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Introduction to American Express Travel Protection

Types of travel protection offered, american express travel protection: a guide to your benefits.

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Hilton Honors American Express Aspire Card, Amex EveryDay® Preferred Credit Card, American Express® Green Card, The Plum Card® from American Express. The details for these products have not been reviewed or provided by the issuer.

• Some American Express cards offer trip cancellation and interruption benefits .
• You'll find these perks on cards like The Platinum Card® from American Express.
• If you're eager to sign up for a travel credit card with perks, compare each card's offerings.

Overview of Travel Protection Benefits

While credit card insurance and travel protection coverage are usually considered secondary to rewards programs and other cardholder perks, these benefits can be equally important if you travel.

When you pay for a trip with a credit card that offers trip cancellation and interruption insurance, for example, you can get reimbursed for some of your travel expenses in the event your vacation is halted for reasons beyond your control. Meanwhile, trip delay insurance lets you apply for some reimbursement when a delay of your trip results in surprise expenses, such as an unplanned hotel stay near the airport when your flight is on hold.

Importance of Travel Insurance

Chase credit cards like the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card have really stood out for years in terms of the protections they offer, and with some of the highest limits out there. Still, American Express is still coming around — it recently added trip cancellation and interruption insurance, along with trip delay coverage, to many of its top rewards credit cards. 

If you're in the market for an American Express card and you're hoping to take advantage of important travel benefits, consider the cards below and their expanded travel protections.

Trip Cancellation and Interruption Insurance

New trip cancellation and interruption insurance from American Express credit cards will provide you with up to $10,000 in coverage (and up to $20,000 per account per year) you can use for reimbursement of prepaid travel expenses like airfare and hotels. This coverage can come in handy if your trip is canceled for a covered reason beyond your control, or you're stuck in your destination and require an extended stay and additional costs before you can return home.

Note that this coverage is good for round-trip travel booked with your credit card, meaning you have to pay for travel expenses with a common carrier with your American Express credit card in order to be eligible.

American Express cards that qualify for this coverage include:

• The Platinum Card® from American Express
• Delta SkyMiles® Reserve American Express Card
• Hilton Honors American Express Aspire Card
• Marriott Bonvoy Brilliant® American Express® Card
• The Business Platinum Card® from American Express
• Delta SkyMiles® Reserve Business American Express Card

Other versions of the Amex Platinum card — including the Goldman Sachs, Morgan Stanley, and corporate flavors —  also offer this coverage, as do all versions of the Amex Centurion (black) card , which is invite-only.

Baggage Insurance Plan

Quite a few American Express credit cards also offer a baggage insurance plan, although this isn't a new or upgraded benefit from the card issuer. This coverage can come in handy if your luggage is lost or stolen during a covered trip. To be eligible for this coverage, you have to pay for travel with a common carrier (airfare, cruise fare, etc.) with your American Express credit card.

The amount of coverage you'll receive depends on the card you have. For example, baggage insurance from the The Platinum Card® from American Express offers up to $3,000 in coverage per person for carry-on luggage and up to $2,000 per person in coverage for some types of checked baggage.

With baggage insurance from the Amex EveryDay® Preferred Credit Card , on the other hand, you'll only qualify for up to $1,250 in coverage per person for carry-on luggage and up to $500 for covered checked baggage, although an extra benefit of $250 is offered for qualified "high risk items" like jewelry or sporting equipment. 

American Express cards that come with baggage insurance include:

• The Platinum Card® from American Express (including various versions)
• American Express® Gold Card (including various versions)
• American Express® Green Card (including various versions)
• Delta SkyMiles® Gold American Express Card
• Delta SkyMiles® Platinum American Express Card
• Hilton Honors American Express Surpass® Card
• Amex EveryDay® Preferred Credit Card
• The Plum Card® from American Express

American Express business cards with baggage insurance include:

• American Express® Business Gold Card
• The Blue Business® Plus Credit Card from American Express
• Delta SkyMiles® Gold Business American Express Card
• Delta SkyMiles® Platinum Business American Express Card
• Marriott Bonvoy Business® American Express® Card
• The Hilton Honors American Express Business Card
• Lowe's Business Rewards Card from American Express
• Amazon Business Prime American Express Card
• Amazon Business American Express Card

Various versions of the Amex Centurion card and several Amex corporate cards also offer baggage insurance.

Travel Accident Insurance

Some American Express cards also offer secondary auto rental coverage, which means this coverage kicks in after other policies you have are exhausted, as opposed to primary car rental coverage.

While this benefit applies to many Amex cards, note that coverage limits can vary. With the Amex Gold card, for example, coverage is limited to $50,000 per rental agreement for damage or theft, yet the Amex Platinum card offers up to $75,000 in coverage. The insurance doesn't cover personal liability, either.

