Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Baggage Protection perks across top credit cards, ranked by estimated value.
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | Allways Rewards Visa® | Lost Luggage Reimbursement | $15/yr | $59/yr |
| 2 |
| Prime Visa |
| Lost Luggage Reimbursement |
| $15/yr |
| No fee |
| 3 | Amazon Visa | Lost Luggage Reimbursement | $15/yr | No fee |
| 4 | The Business Platinum Card from American Express | Baggage Insurance Plan | $15/yr | $895/yr |
| 5 | Atmos Rewards Ascent Visa Signature Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 6 | Bank of America Customized Cash Rewards Credit Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 7 | Bank of America Unlimited Cash Rewards Credit Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 8 | Atmos™ Rewards Visa Signature® Business Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 9 | Bank of America® Customized Cash Rewards for Students | Lost Luggage Reimbursement | $15/yr | No fee |
| 10 | Bank of America Premium Rewards Credit Card | Lost Luggage Reimbursement | Included | $95/yr |
| 11 | Susan G. Komen® Customized Cash Rewards | Lost Luggage Reimbursement | $15/yr | No fee |
| 12 | Bank of America® Travel Rewards | Lost Luggage Reimbursement | $15/yr | No fee |
| 13 | Bank of America® Unlimited Cash Rewards for Students | Lost Luggage Reimbursement | $15/yr | No fee |
| 14 | Bank of America Travel Rewards Credit Card for Students | Lost Luggage Reimbursement | $15/yr | No fee |
| 15 | Breeze Easy® Visa Signature® | Lost Luggage Reimbursement | $15/yr | $89/yr |
| 16 | Capital One Spark Cash Plus | Lost Luggage Reimbursement | $15/yr | $150/yr |
| 17 | British Airways Visa Signature® Credit Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 18 | Capital One Spark Cash Select | Lost Luggage Reimbursement | $15/yr | No fee |
| 19 | Chase Freedom Unlimited | Lost Luggage Reimbursement | $15/yr | No fee |
| 20 | World of Hyatt Credit Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 21 | Ink Business Cash® Credit Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 22 | Ink Business Preferred® Credit Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 23 | Ink Business Premier® Credit Card | Lost Luggage Reimbursement | $15/yr | $195/yr |
| 24 | Instacart Mastercard® | Lost Luggage Reimbursement | Included | No fee |
| 25 | Chase Sapphire Preferred Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 26 | Chase Sapphire Reserve for Business | Lost Luggage Reimbursement | $15/yr | $795/yr |
| 27 | World of Hyatt Business Credit Card | Lost Luggage Reimbursement | $15/yr | $199/yr |
| 28 | Citi Strata Premier Card | Lost or Damaged Luggage Insurance | Included | $95/yr |
| 29 | Disney® Inspire Visa® Card | Lost Luggage Reimbursement | $15/yr | $149/yr |
| 30 | Disney Premier Visa Card | Lost Luggage Reimbursement | $10/yr | $49/yr |
| 31 | Disney Visa Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 32 | Fidelity Rewards Visa Signature Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 33 | H-D™ H.O.G.™ Elite Visa Signature® | Lost Luggage Reimbursement | $15/yr | $99/yr |
| 34 | H-D™ Visa Signature® | Lost Luggage Reimbursement | $15/yr | No fee |
| 35 | Hilton Honors American Express Aspire Card | Baggage Insurance Plan | $15/yr | $550/yr |
| 36 | IHG One Rewards Premier Business Credit Card | Lost Luggage Reimbursement | Included | $99/yr |
| 37 | IHG One Rewards Premier Credit Card | Lost Luggage Reimbursement | $15/yr | $99/yr |
