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12 Best Credit Cards With Travel Insurance in 2025

Headshot of Sammi ScharfWritten by
Sammi Scharf
Headshot of Tracy BrackmanEdited by
Tracy Brackman
Content was accurate at the time of publication.
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Winner: Best credit card with travel insurance

Chase Sapphire Reserve<sup>®</sup>

Chase Sapphire Reserve®

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The Chase Sapphire Reserve® is the best credit card for travel insurance because it provides one of the most extensive lists of travel protections currently available from any credit card. You’ll also get valuable rewards, premium travel benefits and a multitude of travel credits.

 Is travel insurance worth it?

In short — yes. Credit card travel insurance can help you save hundreds of dollars each trip by eliminating the need to purchase a separate insurance policy, which could otherwise increase your trip cost by 3% to 10%. Depending on your coverage, you can automatically be protected when you use your credit card to pay for travel expenses like airfare, hotel stays or cruises.

Winner: Best credit card for travel insurance

Chase Sapphire Reserve®*

Chase Sapphire Reserve<sup>®</sup> Chase Sapphire Reserve<sup>®</sup>
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

5
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Estimated value in the first year of card ownership: $5,222*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$795
Rewards Rate1X - 8X points
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠
  • Earn 4x points on flights and hotels booked direct
  • Earn 3x points on dining worldwide
  • Earn 1x points on all other purchases
Welcome Offer100,000 points
Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Huge sign-up bonus
  • Generous earning rate
  • Up to $300 annual travel credit
  • Complimentary airport lounge access
  • Global Entry, TSA PreCheck or NEXUS fee credit
  • $795 annual fee
  • May require excellent credit
  • No intro APR

The Chase Sapphire Reserve® offers one of the most comprehensive lists of travel protections available from any credit card — making it our pick for the best credit card with travel insurance. Plus, you’ll get access to premium travel benefits, including a Global Entry, TSA PreCheck or NEXUS fee credit and Priority PassTM Select membership.

Chase Sapphire Reserve® travel insurance coverage

  • Auto rental coverage: Primary coverage of up to $75,000
  • Roadside assistance: Up to $50 per incident four times per year
  • Trip cancellation/interruption insurance: Up to $10,000 per person and $20,000 per trip
  • Trip delay reimbursement: Up to $500 per ticket
  • Lost luggage reimbursement: Up to $3,000
  • Baggage delay insurance: Up to $100 per day for five days for delays over six hours
  • Travel accident insurance: Up to $1,000,000
  • Travel and emergency assistance services
  • Emergency evacuation and transportation: Up to $100,000
  • Emergency medical and dental benefit: Up to $2,500 (subject to a $50 deductible)
  • Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
  • Member FDIC
*The information related to the Chase Sapphire Reserve® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
 Learn more about Chase Sapphire Reserve® travel insurance.

Best card with international traveler insurance

The Platinum Card® from American Express

The Platinum Card<sup>®</sup> from American Express The Platinum Card<sup>®</sup> from American Express
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.5
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Rates & Fees
|Terms Apply

Estimated value in the first year of card ownership: $5,040*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$695
Rewards Rate5X points
  • Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel® on up to $500,000 on these purchases per calendar year
  • Earn 5X Membership Rewards® points on prepaid hotels booked with American Express Travel®.
  • Terms apply. 
Welcome OfferAs high as 175,000 points
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Generous welcome offer
  • Flexible redemption options
  • Global airport lounge access for eligible card members
  • $1,000+ worth of travel and shopping credits
  • Global Entry/TSA PreCheck credit (enrollment required)
  • $695 annual fee
  • May be required to pay your balance in full each month
  • Low earning rate on non-travel purchases

The Platinum Card® from American Express is an excellent choice for international travel insurance and a solid runner-up to the Chase Sapphire Reserve® because of its extensive coverage and access to the Global Assist Hotline. You’ll can get more than $1,000 worth of credits and access to the Global Lounge Collection for eligible card members.

The Platinum Card® from American Express travel insurance coverage

  • Car rental loss and damage insurance1: Car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
  • Trip delay insurance2: Up to $500 per covered trip that is delayed for more than six hours; and two claims per eligible card in a 12-consecutive-month period
  • Trip cancellation insurance2: The maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12-consecutive-month period.
  • Trip interruption insurance2: The maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12-consecutive-month period.
  • Baggage insurance plan3: Baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen Baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip.
  • Premium Global Assist Hotline4: You can rely on Global Assist Hotline 24 hours a day/seven days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, the Premium Global Assist Hotline may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.
  • You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • 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 through American Express Travel using 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.
  • Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
  • A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
  • $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® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
  • $695 annual fee.
  • Terms Apply.