Also note that this coverage comes with a certain amount of Accidental Death or Dismemberment Coverage that varies by card. With , for example, you'll receive up to $200,000 in coverage per person and up to $300,000 in coverage per car accident for accidental death and dismemberment. Make sure to read your credit card's terms and conditions so you know exactly how much coverage you have. 

American Express cards that come with secondary auto rental coverage include:

• The Platinum Card® from American Express (including various versions)
• Delta SkyMiles® Blue American Express Card
• Hilton Honors American Express Card
• Marriott Bonvoy American Express® Card (no longer available to new applicants)
• Blue Cash Everyday® Card from American Express
• Blue Cash Preferred® Card from American Express
• Amex Everyday® Credit Card from American Express

And business cards from Amex that offer secondary car rental insurance include:

While American Express did offer travel accident insurance on some of its cards, this coverage was effectively dropped as of January 1, 2020. The same is true for the American Express Roadside Assistance Hotline, which is no longer available.

Trip Delay Insurance

In January of 2020, American Express also rolled out an upgraded trip delay insurance benefit for many of its top rewards credit cards. While this perk may seem like an unusual one, there are so many scenarios where trip delay coverage could help you save money and avoid surprise expenses when travel is delayed beyond your control. 

With trip delay coverage from Amex, you can be reimbursed for up to $500 per trip for hotel stays, meals, and other miscellaneous required expenses when your flight or other trip plans are delayed by more than six hours. If you're sitting at the airport and your flight is suddenly delayed until the next morning, for example, you could use this coverage to get reimbursed for a nearby airport hotel and your dinner, then for an Uber or Lyft ride back to the airport.

To qualify for American Express trip delay coverage, you need to pay for your round-trip travel expenses with a common carrier with your credit card.

Amex cards that come with trip delay coverage include:

• American Express® Gold Card
• American Express® Green Card

Again, the various versions of the Amex Platinum and Amex Centurion cards also offer trip delay insurance.

Most travel protections are automatically activated when you use your American Express card to book your travel. However, specific activation steps, if any, depend on the benefit.

Covered reasons for trip cancellation or interruption typically include illness, severe weather, and other unforeseen events, reimbursing you for non-refundable travel expenses.

Yes, baggage insurance plans come with coverage limits, which vary depending on the card and the type of loss (e.g., lost, damaged, or stolen baggage).

The Global Assist Hotline offers medical, legal, and other emergency coordination and assistance services, but financial costs for services rendered are typically the cardholder's responsibility.

Eligibility for specific travel protections varies by card. Premium cards often offer more comprehensive protections compared to basic cards.

For rates and fees of The Platinum Card® from American Express, please click here.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. 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. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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• Amex Platinum Card

Full List of Travel Insurance Benefits for the Amex Platinum Card [2024]

Christine Krzyszton

Senior Finance Contributor

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Table of Contents

Amex platinum card overview, car rental loss and damage insurance, trip cancellation and trip interruption insurance, trip delay reimbursement, baggage insurance, premium global assist hotline, filing a claim, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Frequent travelers who are interested in premium travel benefits and solid reward-earning opportunities gravitate to The Platinum Card ® from American Express . The card, as well as The Business Platinum Card ® from American Express , has been the go-to card for meeting travelers’ earning, redemption, and benefits needs.

We frequently cover Membership Rewards points-earning opportunities , as well as a multitude of ways to maximize the redemption options . We’ve even done a deep dive into getting the most from statement credits offered by Amex cards.

Next up in our collection of articles focusing on the valuable perks that come with the Amex Platinum card is the card’s travel insurance benefits. Insurance can be inherently confusing in general and the insurance coverages that come with credit cards can be equally so.

Fortunately, even a quick overview will give you some insight as to the insurance coverages you can expect on the Amex Platinum card. So, right here and now, we’re stepping up to deliver just that.

Let’s take a look at exactly which insurances come with the card, how these benefits can provide a level of peace of mind, and find out what situations might trigger the coverage to provide economic value.

It’s important to have a little background on the card to put its coverage into context. Here are important card details, including the current welcome bonus and annual fee.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

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When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card  is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access , hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• $695 annual fee ( rates and fees )
• Airline credit does not cover airfare (only incidentals like checked bags)
• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• 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 with American Express Travel when you pay with 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.
• 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 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $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 ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck ® application fee for a 5-year plan only (through a TSA PreCheck ® official enrollment provider), 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.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.
• Terms Apply.
• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

American Express Membership Rewards

Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card comes with complimentary standard car rental insurance that provides secondary coverage when using your card to reserve and pay for your entire rental car contract. You also have the option to purchase premium primary car rental coverage .

For either coverage to be valid, you must decline the rental car agency’s LDW (loss damage waiver) or CDW (collision damage waiver) coverage when renting the vehicle.