| 38 | IHG One Rewards Traveler Credit Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 39 | The Key Rewards Visa | Lost Luggage Reimbursement | $15/yr | No fee |
| 40 | Korean Air SKYPASS Visa Signature Business Card | Lost Luggage Reimbursement | $15/yr | $99/yr |
| 41 | SKYPASS Select Visa Signature® | Lost Luggage Reimbursement | $15/yr | $450/yr |
| 42 | SKYPASS Visa Signature® | Lost Luggage Reimbursement | $15/yr | $99/yr |
| 43 | Marriott Bonvoy Bold Credit Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 44 | Marriott Bonvoy Boundless Credit Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 45 | Marriott Bonvoy Bountiful Credit Card | Lost Luggage Reimbursement | $15/yr | $250/yr |
| 46 | Marriott Bonvoy Brilliant American Express Card | Baggage Insurance Plan | $15/yr | $650/yr |
| 47 | PenFed Pathfinder Rewards Visa Signature Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 48 | Southwest Rapid Rewards Performance Business Credit Card | Lost Luggage Reimbursement | $15/yr | $299/yr |
| 49 | Southwest Rapid Rewards Premier Business Credit Card | Lost Luggage Reimbursement | $15/yr | $149/yr |
| 50 | Southwest Rapid Rewards Premier Credit Card | Lost Luggage Reimbursement | $15/yr | $149/yr |
| 51 | Southwest Rapid Rewards Priority Credit Card | Lost Luggage Reimbursement | $15/yr | $229/yr |
| 52 | State Farm Business Cash Rewards Visa Signature® | Lost Luggage Reimbursement | $15/yr | No fee |
| 53 | State Farm Premier Cash Rewards Visa Signature® | Lost Luggage Reimbursement | $15/yr | No fee |
| 54 | TD Cash Credit Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 55 | TD Double Up Credit Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 56 | TD First Class℠ Visa Signature® | Lost luggage reimbursement | Included | $89/yr |
| 57 | United Business Card | Lost Luggage Reimbursement | $15/yr | $150/yr |
| 58 | United Club℠ Business Card | Lost Luggage Reimbursement | $10/yr | $695/yr |
| 59 | United Explorer Card | Lost Luggage Reimbursement | $15/yr | $150/yr |
| 60 | United Gateway Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 61 | United Quest Card | Lost Luggage Reimbursement | $15/yr | $350/yr |
| 62 | Universal Rewards Plus Visa Signature® | Lost Luggage Reimbursement | $15/yr | $99/yr |
| 63 | Universal Rewards Visa Signature® | Lost Luggage Reimbursement | $15/yr | No fee |
| 64 | U.S. Bank Altitude Go® Secured Visa® Signature | Lost Luggage Reimbursement | $15/yr | No fee |
| 65 | U.S. Bank Altitude Go Visa Signature Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 66 | U.S. Bank Business Altitude™ Connect Visa Signature® | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 67 | U.S. Bank Business Altitude™ Power Visa Signature® | Lost Luggage Reimbursement | $15/yr | $195/yr |
| 68 | U.S. Bank Smartly Visa Signature Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 69 | Venmo Credit Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 70 | Capital One Venture X Rewards Credit Card | Lost Luggage Reimbursement | Included | $395/yr |
| 71 | Wells Fargo Autograph Journey Visa Credit Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 72 | Wyndham Rewards Earner Business Card | Lost Luggage Reimbursement | $15/yr | $149/yr |
| 73 | Wyndham Rewards Earner Plus Card | Lost Luggage Reimbursement | $15/yr | $95/yr |
| 74 | Wyndham Rewards Earner Card | Lost Luggage Reimbursement | $15/yr | No fee |
| 75 | BMO Escape | Lost or Damaged Luggage Coverage | $10/yr | $150/yr |
| 76 | Business Green Rewards | Baggage Insurance Plan | $10/yr | $95/yr |
| 77 | American Express Business Gold Card | Baggage Insurance | Included | $375/yr |