Best for a midrange travel card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
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Rates & Fees

Estimated value in the first year of card ownership: $2,332*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$95
Rewards Rate1X - 5X points
  • Enjoy benefits such as 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
Welcome Offer75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Accelerated rewards on popular spending
  • Valuable sign-up bonus
  • Points are worth more when redeemed through Chase TravelSM
  • Transfer points 1:1 to 10+ travel partners
  • $0 foreign transaction fees
  • $95 annual fee
  • No Global Entry/TSA PreCheck credit
  • No airport lounge access
  • No intro APR on purchases or balance transfers

While cards that offer the most travel insurance coverage often require hefty annual fees of more than $400, the Chase Sapphire Preferred® Card provides a broad range of coverage with just a $95 annual fee. In fact, it offers many of the same benefits as the Chase Sapphire Reserve®, including primary rental car insurance.

Chase Sapphire Preferred® Card travel insurance coverage

  • Auto rental coverage: Primary coverage for theft or damage to a rental vehicle
  • Trip cancellation/interruption insurance: Up to $10,000 per person and $20,000 per trip
  • Trip delay reimbursement: Up to $500 per ticket for delays over 12 hours
  • Baggage delay insurance: Up to $100 per day for five days
  • Travel and emergency assistance services
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 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
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC

Why it’s in my wallet

“Primary car rental protection is one of the most valuable benefits on my Chase Sapphire Preferred® Card. I can confidently turn down the collision damage waiver that the car rental agency tries to sell me at the counter. My card covers theft and damage to my vehicle, and I don’t have to worry about filing a claim with my personal insurance. It’s probably saved me hundreds of dollars.”

– Robin Ratcliff, managing editor at LendingTree

Runner-up

Wells Fargo Autograph Journey℠ Card*

Wells Fargo Autograph Journey<sup>℠</sup> Card Wells Fargo Autograph Journey<sup>℠</sup> Card
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3.8
Learn More

Estimated value in the first year of card ownership: $1,099*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$95
Rewards Rate1X - 5X points
  • Earn unlimited 5X points on hotels
  • Earn unlimited 4X points on airlines
  • Earn unlimited 3X points on other travel and restaurants,
  • Earn unlimited 1X points on other purchases.
Welcome Offer60,000 bonus points
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $50 annual statement credit
  • Up to 5X points on restaurant and travel purchases
  • No foreign transaction fee
  • $95 annual fee
  • No intro APR on purchases or balance transfers

The Wells Fargo Autograph Journey℠ Card is another option that offers solid travel insurance coverage for an affordable $95 annual fee. You’ll also get a $50 annual statement credit when you make your first airline purchase of $50 or more, as well as elevated rewards on travel purchases.

Wells Fargo Autograph Journey℠ Card travel insurance coverage

  • Auto rental coverage: Secondary coverage of up to $50,000
  • Roadside assistance: 24/7 assistance with no membership required
  • Trip cancellation/interruption insurance: Up to $15,000
  • Lost luggage reimbursement: Up to $3,000 per trip
  • Travel accident insurance: Up to $1,000,000
  • Travel and emergency assistance services
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
  • Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  • $95 annual fee.
  • Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  • Earn a $50 annual statement credit with $50 minimum airline purchase.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
*The information related to the Wells Fargo Autograph Journey℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card with travel insurance and no annual fee

Chase Freedom Unlimited®

Chase Freedom Unlimited<sup>®</sup> Chase Freedom Unlimited<sup>®</sup>
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
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Rates & Fees

Estimated value in the first year of card ownership: $622*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$0
Rewards Rate1.5% - 5% cash back
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Earn 1.5% on all other purchases
Welcome Offer$200 cash back
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Earns at least 1.5% on all purchases
  • Ability to transfer points to other Chase Ultimate Rewards® cards
  • Intro APR on purchases and balance transfers
  • Foreign transaction fees
  • Limited bonus spend categories

The Chase Freedom Unlimited® is one of the few $0-annual-fee cards to offer travel protections. This includes trip cancellation and interruption insurance of up to $1,500 per person and $6,000 per trip if your trip is canceled or shortened due to sickness, severe weather and other covered circumstances. Plus, you’ll also earn at least 1.5% cash back on every purchase.

