection for items you purchase with the applicable card. Here, we cover some of those protections and benefits that could add value if your eligible purchases are lost, stolen, damaged, or if you should find a lower price.
Purchase protection insurance can provide coverage when an eligible product, purchased with your card, has been lost, damaged, or stolen within a stated time period from the date of purchase. Coverage limits per item, per claim, and per year may apply.
Dozens of credit cards carry this commonly-found coverage. American Express alone offers the coverage on 62 of its cards.
The following is a sample of some of the best cards that offer a purchase protection benefit, however, you can learn more about this coverage and additional information on the cards that offer it in our comprehensive article on the topic.
Card Issuer
Applicable Card
Chase
American Express
Citibank
The return protection insurance benefit covers you in cases where an item you have purchased is not accepted for return by the merchant from which you purchased it. The coverage is limited to a specific time frame from your purchase date — typically 90 days.
You’ll receive a maximum dollar value per item that you need to return, and you may have to send the item to the credit card company (although not always).
Note that you will have to cover the cost of shipping for returning items.
Here are some of the cards on which you can expect to find the return protection benefit:
Card Issuer
Applicable Card

Chase
One of the most common credit card insurances is extended warranty protection. With this benefit, you’ll often find an additional year or more added to what you’d normally receive with a manufacturer’s warranty.
The caveat is that the original warranty has to be less than 3 to 5 years, depending on the card, and may only match the length of the manufacturer’s warranty if it is less than a year.
Here are some of the best cards that come with an extended warranty plan on eligible purchases:
Card Issuer
Applicable Card
Chase
American Express
Citibank
Cell phone protection is a valuable benefit that is becoming more frequent on credit cards. You’ll need to pay your monthly cell phone bill with the applicable card and be aware that financed phones, rented phones, and borrowed phones may not normally be covered.
Coverage can range in value from $600 to $1,600 with some cards allowing you to file more than 1 claim per year. Deductibles and other conditions may apply.
Card Issuer
Applicable Card
Chase
American Express
Barclays
Citibank
U.S. Bank 
 Wells Fargo
Price protection is a benefit that allows you to submit a claim if you find a lower advertised price for a purchased item. The item must be purchased with the eligible card and a claim submitted within a certain time period, typically 90 to 120 days after the purchase date.
You’ll need to provide original receipts with your claim along with copies of the advertisement where you found the lower price.
This benefit is only eligible up to a certain amount of coverage per item, as well as a total amount per year.
You’ll receive the difference between the purchased price and the advertised price you found.
Here is a sampling of the very few credit cards that still offer a price protection benefit:
Card Issuer
Applicable Card
Wells Fargo
Bottom Line: Shopping insurances and protections for eligible items you purchase with your card can offer valuable economic benefits should the item become damaged, lost, stolen, or you find the item for a lower price. When purchasing an item with your applicable credit card, be sure to save receipts in case you need to file a claim. 
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In addition to shopping protections, you’ll find several valuable travel insurance benefits on select credit cards.
Let’s dive into a few key travel insurance coverages and a list of some of the best cards on which you can find these benefits.
Primary car rental insurance covers you when renting a vehicle and provides coverage directly without having to first file a claim with your own insurance company should you have a covered incident. Normally, you’ll find coverage for damage, theft, loss of use, and some towing coverages.
The benefit is activated when you decline the collision damage waiver (CDW) or loss damage waiver (LDW) insurance from the rental car company. Liability coverage is not included on credit cards.
The following cards are among those that offer primary car rental insurance, but be sure to check out our article dedicated to the best credit cards for car rental insurance.
Card Issuer
Applicable Card
Chase
American Express
If you get stranded by the roadside, having access to complimentary roadside assistance could be extremely valuable. Unfortunately, more and more cards are removing premium roadside assistance coverages from their offerings.
Premium roadside assistance normally covers towing (with limits), tire changing, emergency fuel delivery, jump starts, and lockout service. There can also be a cap on the amount of coverage provided for each incident. Roadside dispatch service differs in that it provides assistance securing help and normally includes a discounted service call fee, however, you will be responsible for the entire service call fee.
Here are a few cards that still offer premium roadside assistance.
Card Issuer
Applicable Card
Chase
The majority of credit cards offer travel accident insurance. It is an ancillary coverage that rarely gets used but one that could provide a substantial benefit should a covered event occur.
The coverage only applies should there be death or severe injury when traveling on a common carrier during a covered trip.
