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  • Dec 6, 2023

Review: BPI Visa Signature credit card

Being one of the biggest banks in the Philippines, BPI surprisingly has limited credit card options with a total of only 10 credit cards. I only. Here is what I think about BPI's best credit card the Visa Signature.

I first got this card in 2019 when it was offered to me with a 3-year waived annual fee for being a BPI-preferred client. I thought it was a pretty good deal since most banks only offer the first year of the annual fee to be waived for their best cards. Of course, the more basic credit cards have free annual fee-for-life promos but the perks and rewards of those cards are minimal.

Related: BDO American Express Explorer credit card review

bpi signature card travel insurance

Spend-to-mile ratio

If you know me then you know that I almost only get travel credit cards, and the most important thing about a travel credit card is its spend-to-mile ratio because that's how we can get free flights.

BPI recently underwent a change with its rewards program. Points earned used to be called Real Thrills Reward points and Real Thrills Rewards Premium points, it's a mouthful to say and a horrible way to name them, to be honest. Good thing they simplified it to BPI points.

So the BPI Visa Signature's earn rate is 2 BPI points for every ₱20 spend, which is the best among the BPI credit cards right now. But points to miles is not always 1 is to 1. I've gone through the tedious task of calling BPI to get the updated redemption values for the 3 airlines BPI partners with since it can't be found on their website.

Philippine Airlines - 16,000 BPI points for every 1,000 Mabuhay Miles

₱160 spend for 1 Mabuhay Mile

Singapore Airlines - 25,000 BPI points for every 1,000 KrisFlyer Miles

₱250 spend for 1 KrisFlyer Mile

AirAsia - 8,000 BPI points for every 1,000 AirAsia points

₱80 spend for 1 AirAsia point

(10 working days processing time)

As you can see above the earn rate is absolutely abysmal. This wasn't the case before and the earn rate was pretty good before. Read about my old review of the BPI Visa Signature

bpi signature card travel insurance

I currently have 192,958 BPI points accumulated over the past couple of years as seen here on the VYBE app by BPI (which sucks). If I were to convert that to Mabuhay Miles, I would only get 12,000 Mabuhay Miles which really isn't much considering I spent ₱1.9M and I can only redeem it for roughly a roundtrip flight from Cebu and Manila.

Lounge access

Unlimited lounge access is granted in the PAGSS lounges in NAIA T1 and T3 with one companion. The PAGSS lounge in T1 is decent, to say the least, but the one in T3 is basically a small room dark room with just 2 food choices, soft drinks, coffee, and tea. Still better than waiting in the boarding gate I guess and at least the wifi was good.

Low foreign transaction fee

A bright side of the card is its low foreign transaction fee of just 1.85% compared to other credit cards here in the Philippines. This makes it nice to use when you're abroad or when you're buying something online with a different currency.

Travel Insurance

The Visa Signature card does have a ₱20M free travel insurance if you book your travel with the card, but I do suggest booking a separate travel insurance and not relying on the free credit card insurance as they are usually loaded with very specific fine prints that may make you ineligible. Claiming can be a pain in the butt as well so make sure you read the terms and conditions first.

Visa Luxury Hotel Collection

Visa's counterpart to the hotel section of Mastercard's Travel and Lifestyle Services, The Visa Luxury Hotel Collection enables you to get elite status-like benefits at participating luxury hotels worldwide.

Standard perks include:

Best rate guaranteed

Room upgrade upon arrival, when available

$25 or food and beverage credits

Complimentary breakfast for 2

Late check-out, when available

VIP guest status*

*varies per property

As somebody who likes staying in nice hotels it's an amazing perk to have. I have however never tried booking through the Visa Luxury Hotel Collection since I prefer the Mastercard Travel and Lifestyle version. You can read more about my experience with the Mastercard equivalent here .

Other Visa Signature perks

Include specific Visa promos in participating stores, restaurants, and websites as well as concierge and airport meet & greet services, which I think most of us won't ever use since it's just a discount.

It's a sad fall from what was once a good travel card to a below-average travel credit card. Lounge access is only at PAGGS lounges in 2 locations and the spend to mile earn rate is horrible. Match that with the heavy annual fee of ₱5,500 and it just isn't worth it unless you shop a lot abroad and make back the annual fee through savings with the low foreign transaction fees.

My personal advice is it's a horrible way to earn airline miles and if you're paying the annual fee it's not worth having.

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Check the miles conversion again sa BPI website, they have bonus miles if your using BPI Sig. The conversion of peso to miles is Php 50.

Thanks for this review. What would you consider to be the best travel card now?

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Everything you need to know about Visa Signature card benefits

Chris Dong

Update : Some offers mentioned below are no longer available. View the current offers here .

As a Visa credit cardholder, you're entitled to everyday card perks and benefits. Visa buckets these benefits into three tiers, depending on what specific card you have and who the card issuer is . The benefits fall into one of the following categories: Visa Traditional, Visa Signature, or Visa Infinite – each with more perks than the last.

Let's dive into exactly what Visa Signature is and how those benefits can impact you.

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How do I know if I have a Visa Signature card?

Visa Signature is in the middle of the benefits lineup and includes many common cards in the Visa network.

There are several ways to determine if you have a Visa Signature card. First, many cards simply have it in their name (i.e. Alaska Airlines Visa® credit card or the Amazon Prime Rewards Visa Signature ). Another way to find out if you have a Visa Signature is by simply looking at it. Most cards have the "Visa Signature" label located somewhere on the physical card. This includes one of the most common Visa Signature cards, the Chase Sapphire Preferred Card (it's on the back, in case you were wondering).

The information for the Amazon Prime Rewards and Chase Freedom cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Also, all Visa Signature cards will have a minimum credit limit of $5,000. Keep in mind that with this stipulation, it could mean the same exact card can be both a lower-tier Visa Traditional card and a more benefit-generous Visa Signature card.

For instance, If you're approved for a card like such as the Chase Freedom (no longer open to new applicants) with a credit limit below $5,000, you'll be given Traditional card benefits. However, if your limit is above this threshold, then you'll receive Signature benefits.

Overview of Visa Signature benefits

The Visa Signature benefits span a wide range, from extra travel and purchase protections to deals and concierge access. Please note that select cards may have different benefits than what is listed here, so please check with your issuer to find exactly what perks they are offering under Visa Signature.

Below is the minimum that Visa Signature-branded cards offer:

Visa Traditional benefits

  • Cardholder inquiry service
  • Lost or stolen card reporting
  • Emergency card replacement and emergency cash disbursement
  • Auto rental collision damage waiver
  • Zero liability policy
  • Roadside dispatch

New Visa Signature benefits

(Image by Roberto Westbrook / Getty Images)

In response to the changing nature of consumer habits during the pandemic, Visa added some additional benefits for cardholders:

  • Shipt : Get groceries, household essentials, and more delivered in as soon as one hour – enrolled Visa consumer credit cardholders get a free membership, which includes free same-day delivery on orders $35+.
  • Sofar Sounds : This is a unique opportunity to explore music in a more personal, intimate way – and Visa consumer credit cardholders enjoy exclusive access to select Sofar events and eligibility for a free ticket per show with purchase.
  • Skillshare : Enjoy unlimited access to thousands of classes and discounts on membership – and explore how it feels to bring your ideas to life with inspiring online classes.
  • NortonLifeLock : ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly should the unexpected -- your identity is stolen -- happens.

Existing Visa Signature perks

These cards also offer a number of existing perks to cardholders — though you'll want to check with the bank that issues your specific card to make sure you know the full extent of your benefits.

Travel and emergency assistance services: These include an array of benefits should you need help regarding a trip or emergency situation. These include things such as pre-trip assistance with visas and immunization, emergency transportation assistance, prescription assistance, emergency translation service, legal aid and much more. This perk just covers finding the resource — any actual service rendered would incur a fee. Within the U.S., you can call 1-800-992-6029 to get started. If you're outside the United States, call collect at 1-804-673-1675.

Roadside dispatch : This perk is a pay-per-use roadside assistance program that you can access 24/7 for a set price per service call.

Emergency card replacement : If your card is lost or stolen, Visa will work with your issuing bank to expedite the shipment of a replacement card (generally within 24-72 hours).

Visa Offers and perks : There are many retail partners and benefits that are available to Visa Signature cardholders. These include:

  • Benefits and exclusive access to Visa Signature and Visa Infinite cardholders at more than 50 select Sonoma County Visa Signature wineries.
  • Discover premium benefits at more than 95 golf courses across the United States and the world with the Visa Signature Troon Golf Benefit.
  • Complimentary concierge services to assist with current and future travel needs, sending that special gift and helping make your life a bit easier.
  • Rental car discounts with Silvercar .
  • Enjoy world-class celebrity chef and winemaker experiences.

Visa Signature cards with added perks

Although Visa Signature cards come with a number of standard benefits (as listed above), some cards may come with even more. This depends on the issuer of the card in question. For instance, the Chase Sapphire Preferred also comes with the following perks:

  • Luxury Hotel Collection : With select Visa Signature cards, if you book online and pay with a qualifying card, you'll get such hotel perks like free breakfast for two, a $25 food or beverage credit, complimentary Wi-Fi and more.

bpi signature card travel insurance

  • Baggage delay and lost luggage reimbursement : Some cards will give you funds to purchase necessities when your bags are delayed (by six hours or more on the Sapphire Preferred), and some also offer reimbursement if an airline or other common carrier permanently misplaces your bags.
  • Trip delay reimbursement : This covers necessary expenses, such as food and lodging, when your trip is delayed. On the Sapphire Preferred, this kicks in after a 12-hour delay (or unexpected overnight) and covers up to $500 per ticket.
  • Trip cancellation or interruption reimbursement : This perk can refund the prepaid, nonrefundable costs of a trip that had to be canceled (or interrupted) due to covered emergencies.
  • Purchase protection : A qualifying Visa Signature card covers your new purchases, On the Chase Sapphire Preferred, this is for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Visa Signature concierge: Get a concierge to help you with reservations, entertainment, sporting events, and more. To access this service, you have to call 1-800-953-7392.

Other Visa Signature cards can offer even more benefits and perks, so again, it's critical to check with your issuing bank for a full breakdown.

Visa Infinite benefits

Visa Infinite includes all the benefits you'll get from Visa Signature and Visa Traditional — and then some. Visa Infinite cards are at the top of Visa's lineup with higher annual fees and more lucrative extras. One of the most popular Visa Infinite cards is the Chase Sapphire Reserve.

You'll be guaranteed to receive the following (at a minimum) for Visa Infinite cards:

  • Purchase and return protection
  • Travel accident insurance
  • Trip cancellation or interruption reimbursement
  • Trip delay reimbursement
  • Lost luggage reimbursement
  • Visa Infinite Luxury Hotel Collection
  • Global Entry application fee credit

You might notice that the Chase Sapphire Preferred and other Visa Signature cards already have many of these Infinite benefits. This is because the card issuer (e.g. Chase or Bank of America) may even more generous than Visa when it comes to perks.

An important note about card issuers vs. card network

While it's good to know what the baseline Visa Signature benefits are, it's worth noting that there are many cards that have unique perks that are not part of one of the Visa tiers. That's because it is entirely up to the card issuer (such as Chase cards , Capital One cards , etc.) to determine which benefits you'll actually receive.

Visa is a card network, not an issuer , meaning it only functions to determine swipe fees and to build out a payment infrastructure so merchants can accept their cards. Having these benefits helps to create some consistency across a card portfolio, but it's really up to the bank to decide what those benefits will be. That's why you should always check your card's fine print in addition to this list here.

Bottom line

It pays to know what benefits are out there for the specific card you have in hand — or a card that you're considering applying for. However, because Visa benefits vary between cards based on the issuer's preferences, do a little more digging to find out what other perks are available. Pick a card that offers your preferred combination of fees and rewards.

Of course, TPG can help you with that endeavor. Here are several categories of the best cards that you may be interested in:

  • Best travel credit cards
  • Best rewards credit cards
  • Best airline credit cards
  • Best hotel credit cards
  • Best cash-back credit cards
  • Best credit cards with no foreign transaction fees

Additional reporting by Benét J. Wilson.

Updated 1/18/23

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Top 10 Visa Signature Benefits & Best Visa Signature Cards [2024]

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Top 10 Visa Signature Benefits & Best Visa Signature Cards [2024]

Table of Contents

Top 10 visa signature benefits, best visa signature credit cards — summary, visa benefit levels overview, finding the best visa signature cards, the best business visa signature cards, additional personal visa signature cards, the best airline- and hotel-branded visa signature cards, final thoughts.

