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Best Credit Cards for travel insurance

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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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.

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Best Credit Cards for travel insurance

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

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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

Citi Strata Premier Card
1

Citi Strata Premier Card

Citi

1x ThankYou Points
1x × 1.6¢/pt = 1.6¢ per dollar

Why this card

  1. 1.Lost or Damaged Luggage Insurance
  2. 2.Trip Delay Protection
  3. 3.MasterRental Coverage (Car Rental Insurance)
  4. 4.Trip Cancellation and Interruption Insurance
  5. 5.Mastercard ID Theft Protection

$50 in credits offset the $95 fee

MASTERCARD
1.6¢
per dollar
$95/yr($50 in credits)
Annual rewards$96
+ Credits$50
− Annual fee$95
Net annual value$51
2

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles
2x × 1.9¢/pt = 3.7¢ per dollar

Why this card

  1. 1.Primary Auto Rental Collision Damage Waiver
  2. 2.Primary Car Rental Insurance

$315 in credits offset the $395 fee

VISA
3.7¢
per dollar
$395/yr($315 in credits)
Annual rewards$222
+ Credits$315
− Annual fee$395
Net annual value$142
3

The Platinum Card from American Express

Amex

1x Membership Rewards
1x × 1.5¢/pt = 1.5¢ per dollar

Why this card

  1. 1.Premium Car Rental Protection (Optional)
  2. 2.Trip Cancellation and Interruption Insurance
  3. 3.Trip Delay Insurance
  4. 4.Car Rental Loss and Damage Insurance

$1,397 in credits fully offsets the $895 fee

AMEX
1.5¢
per dollar
$895/yr($1,397 in credits)
Annual rewards$90
+ Credits$1,397
− Annual fee$895
Net annual value$592
U.S. Bank Altitude Connect Visa Signature Card
4

U.S. Bank Altitude Connect Visa Signature Card

Usbank

1x Usbank Altitude Rewards
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Rental Car Damage Coverage
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Trip Delay Reimbursement
  4. 4.Trip Cancellation and Interruption Insurance
  5. 5.Baggage Delay Insurance

No annual fee

VISA
1.0¢
per dollar
No annual fee($72.50 in credits)
Annual rewards$60
+ Credits$72.50
Net annual value$132.50
Capital One Quicksilver Student Cash Rewards Credit Card
5

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One

1.5% cash back

Why this card

  1. 1.Travel Insurance
  2. 2.Mastercard ID Theft Protection

No annual fee

MASTERCARD
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
6

Bilt Palladium Card

Cardless

2x Bilt Rewards
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

  1. 1.MasterRental Coverage
  2. 2.Trip Delay
  3. 3.Mastercard ID Theft Protection

$300 in credits offset the $495 fee

MASTERCARD
4.4¢
per dollar
$495/yr($300 in credits)
Annual rewards$264.00
+ Credits$300
− Annual fee$495
Net annual value$69
Chase Sapphire Preferred Card
7

Chase Sapphire Preferred Card

Chase

1x Ultimate Rewards
1x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.Auto Rental Coverage
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Lost Luggage Reimbursement
  4. 4.Trip Delay Reimbursement
  5. 5.Baggage Delay Insurance

$134 in credits fully offsets the $95 fee

VISA
1.8¢
per dollar
$95/yr($134 in credits)
Annual rewards$108
+ Credits$134
− Annual fee$95
Net annual value$147
Fidelity Rewards Visa Signature Card
8

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Trip Delay Reimbursement
  3. 3.Trip Cancellation and Interruption Insurance
  4. 4.Lost Luggage Reimbursement
  5. 5.Baggage Delay Insurance

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
9

One Key+ Card

Wells Fargo

2% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Cell Phone Protection
  3. 3.Trip Cancellation and Interruption
  4. 4.Common Carrier Travel Accident Insurance
  5. 5.Mastercard ID Theft Protection
MASTERCARD
2.0¢
per dollar
$99/yr
Annual rewards$120
− Annual fee$99
Net annual value$21
10

TD Double Up Credit Card

Td Bank

2% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Trip Delay Reimbursement
  3. 3.Lost Luggage Reimbursement
  4. 4.Baggage Delay Insurance
  5. 5.Visa Signature Travel & Emergency Assistance