Here’s an overview of how both of these coverages work:

Standard Car Rental Coverage

Secondary (standard) coverage means that you must first file a claim with any other applicable insurance you might have before the card coverage applies.

You can expect to receive excess secondary coverage for these losses:

• Damage to and theft of the vehicle
• Personal property up to $1,000 per person/$2,000 per accident
• Accidental injury up to $5,000 per claimant
• Accidental death/dismemberment up to $300,000

This is just a snapshot of the standard secondary car rental coverage; several terms and conditions apply. You should access the official guide to benefits or call your benefits administrator for specific information.

Premium Car Rental Protection Coverage

One of the real car rental insurance perks of holding the Amex Platinum card is having access to Premium Car Rental Protection coverage for just 1 low fee that covers the entire rental period, not a per-day charge like the rental agency charges.

Although there are some credit cards with primary rental car insurance , the American Express Premium Car Rental Protection coverage, in some circumstances, can provide equal or better coverage and elevated peace of mind. Terms and conditions apply.

Bottom Line: Consider Amex Premium Car Rental Protection if you don’t have a credit card that provides primary car rental insurance. Additionally, if you are renting an expensive vehicle that exceeds your card’s limit of coverage or the maximum length of the rental period on your other card is limited to less than 42 days, the Amex Premium Car Rental Protection could also be a prudent choice. 

Trip cancellation and trip interruption insurance are designed to cover unexpected, unforeseen events that may cause you to have to cancel your trip or that cause a disruption in a trip you’re already started.

To be eligible for coverage, purchase your entire round-trip common carrier ticket with your Amex Platinum card.

American Express has a broad definition of who is covered under this benefit. Eligible travelers can include the cardholder, traveling companion, family member of the eligible traveler, or family member of the traveling companion.

Examples of events that could be covered include the following:

• Bodily Injury or Illness — If you, a traveling companion, or a family member of either, experience an accidental injury or become ill, causing you to cancel your trip, you may have coverage
• Bad Weather — If extreme weather causes your trip to be canceled or disrupted, there could be coverage
• Change in Military Orders —Applies to cardmember and/or spouse (spouse definition includes domestic partner)
• Terrorist action or hijacking
• Jury duty or other qualifying legal obligation
• Uninhabitable dwelling of either the cardmember or traveling companion
• Quarantine imposed by a physician for health reasons

You can expect coverage of up to $10,000 per trip , and a maximum limit of $20,000 per card per 12-month period.

Terms and conditions apply.

Bottom Line: While the trip cancellation/trip interruption benefit covers specifically stated reasons for trip cancellation/interruption, there is no coverage for voluntary cancellations, disruptions due to known events, or for preexisting conditions. Additional terms and conditions can be found in your guide to benefits or call the benefits administrator prior to your trip.

Experiencing a trip delay is inevitable so having coverage for added expenses as a result of that delay could be a welcome economic benefit. To qualify for trip delay coverage, just pay for the full amount of your common carrier round-trip transportation ticket with your Amex Platinum card.

The delay must be for more than 6 hours for you to be eligible for reimbursement for necessary incidentals, meals, and lodging.

Coverage limits are $500 per covered trip and a maximum of up to 2 covered trips in each consecutive 12-month period. Coverage is secondary to other coverage that applies and does not include expenses that are reimbursed by the airline or other entities. Additional terms and conditions also apply.

Losing a checked bag used to be a very common occurrence. With new technology and tracking mechanisms, however, incidents have declined, but they still happen. If you do happen to experience lost bags, however, you can count on the baggage insurance found on the Amex Platinum card.

To activate the coverage , simply pay for your common-carrier fare with your card and/or Membership Rewards points.

Here’s the coverage you can expect for lost luggage:

• Checked Bags — Up to $2,000 per covered person, per trip
• Carry-on Bags — Up to $3,000 per covered person, per trip
• Specialty High-value Items — Up to $1,000 per person, per covered trip ($2,000 for New York residents, maximum $10,000 per trip)
• Combined Limit — The limit for all baggage, including high-risk items, is $3,000 per covered person, per single trip

Checked baggage is covered only while traveling on a common carrier . Carry-on baggage is additionally covered while traveling to , from , and when waiting at the carrier terminal.

Note that the coverage on the card is secondary to any other insurance or reimbursement you might receive from the airline. There is no coverage for delayed baggage , but several other credit cards do offer this coverage .

While technically not insurance coverage, having access to help when you’re traveling, 24/7, is sure to provide additional peace of mind. The Amex Platinum card offers a premium version of a dedicated helpline that serves as a welcome resource should things go wrong during your travels.