Chase Freedom Unlimited® travel insurance coverage

  • Auto rental coverage: Covers theft or damage to most rental vehicles. Coverage is secondary in your country of residence
  • Trip cancellation/interruption insurance: Up to $1,500 per person, up to $6,000 per trip
  • Travel and emergency assistance services
  • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Best credit card for earning points with travel insurance

American Express® Gold Card

American Express<sup>®</sup> Gold Card American Express<sup>®</sup> Gold Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.3
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Rates & Fees
|Terms Apply

Estimated value in the first year of card ownership: $3,117*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$325
Rewards Rate1X - 4X points
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • Terms apply. 
Welcome OfferAs high as 100,000 points
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Valuable welcome offer
  • High earning rate at restaurants worldwide and U.S. supermarkets
  • Dining credit (enrollment required)
  • Uber Cash benefits (enrollment required)
  • Hotel credit
  • No foreign transaction fees
  • $325 annual fee
  • Statement credits have limitations that can make up difficult to use
  • No lounge access

The American Express® Gold Card offers some of the same insurance coverage as The Platinum Card® from American Express for a lower annual fee. This card is also an excellent dining rewards credit card. You’ll get a high earning rate at restaurants worldwide and on U.S. supermarket purchases, as well as a dining credit worth up to $120 each year (enrollment required).

American Express® Gold Card travel insurance coverage

  • Car rental loss and damage insurance1: Car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
  • Trip delay insurance2: Up to $300 per covered trip that is delayed for more than 12 hours; and two claims per eligible card per 12-consecutive-month period.
  • Baggage insurance plan3: Baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged or stolen baggage during their travel on a common carrier (e.g. plane, train, ship or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship or bus). For New York state residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip.
  • Premium Global Assist Hotline4: You can rely on Global Assist Hotline 24 hours a day/seven days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.

Best business credit cards with travel insurance

Ink Business Preferred® Credit Card

Ink Business Preferred<sup>®</sup> Credit Card Ink Business Preferred<sup>®</sup> Credit Card
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4.7
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on Chase's secure site
Rates & Fees

Estimated value in the first year of card ownership: $2,193*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$95
Rewards Rate1X - 3X points
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Welcome Offer90,000 points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Generous sign-up bonus
  • Rewards in popular business spending categories
  • Transfer points 1:1 to Chase partner airlines and hotels
  • $0 foreign transaction fees
  • $95 annual fee
  • Bonus categories are capped at $150,000 in spending per year
  • No intro APR offer on purchases

The Ink Business Preferred® Credit Card offers a few solid travel insurance options for a modest $95 annual fee, including primary rental car insurance. Plus, this card is a great option for international travel because there are $0 foreign transaction fees. Rewards are worth more when you redeem them for travel through Chase’s travel portal and can be transferred at a 1:1 rate to Chase TravelSMpartners.

Ink Business Preferred® Credit Card travel insurance coverage

  • Auto rental coverage: Primary rental coverage of up to $60,000
  • Roadside assistance: Emergency roadside services available for a fee
  • Trip cancellation/interruption insurance: Up to $5,000 per person and $10,000 per trip

 

  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

Runner-up

The Business Platinum Card® from American Express

The Business Platinum Card<sup>®</sup> from American Express The Business Platinum Card<sup>®</sup> from American Express
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4.4
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Rates & Fees
|Terms Apply

Estimated value in the first year of card ownership: $4,850*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$695
Rewards Rate1X - 5X points
  • Earn 5X points on flights and prepaid hotels booked on AmexTravel.com.
  • Earn 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • Earn 1X points on other eligible purchases
Welcome Offer150,000 points
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Excellent welcome offer
  • Access to the Global Lounge Collection
  • Marriott Bonvoy® Gold Elite Status (enrollment required)
  • Over $2,000 in annual statement credits with business and travel benefits (after meeting qualifying spend thresholds)
  • Rewards can be transferred to 15+ loyalty programs
  • No foreign transaction fees
  • $695 annual fee
  • No bonus categories for common business expenses

The Business Platinum Card® from American Express offers more extensive travel insurance coverage than the Ink Business Preferred® Credit Card, but you’ll get secondary car rental insurance instead of primary. It’s also an excellent choice for business travel perks because you’ll get more than $2,000 in travel and business credits (after meeting qualifying spend thresholds) and access to the Global Lounge Collection, which includes more than 1,400 airport lounges worldwide.

