Best Credit Cards For Travel Insurance – Bankrate

Compare accounts
Get guidance
Compare accounts
Get guidance
Money market accounts
Money market accounts are similar to savings accounts, but offer some checking features as well.
Get guidance
Banking
Unlock financial rewards by signing up for a savings or checking account with a bonus offer.
Get guidance
Compare rates
Get guidance
Compare rates
Get guidance
Buying & selling
Find an expert who knows the market. Compare trusted real estate agents all in one place.
Get guidance
Compare investments
Get guidance
Compare plans
Get guidance
Finding an advisor
Get guidance
Compare cards
Find my matches
See your card matches
Answer a few quick questions and we’ll show you your top credit card options.
Compare cards
See what the experts say
Read in-depth credit card reviews to find out which cards have the best perks and more.
Get guidance
Get advice
Build credit
Compare lenders
Get guidance
Compare lenders
Get guidance
Compare lenders
Get guidance
Compare lenders
Get guidance
HELOC
A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.
Home equity basics
Home equity loans
Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.
Get guidance
Compare rates
Popular states
Compare rates
Popular states
Compare rates
Get guidance
Calculators
Get guidance
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
The advice in this article is offered by the team independent of any bank or credit card issuer. This article may contain from our partners, and terms may apply to offers linked or accessed through this page. as of posting date, but offers mentioned may have expired.
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Table of contents
Table of contents
Vacation mishaps happen — flights can be delayed, bags get lost and accidents occur. That’s why having travel insurance is a relief. And many of today’s best travel cards offer comprehensive perks to help your trip go smoothly.
Premium travel cards tend to offer the most coverage, but you can find lower annual fee options. Note that many co-branded airline credit cards and hotel credit cards also offer a version of travel insurance, so if you’re loyal to one brand, check the terms for its card offerings. Or choose from the best general credit cards for travel insurance below.
Tap into some of the most comprehensive travel insurance in the credit card market with the Chase Sapphire Reserve®. The $550 annual fee makes it a premium card, but you can offset much of the fee with up to $300 in statement credits on travel purchases per year. Add in generous rewards earnings on hotel stays, car rentals, air travel, restaurants and more and that annual fee all but disappears. Tapping into the insurance perks for trip delays, lost luggage or a rental car accident, for example, will also make the annual fee worth it. And did we mention the airport lounge access?
Learn more: Guide to the Chase Sapphire Reserve lounges
To justify one of the highest annual fees on the market, the The Platinum Card® from American Express offers 5X on flights and hotels booked through American Express Travel (up to $500,000 per calendar year), extensive lounge access through American Express Global Lounge Collection and a generous number of annual credits, among other perks. Cardholders also get comprehensive travel insurance.
For travelers willing to pay for a high-end travel card who also want decent flat-rate rewards on every purchase, the Capital One Venture X Rewards Credit Card is a good choice. Use Capital One Travel to earn 10X miles on hotels and rental cars and 5X miles on flights; additionally, earn 2X miles on all other purchases. Plus, get lounge access, an annual travel credit, expedited airport security and travel insurance.
Compared to other travel cards, the Chase Sapphire Preferred® Card is a top contender with its solid rewards and travel insurance for a modest $95 annual fee. The luxury perks are pared back from the Chase Sapphire Reserve, but you’ll still get comparable travel insurance with only slightly less coverage. Plus, earn extra rewards on a few purchase categories beyond travel.
The best cards with travel insurance typically require a good-to-excellent credit score. If you have bad or fair credit, consider our top picks for travel cards for bad credit.
If you’re shopping for a travel card that comes with travel insurance, consider all its features. That way, you can find a card that’s indispensable both on the road and at home. Here are a few tips:
Compare Cards
Compare card details side-by-side
Points & Miles Valuation Calculator
Calculate whether to use rewards or cash for your trip
If you’re trying to secure travel insurance through a credit card, one of the general travel card options above could be a good fit. You can also choose a co-branded airline card with travel insurance if you have a favorite carrier. Compare the limits and types of coverage, as well as rewards potential and luxury perks, to make sure you’re not overpaying for an annual fee. But if you travel far and often, a top-tier card can be a valuable addition to your wallet.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guides to Benefits for details, as terms and exclusions apply.
The advice in this article is offered by the team independent of any bank or credit card issuer. This article may contain from our partners, and terms may apply to offers linked or accessed through this page. as of posting date, but offers mentioned may have expired.
Table of contents
Best credit cards with annual credits
Best cash back credit cards for travel
Best credit cards for rental car insurance
Best travel credit cards for people with bad or fair credit
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access
BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access
© 2025 Bankrate, LLC. A Red Ventures company. All Rights Reserved.