The 7 Best Credit Cards for Travel Accident Insurance [2026]

You don’t embark on a journey thinking something bad will happen, because chances are that the worst won’t happen.  It’s good to know, however, that if something did happen and you were severely injured or even worse, there is coverage available — and it’s complimentary with your credit card.

Travel accident insurance is widely available but seldom used. And while you probably don’t base your credit card decisions on coverage, it’s helpful to know which cards offer it. Travel protections and benefits can save you money and provide peace of mind, reassuring you that you have coverage should something drastic happen during your trip.

Travel accident insurance, specifically, is one of those peace-of-mind coverages that can be a welcome resource should you need it.

Here’s a look into travel accident insurance with the objective of defining the coverage and letting you know which popular cards carry the protection as part of a broader package of travel protections and benefits.

What is Travel Accident Insurance?

Travel accident insurance is a complimentary travel protection offered on some travel rewards credit cards. The coverage pays out a specified benefit should you or your immediate family become severely injured, including dismemberment, loss of sight, hearing, or speech, or death caused by a covered accident on a common carrier during your travels.

The coverage works similarly to life insurance in the case of accidental death. Dismemberment and severe injury are handled differently in that a percentage of the total death benefit is paid out depending on the severity of the injury. The limits on benefit payouts are shown in a table published in the guide to benefits for each specific credit card.

Travel accident insurance is different than trip cancellation, trip interruption, and trip delay insurance in that it only pays a benefit in the case of accidental death or specified severe injuries when you travel on a common carrier.

Also, unlike most travel insurance policies that come with your credit card, travel accident insurance is not secondary coverage. This means it pays benefits in addition to other life, disability, or medical coverage you hold.

Primary and additional cardholders can generally designate a beneficiary for the accident life insurance portion of the coverage.

Bottom Line:

Travel accident insurance is often complimentary with many travel rewards credit cards. It works similarly to an accidental life insurance policy, paying out a percentage of the benefit in the event of death or a severe injury. 

The Best Credit Cards for Travel Accident Insurance

The best credit cards for travel accident insurance offer protections and benefits beyond just travel accident insurance. The following travel rewards credit cards offer some of the best travel insurance packages available, and all coverages are complimentary with the card.

Card Summary

Chase Travel Accident Insurance

Chase has 2 types of travel accident insurance:

• Common carrier travel accident benefit: This protection covers you while you are a passenger on any common carrier or at the airport, terminal, or station immediately before or after your trip.
• 24-hour-a-day travel accident benefit (often shortened to “24-hour travel accident benefit”): You are covered as soon as you begin your trip, during your qualifying trip, and until you return for accidental death, dismemberment, and loss of speech, sight, or hearing.

Chase Cards That Provide Travel Accident Insurance

Chase Sapphire Preferred^® Card (Top Pick)

The Chase Sapphire Preferred provides up to $500,000 for the common carrier benefit or $100,000 for the 24-hour-a-day benefit. In addition to travel accident insurance, the Chase Sapphire Preferred card offers travel coverage, including trip cancellation and interruption insurance, trip delay reimbursement, primary rental car coverage, and up to $100,000 in emergency evacuation and transportation benefits.

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

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

Welcome Offer

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

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, gas, EV charging, vacation homes, 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 and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation homes (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel^SM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get a year of complimentary Apple TV when activated by December 31, 2026 – a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Ink Business Preferred^® Credit Card

The Ink Business Preferred card provides up to $500,000 for the common carrier benefit, or $100,000 for the 24-hour-a-day benefit.

NEW OFFER

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Apply Now(at Chase's secure site)

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.

Welcome Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

17.74% - 26.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

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.

Pros & Cons

Pros

• 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
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• 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
• Earn 5x total points on Lyft rides through 9/30/27.
• 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
• Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

Financial Snapshot

• APR: 17.74% - 26.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Chase Sapphire Reserve^®

In addition to travel accident insurance of up to $1 million, the Chase Sapphire Reserve card offers complimentary emergency evacuation insurance up to $100,000 and $2,500 in emergency medical and dental expenses.

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get $3,000 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
• Member FDIC

Financial Snapshot

• APR: 19.49% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Sapphire Reserve for Business℠

Business owners seeking a premium travel rewards credit card that includes travel accident insurance should consider the Chase Sapphire Reserve Business card. It provides up to $1 million of coverage, plus emergency evacuation insurance of up to $100,000, and $2,500 in emergency medical and dental expenses.

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

The World of Hyatt Credit Card

Pay for your transportation ticket with your World of Hyatt card and receive up to $500,000 in travel accident insurance for a covered loss.