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When it comes to credit card payment processing networks, Visa stands out as one of the largest and most widely accepted. The Visa network is a key link that facilitates payments between millions of merchants worldwide and the financial institution that issued your credit card.

Visa also serves another important role in your credit card’s functionality: the role of providing benefits options . The financial institution selects the combination of Visa benefits that will be offered on each credit card the bank issues. In addition to the Visa benefits the bank selects, the bank will also add its own card benefits.

Today, in our article, we’re going to focus our attention on the menu of benefits that Visa provides, talk about which may be the most valuable, and look at the best cards available in the Visa network.

Let’s move forward to explore the top Visa Signature benefits and the cards that offer these perks.

Kimpton Seafire Resort and Spa

There are a large number of Visa Signature benefits you might find on any Visa Signature card. And, while not all of these benefits are guaranteed to be offered on any specific Visa Signature card, the best Visa Signature cards will have many — if not most — of what we consider to be the 10 top benefits.

Here are some of the best Visa Signature benefits available:

  • Car rental insurance (primary coverage being superior over secondary coverage)
  • Trip interruption and trip cancellation coverage
  • Trip delay coverage
  • Product protection such as extended warranty and purchase protection
  • Visa Signature Luxury Hotel Collection benefits
  • Baggage insurance
  • A minimum credit limit of $5,000
  • Cell phone protection
  • Global Entry or TSA PreCheck fee reimbursement
  • Shipt Delivery Service

Bottom Line: Premium travel rewards cards with premium-level benefits can also come with high annual fees. Visa Signature cards that offer most of these top 10 benefits may still be able to provide a valuable package of benefits but on a card that charges a lower annual fee than the higher-level Visa Infinite cards .

We’ll expand on some of the benefits of the best Visa Signature cards shortly, but first, let’s look at how the number of top Visa Signature benefits can differ by card.

Note: this is a comparison of key Visa Signature benefits for illustration purposes and not all card benefits are included.

Bottom Line: The number of actual Visa Signature benefits that are included on any given Visa Signature card is determined by the issuing bank. As a result, not every Visa Signature card comes with the same level of benefits.

Visa offers a multi-level collection of benefits that can be found on traditional Visa cards, Visa Signature cards, and premium Visa Infinite cards . We refer to the list of benefits as a “menu” because the financial institution that issues your card can pick and choose which benefits it wants to include, or not include, on a specific card.

Here are some of the Visa and Visa Signature benefits you’ll find, at some level, on every Visa Signature card.

Depending on the card issuer, you could receive any combination of Visa and Visa Signature benefits listed above on a Visa Signature credit card .

In addition, a card issuer could choose to include its own collection of benefits on a specific card.

Now, let’s look at an example of some of the best Visa Signature cards and a sampling of the benefits that come with those cards.

Bottom Line: Expect to see a variety of benefits from the Visa Signature benefits menu on any particular level of Visa card. Think of the list of Visa Signature benefits as a menu from which the card issuer can select the benefits it will offer on its Visa card. Knowing this can help you find the best possible card with a broader collection of benefits and ultimately more value.

Some of the best Visa Signature cards provide a nice collection of benefits yet charge a lower annual fee. One of the best examples of this combination is the Chase Sapphire Preferred card — let’s look at why we selected this card as one of the best Visa Signature options.

Chase Sapphire Preferred ® Card

Chase Sapphire Preferred® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • 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 SM .
  • Enjoy benefits such as 5x on travel purchased through Chase Travel SM , 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel SM . For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees:  None

Chase Ultimate Rewards

The Chase Sapphire Preferred card comes with standard Visa Signature benefits such as roadside dispatch, emergency card replacement, and cash disbursement. However, Chase has packed the card with additional valuable benefits .

Let’s look at the additional benefits that come with this Visa Signature card.

Primary Car Rental Insurance — Use your card to reserve and pay for your car rental, decline the agency’s collision damage waiver coverage, and receive primary car rental coverage. Primary car rental protection covers theft, damage, valid loss-of-use charges, and reasonable towing charges.

Roadside Dispatch — Cardholders pay 1 flat fee for a service call that can include:

  • Jump-start and lockout service
  • Towing services up to 5 miles
  • Changing a flat tire with an inflated spare
  • Fuel delivery of up to 5 gallons; cardholder is charged for the fuel
  • Standard winching

Trip Interruption and Trip Cancellation — Receive up to $10,000 per claim, $20,000 per trip, for qualifying non-refundable expenses when your trip is interrupted or canceled for covered reasons, a maximum of $40,000 per 12-month period.

Trip Delay Reimbursement — If your trip is delayed more than 12 hours, you would receive up to $500 for each ticket for eligible expenses.

Baggage Insurance — If your baggage is delayed more than 6 hours, you could receive up to $100 per day for 5 days. Lost, stolen, or damaged luggage coverage is up to $3,000 per covered person, per trip.

Visa Signature Luxury Hotel Collection — Enjoy these elite-style benefits during your stay, just for being a cardholder:

  • Complimentary breakfast for 2
  • Late checkout when available, on request
  • An upgraded room when available
  • $25 food and beverage credit
  • VIP guest status

Extended Warranty — For manufacturer’s warranties of 3 years or less, you’ll receive an additional year on qualifying items purchased with your card.

Purchase Protection — Your eligible purchase could be covered for theft, damage, or accidental parting for up to 120 days from the date of purchase, $500 per purchase, maximum of $50,000 per account.

Shipt Delivery Service Membership — Receive 3 months of free Shipt delivery membership and an additional 9 months at 50% off.

Emergency Card Replacement and Cash Disbursement — If you lose your card or need emergency cash, Visa can help get you a new card and emergency funds.

Minimum $5,000 Credit Limit — Visa Signature cards are issued with a minimum $5,000 credit limit; for this reason, you must have a good to excellent credit score to qualify.

Travel and Emergency Assistance — Receive 24/7 assistance when traveling for services such as emergency transportation, translation services, medical referrals, and much more (cardholder responsible for actual services).

Travel Accident Insurance — 2 levels of coverage are provided with benefits up to $500,000 for death or serious covered injury during your travels and when on a common carrier.

Bottom Line: The Chase Sapphire Preferred card is a good example of one of the best Visa Signature cards because it not only offers core Visa Signature benefits but also valuable additional Visa Signature benefits that Chase has chosen to include. The card also has a lower fee than most premium Visa cards.

businessman paying with credit card

Business credit cards that offer most of the top Visa Signature benefits are widely available. Additionally, card issuers such as Chase make sure the cards are loaded with elevated bonus-category earnings, flexible redemption options, and additional benefits your business can utilize.

Ink Business Preferred ® Credit Card

Ink Business Preferred® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

The Ink Business Preferred ® Credit Card is a powerhouse for earning lots of points from your business purchases , especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance , rental car insurance, purchase protection, and more.

  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Purchase protection
  • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • APR: 21.24%-26.24% Variable

In addition to offering some of the same benefits as the Chase Sapphire Preferred card, the Ink Business Preferred card offers 9 of the top 10 Visa Signature benefits, including valuable cell phone protection.

  • Cell Phone Protection — After paying a $100 deductible, you could receive up to $600 for the involuntary and accidental parting of your cell phone, accidental damage, or theft (police report required). There is a limit of 3 claims per 12-month period. Terms apply.

United℠ Business Card

United℠ Business Card

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

The United Business card is a compelling option for traveling business owners that are also frequent United flyers. Not only will the card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.

  • $0 introductory annual fee for the first year, then $99.
  • 2x miles per $1 on United purchases
  • 2x miles per $1 on dining
  • Doesn’t earn transferable rewards
  • Other United cards are more rewarding for United purchases
  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United ® credit card.
  • Earn 2 miles per $1 spent on United ® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
  • $100 United ® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • APR: 21.99% - 28.99% Variable

If you want Visa Signature benefits plus flight benefits on United Airlines, the United Business card offers both with an annual fee that won’t break your business budget.

You can expect Visa Signature benefits such as trip and baggage insurance, purchase protection, extended warranty coverage, and elite-style benefits with the Visa Signature Luxury Hotel Collection.

Ink Business Cash ® Credit Card

Ink Business Cash® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

The Ink Business Cash ® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee , and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards ® .
  • 0% introductory APR for 12 months on purchases
  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees:  3% of each transaction in U.S. dollars

You’ll find plenty of Visa Signature benefits on the Ink Business Cash card including primary car rental insurance when using the car for business, trip interruption/cancellation/delay coverage, roadside dispatch, purchase protection, and extended warranty coverage. You’ll also enjoy access to Visa Signature Luxury Hotel Collection benefits.

Bottom Line: When selecting a Visa Signature business card, choose a card that earns elevated rewards on your most frequent business purchases, has redemption options that fit your preferences, and offers benefits your business can use. 

Hertz Car Rental

Now let’s continue with a look at some additional personal consumer Visa Signature cards that score high at providing Visa Signature benefits.

Bank of America ® Premium Rewards ® Card

Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.

The Bank of America ® Premium Rewards ® credit card  is a great option for anyone looking for a travel rewards card with a simple approach to how you earn and redeem your rewards.

From travel and purchase protections to airline incidental and Global Entry credits, there is plenty to love about the Bank of America Premium Rewards card.

Plus, those that hold status in the Bank of America Preferred Rewards program can get even more value from the card by boosting their rewards by 25% to 75%!

  • 2x points per $1 on travel and dining purchases
  • 1.5x points per $1 on all other purchases
  • Up to $100 annual airline incidental statement credit
  • $95 annual fee
  • Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions via airline and hotel transfer partners
  • Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.
  • If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
  • No limit to the points you can earn and your points don’t expire.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America ® accounts, credit to eligible Merrill ® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck ® /Global Entry Statement Credits of up to $100, every four years.
  • No foreign transaction fees.
  • Low $95 annual fee.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
  • APR: 20.24% - 27.24% Variable

While the Bank of America Premium Rewards card is a solid earner for travel and dining purchases, you’ll find it also offers several redemption options and a good collection of Visa Signature benefits.

You can expect to find travel insurance benefits such as secondary car rental insurance, trip protection benefits, and baggage insurance included on the card. You’ll also find shopping protections such as purchase protection, return protection, and extended warranty.

United Airplane Newark New Jersey New York NYC

If you frequent a particular airline or hotel brand, a branded card may provide airline or hotel benefits plus plenty of Visa Signature benefits.

Let’s look at an example of each co-branded Visa Signature card.

United℠ Explorer Card

United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

You should consider the United℠ Explorer Card , because this card does all that and more!

  • 2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
  • 1x mile per $1 on all other purchases
  • First checked bag free for you and up to 1 traveling companion
  • $0 intro annual fee for the first year, then $95 annual fee
  • Does not earn transferable rewards
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent on dining, hotel stays, and United ® purchases
  • Up to $100 Global Entry, TSA PreCheck ® or NEXUS fee credit
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
  • Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary

United MileagePlus Frequent Flyer Program

You’ll find several Visa Signature benefits on the United Explorer card including primary car rental insurance, trip interruption/cancellation/delay coverage, baggage insurance, and access to Visa Signature Luxury Hotel Collection benefits. The card also offers Global Entry or TSA PreCheck fee reimbursement in the form of a statement credit of up to $100 every 4 years.

We also like the fact that the United Explorer card offers United travelers flight benefits that include a free checked bag , priority boarding, and additional United flight benefits.

Hot Tip: Learn more about the best cards for United flyers in our overview.

Marriott Bonvoy Boundless ® Credit Card

Marriott Bonvoy Boundless® Credit Card

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless ® Credit Card . The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

  • Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
  • Earn big at grocery stores, gas stations, and dining
  • Automatic Silver Elite Status
  • Marriott Silver Elite Status is the lowest status tier
  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy ® with the Marriott Bonvoy Boundless ® Card.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
  • APR: 21.49%–28.49% Variable

Marriott Bonvoy

Marriott Bonvoy loyalists will find tremendous value in the hotel-centric benefits offered with the Marriott Boundless card in addition to a long list of Visa Signature benefits.

The card comes with Visa Signature benefits that include secondary rental car insurance, trip delay coverage, baggage insurance, and shopping benefits such as purchase protection and extended warranty coverage.

Hot Tip: If you’re a Marriott Bonvoy fan, you’ll want to learn about all the best cards for Marriott Bonvoy loyalists .