Here are the types of assistance you can expect from the service:

Emergency Medical Transport and Evacuation — Complimentary Coverages

One of the premium services offered on the card is complimentary emergency medical transport or evacuation . If you or a covered family member becomes injured or ill during your travels, you could receive emergency medical transportation or evacuation , if necessary.

You can expect to receive the following services without charge when arranged via the hotline:

• Emergency Transport or Evacuation — Transport to the nearest medical facility or transport from an inadequate medical facility
• Transport of Family Member — Transport may be covered for an adult member to be by the bedside of the cardmember or for the cardmember’s minor child (who had been traveling alone with the cardmember) to be transported back to the U.S.
• Transport of Remains — Amex will pay for the transport of remains back to the U.S.
• Post-Evacuation Assistance — If you’re evacuated and your return ticket back to the U.S. has become invalid, Amex will arrange and pay for transportation back to the U.S.

Please note that the Premium Global Assist Hotline does not cover any medical expenses or emergency transportation services arranged outside of the hotline. Several terms and conditions apply to these coverages.

Additional Medical Assistance

In addition to the complimentary coverages offered by the hotline, you’ll find these additional medical services:

• Medical Referrals — Receive help finding an English-speaking doctor, a hospital, or other needed medical services
• Prescription Replacement Assistance — Get help with replacing lost or forgotten medications

There is no charge for the referral service but cardmembers are responsible for actual services received from the provider.

Other Hotline Services

• Passport/Visa Assistance — Whether you need help replacing a passport or have a need to contact the U.S. consulate, the hotline can assist
• Emergency Translation Services — Receive over-the-phone services or written language translation assistance
• Legal Referrals — Should you need legal services during your trip, the hotline can help you find local bail bond services that accept Amex or refer you to other legal personnel
• Financial Assistance — The hotline can help you arrange cash wire services, help you check out of your hotel remotely, or assist with lost card situations
• Emergency Message Relay — In the event of an emergency, the hotline can send a message to a family member, friend, or another recipient on your behalf
• Lost Items — Should you lose an item, your baggage gets lost, or other missing possession, the hotline can help track it down
• Trip Planning Services — Access information such as weather, currency exchange rates, passport/visa requirements, customs information, travel warnings, and more

Bottom Line: The Amex Platinum card comes with complimentary emergency transportation and evacuation services with no stated limit. Additional medical, legal, and travel service referrals are also complimentary, but other than the emergency medical transportation and evacuation, services rendered must be paid for by the cardholder. 

As with any insurance claim, you’ll need to report any event as soon as possible, provide supporting documentation, and follow up after the claim has been filed.

You could be expected to submit any, or all, of the following:

• Copies of your common carrier ticket
• Copies of your credit card statement showing the expenses
• Proof of the loss (i.e. a copy of physician’s quarantine order, military orders, etc.)
• Copy of the travel supplier’s cancellation policy
• Any other supporting documentation requested by the claims administrator

Claims must be reported within 60 days but it is best to do it as soon as possible. Once you report the claim, you’ll receive instructions for completing the next steps in the process.

Hot Tip: Be sure to take photos and videos, keep receipts, secure any applicable police report, and hold on to other documentation that might be needed to support your claim. Keep in mind that supporting information can be difficult to obtain after the fact but may be readily secured at the time of the claim. 

While the insurance that comes with the Amex Platinum card won’t take the place of a comprehensive travel insurance policy , you’ll find value in several of the benefits.

Utilizing Premium Car Rental Protection, trip cancellation/interruption, trip delay, and complimentary emergency medical transport or evacuation could save you more than you could imagine in certain circumstances.

Additionally, knowing the coverages you have in advance has tremendous value. You’ll be armed with information to make educated decisions that can protect each aspect of your trip and be better prepared for how you might handle a covered incident during your travels. If you’re looking for other card options, see our article on the best credit cards for travel insurance .

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

For the car rental collision damage coverage benefit of The Platinum Card ® from American Express, 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. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. 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. For the trip cancellation and interruption insurance coverage benefit of The Platinum Card ® from American Express, 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. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the trip delay insurance benefits of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Platinum Card ® from American Express, 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. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the Premium Global Assist Hotline benefit of The Platinum Card ® from American Express, you can rely on the Global Assist Hotline 24 hours a day / 7 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. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. 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. 

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of The Business Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is the amex platinum card travel insurance any good.

While the insurance that comes on your Amex Platinum card does not replace a comprehensive travel insurance policy, there is value in the coverages that come complimentary on the card.

Benefits such as trip interruption/cancellation/delay insurance and Amex Premium Car Rental Protection can provide economic value by saving you money should something go wrong during your travels.

Having access to the Premium Global Assist Hotline and complimentary emergency medical transport or evacuation could render peace of mind knowing you have the coverage should you need it.

Does the Amex Platinum card cover flight cancellations?