Card Issuer
Applicable Card
Chase
American Express
If you’re looking for the best cards offering this benefit, explore our top list of cards that offer travel accident insurance. Or, for more general information on travel insurance, check out our article on the Ultimate Guide to Buying the Best Travel Insurance.
When your trip is canceled or disrupted you may incur unexpected expenses or change/cancellation fees. If you have the right card, you may be able to receive reimbursement if the cancellation or disruption is an event covered by the trip cancellation/interruption insurance on your card.
Card Issuer
Applicable Card
American Express
Trip delay insurance can save the day if you are stranded at the airport, but your flight doesn’t actually get canceled. Coverage varies by card but usually kicks in after a 6-12 hour delay.
Card Issuer
Applicable Card
Chase
American Express
If your baggage is lost, damaged, or stolen, it can put a damper on your trip. Baggage insurance can help compensate you in the event of a covered loss.
The coverage is found on a lot of cards but here are some of the best cards for luggage insurance. To learn more, check out our article on the best cards for lost, stolen, or damaged luggage insurance.
Card Issuer
Applicable Card
Chase
American Express
Delayed baggage insurance provides a means to be reimbursed for incidental expenses should your baggage be delayed a specific amount of time, usually more than 6 hours.
Card Issuer
Applicable Card
Chase
Bottom Line: Several cards offer some sort of baggage insurance. Learn about the details of this coverage and which cards offer protection if your bags are lost, stolen, damaged, or delayed, in our informative article. 
In addition to insurance and protections, you’ll find a variety of valuable benefits offered on many credit cards. Here’s a sampling of benefits you might find and
Some credit cards offer reimbursement for specific purchases in the form of a statement credit. If you can utilize this benefit, it can provide direct economic value and potentially offset much of the annual fee.
Here are some examples of cards that offer annual statement credits for specific purchases:
Premium credit cards such as the Amex Platinum card, the Chase Sapphire Reserve card, and the Citi Prestige card stand out by offering invitation-only events, VIP treatment, and presale ticket purchase access. You’ll find various levels of entertainment-related benefits on the majority of credit cards.
Learn more about these benefits and which credit cards are best for entertainment purchases in our comprehensive article.
If you travel frequently, you’re sure to appreciate having worldwide airport lounge access. This benefit is normally found on premium-level cards but other cards may offer a limited number of single-use passes.
Card Issuer
Applicable Card
Lounge Benefit
Chase
Priority Pass Select membership
United Club access
2 single-use United Club passes per card anniversary year
Centurion Lounge access, Priority Pass Select membership (enrollment required), International American Express Centurion Lounges, 10 Delta Sky Club visits when flying Delta (and the ability to earn unlimited visits), Escape lounges — The Centurion Studio Partner, select Lufthansa Lounges when flying Lufthansa
15 visits per year to the Delta Sky Club when flying Delta and can unlock an unlimited number of visits after spending $75,000 in purchases in a calendar year. You also receive 4 one-time guest passes each year
Admirals Club access
Priority Pass Select membership
Hot Tip: If airport lounge access is important to you, you’ll want to know all about credit cards with lounge access. We’ve put together an article with all the information you need. 
If something should go wrong during your travels, it’s good to know you have access to assistance 24/7. Most credit cards provide some level of travel assistance that can help you arrange emergency transportation, translation services, local medical referrals, and more.
Card Issuer
Applicable Card
Chase
American Express
Need hard-to-get dining reservations, help to arrange a birthday celebration, or assistance finding that perfect last-minute gift? One call to your complimentary concierge assistant could be the answer to your problem.
Premium cards such as the Chase Sapphire Reserve card, the Amex Platinum card, and the Citi Prestige card offer elite-level dedicated concierge service privy to only their premium cardholders. However, you can find concierge service on several other cards.

Card Issuer
Applicable Card
Citibank
Many hotel-branded credit cards come with hotel loyalty program elite status just for having the card.
Hotel Program and Cards that Provide Complimentary Elite Status
Marriott Bonvoy
Hilton Honors
World of Hyatt
IHG One Rewards
Bottom Line: Having hotel loyalty program elite status can deliver great benefits such as room upgrades, on-site amenities, greater earnings, early check-in, late checkout, and more. We’ve mentioned just a few of the major programs here, but for more information on these and additional cards offering complimentary hotel elite status and a faster path to elite status, check out our detailed article. 
Dig a little deeper when you’re looking for hotel elite benefits on your credit card. Many cards have affiliations with luxury hotel programs and offer elite-type benefits when using your card to book a stay.