The best Visa Signature card for you will be the one that adds value for you personally or for your business.

However, benefits are just one of the criteria you’d want to review before selecting a credit card. You’ll also want to look at how earning and redemption options match up to your spending priorities and redemption preferences.

Additionally, it can be prudent to consider the level of annual fee you’re comfortable paying.

Fortunately, Visa Signature cards tend to have a balance of provided benefits commensurate to the level of annual premium you’ll need to pay. This balance makes it easy to find an affordable Visa Signature rewards card.

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America ® Premium Rewards ® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Which is the best visa signature card.

The best Visa Signature card will be the one that matches your spending profile, has redemption options that make sense for you personally (or for your business), and has an annual fee that you’re comfortable paying.

With that said, any of the cards mentioned in this article could be a good choice for receiving the majority of Visa Signature benefits.

What is the difference between Visa and Visa Signature?

The difference between Visa and Visa Signature cards is the level of benefits provided with the card, with Visa Signature having greater benefits.

Core Visa benefits include roadside dispatch, car rental insurance, and emergency card replacement/cash disbursement. Visa Signature cards have additional benefits including a minimum $5,000 credit limit, extended warranty coverage, travel and emergency assistance, and access to the Luxury Hotel Collection benefits.

In addition, the card issuer can choose to add other Visa, Visa Signature, or Visa Infinite benefits.

Do Visa Signature cards come with lounge access?

Generally no, Visa Signature cards issued in the U.S. do not come with lounge access. Lounge access via Priority Pass Select membership is a Visa Infinite benefit.

However, a card issuer could choose to add a lounge access benefit to a Visa Signature card. The United Explorer card, for example, comes with 2 United Club passes each year.

Which is better, Visa Signature or Visa Infinite?

The Visa Infinite collection of benefits is broader than the collection of Visa Signature benefits.

An example of a Visa Infinite benefit would be Priority Pass lounge access, an airline incidentals statement credit, or the Visa Infinite Luxury Hotel Collection benefits.

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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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The Guide to Single Trip Travel Insurance

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

How single trip travel insurance works

How to choose between travel insurance companies, best plans for single trip travel insurance, other tips for travel insurance for a single trip, travel cards that come with complimentary travel insurance, single travel insurance for a trip recapped.

There are many types of travel insurance, including plans that’ll reimburse you for emergency medical expenses or unexpected travel delays. Along with coverage types, there are also different durations of travel insurance.

Single trip travel insurance will cover you during one vacation, while multitrip or annual travel insurance can last for multiple outings. Let’s take a look at single trip travel insurance, what kind of coverage you can expect and how to choose a plan that works for you.

Purchasing a travel insurance plan is fairly simple, as is making a claim. It generally goes like this:

You gather a few quotes from travel insurance companies.

You pick a plan that suits your needs and customize it to your liking.

You purchase your plan and include a date for it to start.

You go on your trip.

If something happens (such as a flight delay), keep the proof.

You make a claim with your travel insurance company.

The travel insurance company reimburses you. 

There are a few variations in how this can work (for instance, some travel insurance plans can pay a medical provider directly), but for the most part, this is how the process will go. This is the case whether you have one-trip travel insurance or multitrip travel insurance.

» Learn more: How to find the best travel insurance

There are several travel insurance companies out there, which can make choosing a plan difficult.

NerdWallet analysis found that some travel insurance providers rise above the rest in terms of breadth and depth of coverage, cost, customizability, and overall customer satisfaction. Jump to see our findings on the bets plans for single trip travel insurance.

However, before choosing a company and purchasing a plan, consider these questions:

How much am I willing to pay?

Do I want trip protection, emergency medical coverage or both?

Do I already have coverage somewhere?

How much customizability does my plan need?

Do I need coverage for preexisting conditions?

Will I be doing any sort of adventure activities?

Once you’ve answered these questions, do your due diligence and get quotes from multiple sources. Different providers will offer differing levels of coverage at varying prices, so it’s in your best interest to generate as many quotes as possible and read the fine print.

To make it simple, travel insurance aggregators such as Squaremouth (a NerdWallet partner) will provide you with multiple quotes at a time.

» Learn more: The best travel credit cards right now

We considered a wide variety of factors when it comes to selecting the best insurance for your trip. These factors include cost, customizability, coverage maximums, whether preexisting conditions are included and the type of coverage the policy offers.

World Nomads

World Nomads is great for active travelers because of its standard coverage of adventure activities. With just two plans from which to choose, it’s also simple to decide which one you’d like.

Covers 200-plus activities as standard. 

Simple plan options.

Emergency medical coverage included.

Only two choices for policies.

Riskier activities are covered only by the more expensive Explorer plan. 

Fixed-rate reimbursement for trip protection.

» Learn more: Read our full review of World Nomads

With eight plans on offer, Tin Leg has a policy for every type of traveler. Along with standard trip protections, Tin Leg also offers Cancel For Any Reason (CFAR) add-ons.

Plenty of plans from which to choose. 

Preexisting conditions included in most plans. 

Primary and secondary medical coverage options. 

Cheapest plan doesn’t cover preexisting medical conditions.

Rental car coverage add-on available only on Luxury plan. 

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Seven Corners

Seven Corners is an excellent option for those who really want to customize their plans. Whether you’re looking for medical-only insurance or a more comprehensive policy, Seven Corners has options available.

Preexisting condition coverage available.

Medical-only plans on offer.

Covers missed tours and cruise connections. 

Inexpensive plan offers secondary medical insurance.

Event ticket registration coverage only for expensive plan. 

» Learn more: Is Seven Corners coverage worth the cost?

Our last company on the list is unique in that it covers those who use travel rewards, like purchasing flights or hotels with points and miles . This is fairly uncommon among travel insurance providers and can be really helpful when things go awry during award travel.

Plan options include accidental death and dismemberment (AD&D) travel life insurance. 

Covers up to $300 in frequent traveler reward costs. 

Worldwide travel assistance included on every policy.

Cancel For Any Reason insurance available only on most expensive plan. 

Just $35,000 in emergency medical for basic plan (low compared to similar policies at other companies).

» Learn more: Our full TravelSafe review

If you’re interested in getting travel insurance, do yourself a favor and consider these tips before making any purchases:

Consult your medical insurance provider to see whether it offers coverage out of country .

Consider an annual plan to save money if you make multiple trips per year.

Check your credit card for complimentary travel insurance . Many offer this benefit, and if its limits are satisfactory, you can book your travels with it and avoid buying a separate policy out-of-pocket altogether. More on this in the next section.

If you're looking to get coverage for a one-off trip, among your best options is to simply pay for your travel with a card that includes travel insurance as a benefit.

Most travel cards will include coverage for things like trip interruption , trip delays and lost luggage .

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

on American Express' website

Chase Ink Business Preferred Credit Card

• 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.

If you’re in the market for single trip travel insurance, there are plenty of options available to you. Before purchasing a plan, grab quotes from multiple companies because the types of coverage and costs are going to vary.

Beyond this, be sure to check whether your credit card offers complimentary travel insurance and reach out to your medical insurance provider to see what type of coverage it offers overseas.

American Express insurance disclosures

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.

Insurance Benefit: Baggage Insurance Plan

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.

Underwritten by AMEX Assurance Company.

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℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

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  • Key takeaways

Our top picks for the best credit cards for international travel

Best credit cards for international travel compared, best credit cards for international travel: editorial reviews, who should get a credit card for international travel, is a credit card or debit card better for international travel, how to choose the best credit card for international travel, should i have more than one card for international travel, tips for using a credit card when traveling internationally, alternatives to credit cards for overseas travel, faq: best credit cards for international travel.

Best Credit Cards for International Travel of 2024

Elizabeth Smith

  • Some of the best credit cards for international travel are the Chase Sapphire Preferred® Card , Chase Sapphire Reserve® , The Platinum Card® from American Express , and the Capital One Venture Rewards Credit Card .
  • The best credit cards for traveling internationally offer generous rewards and travel perks.
  • Welcome bonuses can add significant value to the base-level benefits.
  • These travel cards have annual fees ranging from $0 to $695.
  • When choosing a credit card for overseas travel, consider the fees, global acceptance rate, rewards redemption options and earning potential.

If you’re a traveler, you make purchases constantly. Credit cards for international travel can help you get the most value from these purchases, as they provide rewards that make future trips more affordable.

Many also offer perks, such as TSA PreCheck credits and lounge access, so every trip feels more luxurious. With so many options — and varying annual fees — it can be hard to figure out which one is the right fit.

To help you choose, this guide covers:

  • The best credit cards for international travelers
  • How to choose the right overseas travel credit card
  • Making the most of a travel card

Let’s take a look at the best credit cards for international travel.

  • Chase Sapphire Preferred® Card: Best for flexible travel perks and a reasonable annual fee
  • Chase Sapphire Reserve® : Best for flexible rewards and luxury perks
  • The Platinum Card® from American Express: Best for luxury international travel perks
  • American Express® Gold Card: Best for travelers who love dining out
  • Capital One Venture Rewards Credit Card: Best for simple travel rewards and a low fee
  • Capital One Venture X Rewards Credit Card: Best for simple rewards & premium travel perks
  • Capital One SavorOne Cash Rewards Credit Card: Best for cash back on travel & dining
  • Capital One SavorOne Student Cash Rewards Credit Card: Best for college students traveling abroad

Best for flexible travel perks and a reasonable annual fee

Chase sapphire preferred® card.

Chase Sapphire Preferred® Card

Earn 5X points on Chase Travel purchases, 3X points on dining, online grocery purchases, and select streaming services, and 1X points on other purchases.

Best for flexible rewards and luxury perks

Chase sapphire reserve®.

Chase Sapphire Reserve®

Earn 10X points on hotels and car rentals booked through Chase Travel, 10X points on Chase Dining purchases, 5X points on flights booked through Chase Travel, 3X points on non-Chase travel and dining, and 1X points on all non-bonus spending.

Best for luxury international travel perks

The platinum card® from american express.

The Platinum Card® from American Express

Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year), 5X points on prepaid hotels booked with American Express Travel, and 1X points on other eligible purchases.

Card Details

More card info

  • $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.
  • Terms Apply.
  • Excellent rewards rate for travel purchases
  • Qualify for $1,500+ in statement credits
  • Very generous welcome offer
  • High annual fee of $695
  • Many statement credit offers are too specific and hard to use
  • Non-travel-perks aren’t spectacular

The Amex Platinum card can be well worth the steep annual fee if cardholders can dedicate themselves to utilizing its benefits.

Best for travelers who love dining out

American express® gold card.

American Express® Gold Card

Earn 4X points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X) and restaurants (plus takeout and delivery in the U.S.), 3X points on flights booked directly with airlines or on amextravel.com, and 1X points on other eligible purchases.

  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Generous welcome offer
  • High rewards potential
  • Many transfer partners available
  • High annual fee
  • Complicated statement credits
  • Good or excellent credit recommended

For self-proclaimed foodies, this card has great reward potential. But if you can’t maximize the statement credits, it may not provide enough value to make the annual fee worth it.

Best for simple travel rewards and a low fee

Capital one venture rewards credit card.

Capital One Venture Rewards Credit Card

Earn 5X miles per dollar on hotel stays or rental cars booked through Capital One’s portal and 2X miles on all other purchases.

  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Travel insurance protections incuded
  • Earn flexible rewards for travel
  • Reasonable $95 annual fee
  • Requires good or excellent credit
  • No everyday spending bonus categories

For the casual traveler, the simple reward structure and low annual fee of the Venture Card make it a good low commitment option.

Best for simple rewards & premium travel perks

Capital one venture x rewards credit card.

Capital One Venture X Rewards Credit Card

Earn 10X miles on hotel and rental car purchases made through Capital One Travel, 5X miles on airfare purchased through the portal, and 2X miles per dollar spent on all other purchases.

  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Miles can be redeemed for travel purchases, transfers to international airlines, and more
  • Can qualify for hundreds of dollars in credits each year
  • Huge welcome offer
  • $395 annual fee
  • Large spending requirement to earn the welcome bonus
  • Excellent credit required

The high earning potential and annual travel credit make this a standout option for frequent travelers.

Best for cash back on travel & dining

Capital one savorone cash rewards credit card.

Capital One SavorOne Cash Rewards Credit Card

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% back on hotels and rental cars booked through Capital One Travel. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.