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
Navy Federal Visa cashRewards Card
11

Navy Federal Visa cashRewards Card

Navy Federal

1.5% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Trip Delay Reimbursement
  4. 4.Baggage Delay Insurance
  5. 5.Visa Signature Travel & Emergency Assistance

No annual fee

VISA
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
Aeroplan® Card
12

Aeroplan® Card

Chase

1x Aeroplan
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Cell Phone Protection
  3. 3.Trip Delay Reimbursement
  4. 4.Trip Cancellation/Trip Interruption Insurance
  5. 5.Baggage Delay Insurance

$15 in credits offset the $195 fee

MASTERCARD
1.0¢
per dollar
$195/yr($15 in credits)
Annual rewards$60
+ Credits$15
− Annual fee$195
Net annual value-$120
Wells Fargo Active Cash Card
13

Wells Fargo Active Cash Card

Wells Fargo

2% cash back
Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Trip Delay Reimbursement
  3. 3.Baggage Delay Insurance
  4. 4.Up to 1.6¢/pt via Choice Privileges

No annual fee

VISA
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
Bank of America® Unlimited Cash Rewards for Students
14

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

1.5% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Lost Luggage Reimbursement
  3. 3.Trip Cancellation and Interruption Insurance
  4. 4.Trip Delay Reimbursement
  5. 5.Baggage Delay Insurance

No annual fee

VISA
1.5¢
per dollar
No annual fee
Annual rewards$90
Net annual value$90
Marriott Bonvoy Bountiful Credit Card
15

Marriott Bonvoy Bountiful Credit Card

Chase

2x Marriott Bonvoy
2x × 0.7¢/pt = 1.4¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Trip Delay Reimbursement
  3. 3.Purchase Protection
  4. 4.Lost Luggage Reimbursement
  5. 5.Extended Warranty Protection

$135 in credits offset the $250 fee

VISA
1.4¢
per dollar
$250/yr($135 in credits)
Annual rewards$84
+ Credits$135
− Annual fee$250
Net annual value-$31
16

PenFed Pathfinder Rewards Visa Signature Card

Penfed

1.5x Penfed Honors Advantage
1.5x × 0.9¢/pt = 1.3¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Lost Luggage Reimbursement
  3. 3.Trip Delay Reimbursement
  4. 4.Trip Delay Reimbursement
  5. 5.Baggage Delay Insurance

$50 in credits offset the $95 fee

VISA
1.3¢
per dollar
$95/yr($50 in credits)
Annual rewards$80.10
+ Credits$50
− Annual fee$95
Net annual value$35.10
DoorDash Rewards Mastercard®
17

DoorDash Rewards Mastercard®

Chase

1% cash back

Why this card

  1. 1.Cell Phone Protection
  2. 2.Trip Cancellation and Interruption
  3. 3.Auto Rental Coverage

No annual fee

MASTERCARD
1.0¢
per dollar
No annual fee($276 in credits)
Annual rewards$60
+ Credits$276
Net annual value$336
Citi Strata Elite℠ Card
18

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points
1.5x × 1.6¢/pt = 2.4¢ per dollar

Why this card

  1. 1.MasterRental Coverage
  2. 2.Mastercard ID Theft Protection

$762.50 in credits fully offsets the $595 fee

MASTERCARD
2.4¢
per dollar
$595/yr($762.50 in credits)
Annual rewards$144
+ Credits$762.50
− Annual fee$595
Net annual value$311.50
Chase Sapphire Reserve
19

Chase Sapphire Reserve

Chase

1x Ultimate Rewards
1x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.Baggage Delay and Lost Luggage Insurance
  2. 2.Emergency Evacuation & Transportation
  3. 3.Emergency Medical and Dental
  4. 4.Primary Rental Car Insurance
  5. 5.Travel Accident Insurance

$960 in credits fully offsets the $795 fee

VISA
1.8¢
per dollar
$795/yr($960 in credits)
Annual rewards$108
+ Credits$960
− Annual fee$795
Net annual value$273
Alaska Airlines Visa Signature Credit Card
20