Terms Apply / Rates & Fees

The World of Hyatt Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Apply Now(at Chase's secure site)

The World of Hyatt Credit Card

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Welcome Offer

Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Up to 60,000 points

UP's Offer Valuation*:

$900

Annual Fee

$95

APR

19.24% - 27.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros & Cons

Pros

• Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
• 1x point per $1 on all other purchases

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

World of Hyatt

United-Branded Credit Cards

Terms Apply / Rates & Fees

United℠ Explorer Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

Apply Now(at Chase's secure site)

United℠ Explorer Card

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

Welcome Offer

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Up to 60,000 miles

UP's Offer Valuation*:

$720

Annual Fee

$150

APR

19.74% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This 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!

Pros & Cons

Pros

• 9x total miles per $1 on eligible United flights
• 3x miles per $1 on all other eligible United purchases
• 2x miles per $1 on dining purchases (including delivery services), and hotel stays when booked with the hotel

Cons

• $0 intro annual fee for the first year, then $150
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn up to 60,000 bonus miles
• $0 introductory annual fee for the first year, then $150
• NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United^® purchases.
• 2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.
• Free first checked bag - a savings of up to $200 per roundtrip. Terms Apply. Plus, priority boarding on United^® flights.
• 2 United Club one-time passes per year - over a $100 value
• Over $500 in partner credits each year
• NEW! Save 10% or more when booking flights with miles. Premier members save even more.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

Rewards Center

United MileagePlus Frequent Flyer Program

Terms Apply / Rates & Fees

United Club℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Apply Now(at Chase's secure site)

United Club℠ Card

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Welcome Offer

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Up to 90,000 miles

UP's Offer Valuation*:

$1,080

Annual Fee

$695

APR

19.74% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The United Club℠ Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

Pros & Cons

Pros

• NEW! 11x total miles on eligible United flights and 5x miles on all other eligible United^® purchases
• 2x miles per $1 on dining and other travel purchases
• Complimentary United Club membership

Cons

• $695 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn up to 90,000 bonus miles
• NEW! 11x total miles on eligible United flights and 5x miles on all other eligible United^® purchases
• 2x miles on dining and all other travel
• 1x mile on all other purchases
• Unlimited United Club℠ access for you and a guest - a $750+ value per year
• Free first and second checked bags - a savings of up to $440 per roundtrip (terms apply) - and Premier Access^® travel services.
• Earn up to 20,000-miles in award flight discounts annually
• NEW! Save 10% or more when booking flights with miles. Premier members save even more.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

Terms Apply / Rates & Fees

United Quest℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Apply Now(at Chase's secure site)

United Quest℠ Card

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Welcome Offer

Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

Up to 70,000 miles + 500 PQP

UP's Offer Valuation*:

$840

Annual Fee

$350

APR

19.74% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

Enter: the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.

With an annual fee that falls between the United℠ Explorer Card and the United Club℠ Card, the United Quest card makes for a fantastic card option for United frequent flyers.

Pros & Cons

Pros

• 10x total miles per $1 on United flights
• 5x miles on stays through Renowned Hotels and Resorts
• 3x miles per $1 on other United purchases

Cons

• Does not earn transferable rewards
• Does not offer airport lounge access

Read Full Review

Card Highlights

• Earn up to 70,000 bonus miles and 500 PQP
• NEW! 10x total miles on eligible United flights and 4x miles on all other eligible United^® purchases
• 2x miles on dining, select streaming services, and all other travel
• 1x mile on all other purchases
• Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 8 weeks of February 1, starting in the calendar year following your account open date.
• Free first and second checked bags--a savings of up to $440 per roundtrip (terms apply)
• Receive a $200 United^® travel credit and 10,000-mile award flight discount on each account anniversary
• NEW! Save 10% or more when booking flights with miles. Premier members save even more.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

Terms Apply / Rates & Fees

United Gateway℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Apply Now(at Chase's secure site)

United Gateway℠ Card

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Welcome Offer

Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

Up to 40,000 miles

UP's Offer Valuation*:

$360

Annual Fee

$0

APR

0% Intro APR on Purchases for 12 months; after that, 19.74% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The United Gateway℠ Card is a great option for those looking to earn more United miles without wanting to pay a credit card annual fee. Plus, the card offers other solid benefits like a 25% back on United inflight purchases, purchase protection, and rental car insurance.

Pros & Cons

Pros

• 5x total miles per $1 on United flights
• 2x miles per $1 on other United purchases
• 2x miles per $1 at gas stations and on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit

Cons

• If you are a frequent United flyer, other cards offer more perks
• It does not earn transferable rewards

Read Full Review

Card Highlights

• Earn up to 40,000 bonus miles
• 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
• 5x total miles on eligible United flights and 2x miles on all other eligible United^® purchases
• 2x miles at gas stations, on local transit and commuting
• 1x mile on all other purchases
• 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 Gateway Card
• Earn 2 checked bags after you spend $10,000 in a calendar year
• NEW! Save 10% or more on flights booked with miles after spending $10,000 in a calendar year
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR on Purchases for 12 months; after that, 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

LIMITED TIME OFFER

United Club℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Club Business card is a great option for frequent United flyers looking for United Club access.