  • 0% intro APR on purchases and balance transfers for 15 months (then 19.99% - 29.99% variable APR).
  • Balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • No foreign transaction fees
  • No rotating categories that you need to sign up for
  • No spending cap
  • No annual fee
  • Low sign-up bonus

It’s not as loaded with travel benefits as some, but this card is a decent option for rewards on everyday purchases and travel.

Best for college students traveling abroad

Capital one savorone student cash rewards credit card.

Capital One SavorOne Student Cash Rewards Credit Card

  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • No foreign transaction fees or hidden fees
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
  • Good cash back rewards & welcome bonus
  • Highest cash back requires booking through Capital One
  • Possible high APR depending on credit worthiness

One of the best student cards out there, the SavorOne Student card allows students to rack up rewards on everyday purchases and travel.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the best travel credit cards available today. It includes perks such as a $50 annual hotel credit and a rewards program with multiple bonus earnings tiers — a great value, especially considering the reasonable $95 annual fee. Plus, when you redeem your points on travel through the Chase Travel portal, you’ll get a 25% increase in value. And this card has no foreign transaction fees, so you can spend freely on international trips.

Chase Sapphire Preferred Card review

The Chase Sapphire Reserve® is a premium travel card that provides a ton of value if you travel frequently. In return for the $550 annual fee, you’ll get a $300 travel credit, a free Priority Pass Membership, a credit toward TSA PreCheck or Global Entry, and more. If you book your travel through the Chase Travel portal, you’ll earn 5X points for flights and 10X points for hotels. Plus, when you redeem those points in the portal, they’re worth 50% more than they would be if you redeemed them for cash.

Chase Sapphire Reserve Card review

The Platinum Card® from American Express has one of the highest annual fees out there — $695 per year. However, you’ll likely get your money’s worth if you travel often. Although there are too many to list in this short review, some of the Platinum Card’s benefits include a $200 hotel credit when you book certain hotels, up to $200 in Uber Cash per year, up to $200 for airline fees, $189 for CLEAR Plus, and free access to the American Express Global Lounge Collection. You’ll earn 5X Membership Rewards® points on flights and hotels booked with American Express Travel and 1X points for other purchases. American Express cards aren’t always accepted overseas, though, so keep that in mind.

Amex Platinum Card review

With an annual fee of $250, the American Express® Gold Card is a midrange offering. It’s ideal if you spend a great deal on restaurants and groceries; these categories earn 4X points. Flights booked through American Express Travel earn 3X points. The perks aren’t as extravagant as the Platinum Card but are still impressive: up to $120 dining statement credit, up to $120 in Uber Cash, and a $100 credit toward experiences at The Hotel Collection properties (minimum 2-night stay required). However, American Express cards aren’t always accepted overseas, so it may be best to have another card in your back pocket just in case.

Amex Gold Card review

Capital One Venture Rewards Credit Card The Capital One Venture Rewards Credit Card is one of our favorite credit cards for budget-minded travelers. Like the Chase Sapphire Preferred, it has a $95 annual fee and no foreign transaction fees. Plus, you’ll get $100 for TSA PreCheck and free Hertz Five Star status. Earn 2X miles for every purchase or 5X miles when you book rental cars or hotels using Capital One Travel. Miles are unlimited, and you can choose from a variety of redemption options.

Capital One Venture Rewards Card review

The Capital One Venture X Rewards Credit Card is the highest-tier travel credit card from Capital One and comes with an annual fee of $395. It includes a $300 travel credit, a free Priority Pass Membership, and up to $100 for TSA PreCheck or Global Entry — and on top of that, every year you’ll get a bonus of 10,000 miles. What really sets this card apart is the earning potential. When you book through Capital One Travel, you’ll get 10X miles for rental cars and hotels and 5X miles on flights. All other purchases earn 2X miles.

Capital One Venture X Rewards Card review

The Capital One SavorOne Cash Rewards Credit Card has no annual fee or foreign transaction fees but comes with a solid cash-back rewards program that can help you offset the cost of travel. You can earn 5% back for hotels and rental cars in the Capital One portal, 3% back at restaurants, grocery stores, and entertainment, and 1% on everything else. It wouldn’t be the best option for frequent travelers, though, as it’s lacking in additional travel-specific benefits.

Capital One SavorOne Card review

If you’re a college student whose spending tends to be concentrated on food, the Capital One SavorOne Student Cash Rewards Credit Card could be a good fit. With this card, you can earn 5% back on eligible travel purchases and 3% back on restaurant, grocery store, and entertainment purchases; all other purchases earn 1%. So you can accumulate rewards throughout the year on your regular purchases and then use those rewards to cut the cost of your spring break trip. The SavorOne student also has no annual fee, and you can make purchases overseas without incurring foreign transaction fees.

Capital One SavorOne Student Card review

For anyone who travels internationally — even if it’s not on a regular basis — a travel credit card is worthwhile. As long as the card earns rewards, all your everyday and travel purchases can rack up points, miles or cash back that you can use to defray the cost of future trips. Add in benefits such as free lounge access and travel credits, and you can enjoy a more comfortable journey.

Pros and cons of credit cards for international travel

  • High reward-earning potential on travel worldwide
  • Many cards have valuable welcome offers
  • Some cards have international airport lounge access
  • No foreign transaction fees on most travel cards
  • High annual fees on many premium cards
  • Some cards (namely American Express) have a lower international acceptance rate
  • Limited rewards redemption options on some cards

In most cases, a credit card is better than a debit card for international travel — assuming that your credit card doesn’t charge international fees, that is.

Credit cards come with fraud protection, which means you’re not liable if your account numbers are stolen or used without authorization when you’re abroad. Plus, everything you spend on the trip will earn rewards.

The best credit card for overseas travel is a personal decision; it depends on your travel habits, preferences and financial situation. For every card you evaluate, consider the following factors.

International acceptance

In general, Visa and Mastercard have the widest acceptance rates across the world — you shouldn’t have any trouble using them in most international locations. Discover cards and American Express cards are not as widely accepted.

Foreign transaction fee

Foreign transaction fees are one of the biggest considerations when choosing the best credit card for foreign travel. A card that doesn’t charge you to make purchases overseas can save you a great deal of money.

The majority of travel credit cards come with an annual fee. If you’re a regular traveler, the perks that come with that fee usually make it easy to recoup the cost. If you go overseas occasionally, consider a card with a $0 annual fee — that way, you can still earn rewards, but you won’t lose money on unused benefits.

Welcome bonus

A great welcome bonus can add significant value to a credit card, for example, the Capital One Venture X Rewards card, which comes with a bonus of 75,000 miles. If you use those miles in the Capital One portal, it equals about $750 — nearly double the annual fee.

The rewards program is a key element of a travel credit card; earn enough points or miles, and you can get flights and hotel rooms for free.

To maximize earnings, make sure to choose a rewards credit card with bonus categories that match your spending habits. If you’re overseas regularly, for example, you might look for a credit card that has high multiples for flights and hotels.

Consider the redemption value too. Many cards transfer points or miles at a 1:1 ratio but offer a higher ratio for travel booked in the bank’s portal.

Travel benefits

The benefits are half the fun of a travel credit card. Look for cards with perks such as:

  • Free airport lounge access
  • Credits toward NEXUS, TSA PreCheck or Global Entry
  • Travel credits
  • Credits for hotels or rideshares
  • Premium status with rental car companies

Travel protections

Most credit cards for international travel include some type of insurance, including:

  • Baggage insurance
  • Rental car insurance
  • Trip delay insurance

Every travel credit card is different, which means that you probably won’t get everything you need in a single card. One might have a better rewards earning rate, while another offers better lounge access or travel credits.

If you travel internationally regularly, you can maximize the benefits by getting more than one credit card. Watch the annual fees, and run calculations to ensure that the perks outweigh the costs.

Once you choose a credit card for international travel, use these tips to stay safe and save money.

Notify your card issuer that you’re traveling

Before you travel, call the bank to let it know you’re going overseas; you can also create a travel notification in your online card-management portal. This step reduces the risk that the issuer will freeze your card when you try to use it overseas.

Pay in the local currency

Any time you’re presented with the option to pay with or without a currency conversion, always opt for the latter. By paying in the local currency, your bank will handle the conversion to U.S. dollars — usually at a lower rate.

Use manned payment stations

In some parts of the world, unmanned checkouts won’t accept your card if it doesn’t use a chip-and-pin system. However, as contactless payments become more popular across the globe, you can avoid this issue by tapping your digital wallet.

Don’t use an ATM

Unless it’s an emergency, you should never use your credit card to take out cash. Cash advances often come with fees and a higher annual percentage rate (APR). If you need cash, it’s better to use a debit card without foreign transaction fees.

Know what benefits come with your card

Many cards come with benefits, including travel insurance and coverage for lost luggage. Understanding these perks can help you avoid buying things you’re already getting for free.

A credit card isn’t the only way to pay for purchases when you’re traveling overseas. You might also consider these alternatives.

Debit cards

Debit cards are always an option when you’re traveling. Be prepared for discrepancies in PIN formats; some countries use six or eight digits, which can cause a problem if your card has a four-digit PIN. Debit cards can also be vulnerable to fraud, especially if you’re using ATMs regularly. Protect yourself by setting up automated purchase notifications and minimizing your account balance.

Prepaid cards

Many prepaid Visas and Mastercards can be used internationally. Read the terms and conditions carefully; some cards charge fees for international transactions.

Cash is still a valid form of payment. Smaller stores, especially those in developing countries, might refuse to accept anything else. For safety, avoid carrying large amounts of cash and pay attention to ATM fees.

What credit card is best for international travel?

The best credit card for traveling abroad depends on your needs. If you travel overseas regularly, a card with a strong rewards program and luxury travel perks could be worth a high annual fee (like Chase Sapphire Reserve® ). For occasional travel, look for a lower annual fee and solid rewards (like the Chase Sapphire Preferred® Card ).

What’s the advantage of using a credit card when traveling internationally?

Credit cards have excellent fraud protection, which is handy if your card is stolen on a trip. Plus, you can earn rewards on your flights, hotels, activities and restaurant meals.

What is the most accepted credit card for international travel?

Visa and Mastercard are the most widely accepted cards around the world.

Is American Express or Visa better for international travel?

Visa is better than American Express for travel as it’s accepted in more places.

Is it safe to use a credit card when traveling abroad?

It’s safe to use a credit card when traveling internationally — just make sure to choose one with no foreign transaction fees.

Which transfer partners are best for credit cards with international travel?

The best transfer partners depend on your card issuer. American Express cards have a wide range of transfer partners, including Delta SkyMiles; Capital One cards offer strong transfer options among international providers.

Which international travel credit cards have sign-up bonuses?

Our picks for the best credit cards for traveling all have welcome bonuses. You’ll usually get a better bonus if you opt for a premium card with an annual fee, such as the Chase Sapphire Reserve Card or The Platinum Card from American Express .

Elizabeth Smith

Elizabeth Smith is an experienced travel and finance writer who specializes in topics including credit cards, travel insurance, and personal finance. Travel insurance, in particular, has both professional and personal significance for Smith. She’s traveled to 73 countries, and has extensive experience choosing and using various policies — she understands how valuable the right plan can be in an emergency, and loves to help readers find the perfect fit.

Smith comes to the world of finance from a scientific and technical background. She spent more than 10 years writing about engineering, science, and technology for universities and private companies. When she’s not writing or traveling, Smith can usually be found hiking or Nordic skiing.

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British Airways Visa Signature Card review: A valuable but complicated travel credit card

The British Airways Visa Signature® Card offers a lot of valuable perks for a modest annual fee. But due to the hefty surcharges the airline charges on award tickets, you're better off using your rewards on partner airlines. Although British Airways has plenty of solid partners, it makes it trick to maximizing the value of this travel credit card.

British Airways Visa Signature Card

Annual fee : $95

Welcome offer : Earn 85,000 bonus Avios when you spend $5,000 in the first three months.

Rewards : Earn

3 Avios on purchases with British Airways, Aer Lingus and Iberia

2 Avios on hotel accommodations

1 Avios on all other purchases

Recommended credit score : Good to Excellent (670 – 850)

More details : Get 10% off British Airways flights starting in the U.S.; receive up to $600 in annual statement credits on award flights; earn a Travel Together ticket when you meet an annual spending requirement.

The card charges a $95 annual fee. While it doesn't waive that fee the first year like some other airline credit cards, British Airways loyalists can get that value and more back in the form of credit card perks.

Welcome offer

Currently, the British Airways credit card offers 85,000 bonus Avios when you spend $5,000 in the first three months. Compared to other airline credit cards, that's a relatively high offer, though it also requires more spending.