| 78 | The Hilton Honors American Express Business Card | Baggage Insurance Plan | $15/yr | $195/yr |
| 79 | Costco Anywhere Visa® Business | Baggage Delay Insurance | $10/yr | No fee |
| 80 | Kohl's Rewards® Visa | Baggage Delay Insurance | $10/yr | No fee |
| 81 | Navy Federal Visa cashRewards Card | Baggage Delay Insurance | $10/yr | No fee |
| 82 | Nordstrom Rewards | Baggage Delay Insurance | $10/yr | No fee |
| 83 | PenFed Platinum Rewards Visa Signature® Card | Baggage Delay Insurance | $10/yr | No fee |
| 84 | Pottery Barn Key Rewards Visa | Baggage Delay Insurance | $10/yr | No fee |
| 85 | Princess® Rewards Visa® | Baggage Delay Insurance | $10/yr | No fee |
| 86 | Southwest Rapid Rewards Plus Credit Card | Baggage Delay Insurance | $10/yr | $99/yr |
| 87 | T-Mobile Visa® | Baggage Delay Insurance | $10/yr | No fee |
| 88 | U.S. Bank Altitude Connect Visa Signature Card | Baggage Delay Insurance | $10/yr | No fee |
| 89 | Verizon Visa Card | Baggage Delay Insurance | $10/yr | No fee |
| 90 | Wells Fargo Active Cash Card | Baggage Delay Insurance | $10/yr | No fee |
| 91 | Wells Fargo Reflect Card | Baggage Delay Insurance | $10/yr | No fee |
| 92 | West Elm Key Rewards Visa | Baggage Delay Insurance | $10/yr | No fee |
| 93 | Williams Sonoma Key Rewards Visa | Baggage Delay Insurance | $10/yr | No fee |
| 94 | Marriott Bonvoy Bevy American Express Card | Baggage Delay Insurance | Included | $250/yr |
| 95 | Capital One Venture X Business | Baggage Delay Insurance | Included | $395/yr |
| 96 | Aeroplan® Card | Baggage Delay Insurance | $10/yr | $195/yr |
| 97 | Mastercard® Black | Baggage Delay Insurance | $10/yr | $699/yr |
| 98 | Mastercard® Titanium | Baggage Delay Insurance | $10/yr | $299/yr |
| 99 | Business Advantage Travel Rewards World Mastercard® | Lost Luggage Assistance | Included | No fee |
| 100 | Delta SkyMiles Platinum Business American Express Card | Baggage Insurance Plan | $15/yr | $350/yr |
| 101 | American Express Gold Card | Baggage Insurance Plan | $15/yr | $325/yr |
| 102 | The Platinum Card from American Express | Baggage Insurance Plan | Included | $895/yr |
| 103 | Atmos Rewards Summit Visa Infinite Credit Card | Lost Luggage Reimbursement | $15/yr | $395/yr |
| 104 | BMO Premium Rewards Mastercard® | Lost or Damaged Luggage Protection | Included | $95/yr |
| 105 | Bank of America® Premium Rewards® Elite | Lost Luggage Reimbursement | $15/yr | $550/yr |
| 106 | Chase Sapphire Reserve | Baggage Delay and Lost Luggage Insurance | $15/yr | $795/yr |
| 107 | Citi / AAdvantage Business World Elite Mastercard | Baggage Protection Insurance | Included | $99/yr |
| 108 | Citi / AAdvantage Executive World Elite Mastercard | Lost Baggage Protection | $15/yr | $695/yr |
| 109 | Delta SkyMiles Gold American Express Card | Baggage Insurance Plan | $15/yr | $150/yr |
| 110 | Delta SkyMiles Gold Business American Express Card | Baggage Insurance Plan | $15/yr | $150/yr |
| 111 | Delta SkyMiles Platinum American Express Card | Baggage Insurance Plan | $15/yr | $350/yr |
| 112 | Delta SkyMiles Reserve American Express Card | Baggage Insurance Plan | $15/yr | $650/yr |
| 113 | Delta SkyMiles Reserve Business American Express Card | Baggage Insurance Plan | $15/yr | $650/yr |
| 114 | Hilton Honors American Express Surpass Card | Baggage Insurance Plan | $15/yr | $150/yr |
| 115 | Marriott Bonvoy Business American Express Card | Baggage Delay Insurance | $15/yr | $125/yr |
| 116 | TAP Miles&Go American Express® | Extra baggage | $10/yr | $79/yr |
| 117 | United Club Infinite Card | Baggage Delay Insurance | $15/yr | $695/yr |