The Amex Platinum card comes with trip cancellation, trip interruption, and trip delay insurance that can cover flight cancellations for only the specific (limited) reasons listed in the terms and conditions.

As with most insurance, the coverage that comes on your card is not meant to cover voluntary flight cancellations.

For these types of cancellations, you would need to purchase Cancel for Any Reason Insurance , which can be added to some comprehensive travel insurance policies.

Does the Amex Platinum card come with primary car rental insurance?

No. The Amex Platinum card comes with complimentary standard secondary car rental insurance, which means you must first file a claim with any other insurance that may apply before the card coverage is valid.

However, the card does offer a unique benefit that allows you to purchase premium primary car rental insurance for 1 low fee that covers the entire rental period.

This coverage is valid for rental periods up to 42 days in length and costs $12.25 to $24.95 per period, depending on the state in which you reside and the coverage limit you select.

Does the Amex Platinum have delayed baggage insurance?

While the Amex Platinum card comes with lost, stolen, or damaged luggage coverage, it does not offer a delayed baggage benefit.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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It all sounds great — until there’s a problem. What if there is a delay, interruptions, medical situation, or other problems during the cruise? You can always check with the cruise company to see what’s covered on their end and read the fine print. However, cruise insurance might be the answer for most cases except one.

Trip Cancellation, Delays and Interruption

Anything from unexpected sickness to severe weather conditions can interfere with your cruise. “This kind of coverage is essential any time of the year, but especially during hurricane season when storms can impact your travel plans,” per U.S. News and World Report.

Medical Emergencies

Nobody ever plans for a medical emergency on vacation, but it can happen. Health insurance often won’t cover medical costs while traveling, especially internationally.

According to the  U.S. Department of State , “The U.S. government does not provide insurance for U.S. citizens overseas. We do not pay medical bills or unexpected medical costs. We highly recommend that you buy insurance before you travel.”

So having cruise insurance that covers medical emergencies could save you big bucks.

Lost, Stolen or Delayed Baggage

Not having your luggage on a cruise is not a great way to start a vacation, but having insurance can give you peace of mind. “Coverage for baggage is important for cruises just like any other trip,” according to U.S. News and World Report. “This type of insurance can pay for essential items you need to buy if your bags are lost or stolen and don’t make it on the ship.”

Credit Card Travel Insurance

You may not need to buy cruise insurance if your credit card offers travel insurance. Many cards provide this service, but the Chase Sapphire Reserve card has the best travel insurance overall, according to  AP.

Learn More: 11 Expensive Vacation Destinations That Will Be Cheaper in 2024

Benefits include the following:

• Up to $10,000 per person and $20,000 per trip for trip cancellation coverage
• Up to $10,000 per person and $20,000 per trip for trip interruption coverage 
• Trip delay coverage is worth up to $500 per ticket (a six-hour delay is required)
• Baggage delay coverage worth up to $100 daily for five days
• Up to $3,000 per passenger for lost luggage reimbursement
• Up to $1 million for travel accident insurance 
• Up to $75,000 for primary rental car coverage 
• Up to $2,500 when you’re at least 100 miles from home for emergency medical and dental benefits 
• Up to $100,000 for emergency evacuation coverage

Buying travel insurance for your cruise can be worth it to help alleviate concerns and with the right plan can protect you if things go awry.

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This article originally appeared on GOBankingRates.com : 3 Reasons You Should Get Cruise Insurance and 1 Reason You Should Avoid It

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Yahoo Finance

Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

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Platinum Travel Insurance*

Comprehensive worldwide travel insurance for you, your immediate family, and your Supplementary Cardmembers and their immediate family, from the moment you book with your Card.

Please download the full insurance coverage documentation  here.

If you cancel a trip

Cancelling, postponing or abandoning your trip provides cover for up to £7,500 cover for unused travel, accommodation, excursion and leisure activities that have been paid for, or pre-booked, on the Card Account which are not refundable or a fee is charged to change them.

Key exclusions and limitations

* Pre-existing medical conditions other than those on the accepted conditions list which is available by visiting our Insurance Benefit Centre

* Cancellation due to business reasons

* Abandonment after the first leg of a trip

* £50 excess applies

* Circumstances known before booking a trip

* Disinclination to travel

If you cut short a trip

Cutting short your trip provides up to £7,500 cover for costs to return home (and to resume original trip) and unused travel and accommodation costs where a trip has been purchased on the Card Account.