Rewards rate

You'll earn the following rewards rates on your everyday spending:

3 Avios per dollar spent on purchases with British Airways, Aer Lingus and Iberia

2 Avios per dollar on hotel accommodations booked directly with hotels

1 Avios per dollar on all other purchases

How to earn rewards

Like other airline credit cards, the British Airways credit card offers accelerated rewards on purchases with the airline.

However, because the Avios loyalty program is shared by multiple airlines, you'll also earn bonus rewards on purchases with Aer Lingus and Iberia, the flagship carriers for Ireland and Spain, respectively.

You'll also get extra Avios on hotel stays booked directly with hotels, but beyond the first year, you won't earn any bonus rewards on everyday spending categories, which is disappointing.

How to redeem rewards

To get the most value out of your Avios, you'll want to use them to book award flights. But while all airlines charge taxes and fees on award tickets, British Airways is notorious for adding hefty fuel surcharges that can add hundreds of dollars to your reservation.

The good news is that British Airways partners with several domestic and international airlines, including American Airlines. So, it is possible to avoid those surcharges, and many travel rewards enthusiasts make it work. But in general, maximizing your rewards with airline partners can be more challenging.

Other ways to use your Avios include:

Flight upgrades and airline fees

Hotel stays

Car rentals

Vacation packages

Wine subscriptions

Merchandise

That said, you generally won't get as much value with these options.

Additional benefits

The British Airways Visa Signature Card doesn't offer some of the standard airline credit card perks, such as priority boarding, free checked baggage and inflight discounts. However, there are some benefits that could save you hundreds or even thousands of dollars per year on British Airways flights:

Discount on British Airways flights: When you use your card to book a British Airways originating in the U.S., you'll get a 10% discount.

Award flight credits: Each year, you can get up to $600 in statement credits when you book award flights to London and use the card to pay the taxes and fees. That's a credit of $100 for economy and premium economy seats and $200 for business and first-class seats. You can get up to three credits per year.

Travel Together ticket: When you spend $30,000 in a calendar year, you'll earn a Travel Together ticket. When you book a flight with British Airways, Aer Lingus or Iberia with Avios, this certificate lets you bring a companion for just the taxes and fees or get a 50% Avios discount if you're flying solo. The Travel Together ticket is good for two years.

Luggage protection: When you travel and use your card to make purchases, you could benefit from its lost luggage reimbursement and baggage delay insurance benefits.

Keep in mind that some of these perks require you to fly with British Airways. Before you take advantage of a benefit, however, be sure to compare other flight options that don't come with an expensive fuel surcharge.

Who is the British Airways Visa Signature Card best for?

The British Airways credit card is best suited for people who frequently fly with the airline. However, you may also consider it if you're a points and miles aficionado who wants to use Avios to book flights with British Airways partners.

It can be particularly worth considering if you can meet the $30,000 spending requirement for the Travel Together ticket, which can give you solid savings.

British Airways Visa Signature Card benefits

Versatile rewards program: British Airways partners with several airlines through the Avios rewards program and the oneworld alliance, giving you access to more than 900 destinations around the world.

Solid welcome offer: The card's welcome bonus is high compared to other airline credit cards; just make sure you can afford the minimum spending requirement to earn it, which comes out to roughly $1,667 per month.

Modest annual fee: Compared to the card's benefits, the annual fee is low. Just keep in mind that there's no guarantee that you'll get enough value from the card perks to offset that yearly charge.

British Airways Visa Signature Card potential drawbacks

No flight perks: You won't get some of the standard perks that most airline credit cards offer, including free checked baggage, priority boarding and inflight discounts.

Maximizing the card perks can be tricky: You can definitely get enough value from the card's benefits to offset the annual fee, but at what cost? Even with savings or award flight credits, you may still end up paying more due to surcharges.

Where can you use the British Airways Visa Signature Card?

You can use the British Airways credit card anywhere Visa is accepted, which is just about anywhere within the U.S. and abroad. Additionally, the card doesn't charge a foreign transaction fee on international purchases.

How to make a British Airways Visa Signature Card payment

The British Airways Visa Signature Card is issued by Chase, which offers cardholders a few options for making a credit card payment:

Online: Log in to your online account or the Chase mobile app.

Phone: Call 800-436-7958 and use the automated phone service.

Chase branch or ATM: Visit a local Chase branch or ATM to pay in person.

Mail: Send a check or money order, including your full card number, to Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294.

British Airways Visa Signature Card customer service info

Customer service availability: Phone 24/7

Phone number: 800-432-3117

Customer service email: Chase doesn't offer email support, but you can send a secure message through your online account.

British Airways Visa Signature Card login page

Alternative cards to consider

If you're not sure about the limitations of the British Airways credit card or want more flexibility with your rewards, here are some alternative credit cards to help you compare.

Chase Sapphire Preferred® Card

Why we like it : The Chase Sapphire Preferred Card offers one of the most versatile rewards programs in Chase Ultimate Rewards. The card offers an excellent welcome bonus, plus bonus rewards on several everyday spending categories, including travel, dining, select online grocery purchases and select streaming services.

To help offset the $95 annual fee, you can earn up to $50 in statement credits toward hotels booked through Chase. You'll also get a 10% points bonus based on how much you spend each year—for example, spend $30,000 and get 3,000 bonus points.

Redeeming your rewards for travel through Chase will give you a 25% boost in value. However, you can also transfer your rewards to several airline and hotel program partners, including British Airways.

Recommended credit score: Good to Excellent (670 – 850)

Read our full review of the Chase Sapphire Preferred card

Capital One Venture X Rewards Credit Card

Why we like it : If you want maximum travel redemption flexibility and premium benefits, the Capital One Venture X Rewards Credit Card is a solid choice. The card offers a solid welcome bonus and a base rewards rate of 2 miles per dollar.

You can redeem your rewards for travel directly through the Capital One Travel portal, paying for some or all of your booking. Alternatively, you use the card to book travel on your own with an eligible travel merchant and request a full or partial statement credit up to 90 days after the transaction date. The card issuer also allows you to transfer rewards to several domestic and international airlines and hotel loyalty programs, including British Airways.

Premium perks include a $300 annual credit toward Capital One Travel reservations and 10,000 bonus miles each year. You'll also get complimentary access to more than 1,300 airport lounges around the world and an application fee credit toward Global Entry or TSA PreCheck. For that, the card charges a $395 annual fee, but it's not too difficult to get that value back.

Recommended credit score: Excellent (740 – 850)

Read our full review of the Capital One Venture X Rewards card

Delta SkyMiles® Gold American Express Card

Why we like it : If you want an airline credit card with fewer limitations, consider the Delta SkyMiles Gold American Express Card . The card offers a decent welcome bonus, as well as bonus rewards on dining and supermarket purchases within the U.S.

You'll also get a $200 Delta flight credit when you spend $10,000 in a calendar year, plus 15% off all award flights booked with the airline—Delta has a robust domestic presence and offers access to more than 1,000 destinations worldwide through its partners.

You can even get some value on hotel and vacation rental stays with up to $100 in annual statement credits when you use your card to book through Delta Stays. Other perks include priority boarding, one free checked bag for you and up to eight others on your reservation and 20% back on inflight purchases. The card has a $0 introductory annual fee the first year, then $150 after that (see rates and fees ).

Related : Delta Gold vs. Delta Platinum: Which card offers more Delta savings?

This article was edited by Rebecca McCracken

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.

Introduction to VisitorsCoverage Travel Insurance

  • Types of Policies Offered
  • VisitorsCoverage Cost
  • Customer Service and Support

How to File a Claim with VisitorsCoverage Travel Insurance

  • Why You Should Trust Us

VisitorsCoverage Travel Insurance Review 2024

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

The process of buying travel insurance can be tedious and stressful as you scour the internet for the best travel insurance companies . VisitorsCoverage exists to simplify the process by showing you all the options available for your particular travel details.

Since 2006, VisitorsCoverage has helped more than 1 million travelers check peace of mind off of their packing list, no matter the destination. It partners with popular travel insurance companies as a broker, so it can quote policies and manage payments on its website. 

VisitorsCoverage VisitorsCoverage Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse travel insurance plans for solo and group travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers medical insurance for US visa holders for up to two years
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers plans designed for missionaries and international volunteers
  • con icon Two crossed lines that form an 'X'. VisitorsCoverage does not underwrite or service travel insurance plans
  • con icon Two crossed lines that form an 'X'. Claims experiences may vary widely based on which carrier you buy your plan from

VisitorsCoverage is a travel insurance marketplace that allows you to sort through the best travel insurance policies for your travel details and compare policies against one another. The information it provides on each policy is thorough and straightforward, so you don't have to wade through dense legalese to understand your policy. You can purchase travel insurance directly on VisitorsCoverage's website as well as manage your policy and adjust your coverage.

You'll have to file claims directly with your insurer, but VisitorsCoverage has a Claims Assistance Hub that will contact your insurer on your behalf to expedite the process and provide updates. The Assistance Hub is a great asset given that claims offices are infamously inaccessible and uncommunicative.

While VisitorsCoverage excels as a platform for travel insurance, VisitorsCoverage doesn't field customer reviews of insurance products, which you can find with some of its competitors like Squaremouth and InsureMyTrip. This isn't a major exclusion, but it means you have to conduct additional research for that information, which isn't ideal for a service that exists primarily to simplify the buying process.

Types of Policies Offered by VisitorsCoverage

VisitorsCoverage partners with many travel insurance providers to offer comprehensive coverage options. If you're looking for cancellation protection, baggage protection, and other standard coverages, it can provide many options based on your residence, destination, and costs.

It also works with carriers specific to Europe and Schengen visas. Europe-bound travelers also enjoy medical evacuation and repatriation protections. The descriptions are straightforward, and the site offers options to search for doctors, manage your plan, and more on its website,

If traveling with family, friends, or coworkers, its website may prompt you to consider group travel insurance. Coverage protects up to five travelers with health coverage in the event of an accident or illness at a reduced rate of up to 20% compared to identical coverage for five individual travelers. If you're traveling for business, you may also want to consider its business coverage, which covers lost luggage, trip interruption, and terrorism, along with emergency medical care (including emergency medical evacuation).

One thing this travel website brings to the table is variety. As an online broker, customers can get multiple quotes at once. However, its partnerships allow it to expand the most common understanding of what travel insurance covers , catering to less common travel scenarios such as non-US residents (including Americans working full-time abroad) traveling to the U.S., missionaries, and visa applicants.

Additional Coverage Options (Riders)

VisitorsCoverage has filters that can tailor your insurance search based on your needs. You'll find specific search functions for the following types of travel insurance :

  • AD&D insurance coverage: This provides a lump sum benefit to the insured's beneficiary in the event of accidental death. The insured can also collect a benefit after an accidental dismemberment (losing a limb).
  • Pre-existing condition insurance: This plan is designed for travelers with diagnosed conditions (existing before applying for travel medical insurance) who want to see the world without fear of what to do should a medical emergency arise. Coverage includes emergency services like hospitalization, surgery, and even medical evacuation.
  • Cruise insurance: This short-term trip insurance protects cruisers from losses related to delays, cancellations, illnesses, injuries, etc., while at sea.
  • Immigrant/Green Card insurance: This type of plan offers short-term coverage (up to two years) for individuals needing medical insurance coverage while visiting the United States. It's ideal for visa applicants who ideally obtain long-term healthcare through their employer once their work visa is approved.
  • Student visa insurance:  Students spending a semester away from their home country or attending university in a foreign country often require travel insurance that meets certain standards.

VisitorsCoverage Travel Insurance Cost

The average cost of travel insurance is around 4-8% of trip costs. Travel insurance premiums of $100-$200 per trip are standard, especially when traveling internationally. A cancel for any reason rider raises travel insurance premiums by about 50% with most travel insurance companies. However, many travelers enjoy the peace of mind of eliminating denials for excluded causes.

Individual policy premiums are based on benefits offered plus criteria unique to each traveler, including age, health status, and the length of the trip. Because VisitorsCoverage partners with many popular travel insurance providers, shoppers can compare the cheapest options with more substantial coverage and decide which plan works best for them.

VisitorsCoverage Customer Service and Support

VisitorsCoverage has very good online customer reviews, receiving an average of 4.8 out of five stars on its Trustpilot page and 4.6 stars from Google Maps reviews left on its company headquarters located in Santa Clara, California. Negative reviews often pertain to customer experiences with unresolved claims, which isn't necessarily a reflection on VisitorsCoverage, but the actual insurance provider.

