Credit Cards with Baggage Protection (2026)
Baggage Protection perks across top credit cards, ranked by estimated value.
Top 3 Picks
All 58 Cards Compared
| # | Card | Benefit | Value | Annual Fee |
|---|---|---|---|---|
| 1 | The Business Platinum Card from American Express | Baggage Insurance Plan | Included | $895/yr |
| 2 | Bank of America Premium Rewards Credit Card | Lost Luggage Reimbursement | Included | $95/yr |
| 3 | British Airways Visa Signature® Credit Card | Lost Luggage Reimbursement | Included | $95/yr |
| 4 | World of Hyatt Credit Card | Lost Luggage Reimbursement | Included | $95/yr |
| 5 | Instacart Mastercard® | Lost Luggage Reimbursement | Included | No fee |
| 6 | Chase Sapphire Reserve for Business | Lost Luggage Reimbursement | Included | $795/yr |
| 7 | World of Hyatt Business Credit Card | Lost Luggage Reimbursement | Included | $199/yr |
| 8 | Citi Strata Premier Card | Lost or Damaged Luggage Insurance | Included | $95/yr |
| 9 | Disney Premier Visa Card | Lost Luggage Reimbursement | Included | $49/yr |
| 10 | Fidelity Rewards Visa Signature Card | Lost Luggage Reimbursement | Included | No fee |
| 11 | Hilton Honors American Express Aspire Card | Baggage Insurance Plan | Included | $550/yr |
| 12 | IHG One Rewards Premier Credit Card | Lost Luggage Reimbursement | Included | $150/yr |
| 13 | IHG One Rewards Credit Card | Lost Luggage Reimbursement | Included | No fee |
| 14 | Marriott Bonvoy Bold Credit Card | Lost Luggage Reimbursement | Included | No fee |
| 15 | Marriott Bonvoy Bountiful Credit Card | Lost Luggage Reimbursement | Included | $250/yr |
| 16 | Marriott Bonvoy Brilliant American Express Card | Baggage Insurance Plan | Included | $650/yr |
| 17 | Marriott Bonvoy Boundless Credit Card | Lost Luggage Reimbursement | Included | $95/yr |
| 18 | Southwest Rapid Rewards Performance Business Credit Card | Lost Luggage Reimbursement | Included | $299/yr |
| 19 | Southwest Rapid Rewards Premier Business Credit Card | Lost Luggage Reimbursement | Included | $149/yr |
| 20 | Southwest Rapid Rewards Priority Credit Card | Lost Luggage Reimbursement | Included | $229/yr |
| 21 | TD Cash Credit Card | Lost Luggage Reimbursement | Included | No fee |
| 22 | TD Double Up Credit Card | Lost Luggage Reimbursement | Included | No fee |
| 23 | TD First Class℠ Visa Signature® | Lost luggage reimbursement | Included | $89/yr |
| 24 | United Club℠ Business Card | Lost Luggage Reimbursement | Included | $695/yr |
| 25 | Capital One Venture X Rewards Credit Card | Lost Luggage Reimbursement | Included | $395/yr |
| 26 | Wells Fargo Autograph Journey Visa Credit Card | Lost Luggage Reimbursement | Included | $95/yr |
| 27 | BMO Escape | Lost or Damaged Luggage Coverage | Included | $150/yr |
| 28 | American Express Business Gold Card | Baggage Insurance | Included | $375/yr |
| 29 | Business Green Rewards | Baggage Insurance Plan | Included | $95/yr |
| 30 | The Hilton Honors American Express Business Card | Baggage Insurance Plan | Included | $195/yr |
| 31 | Princess® Rewards Visa® | Baggage Delay Insurance | Included | No fee |
| 32 | Southwest Rapid Rewards Plus Credit Card | Baggage Delay Insurance | Included | $99/yr |
| 33 | Aeroplan® Card | Baggage Delay Insurance | Included | $195/yr |
| 34 | Disney® Inspire Visa® Card | Baggage Delay Insurance | Included | $149/yr |
| 35 | Mastercard® Black | Baggage Delay Insurance | Included | $699/yr |
| 36 | Mastercard® Titanium | Baggage Delay Insurance | Included | $299/yr |
| 37 | United Business Card | Baggage Delay Reimbursement | Included | $150/yr |
| 38 | USAA Cashback Rewards Plus American Express® | Baggage Delay Reimbursement | Included | No fee |
| 39 | Business Advantage Travel Rewards World Mastercard® | Lost Luggage Assistance | Included | No fee |
| 40 | American Express Gold Card | Baggage Insurance Plan | Included | $325/yr |
| 41 | The Platinum Card from American Express | Baggage Insurance Plan | Included | $895/yr |
| 42 | Capital One Venture X Business | Lost Luggage Reimbursement | Included | $395/yr |
| 43 | Chase Sapphire Reserve | Baggage Delay and Lost Luggage Insurance | Included | $795/yr |
| 44 | Citi / AAdvantage Business World Elite Mastercard | Baggage Protection Insurance | Included | $99/yr |
| 45 | Citi / AAdvantage Executive World Legend Mastercard | Lost Baggage Protection | Included | $695/yr |
| 46 | Chase Sapphire Preferred Card | Baggage Delay Insurance | Included | $95/yr |
| 47 | Delta SkyMiles Gold American Express Card | Baggage Insurance Plan | Included | $150/yr |
| 48 | Delta SkyMiles Gold Business American Express Card | Baggage Insurance Plan | Included | $150/yr |
| 49 | Delta SkyMiles Platinum American Express Card | Baggage Insurance Plan | Included | $350/yr |
| 50 | Delta SkyMiles Platinum Business American Express Card | Baggage Insurance Plan | Included | $350/yr |
| 51 | Delta SkyMiles Reserve American Express Card | Baggage Insurance Plan | Included | $650/yr |
| 52 | Delta SkyMiles Reserve Business American Express Card | Baggage Insurance Plan | Included | $650/yr |
| 53 | Hilton Honors American Express Surpass Card | Baggage Insurance Plan | Included | $150/yr |
| 54 | Southwest Rapid Rewards Premier Credit Card | Baggage Delay Insurance | Included | $149/yr |
| 55 | TAP Miles&Go American Express® | Extra baggage | Included | $79/yr |
| 56 | United Club Card | Baggage Delay Insurance | Included | $695/yr |
| 57 | United Explorer Card | Baggage Delay Insurance | Included | $150/yr |
| 58 | United Quest Card | Baggage Delay Insurance | Included | $350/yr |