*  Pre-existing medical conditions other than those on the accepted conditions list which is available by visiting our  Insurance Benefit Centre

*  No refund for unused tickets where an insurer has paid for alternative travel arrangements to the same destination

* Cutting short a trip due to lack of enjoyment or adverse weather conditions

If you experience a delay on your journey

- Up to £300 for missed departure due to accident or breakdown, travel delay, overbooking, or missed connection

- Up to £300 for baggage delayed by airline·

- Additionally, up to £300 for extended baggage delay by airline

*Claims where travel tickets were not purchased on the Card Account

*Purchases which are not on the Card Account

* Costs where a transport provider has offered an alternative

* Baggage delay on the final leg of a trip

* Purchases made after baggage has been returned

* Costs which are recoverable from any other source

* Delays of less than four hours

If you are renting a vehicle

Car Rental Benefits – Theft, Damage and Liability

- Up to £50,000 for theft or damage to vehicle (including any applicable excess)

- Up to £500,000 (Up to US$1 million in USA) for damage to another person or their property

* Commercial vehicles, motor homes, caravans and trailers

* Cover applies only when rental agency allows refusal of their insurance

* An insured person must be named on the rental agreement

If your travel documents, money or belongings are lost or stolen

Up to £2,000 cover for personal belongings, money and travel documents which are lost, stolen or damaged when your trip has been purchased on the Card Account.

You will not be covered in respect of the following:

• Deductions are made for wear and tear 
• Money or travel documents which are not kept on insured’s person or in a safe
• Loss, theft or damage that has not been reported to local police, transport or accommodation provider
• £50 excess applies
• £500 limit for money and travel documents
• £500 limit for a single item, pair or set of items
• Limit of £50 money cover for children under the age of 16 where no excess will apply

If you become ill or have an accident while travelling

Provides up to £2,000,000 cover for necessary medical, surgical and hospital costs during a trip, all necessary repatriation and evacuation costs, or £2,500 for local funeral, and £1,000 emergency dental treatment.

* Claims arising directly or indirectly from any pre-existing medical conditions other than those on the accepted conditions list which is available by visiting our  Insurance Benefit Centre

* Medical assistance and expenses benefits if aged 70 years or over at any time during the trip 1

* Medical treatment in the country of residence

* Sports or activities that may be considered dangerous

* All costs must be approved in advance by the Insurer. If the unexpected happens on your travels and you need medical assistance, we should be your first point of contact. Simply ring the number on the back of your Platinum Card and we will ensure you get the treatment you need by a doctor who speaks your language

* In order to receive certain insurance benefits, you need to purchase the trip on your Platinum Card in full

1 If you are concerned about cover ending at age 70 and how it affects you, your family or Supplementary Cardmembers, please call us on 0800 917 8054

If you suffer serious injury on your trip

Up to £50,000 for death or permanent disablement on a trip caused by an accident (increases to up to £250,000 when travelling on a public vehicle)

* Terrorist activities except on a public vehicle

* Participating in or training for professional sports

* Work-related accidents

* The benefit amount for death is reduced to £10,000 for children under the age of 16

If you need Legal Assistance

- Up to £25,000 legal defence costs and legal costs in pursuit of compensation

- Up to £1,000,000 for legal liability for injuring another person, or damaging their property or possessions

* Legal costs in pursuit of compensation where the Insurer feels there is no reasonable chance of winning a case or receiving compensation

* Claims made against the insured Person by family members or an employee of the insured Person

* Liability which is covered by another insurance

* Legal costs incurred when using a motorised vehicle owned or possessed by the insured Person (liability benefits may apply where the vehicle is rented)

* If legal proceedings are successful and costs are awarded in favour of the insured Person, any legal costs and expenses are to be reimbursed from costs awarded

* Subject to enrolment

To learn more visit https://www.americanexpress.com/uk/customer-service/faq.enrol-insurance-benefits.html

IMPORTANT INFORMATION: Descriptions of Platinum Card® insurance coverages are provided on this website for informational purposes only. The Terms and Conditions provide complete coverage information and supersede all other sources. Please note, by clicking the link below, you will be redirected to a third party website. 

What’s covered by credit card travel accident and emergency evacuation insurance?

Editor's Note

Many perks available from your credit cards are well-known and well-utilized. However, benefits such as trip cancellation insurance , delayed baggage insurance , lost baggage insurance , and trip delay protection can quite literally save the day and justify paying an annual fee.

Today, we'll explain a couple of lesser-known benefits that you hopefully won't have to use but, if needed, can protect you from extreme financial hardship and ensure your family and loved ones are provided for if something happens to you.

You can easily find the coverage and terms of any protection your travel credit card offers by doing a quick web search for the card's updated benefits guide. These benefits are not exclusive to travel credit cards , and many standard credit cards come with travel protection and insurance.

Travel accident insurance

Often called common carrier insurance , this policy pays in case of death, loss of eyesight or loss of limb(s) while on a plane, train, ship or bus licensed to carry passengers and available to the public. A few cards also have travel accident insurance that offers protection for the entire duration of a trip (up to 31 days long) but pays out less than the common carrier insurance policies. To be eligible, you must typically pay for the entire fare with the credit card.