It's worth noting that VisitorsCoverage's customer support team is extremely responsive to customer reviews, usually responding within one or two business days to Trustpilot and Google Maps reviews.

VisitorsCoverage is not your travel insurance company but a liaison between you and different travel insurance providers. As such, it's no surprise that it does not handle your claims. However, it can assist you in navigating your claims and will attempt to reach out to your insurance provider if the process is delayed.

If you input your policy number on its website, the company can identify which travel insurance company you purchased your plan from. Then it will direct you to the right website or offer the address and correct claims forms. If you don't have your policy number, its website lists the different insurers it partners with and basic claims information. If you need to file claims, the most its customer service agents can do is direct you to the right company and plan administrator.

Remember to file your claim as soon as possible, especially when seeking reimbursement for covered medical expenses. In addition to the claim form, be prepared to provide the plan administrator with copies of your passport plus any medical bills/receipts.

VisitorsCoverage Frequently Asked Questions

 You can contact VisitorsCoverage by calling 1-866-384-9104 or email us at [email protected]. Business hours are from 7: a.m. - 5:00 p.m. PT, Monday to Friday. You can also chat with an agent through VisitorsCoverage's website chat function.

Yes, VisitorsCoverage has a specific search function for international trips as well as international travelers visiting the U.S.

VisitorsCoverage allows you to filter your search to only include policies that cover pre-existing medical conditions. 

VisitorsCoverage doesn't have its own claims filing process, but has tools to make your filing process with your insurance provider more user-friendly. It will also contact unresponsive claims offices on your behalf.

You can filter your insurance search based on companies that offer adventure activities. You'll need to conduct your own independent research to see if your particular sport is covered under a particular policy.

Why You Should Trust Us: What Went into Our VisitorsCoverage Travel Insurance Review

When writing this review, we researched and compared popular travel insurance companies based on myriad factors, including policies offered, add-ons, cost, convenience, claims process, and customer satisfaction. Information on numerous travel insurance products is used in the process, and opinions expressed are based solely on facts gleaned.

Neither marketing tactics nor standalone online reviews were used in compiling these ratings. As most customer reviews come from individuals who have yet to file a claim, an emphasis is placed on plans offered instead of services rendered. VisitorsCoverage is unusual because it's not the travel insurance company, but we reviewed it based on the support provided, its partners' coverage, etc.

You can learn more about how Business Insider rates insurance products here.

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Below is a list of services which Mastercard® Travel and Lifestyle Services can provide information, referrals or make necessary arrangements: Dining • Information, referrals and when available, table reservations Car hire • Car hire information and reservation service Gift services • Floral arrangements, balloons, gift baskets and packages Delivery services • Courier service Events & ticketing •Information on events and local attractions such as concerts, theatre and sporting events and ticket arrangement for events, shows and museums Hard to find items •Location of out-of-print books, art objects, and specialty items Golf • Information, referrals, and reservations to public and semi-private courses Travel • 24-hour pre-departure information • Air travel information and reservation service • Alternative transport assistance • Destination information • Embassy and consular referrals • Foreign currency exchange rates • General information on business etiquette • General information on local customs • Hotel accommodation assistance • Hotel information and reservation Service • Information on national holidays and standard business hours • Local voltage information • Luggage assistance • Passport, visa and immunization • Travel advisories and customs information • Value-Added Tax regulations • Weather forecasts and average seasonal temperatures

How do I access Mastercard® Travel & Lifestyle Services?

You can easily reach Mastercard® Travel and Lifestyle Services through the following: • Visit the Mastercard® Travel and Lifestyle Services website • Via phone (toll-free): Philippines Globe – 180-087-395-245 (Local toll free) PLDT – 180-018-520-014 (Local toll free) International Toll – 852-301-63977 (regular rates apply) • Via email: mastercard.en-ap@tengroup.com

Who can I contact if I have questions regarding this service?

Mastercard For full details of available services, visit the Mastercard® Travel & Lifestyle Services website. BPI For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel insurance

Our travel insurance ratings methodology

Heidi Gollub

Kara McGinley

Kara McGinley

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Jennifer Lobb

Jennifer Lobb

Published 8:40 a.m. UTC May 24, 2024

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How we rate travel insurance 

We evaluated 1,855 travel insurance coverage details and rated 39 travel insurance companies by weighting key factors of top travel insurance plans and scoring the following details.

We analyzed 567 rates to determine the average cost of travel insurance plans, both with and without a “cancel for any reason” upgrade. The traveler profiles we used are based on various traveler profiles, destinations and trip costs.

  • $3,000, 8-day trip to Mexico for two travelers age 30.
  • $3,000, 8-day trip to Mexico for two travelers age 70.
  • $6,000, 17-day trip to Italy for two travelers age 40.
  • $6,000, 17-day trip to Italy for two travelers age 65.
  • $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
  • $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
  • $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7. 

>> Why this is important: While the cost of travel insurance will vary based on your personal trip details, you want a fairly priced travel insurance plan that includes adequate coverage for the benefits that are important to you. 

Emergency medical coverage

We scored each travel insurance plan based on the emergency medical coverage limit. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person received the highest score.

>> Why this is important: Your U.S. health insurance may not cover you when you travel out of the country. This coverage can cover doctor bills, X-rays and hospital stays if you’re ill or injured abroad. It’s best to have primary coverage with this benefit, which means you won’t have to first file a claim with your health insurance company before filing a travel insurance claim. 

Medical evacuation coverage

Emergency medical evacuation coverage pays to transport you to the nearest adequate treatment center. We gave travel insurance policies with emergency medical evacuation benefits of $500,000 or more per person the highest score.

>> Why this is important: Emergency medical evacuation can cost tens of thousands of dollars, or more if you need to be transported back to the U.S. from the other side of the globe. You’ll want a high coverage limit, especially if you are planning to travel on a boat or to a remote location. 

Pre-existing medical condition exclusion waiver

We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met. These conditions often include buying your policy within a certain number of days after your first trip deposit, being medically able to travel at the time you buy your travel insurance and insuring the full value of your trip.

>> Why this is important: If you don’t qualify for this waiver, or buy a policy that doesn’t offer one, your pre-existing conditions will not be covered by your travel insurance plan. This could include any condition for which you’ve received treatment in recent months, such as asthma.

Missed connections coverage

Not all travel insurance plans offer coverage for expenses you incur after missing a connecting flight. We gave plans with missed connection benefits of $1,000 per person or more full points. 

>> Why this is important: If a delayed flight causes you to miss a connection and your cruise leaves without you, you could be out a lot of money. This benefit is often limited to cruises and tours but some plans offer more expansive coverage. 

“Cancel for any reason” (CFAR) upgrade

CFAR is an optional upgrade that raises the price of your travel insurance but gives you the option to cancel for a reason not listed in your policy. Some CFAR coverage upgrades only reimburse up to 50% of your trip expenses. We gave points to travel insurance plans with CFAR coverage that reimburses up to 75%.

>> Why this is important: If you’re going to spend the extra money for CFAR coverage, you want a plan that reimburses up to 75% of your prepaid, nonrefundable trip expenses. 

Travel delay required waiting time

Travel delay benefits kick in after a certain waiting period. We gave points to travel insurance policies with travel delay benefits that kick in after a delay of six hours or less.

>> Why this is important: If your connecting flight is delayed and you need to spend extra money, such as on buying dinner at the airport, you want a short waiting period.

Cancel for work reasons

We gave travel insurance plans that allow you to cancel your trip for work reasons points. 

>> Why this is important: Being asked by your boss to stay and work instead of traveling may not be within your control. Watch out for fine print with this benefit though. You might need to have been employed with your current company for a number of years in order to qualify.

Hurricane and severe weather waiting period

Travel insurance plans with a required waiting period of 12 hours or less for hurricane and severe weather coverage received points.

>> Why this is important: If severe weather disrupts your trip, you won’t want to have to wait more than 12 hours for your benefits to apply. 

Our star ratings explained

Our best travel insurance star ratings are determined by weights assigned to the key factors above. Each travel insurance plan is scored and its total score out of 100 determines its star rating. Top scores earn 5 stars. 

Methodologies

  • Best travel insurance companies .
  • Best cruise travel insurance .
  • Best senior travel insurance .
  • Best “cancel for any reason” travel insurance .
  • Best COVID travel insurance .

Best travel insurance methodology

The best travel insurance companies bundle several types of valuable coverage together for a reasonable price. We rated travel insurance plans based on important benefits, coverage levels and cost. 

Best travel insurance ranking factors

  • Cost: 40 points.
  • Emergency medical coverage: 10 points.
  • Medical evacuation coverage: 10 points.
  • Pre-existing medical condition exclusion waiver: 10 points.
  • Missed connection coverage: 10 points.
  • “Cancel for any reason” upgrade: 5 points.
  • Travel delay waiting period: 5 points.
  • Cancel for work reasons covered: 5 points.
  • Hurricane and severe weather waiting period: 5 points.
See the results of our analysis in our rating of the best travel insurance .

Best cruise travel insurance methodology

The best cruise travel insurance covers COVID-related cancellation and medical expenses, offers missed connection coverage and has high levels of emergency medical and medical evacuation coverage. 

Best cruise travel insurance ranking factors

  • Cost: 50 points.
  • Medical evacuation coverage: 10 points. 
  • Missed connection coverage: 15 points. 
  • CFAR reimbursement level: 5 points.
  • Trip interruption coverage: 5 points.
  • Pre-existing medical condition exclusion waiver: 5 points.
See the results of our analysis in our rating of the best cruise travel insurance .

Best senior travel insurance methodology

The best senior travel insurance has high levels of emergency medical and evacuation benefits as well as a pre-existing medical condition exclusion waiver. All plans we considered also offer an optional “cancel for any reason” upgrade. 

Best senior travel insurance ranking factors

  • Emergency medical coverage: 15 points.
  • Medical evacuation coverage: 15 points. 
  • Pre-existing medical condition exclusion waiver: 20 points. 
See the results of our analysis in our rating of the best senior travel insurance .

Best “cancel for any reason” travel insurance methodology

The best “cancel for any reason” (CFAR) travel insurance offers a high reimbursement percentage for a good price. 

Best CFAR travel insurance ranking factors

  • Cost: 80 points.
  • CFAR reimbursement level: 20 points. 
See the results of our analysis in our rating of the best “cancel for any reason” (CFAR) travel insurance .

Best COVID travel insurance methodology

The best COVID travel insurance gives you the flexibility and medical coverage you need if you get COVID-19 during your trip. 

Best COVID travel insurance ranking factors

  • Cost: 70 points.
  • "Interruption for any reason" upgrade: 10 points.
See the results of our analysis in our rating of the best COVID travel insurance .

How we collect data

Our insurance editors collect travel insurance data by requesting quotes for seven unique traveler profiles for each plan in our analysis. We then review sample travel insurance policies and document details on each plan’s coverages, benefit levels and optional add-ons. We also document notable exclusions from coverage. 

Our data undergoes three levels of fact-checking to ensure accuracy. We refresh this data annually, and our ratings are updated then. 

USA TODAY Blueprint’s editorial standards

Our goal as insurance editors is to provide an unbiased analysis of insurance products on the market and break down the pros and cons of each for readers. 

For insurance ratings, we collect thousands of data points to evaluate by assigning weights to the most important factors. These weights determine each product’s score out of 100, which translates to a star rating. Top-scoring insurance products get 5 stars. 

Our ratings are designed to let rigorous methodology determine the winners so all star ratings are data-based. Advertisers never influence our editorial content.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Heidi Gollub

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

Jennifer Lobb is deputy editor at USA TODAY Blueprint and is an experienced insurance and personal finance writer. Jennifer served as an insurance staff writer and editor at U.S. News and World Report and deputy editor of insurance at Forbes Advisor. She also spent several years covering finance and insurance for various financial media sites, including LendingTree and Investopedia. For nearly a decade, she’s helped consumers make educated decisions about the products that protect their finances, families and homes.

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bpi signature card travel insurance

14 Best Travel Credit Cards of May 2024

Best travel cards main takeaways.

  • Money has evaluated hundreds of credit cards, comparing their fees, benefits, welcome offers, travel insurance policies and more.
  • The top credit cards for travel offer high rewards on travel purchases, which can be redeemed for airfare, hotel nights, cash back, statement credits or more.
  • Our picks feature the best travel cards for every budget and include no-annual-fee, low-annual-fee, premium and business cards.