The Business Platinum Card® from American Express travel insurance coverage

  • Car rental loss and damage insurance1: Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
  • Trip cancellation/interruption insurance2: The maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12-consecutive-month period.
  • Trip delay insurance2: Up to $500 per covered trip that is delayed for more than six hours; and two claims per eligible card per 12-consecutive-month period.
  • Baggage insurance plan3: Baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York state residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip.
  • Premium Global Assist Hotline4: You can rely on Global Assist Hotline 24 hours a day/seven days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 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 10/2024.
  • Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
  • New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
  • 5X points on flights and prepaid hotels booked on AmexTravel.com
  • 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 1X points on other eligible purchases
  • Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
  • $695 Annual Fee.
  • Terms Apply.
 See all of our top picks for business travel credit cards.

Best airline credit cards with travel insurance

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles<sup>®</sup> Reserve American Express Card Delta SkyMiles<sup>®</sup> Reserve American Express Card
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4.1
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on American Express's secure site
Rates & Fees
|Terms Apply

Estimated value in the first year of card ownership: $2,012*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$650
Rewards Rate1X - 3X miles
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
Welcome Offer100,000 miles
Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Complimentary Delta Sky Club and Centurion Lounge access
  • Status boost features
  • Fee credit for Global Entry or TSA PreCheck (enrollment required)
  • Annual Companion Certificate
  • Up to $560 in annual statement credits (enrollment required)
  • $650 annual fee
  • Elevated rewards are only offered on Delta purchases

The Delta SkyMiles® Reserve American Express Card is the top choice for an airline credit card and a Delta credit card because of its long list of benefits, including travel insurance. Plus, this card comes with a unique way to reach Medallion status faster. You’ll get $2,500 Medallion Qualification Dollars each year and earn $1 Medallion Qualification Dollar per $10 on purchases.

Delta SkyMiles® Reserve American Express Card travel insurance coverage

  • Car rental loss and damage insurance1: Car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
  • Trip cancellation/interruption insurance2: The maximum benefit amount for trip cancellation and interruption Insurance is $10,000 per covered trip and $20,000 per eligible card per 12-consecutive-month period.
  • Trip delay insurance2: Up to $500 per covered trip that is delayed for more than six hours; and two claims per eligible card per 12-consecutive-month period.
  • Baggage insurance plan3: Baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged or stolen baggage during their travel on a common carrier (e.g. plane, train, ship or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship or bus). For New York state residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip.
  • Premium Global Assist Hotline4: You can rely on Global Assist Hotline 24 hours a day/seven days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.
  • Earn 100,000 Bonus Miles after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
  • Enjoy a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
  • $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over other Medallion Members within the same Medallion tier and fare class grouping when you fly with Delta.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

The New United Club℠ Card

The New United Club℠ Card The New United Club℠ Card
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4.1
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on Chase's secure site
Rates & Fees

Estimated value in the first year of card ownership: $2,477*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$695
Rewards Rate1X - 4X miles
  • Earn 4x miles on United® purchases
  • Earn 2x miles on dining and all other travel 
  • Earn 1x mile on all other purchases
Welcome Offer90,000 miles
Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Valuable sign-up bonus
  • Solid earning rate on United purchases, other travel and dining
  • United Club membership (a $750 value per year)
  • Free first and second checked bags
  • Global Entry, TSA PreCheck or NEXUS credit
  • $0 foreign transaction fees
  • $695 annual fee
  • Card benefits are limited to United
  • Requires excellent credit

The New United Club℠ Card is one of the top airline cards for travel insurance because you’ll get premium coverage like primary rental car insurance. Plus, the card comes with other high-end benefits for frequent travelers like lounge access, IHG One Rewards Platinum Elite status and premier upgrades on award tickets.

The New United Club℠ Card travel insurance coverage

  • Auto rental coverage: Primary rental coverage of up to $60,000
  • Trip cancellation/interruption insurance: Up to $10,000 per person and $20,000 per trip
  • Trip delay reimbursement: Up to $500 if your flight is delayed more than 12 hours
  • Lost luggage reimbursement: Up to $3,000
  • Baggage delay insurance: Up to $100 per day for three days when baggage is delayed over six hours
  • Limited-Time Offer: Earn 90,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on dining and all other travel
  • 1x mile on all other purchases
  • United Club℠ card membership - at least a $750 value
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn a 10,000-mile award flight discount after $20,000 in purchases to use toward an eligible award flight - up to two times each calendar year
  • Member FDIC
 See all of our top picks for airline credit cards.