You’ll find perks such as upgraded rooms, early check-in, late checkout, on-site amenities, daily hotel credits, complimentary breakfast, and more.
Card Issuer
Applicable Cards
Affiliated Hotel Program
Chase
Luxury Hotel and Resort Collection
 
 
 
Fine Hotels and Resorts
American Express Hotel Collection
Your Guide to Benefits is the definitive source for how to utilize the benefits found on your card, but you can always call the number on the back of your card to quickly find out which benefits you have and how to file a claim.
Like all insurance, filing a claim can be complicated and require receipts, copies of credit card statements, and other necessary documentation. You’ll also want to pay attention to specific deadlines for notifying the claims administrator of the loss and when the needed documentation needs to be submitted.
Keep in mind that credit card issuers do not handle insurance claims directly but utilize a third-party administrator. As a result, you’ll need to submit appropriate credit card statements and other seemingly redundant documentation.
In the end, however, the insurance that comes on your credit card could be an economic benefit should you need to file a claim.
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You’ll notice that we have not included every possible card offering each of these insurance coverages, protections, and benefits, but provided a sampling of the best cards in each category. To learn more about each coverage, and additional cards that offer a specific benefit, you’ll find links to further information included throughout this article.
Also note that coverages can be dropped or added at any time by the card issuer, so be sure to check your card’s Guide to Benefits or Cardholder Agreement for current coverage information.
The shopping and travel insurance benefits that come with your credit card can be some of the most underutilized benefits due to cardholders not knowing that these benefits exist.
Learning which benefits you have on each card could come in handy, potentially providing an economic benefit should you experience an unforeseen event.
The information regarding the Citi^®/AAdvantage^® Platinum Select^® World Elite™ Mastercard^®, U.S. Bank Visa Platinum Card, and Wells Fargo Visa Signature Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Credit cards can offer you many different protections like Price Protection, Purchase Protection, Return Protection, Extended Warranty Protection, Cell Phone Protection, Car Rental Insurance, Travel Accident Insurance, Trip Cancellation Insurance, and many more.
Most of the insurances that come with your credit card offer secondary coverage. This means that you must first file a claim with any other insurance that might apply.
However, in the case where no other insurance applies, or if the airline or insurance company does not pay the claim in full, credit card insurance can be beneficial and worth it.
Also, there is no additional cost for the insurance that comes on your credit card.
The travel insurance you have on your credit cards does not cover trip cancellations due to the fear of getting COVID-19. However, if you should need to cancel your trip or your trip is disrupted because you became ill, you may find coverage on your credit card.
Since each card coverage varies, you’ll want to reference your Guide to Benefits or call the number on the back of your card for additional information.
When you received your credit card in the mail, it came with a Guide to Benefits and/or Cardholder Agreement. These documents are the definitive resources for the benefits, protections, and insurances you have on your card.
You can also access these documents by logging into your credit card account online.
Another option is to call the number on the back of your card.
The information regarding the Citi Double Cash^® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information for the Citi Prestige^® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi^® / AAdvantage^® Platinum Select^® World Elite™ Mastercard^® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the AAdvantage^® Aviator^® Red World Elite Mastercard^® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 
The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding Ritz-Carlton Rewards^® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi^®/AAdvantage^® Executive World Elite Mastercard^® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold^® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless^® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Centurion^® Card from American Express was independently collected by Upgraded Points and was not provided nor reviewed by the issuer. 
For rates and fees of the American Express^® Gold Card, click here.
For rates and fees of the Blue Cash Preferred^® Card from American Express, click here.
For rates and fees of The Platinum Card^® from American Express, click here.
For rates and fees of The Business Platinum Card^® from American Express, click here.
For rates and fees of the Blue Cash Everyday^® from American Express, click here.
For rates and fees for the Delta SkyMiles^® Reserve Business American Express Card, click here.
For rates and fees of the Delta SkyMiles^® Platinum American Express Card, click here.
For rates and fees of the Delta SkyMiles^® Platinum Business American Express Card, click here.
For rates and fees for The Hilton Honors American Express Surpass^® Card, click here.
For rates and fees of Delta SkyMiles^® Reserve American Express Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant^® American Express^® card, click here.
For rates and fees of the Hilton Honors American Express Card, click here.
For rates and fees of the American Express^® Business Gold Card, click here.
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Christine ran her own business developing and managing insurance and financial services offices. 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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