Why Trust Us?

Our editorial team has spent well over a thousand hours analyzing, evaluating and comparing the top credit card offers in the market. We carefully vet each card’s fine print in order to understand their features, limitations and potential benefits for consumers. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

  • 46 travel credit cards evaluated
  • 10+ data points used, including ongoing fees, reward programs and welcome offers
  • 100+ sources reviewed

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. This site does not include all card companies or all available card offers. O ur top picks are listed strictly in alphabetical order.

Our Top Picks for Best Travel Credit Cards

Best no-annual-fee travel credit cards.

  • Bank of America® Travel Rewards Credit Card – Best no-annual-fee travel card for flat rate rewards
  • Bilt Mastercard® – Best no-annual-fee travel card for paying rent
  • Capital One VentureOne Rewards Credit Card – Best no-annual-fee card for travel partners
  • Chase Freedom Unlimited® – Best no-annual-fee travel card for domestic travel
  • Discover it® Miles – Best no-annual-fee travel card for simple rewards
  • Wells Fargo Autograph℠ Card – Best no-annual-fee travel card for everyday spending

Best low-fee-annual-fee travel credit cards

  • Capital One Venture Rewards Credit Card – Best travel card for flat-rate rewards
  • Chase Sapphire Preferred® Card – Best travel card for flexible rewards

Best premium travel credit cards

  • American Express® Gold Card – Best travel card for dining
  • Capital One Venture X Rewards Credit Card – Best low-cost premium travel card
  • Chase Sapphire Reserve® – Best premium travel credit card
  • The Platinum Card® from American Express – Best travel card for lounge access

Best business travel credit cards

  • The Business Platinum Card® from American Express – Best business travel card

Best airline travel credit cards

  • United℠ Explorer Card: Best airline credit card

Best Travel Credit Cards Reviews

Our top picks are listed in alphabetical order.

Best No-Annual-Fee Travel Credit Cards

  • No annual fee
  • No foreign transaction fees
  • Earns 1.5x points on all purchases
  • No bonus category for travel
  • Few benefits compared to other cards
  • Limited redemption options

Why we chose it: The Bank of America® Travel Rewards Credit Card is an easy-to-use card best suited for travel reward beginners or those who are already Bank of America customers.

Some cardholders can earn up to 75% more points if they are Bank of America Preferred Rewards members — that’s up to 2.62 points for every dollar spent.

However, the card doesn’t offer hotel and airline point transfer partners, travel insurance or extended warranty and purchase protection. Additionally, you can only redeem your points as statement credit to cover travel and dining purchases.

All information about Bank of America® Travel Rewards Credit Card has been collected independently by Money.com

  • No annual or foreign currency conversion fee (Click herehttps://www.wellsfargo.com/credit-cards/bilt/terms/">here; for rates and fees)
  • Use it to pay your rent and earn rewards without incurring any processing fees
  • You can earn double points on all purchase categories (except rent payments) on the first of every month (up to 10,000 points)
  • Earn 2x points on travel (when booked directly through an airline, hotels, car rental agencies and cruise lines)
  • No welcome bonus or introductory APR period
  • Points redeemed for statement credits are worth 0.55 cents each
  • You must make at least five transactions in a statement period to earn points
  • Rent payments can only be made to one rental property per month

Why we chose it: The Bilt Mastercard® lets you earn travel rewards on rent payments without incurring any processing fees — unlike most credit cards that typically charge around 2.5% to 2.9% per rent payment.

You can use the card to pay rent without worrying about surcharges. Once you get approved for the card, all you have to do is set up an account through the Bilt app or website and use your assigned routing and account number to pay rent through your usual payment portal. You can also use your card even if your landlord only accepts checks, and Bilt will send a check on your behalf.

Additionally, Bilt doubles the card’s rewards rates on the first of every month, which means you can earn 6x points on dining, 4x points on travel and 2x points on other purchases (up to 10,000 points per month). However, this bonus doesn’t apply to rent rewards.

On the downside, the Bilt Mastercard® doesn’t offer a welcome bonus, and points redeemed for statement credits are only worth 0.55 cents each.

  • Can transfer your miles to 16 travel partners
  • Earns 5x miles per dollar on hotels and rental cars booked through Capital One Travel
  • Doesn't earn bonus points on airfare
  • No domestic travel partners

Why we chose it: The Capital One VentureOne Rewards Credit Card is a great option if you’re looking for a no-annual fee travel credit card with a simple rewards structure.

You can use your miles to book travel through the Capital One Travel portal or as a statement credit to cover travel purchases made from airlines, hotels, rail lines, car rental agencies and more.

You can also transfer your points to one of Capital One’s 16 travel partners, which include international airlines such as Avianca and British Airways. This option is notable since travel credit cards with no annual fee don’t typically offer the option to transfer your reward to airline and hotel partners.

However, the card’s list of bonus categories is limited compared to some other no-annual-fee credit cards, and Capital One doesn’t offer bonus points on airfare booked through Capital One Travel.

  • Includes trip cancellation/interruption and car rental insurance
  • Features a high flat cash back rate combined and popular bonus categories
  • 3% foreign transaction fee

Why we chose it: The Chase Freedom Unlimited® is the best credit card for traveling domestically. It offers a 1.5% flat cash back rate on most purchases plus it has several appealing bonus categories, including travel and dining.

This card charges a 3% foreign transaction fee, that is, on any transactions made in currency other than US dollars. However, if you mostly travel within the U.S., this card is an excellent option.

For one, you’ll earn an additional 1.5% on each of the card’s bonus categories during the first year of card membership (or up to the first $20,000 spent).

Also, although using this card abroad is not recommended, you can still use it to book international trips while you’re home, and you’ll earn 5% cash back if you book it through Chase Travel℠.

You can redeem your rewards for cash back, travel, gift cards and even transfer them to other cards that earn Chase Ultimate Rewards® points. It’s also worth noting that this card is one of the few no-annual-fee credit cards with rental car coverage and trip cancellation and interruption insurance.

  • No annual or foreign transaction fees
  • Discover matches the total miles you earned at the end of the first year
  • Earns 1.5x miles on all purchases
  • See your FICO score on the Discover mobile app, online and on statements
  • Few benefits compared to other travel cards
  • Doesn't include extended warranty or purchase protection

Why we chose it: The Discover it® Miles Credit Card is a no-frills card ideal for travelers who don’t want to keep track of bonus categories, earning caps or redemption values.

The card earns a flat 1.5x miles on all eligible purchases without any annual caps. You can redeem your miles for statement credits and account deposits at a rate of 1 cent per mile. You can also use your rewards through Amazon and PayPal checkout with the same value.

Also, the card’s welcome bonus is easily one of the best in the market: Discover matches every mile you’ve earned at the end of your first membership year — without any spending requirements.

However, while the Discover it® Miles Credit Card is a great starter travel card, its lack of bonus categories could hinder your reward-earning potential in the long run. Additionally, Discover cards aren’t as widely accepted internationally as Visa Signature and World Mastercard, for example.

All information about the Discover it® Miles Credit Card has been collected independently by Money.com.

  • Earn 3x points on restaurants, travel, gas stations, select streaming services and cell phone plans
  • Includes cell phone protection plan
  • No airline or hotel transfer partners
  • Doesn't include travel insurance
  • Netflix and HBO are not eligible for streaming bonus

Why we chose it: The Wells Fargo Autograph℠ Card is the best travel reward card for everyday spending, offering high rewards on several popular spending categories, including travel, dining, gas, streaming services and cell phone plans.

Its travel bonus category is particularly noteworthy because you can earn points regardless of where you make your reservations, whether it’s directly with an airline or through a third-party travel site like Booking.com. (Most travel credit cards limit travel rewards to bookings made exclusively through the card issuer’s travel portal.)

The card also includes rental car insurance and a cell phone protection plan when you use it to pay your monthly bill.

All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com.

Best Low-Annual-Fee Travel Credit Cards

  • Earn 2x miles per dollar on most purchases
  • Up to $100 credit for Global Entry or TSA PreCheck(R)
  • Includes travel accident and car rental insurance
  • Fewer bonus categories than other cards with a similar annual fee ($95)
  • Doesn't offer travel rewards for flights
  • Car rental insurance is secondary

Why we chose it: The Capital One Venture Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories and spending caps.

You can redeem your miles on the Capital One travel portal and as statement credits to cover travel purchases at a value of one cent per mile. Additionally, you may transfer your miles to more than 15 airline and hotel partners.

However, keep in mind that Capital One doesn’t have domestic travel partners, which can be a drawback if you mainly travel within the U.S.

  • Points are worth 25% more when redeemed for travel purchases through Chase TravelSM
  • Receive a point bonus each account anniversary
  • Includes primary rental car insurance
  • Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases
  • $95 annual fee
  • Doesn't offer a Global Entry/TSA PreCheck(R) application fee credit

Why we chose this card: The Chase Sapphire Preferred® Card is the best travel credit card for frequent travelers who want to earn valuable rewards while paying a low annual fee.

The card features six reward categories that offer outstanding rewards on flights, hotels, restaurants and more. You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through the Chase Travel℠ portal, which increases your point’s usual one-cent value by 25%.

You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through Chase Travel℠, which increases your point’s usual one-cent value by 25%.

You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt.

Best Premium Travel Credit Cards

  • Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S.
  • Up to $120 in annual dining credits, issued as a $10 statement credit per month for select restaurants (enrollment required)
  • Up to $120 as Uber Cash annually ($10 per month) for food delivery orders and rides in the U.S. after you add the American Express(R) Gold Card to your Uber account
  • Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x)
  • High annual fee ($250)
  • Includes few travel perks and insurance policies compared to similarly priced cards

Terms apply. Please click here for applicable rates and fees.

Why we chose it: The American Express® Gold Card is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.)

The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include:

  • Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required)
  • Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the American Express® Gold Card to your account)
  • $100 credit for dining, spa services and other activities when you book a two-night minimum stay at a hotel from The Hotel Collection through American Express Travel
  • Terms apply

However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck® or CLEAR® Plus fee credits.

  • 10,000 bonus miles every year
  • Statement credit of up to $300 for bookings made through Capital One Travel
  • Up to a $100 credit on Global Entry or TSA PreCheck(R)
  • Skip the line and get car upgrades when renting a car with Hertz
  • High annual fee ($395)
  • Fewer bonus categories than other premium cards
  • No domestic airline transfer partners

Why we chose it: The Capital One Venture X Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture X also includes noteworthy perks such as:

  • 10,000 bonus miles every year (starting on your first anniversary)
  • $300 annual credit for bookings through Capital One Travel
  • Up to a $100 credit for Global Entry or TSA PreCheck®
  • Access for you and two guests to 1,300+ lounges worldwide with Priority Pass™ Select and Plaza Premium Group
  • Authorized users at no extra cost (many cards have an annual fee of $75 or more for each additional user)

All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee.

  • Up to $300 in statement credits each anniversary year to cover travel purchases
  • Transfer your points to 14 travel partners (including United, Southwest, JetBlue and Marriott)
  • Points worth 50% more when redeemed for travel expenses through Chase TravelSM
  • Comprehensive travel insurance coverage, including emergency dental insurance
  • High annual fee ($550)
  • Doesn't include a cell phone protection plan

Why we chose it: The Chase Sapphire Reserve® is the best credit card for travelers looking for a high reward rate on travel and additional benefits like comprehensive travel insurance and airport lounge access worldwide.

Your points are worth 50% more when you redeem them for travel through the Chase Travel℠ portal. This means each point is worth 1.5 cents per point instead of one cent, like most travel cards. Also, the Chase Sapphire Reserve® provides several high-end benefits such as:

  • $300 annual travel credit to cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking
  • Access for you and two guests to 1,300+ airport lounges worldwide (after a one-time enrollment in Priority Pass™ Select)
  • Statement credit of up to $100 every four years for Global Entry, TSA PreCheck® or Nexus

The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.

  • Access to the widest network of airport lounges of any card
  • Complimentary elite status in the Marriott and Hilton hotel loyalty programs
  • Hundreds of dollars in annual statement credits for travel, dining and more
  • High annual fee ($695)
  • Doesn't include baggage delay, travel accident and primary rental car insurance
  • Limited bonus categories

Terms apply. Click here for rates and fees.

Why we chose this card: The Platinum Card® from American Express offers a list of premium benefits that no other travel card offers, including the widest network of airport lounges and room upgrades at Hilton and Marriott hotels. (Terms apply.)