Best hotel credit cards with travel insurance

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant<sup>®</sup> American Express<sup>®</sup> Card Marriott Bonvoy Brilliant<sup>®</sup> American Express<sup>®</sup> Card
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4
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on American Express's secure site
Rates & Fees
|Terms Apply

Estimated value in the first year of card ownership: $1,998
*This estimate is based on LendingTree’s value methodology.
Annual Fee$650
Rewards Rate2X - 6X points
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
  • Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines
  • Earn 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card
Welcome Offer150,000 points
Earn up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Generous welcome offer
  • Up to $300 dining statement credit (up to $25 per month)
  • Up to $100 Marriott Bonvoy® property credit
  • Marriott Bonvoy® Brilliant Free Night Award
  • Marriott Bonvoy® Platinum Elite Status
  • Fee Credit for Global Entry or TSA PreCheck®
  • Priority Pass Select (enrollment required)
  • $650 annual fee
  • Marriott points can’t be used for other hotel stays

The Marriott Bonvoy Brilliant® American Express® Card offers one of the most extensive lists of travel insurance for a hotel credit card. This card also offers luxury perks for Marriott loyalists like Marriott Bonvoy® Platinum Elite Status. Plus, you’ll get Priority Pass Select access (enrollment required), which includes an unlimited number of visits to 1,200+ airport lounges in over 130 countries.

Marriott Bonvoy Brilliant® American Express® Card travel insurance coverage

  • Car rental loss and damage insurance1: Car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
  • Trip cancellation/interruption insurance2: The maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period.
  • Trip delay insurance2: Up to $500 per covered trip that is delayed for more than six hours; and two claims per eligible card per 12-consecutive-month period.
  • Baggage insurance plan3: Baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York state residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip.
  • Premium Global Assist Hotline4: You can rely on Global Assist Hotline 24 hours a day/seven days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, it may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.
  • Earn up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy® Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
  • Enroll in Priority Pass Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection*, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. *Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Runner-up

Hilton Honors Aspire Card from American Express*

Hilton Honors Aspire Card from American Express Hilton Honors Aspire Card from American Express
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4
Learn More

Estimated value in the first year of card ownership: $1,625*
*This estimate is based on LendingTree’s value methodology.
Annual Fee$550
Rewards Rate3X - 14X points
  • Earn 14X points on eligible purchases at hotels or resorts in the Hilton Portfolio.
  • Earn 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants.
  • Earn 3X points on other purchases.
Welcome Offer175,000 points
Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Excellent welcome offer
  • High earning rate
  • Hilton Honors™ Diamond status (enrollment required)
  • More than $800 in annual credits
  • No foreign transaction fees
  • $550 annual fee
  • Hilton Honors points have a low value

If you prefer to stay at Hilton properties, the Hilton Honors Aspire Card from American Express comes with the highest level of travel benefits among Hilton credit cards. On top of the card’s substantial insurance coverage, you’ll get more than $800 in annual credits including up to a $400 Hilton resort credit and up to a $200 airline fee credit. Plus, you’ll get automatic Hilton Honors™ Diamond status (enrollment required).

Hilton Honors Aspire Card from American Express travel insurance coverage

  • Car rental loss and damage insurance1: Car rental loss and damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
  • Trip cancellation/interruption insurance2: The maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12-consecutive-month period.
  • Trip delay insurance2: Up to $500 per covered trip that is delayed for more than six hours; and two claims per eligible card per 12-consecutive-month period.
  • Baggage insurance plan3: Baggage Insurance Plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York state residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip.
  • Premium Global Assist Hotline4: You can rely on Global Assist Hotline 24 hours a day / seven days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.
  • 14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
  • 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants
  • 3X Hilton Honors Bonus Points on other purchases
  • Complimentary Hilton Honors Diamond status (enrollment required)
  • One Free Night Reward in your first year of Card Membership and every year upon Card renewal
  • Up to $400 Hilton Resort credit (up to $200 semi-annually)
  • Up to $200 flight credit (up to $50 per quarter, enrollment required)
  • Up to $199 CLEAR credit (enrollment required)
  • $100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package
  • National Car Rental® Emerald Club Executive® Status (enrollment required)
  • Access to 24/7 American Express concierge
  • No foreign transaction fees
  • Terms apply
*The information related to the Hilton Honors Aspire Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
 See all of our top picks for hotel credit cards.
 See all of our top picks for travel credit cards.
1. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
2. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
3. 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.
4. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. 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.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

The information related to the Chase Sapphire Reserve®, Wells Fargo Autograph Journey℠ Card and Hilton Honors Aspire Card from American Express has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

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