Best Credit Cards with Travel Insurance
Cards with trip delay, cancellation, lost luggage, and travel accident coverage.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Top Pick
Bilt Palladium Card
Cardless
2x Bilt Rewards
2x × 2.0¢/pt = 4.0¢ per dollar
- +MasterRental Coverage: Covers repair/replacement cost for damage or theft (no fixed cap) plus up to $500 in loss-of-use charges when you decline the agency's CDW.
- +Trip Delay: Trip delay reimbursement up to $300 per trip when delayed 6+ hours, 1 claim per 12 months.
- +50,000 points bonus (~$1,000 value)
MASTERCARD
4.0¢
per dollar
$495/yr(est. $300/yr in usable credits)
Welcome: 50,000 points
Runner-Up
Capital One Venture Rewards Credit Card
Capital One
2x Capital One Miles
2x × 1.3¢/pt = 2.6¢ per dollar
Up to 2.7¢/$ via British Airways Club
- +Auto Rental Collision Damage Waiver: Get secondary collision damage waiver coverage for theft and collision damage on rental cars paid entirely with your Venture card
- +Travel Accident Insurance: Get automatic travel accident insurance coverage at no extra charge when you purchase common carrier travel with your Venture card
- +75,000 miles bonus (~$975 value)
MASTERCARD
2.6¢
per dollar
$95/yr(est. $15/yr in usable credits)
Welcome: 75,000 miles
Also Great
Fidelity Rewards Visa Signature Card
Elan Financial
2% cash back
- +Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage
- +Auto Rental Collision Damage Waiver: Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
- +Lost Luggage Reimbursement: Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
VISA
2.0¢
per dollar
No annual fee(est. $25/yr in usable credits)
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $300 | mastercard |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $95 | $15 | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | $25 | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $395 | $315 | visa |
| The Platinum Card from American ExpressAmerican Express | 1x Membership Rewards | 1.5¢/$ | $895 | $1,367 | amex |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.5¢/$ | $595 | $465 | mastercard |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $1,063 | visa |
| IHG One Rewards Premier Credit CardChase | 3x IHG One Rewards | 1.8¢/$ | $150 | $140 | mastercard |
| TD Double Up Credit CardTD Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
More Options
#4Capital One Venture X Rewards Credit Card$395/yr
2.6¢/$
#5The Platinum Card from American Express$895/yr
1.5¢/$
#6Citi Strata Elite℠ Card$595/yr
2.5¢/$
#7Chase Sapphire Reserve$795/yr
1.8¢/$
#8IHG One Rewards Premier Credit Card$150/yr
1.8¢/$
#9TD Double Up Credit CardNo fee
2.0¢/$
#10Wells Fargo Active Cash CardNo fee
2.0¢/$
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Open in full search with filters →Guides for this category
- Points & MilesPoints vs. cash back: 3 numbers that decide which card earns moreCash back is worth its face value; points are worth what you redeem them for. Compare earn rate, point value, and annual fee to see which pays you more.
- Points & MilesChase points for Hyatt versus a cash hotel rate: a worked comparisonA worked two-night comparison of Chase points transferred to Hyatt against the cash rate: the 4:3 ratio, resort fees, and the rewards a paid stay would earn.
- Points & MilesShopping portal cash back versus airline miles: compare usable value6% cash back or 4 miles per dollar? Find the break-even value per mile, apply each portal to its eligible subtotal, and check coupons before choosing.
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