The Platinum Card® from American Express features an impressive list of high-end travel benefits, including:

  • Complimentary access to over 1,400 airport lounges, including Priority Pass, Delta SkyClub and Amex’s own Centurion lounges (enrollment required)
  • Gold status in the Marriott and Hilton loyalty programs, which makes you eligible for room upgrades, free breakfast and late checkouts (enrollment required)
  • $200 back each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings made through American Express Travel and paid with your Platinum Card® (Hotel Collection bookings require a minimum two-night stay)
  • Up to $200 per year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® (with one selected qualifying airline)
  • Complimentary premium status in Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club (must enroll through your Amex online account using your card)

The Platinum Card® from American Express does have a hefty $695 annual fee. However, for people who travel often and will take advantage of its annual credits and travel perks, it might almost pay for itself.

Best Business Travel Credit Cards

  • 5X points on flights and prepaid hotels booked through AmexTravel.com
  • Around $1,000 in yearly statement credits for select business purchases
  • Access to a wide network of airport lounges (terms apply)
  • Around $600 in perks in Fine Hotels + Resorts(R) locations booked through American Express Travel (for stays of two nights)
  • Secondary rental car coverage**

Why we chose it: The Business Platinum Card® from American Express features an extensive list of benefits that make it an ideal travel and business credit card.

With this card, you can access over 1,400 airport lounges worldwide, comprehensive travel insurance and extra amenities at hundreds of hotels, like daily breakfast and free internet access. Additionally, you get a $200 credit to cover baggage fees, in-flight refreshments and more and up to $100 for Global Entry or $85 for TSA PreCheck® every four or 4.5 years respectively. (Terms apply.) (Enrollment required.)

The card also offers several yearly statement credits for business-related purchases that include up to $400 per year ($200 between January and June and $200 between July and December) for U.S. purchases with Dell.

The Business Platinum Card® from American Express does have one of the steepest annual fees ($695) among travel credit cards, but its extensive list of benefits makes it a no-brainer for business owners who travel frequently.

Best Airline Travel Credit Cards

  • Free first checked bag for you and a companion
  • Up to $100 as a statement credit for Global Entry, TSA PreCheck(R) or NEXUS every 4 year
  • 25% back as a statement credit on food, beverages and Wi-Fi on board United-operated flights
  • Complimentary priority boarding for you and companions traveling on the same reservation
  • $95 annual fee (after the first year)
  • No intro APR period
  • Rewards are only valuable when used with United

Why we chose it: The card_name has a low annual fee and gives you valuable benefits that make up for it, such as priority boarding for everyone on the reservation and a free checked bag for you and one companion.

Other perks the card includes are:

  • Two one-time passes for United Club℠ airport lounges each account anniversary year
  • 25% back as a statement credit on in-flight purchases like food, beverages and Wi-Fi
  • Up to $100 every four years to cover the cost of TSA PreCheck®, Global Entry or NEXUS
  • Comprehensive travel insurance (auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance and trip delay reimbursement)

The United℠ Explorer Card earns miles on United purchases, including tickets, inflight food, beverages, Wi-Fi and more. You also earn rewards at restaurants and select hotel stays.

You can use your miles to book flights on United Airlines or its partners, including Avianca, Lufthansa and Air Canada. You can also redeem them for seat upgrades, inflight Wi-Fi passes and more — although United miles are usually more valuable when used for airfare.

Travel Credit Cards Guide

The best credit cards for travel do more than offer high reward rates on flights and hotel stays. They also provide rewards for everyday spending and perks such as travel insurance , airport lounge access and annual statement credits.

Here’s a rundown of how these cards work:

What is a travel credit card?

Travel credit cards offer benefits and rewards geared towards individuals who travel frequently or want to earn travel benefits.

They provide high rewards for travel-related expenses such as flights, hotels, rental cars and dining. You can then use these rewards (in the form of points or miles) to book travel reservations. Some cards also let you transfer your rewards to hotel and airline partners or redeem them for statement credits, cash back, gift cards and more.

On top of the rewards, these cards often feature several travel-related perks, such as no foreign transaction fees, hotel discounts, travel insurance, free checked bags and airport lounge access.

How do travel credit cards work?

Travel credit cards give you a certain number of points or miles per dollar on eligible purchases. They often offer around 5x points or more for airfare, hotel rooms, rental cars and more. Some cards may also count parking, bus fares, taxis, tolls and ferries as travel purchases.

Besides travel, you’ll typically get bonus points in additional spending categories. For example, some cards may offer 3x points per dollar on dining, groceries, drugstores or streaming services. All other eligible purchases usually get at least one point (1x) per dollar.

You can then redeem your points for flights, hotels, car rentals, cruises and more. Card issuers also usually let you redeem your points for non-travel options like statement credits, cash back or gift cards.

How to use credit card points for travel

Travel credit cards have rewards programs through which you can earn points (or miles). Well-known point programs include Chase Ultimate Rewards®, American Express Membership Rewards® and Citi ThankYou® Rewards.

To redeem your points, go to your travel card’s rewards program portal. The process may differ across credit card issuers, but you’ll usually be able to access it through your online account on the issuer’s website or app.

Points are usually worth one cent each. However, some issuers increase their value if you redeem them for travel. For example, Chase Sapphire Preferred® Card points are worth 1.25 cents when used to book flights through the Chase Travel℠ portal.

Points may also be worth less than a cent, depending on how you redeem them. For example, some cards allow you to use your points at Amazon checkout. While this might sound convenient, this option may bring down the value of points to around 0.8 cents.

Some cards also allow you to transfer your rewards to select airline and hotel partners. Typically, you can transfer rewards to these loyalty programs on a 1:1 ratio, meaning that 1,000 credit card points are worth 1,000 loyalty program points.

Difference between points and miles

You’ll earn points or miles depending on which travel credit card you have. For example, Chase travel credit cards earn points, while Capital One travel cards earn miles. Miles and points typically have similar value (around one cent each) and redemption options.

However, keep in mind that several cards that earn miles are tied to a specific airline — like the United℠ Explorer Card. In this case, you can only use your rewards for purchases with the issuing airline such as flights, seat upgrades, inflight dining and more.

Pros and cons of travel credit cards

  • Some cards offer up to 10x points per dollar on travel purchases.
  • Many have additional bonus categories for dining, grocery shopping and more.
  • They may include travel benefits like priority boarding, airport lounge access and late hotel checkouts.
  • Points or miles can also be redeemed for cash back, statement credits, gift cards and more.
  • Highest reward rates are usually limited to purchases made through the card issuer's travel portal.
  • They might not offer high rewards on spending outside of the travel category.
  • Some of the best ones can have steep annual fees and require good to excellent credit
  • Redeeming points or miles for anything other than travel can reduce their value to less than one cent per dollar.

Types of travel credit cards

Here’s a rundown of the differences between the three main types of travel credit cards:

Airline credit cards

Airline credit cards are ideal for people who regularly fly with the same airline. These cards earn miles you can redeem for flights, seat upgrades, inflight dining, airport lounge access and other travel-related purchases but typically only with the issuing airline.

Some of the best airline travel credit cards include benefits like free checked bags, priority boarding and discounts on in-flight purchases.

Hotel credit cards

With hotel credit cards, you can only redeem your points for stays, discounts and other benefits with one particular hotel chain.

For example, the Hilton Honors American Express Surpass® Card earns points for Hilton’s loyalty program, which you can redeem for free nights in the company’s properties, including Hilton Garden Inn and Waldorf Astoria hotels.

Hotel credit cards may also offer complimentary breakfast, room upgrades, late checkouts and bonus points for purchases made during your stay.

General travel credit card

General travel credit cards are more flexible than airline or hotel cards. They aren’t affiliated with a single airline or hotel chain, so their points can be used to book flights, hotel stays, rental cars and more from different companies.

These cards may also offer useful perks for frequent travelers, like airport lounge access. They can also cover the cost of a Global Entry or TSA PreCheck® membership, which allows you to skip the long lines at airport security or customs.

How to choose a travel credit card

Picking the best travel rewards credit card boils down to how often you travel, which cardmember perks you’d benefit the most from and the categories you spend the most on.

Here are some factors to keep in mind when choosing the best card for you:

  • Do you travel often? A travel rewards credit card offers high reward rates on travel spending, and you’ll get the most bang for your buck when you use their points on flights, hotels and car rentals. If you don’t take trips often but want to pile up rewards, a cash-back credit card might be a better fit.
  • Assess your everyday spending. Many travel cards have additional bonus categories other than travel, like dining, supermarkets, streaming services and drugstores. Consider your day-to-day spending habits and pick a card with bonus categories that fit your lifestyle.
  • Consider the card’s annual fees. No-annual-fee travel cards usually have few travel benefits. The best travel credit cards charge annual fees of at least $90 and can go as high as $700. However, these are often best for those that travel enough to take advantage of their benefits.
  • General travel card vs co-branded cards. General travel cards have more flexible redemption options. On the other hand, co-branded cards are often tied to a specific airline or hotel, which can limit your options. Still, they do provide valuable perks like free checked bags, in-flight discounts and hotel upgrades.
  • Compare extra travel perks. Some cards offer extras like annual statement credits for flights and hotels or upgrades when renting cars. Take the time to compare each card’s roster of add-ons and pick one that will best suit your travel plans.
  • Compare insurance policies. The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the card’s annual-fee tier.
  • Beware foreign transaction fees. Most travel credit cards don’t charge foreign transaction fees. Some cash-back cards may offer outstanding rewards for travel purchases but charge around 3% fees on purchases outside the U.S.
  • Look beyond welcome offers. A 60,000-point welcome bonus can be enticing. However, it shouldn’t be your deciding factor, especially if you’ll end up paying a high annual fee without getting your money’s worth.

How get the most out of your travel credit card

To get the most out of your travel credit card, you need to use it as often and strategically as possible. This way, you can earn points or miles with each purchase, which you can then redeem for free or discounted flights, hotels and more.

Use your travel card to pay most of your purchases and bills and then pay your card off in full each month. This will help you earn points while avoiding interest charges and high credit card debt , which can impact your credit score.

Here are some other tips to maximize your rewards and benefits:

  • Consider adding an authorized user to your account. They’ll earn points with every purchase they make, and those will get added to your overall total. However, make sure to pick someone who will use the card responsibly since you’ll be legally liable if they ever fail to pay their monthly bills.
  • Redeem your rewards for travel through the card issuer’s website. This redemption option usually offers the highest value compared to gift cards or merchandise, for example.
  • If your card offers travel protections (like travel accident or luggage insurance), use it to pay for your passenger fares. This way, you could be reimbursed in the event of an accident or lost luggage, for example.
  • Use your airline or hotel card to sign up for the company’s frequent flyer or frequent guest loyalty program. You’ll often earn extra points or miles when you’re a member and use your co-branded card to pay for flights, hotel stays and more.
  • If you can transfer points from other credit cards to your travel card, take advantage of this feature. This way, you can accumulate extra points for travel booking and sometimes even increase their value.

Best Travel Credit Cards FAQs

What is the best travel credit card, what is the best credit card for international travel, how to travel for free with credit cards, what is the best credit card for travel miles, what is a welcome bonus on a credit card, how we chose the best travel credit cards.

We ranked the best credit cards for travel based on their annual fees, benefits, reward rates and redemption flexibility.

Fees: We compared interest rates and foreign, cash advance and balance transfer fees for more than 50 credit cards. We also considered their annual fee, looking for those that offered the most for the money.

Ongoing benefits: Intro APR and bonus offers are attractive, but they can only get you so far. We focused on cards with year-round benefits such as travel insurance or cell phone protection plans.

Reward rates: We preferred cards that allow you to earn extra points from travel expenses, as well as those that provide significant bonus rewards in popular spending categories, like dining, supermarkets or streaming services.

Redemption flexibility: Our picks don’t limit your redemption options to just travel. Some let you use your points for Amazon purchases, for example. We also preferred issuers that allowed cardholders to transfer their points to airline and hotel partners.

Summary of Money’s Best Travel Credit Cards of May 2024

  • Discover it® Miles Credit Card – Best no-annual-fee travel card for simple rewards

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

To see rates and fees for the American Express® Gold Card, visit this link . Terms apply.

To see rates and fees for The Platinum Card® from American Express, visit this link . Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: 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.

Trip Cancellation and Interruption Insurance: 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.

Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please 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.

** 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. Please 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.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 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. Please 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.

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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