Alaska Airlines Visa Signature Credit Card

Bank Of America

1x Atmos Rewards
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Extended Warranty Protection
  4. 4.Travel Accident Insurance
  5. 5.Visa Signature Travel & Emergency Assistance
VISA
1.0¢
per dollar
$95/yr
Annual rewards$60
− Annual fee$95
Net annual value-$35
H-D™ H.O.G.™ Elite Visa Signature®
21

H-D™ H.O.G.™ Elite Visa Signature®

Usbank

1x points

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Trip Cancellation and Interruption Insurance
  3. 3.Lost Luggage Reimbursement
  4. 4.Trip Delay Reimbursement
  5. 5.Baggage Delay Insurance

$104.50 in credits fully offsets the $99 fee

VISA
1.0¢
per dollar
$99/yr($104.50 in credits)
Annual rewards$60
+ Credits$104.50
− Annual fee$99
Net annual value$65.50
Amazon Visa
22

Amazon Visa

Chase

1% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Lost Luggage Reimbursement
  3. 3.Trip Delay Reimbursement
  4. 4.Baggage Delay Insurance
  5. 5.Travel Accident Insurance

No annual fee

VISA
1.0¢
per dollar
No annual fee
Annual rewards$60
Net annual value$60
23

TAP Miles&Go American Express®

Cardless

1x TAP Miles&Go

Why this card

  1. 1.Extra baggage
AMEX
1.0¢
per dollar
$79/yr
Annual rewards$60
− Annual fee$79
Net annual value-$19
Bilt Blue Card
24

Bilt Blue Card

Cardless

1x Bilt Rewards
1x × 2.2¢/pt = 2.2¢ per dollar

Why this card

  1. 1.MasterRental Coverage
  2. 2.Mastercard ID Theft Protection

No annual fee

MASTERCARD
2.2¢
per dollar
No annual fee
Annual rewards$132.00
Net annual value$132.00
25

Verizon Visa Card

Synchrony

1% cash back

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Trip Delay Reimbursement
  3. 3.Baggage Delay Insurance

No annual fee

VISA
1.0¢
per dollar
No annual fee
Annual rewards$60
Net annual value$60
Choice Privileges Mastercard
26

Choice Privileges Mastercard

Wells Fargo

1x Choice Privileges
1x × 0.8¢/pt = 0.8¢ per dollar

Why this card

  1. 1.Cellular Telephone Protection

No annual fee

MASTERCARD
0.8¢
per dollar
No annual fee
Annual rewards$48
Net annual value$48
Bilt Obsidian Card
27

Bilt Obsidian Card

Cardless

1x Bilt Rewards
1x × 2.2¢/pt = 2.2¢ per dollar

Why this card

  1. 1.MasterRental Coverage
  2. 2.Trip Delay
  3. 3.Mastercard ID Theft Protection

$20 in credits offset the $95 fee

MASTERCARD
2.2¢
per dollar
$95/yr($20 in credits)
Annual rewards$132.00
+ Credits$20
− Annual fee$95
Net annual value$57.00
Capital One VentureOne Rewards Credit Card
28

Capital One VentureOne Rewards Credit Card

Capital One

1.25x Venture Miles
1.25x × 1.9¢/pt = 2.3¢ per dollar

Why this card

  1. 1.Mastercard ID Theft Protection

No annual fee

MASTERCARD
2.3¢
per dollar
No annual fee
Annual rewards$138.75
Net annual value$138.75
BJ's One+™ Mastercard®
29

BJ's One+™ Mastercard®

Capital One

2% cash back

Why this card

  1. 1.Cell Phone Protection
  2. 2.Mastercard ID Theft Protection

No annual fee

MASTERCARD
2.0¢
per dollar
No annual fee
Annual rewards$120
Net annual value$120
Marriott Bonvoy Boundless Credit Card
30

Marriott Bonvoy Boundless Credit Card

Chase

2x Marriott Bonvoy
2x × 0.7¢/pt = 1.4¢ per dollar

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Trip Delay Reimbursement
  3. 3.Lost Luggage Reimbursement
  4. 4.Trip Delay Reimbursement
  5. 5.Lost Luggage Reimbursement

$50 in credits offset the $95 fee

VISA
1.4¢
per dollar
$95/yr($50 in credits)
Annual rewards$84
+ Credits$50
− Annual fee$95
Net annual value$39