Different credit cards have different payment tables for how much your beneficiary would receive in case of death, losing one limb, losing two limbs, losing sight in one eye or becoming legally blind. Coverage is also typically extended to authorized users on the account, spouses, domestic partners, and dependent children of the cardholder on trips paid for with the card.

By default, the beneficiaries in order of precedence are spouse, then children, then estate. You can submit a letter to the card issuer to establish another beneficiary.

Emergency evacuation insurance

In the past, when traveling to remote destinations like the Maldives and Fiji, I bought third-party emergency medical evacuation insurance , not realizing the cards I already had would have covered me. There are a few crucial aspects of emergency evacuation insurance offered by credit cards that you need to understand and follow so you don't compound your medical situation with the stress of financial hardship:

• Everything must be approved and coordinated through a benefits administrator. This is who you or your companions should call when things first start to look like you'll need assistance. You will not be reimbursed for anything that you decide to pay for on your own.
• Evacuation does not mean repatriation. If you're far overseas, you won't be evacuated back to the U.S. Most policies state you'll be moved to the nearest medical facility capable of proper care.
• Preexisting conditions may lead to your request for evacuation at the credit card provider's expense being denied. Read your credit card's full terms and benefits guide to see which exclude these conditions and the credit card's definition of a preexisting condition.
• The coverage is only for the cost of evacuation and medical care during transportation. Once you're back on the ground, you still need medical insurance to pay the doctors and staff who provide care.
• Some cards have country exclusions, so don't expect to head into Syria or Afghanistan and rely on your credit card benefits administrator to get you to a hospital.

To get all the relevant information, download and read the entire section of the benefits guide pertaining to these coverages. Here are a few cards offering travel accident and/or emergency evacuation insurance.

The Platinum Card® from American Express

The Amex Platinum card removed travel accident insurance in 2020. However, it still offers the most generous emergency evacuation insurance of any card.

There's no cost cap , and benefits are extended to immediate family and children under 23 (or under 26 if enrolled full-time in school). Best of all, you don't even have to use the card to pay for the trip.

You must be on a trip less than 90 days in length and at least 100 miles away from your residence. A Premium Global Assist (PGA) administrator must coordinate everything to not incur any cost. The benefit will also pay economy airfare for a minor under 16 to be returned home if left unattended, pay for an escort to accompany that minor if required to get them home and get a family member to the place of treatment if hospitalization of more than 10 consecutive days is expected.*

Other American Express cards offer access to the Premium Global Assist Hotline. However, anything they coordinate will be at your expense. Make sure you read your Amex card's benefits guide carefully.

For more details, see our full review of the Amex Platinum .

Related: Your complete guide to Amex travel protections

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

Apply here: Amex Platinum

Chase Sapphire Reserve® and Chase Sapphire Preferred® Cards

The Chase Sapphire Reserve ® offers two travel accident insurance benefits : common carrier travel accident insurance and 24-hour travel accident insurance. The former applies while riding as a passenger in, entering or exiting any common carrier. The latter applies any time during your trip — but you cannot be paid out on both the common carrier and 24-hour policies.

If you use your Chase Ultimate Rewards points to book your trip, you are covered under the card's benefits.

People eligible for coverage include "you, your spouse, your spouse's or domestic partner's children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews." Chase pays up to $1,000,000 for a common carrier loss and up to $100,000 for a 24-hour policy loss based on the following table:

Some interesting exclusions with Chase that would prevent a payout include the insured person participating in a motorized vehicular race or speed contest, the insured person participating in any professional sporting activity for which they received a salary or prize money or if the insured person traveling or flying on any aircraft engaged in flight on a rocket-propelled or rocket-launched aircraft.

The Chase Sapphire Reserve® also offers emergency evacuation insurance. If you or an immediate family member paid for at least a portion of your trip with the card, you're eligible for up to $100,000 in emergency medical evacuation.

Your covered trip must last between five and 60 days and be at least 100 miles from your residence. If you are hospitalized for more than eight days, the benefits administrator can arrange for a relative or friend to fly round-trip in economy class to your location. If your original ticket cannot be used, you can also be reimbursed for the cost of an economy ticket home. In a worst-case situation, the benefit also pays up to $1,000 to repatriate your remains.

The Chase Sapphire Preferred Card offers the same travel accident insurance as the Reserve, except with lower payouts on the common carrier policy. The benefits pay up to $500,000 for a common carrier loss and up to $100,000 for a 24-hour policy loss based on the following table:

For more details, see our full reviews of the Chase Sapphire Reserve and Chase Sapphire Preferred .

Related: Your guide to Chase's trip insurance coverage

Apply here: Chase Sapphire Reserve and Chase Sapphire Preferred

United Club℠ Infinite Card

The top-tier United Club℠ Infinite Card offers travel accident and emergency evacuation insurance. The travel accident insurance benefits pay up to $500,000 for a common carrier loss.

The card also carries the same benefit as the Chase Sapphire Reserve for emergency evacuation coverage, with up to $100,000 of coverage provided for evacuation.

For more details, see our full review of the United Club Infinite Card .

Apply here: United Club Infinite

Bottom line

We hope none of us perfectly ever have to worry about either of these policies, but it's nice to have peace of mind if you or your family need emergency assistance. This reassurance is one more reason to ensure one of these cards is always in your wallet when traveling.

The benefit guides of all cards are updated regularly, so make sure you don't toss them in the trash when updates show up in the mail and read the online guides for the latest terms and conditions.

Related: The best credit cards with travel insurance

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Faye Travel Insurance Review: Is It Worth the Cost?

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Travel insurance can be a worthwhile investment, especially if you’re worried about unexpected costs during your trip. There are a ton of different travel insurance companies out there, so finding one that suits your needs can be a struggle. That’s why we’ve done the work for you.

Let’s take a look at travel insurance provider Faye to see what type of plans the company offers, the coverage levels you can expect and whether Faye travel insurance is right for you.

About Faye travel insurance

Faye is the brand name for customizable travel protection plans offered by a company called Zenner Inc. Its website notes that it specializes in quick reimbursements, which can be a big draw for travelers. Policies issued by Faye are underwritten by the United States Fire Insurance Company.

» Learn more: How to pick between travel insurance providers

Faye insurance plans

Unlike many other travel insurance companies , Faye offers only one plan.

To find out what types of coverage Faye travel insurance plans include, we generated a quote for a 44-year-old woman from Arizona who was traveling to Italy for two weeks. Her total trip cost came in at $2,000.

Here’s what Faye provides:

This plan costs 7.03% of the overall trip cost, which is typical according to NerdWallet's analysis .

The plan is comprehensive and includes coverage you don’t typically see, such as reimbursement for lost credit cards and a payment for being inconvenienced.

Faye also offers a number of customizations; there are different add-ons from which to choose, all of which vary in price. More on your options in the next section.

» Learn more: How travel insurance for domestic vacations works

Plan add-ons

If you'd like to customize your Faye travel insurance plan to meet your needs more specifically, you can add on extra coverage for more money.

» Learn more: How does travel insurance work?

What isn’t covered by Faye

Even if you purchase a very comprehensive travel insurance policy, there are still situations where you’re not covered.

These include:

Bad weather, including hurricanes, if the policy was purchased after the storm was named.

Intentionally self-inflicted injuries or suicide.

Expenses incurred while under the influence of drugs or alcohol. 

High-risk sports for which you are paid. 

Psychological disorders, unless you’re hospitalized. 

War and acts of war. 

Illegal acts. 

Piloting or learning to pilot or acting as crew of an aircraft. 

To find the full list of exclusions for your specific policy, be sure to review your plan’s benefits schedule.

» Learn more: What to know before buying travel insurance

How to choose a Faye plan online

Purchasing a Faye travel insurance plan online is simple. You’ll first want to head to the company’s website to generate a quote.

You’ll need to input information like your age, where you live, where you’re going and how long you’re going to be away. Once you’ve got that all entered in, you’ll be taken to the results page.

Here, you’ll be able to see what plan options you have available, as well as what add-ons there are to pick.

After you’ve selected the coverage you’d like, you’ll need to go through the online checkout process.

» Learn more: Is travel insurance worth it?

Which Faye plan is best for me?

Although Faye has just one base plan available for purchase, it has plenty of different add-ons from which to choose. Faye sorts its bundles and add-ons according to the trip you’re taking, so you may see your bundled offer vary from time to time.

For tentative plans . Choosing to add on a Cancel For Any Reason (CFAR) policy can provide peace of mind if your travel plans aren’t solid. With the ability to get up to 75% of your money back, you’ll just want to make sure you’re canceling at least 48 hours in advance. 

For pet owners . Not many travel insurance companies include coverage for your pets , especially not when it comes to vet bills. With a low overall cost, this add-on can make a huge difference if you end up delayed on your return. 

For those wanting to customize everything . Faye’s base plan allows customers to create tons of different customizations according to their travel needs. Even though it’s costly, it makes up for it with wholly comprehensive coverage. 

Faye’s travel insurance offerings may suit your needs, but before purchasing a plan, take a look in your wallet. Many different travel credit cards offer complimentary travel insurance , which can include benefits such as trip cancellation reimbursement, rental car insurance and more.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

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.

Insurance Benefit: Trip Cancellation and Interruption Insurance

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.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.