United Club℠ Business Card

The United Club Business card is a great option for frequent United flyers looking for United Club access.

Welcome Offer

Earn up to 110,000 bonus miles and 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months your account is open.

Up to 110,000 miles + 2,000 PQP

UP's Offer Valuation*:

$1,320

Annual Fee

$695

APR

19.74% to 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

The United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.

From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.

Pros & Cons

Pros

• At least 8x total miles on eligible United flights
• 2x miles per $1 spent on other United purchases
• 1.5x miles per $1 spent on all other purchases

Cons

• $695 annual fee
• Earning rate for United purchases is poor compared to other United cards

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Card Highlights

• Earn 100,000 bonus miles and 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months your account is open. Plus, 10,000 bonus miles when you add an employee card in the first 3 months your account is open.
• Earn 8x total miles on eligible United flights
• Earn 2x miles on other United purchases
• Earn 1.5x miles on all other purchases
• Earn 5x miles on stays purchased through Renowned Hotels and Resorts for United^® Cardmembers
• Employee cards at no additional cost
• United Club℠ membership included – at least a $750 value per year – with the ability to unlock United Club All Access Membership
• Earn 2 global Economy Plus^® seat upgrades each year
• Free first and second checked bags for you and a companion, save up to $320 per round-trip
• Up to $50 in credits on United FareLock purchases annually
• Up to $200 in credits on Renowned Hotels and Resorts for United^® Cardmembers annually
• Up to $150 in credits on rideshare purchases annually
• Up to $100 in United travel credits on Avis or Budget purchases annually
• Up to $200 in credits on JSX purchases annually
• 25% back on United inflight purchases
• No foreign transaction fees
• Complimentary Instacart+ Membership (terms apply)
• Up to $240 in Instacart credits annually (terms apply)

Financial Snapshot

• APR: 19.74% to 28.24% Variable
• Foreign Transaction Fees: $0

These United-branded credit cards include complimentary travel accident insurance up to $500,000.

Chase Coverage Details and Conditions

Who Is Covered on Chase-Issued Credit Cards?

The primary cardholder, additional cardholder, and immediate family members are covered for Chase travel accident insurance.

Immediate family is defined as you (the cardholder), your spouse or domestic partner, you or your domestic partner’s children, including adopted children or stepchildren. Additionally, legal guardians or wards, siblings or siblings-in-law, parents or parents-in-law, grandparents, grandchildren, aunts, uncles, nieces, and nephews are covered.

Conditions for Coverage on Chase Cards

• Pay for the common carrier fare in full or in part with your eligible Chase card.
• One of the following:
  • The accident occurs while riding as a passenger, boarding, exiting, or being struck by a common carrier on a covered trip.
  • The accident occurs at the airport, terminal, or station at the beginning or end of the common carrier-covered trip.

Bottom Line: Many Chase credit cards offer travel accident insurance, and because the definition of covered persons is so broad, benefits are provided to even extended family members.

Additional Credit Cards With Travel Accident Insurance

There are several other travel rewards cards that offer varying degrees of travel accident insurance.

Capital One-issued rewards cards: All of Capital One’s Visa Signature and Mastercard Rewards cards come with travel accident insurance. Charge your entire travel fare to your card and receive up to $250,000 in benefits. You can read about our recommended Capital One Cards here.

Visa Infinite credit cards: Cardholders and dependents are covered when the common carrier ticket is purchased with the eligible card. Coverage is provided up to $500,000 for accidental death or dismemberment.

Wells Fargo Visa Signature cards: They pay up to $1 million when your common carrier ticket is paid for in full with your card.

Note that since many credit cards offer travel accident insurance, this list highlights only some of the most popular cards and does not provide an exhaustive list. Access your specific card’s guide to benefits or call the number on the back of your card to determine if you have coverage and the limits of that coverage.

How To File a Claim

Filing a claim for accidental death or severe injury is straightforward, regardless of the issuing credit card institution. The first step is to contact the benefits administrator as soon as possible after the accident, ideally within 30 days, by calling the phone number on the back of your card.

You could be asked to submit any of the following for documentation:

• Completed and signed claim form
• Proof of payment method for a common carrier ticket
• Explanation of loss
• Death certificate, if applicable
• Medical records, if applicable

Bottom Line: Regardless of the credit card issuer, submit your claim on a timely basis and confirm that all the required documentation has been received by the benefits administrator to avoid any chance that your claim may be delayed or denied because of a lack of information. 

Other Useful Travel Protections and Benefits

Travel accident insurance is just one of the travel protections offered complimentary on travel rewards credit cards. Look for these additional travel benefits when selecting a travel rewards card.

• Car rental collision damage waiver insurance: One of the most valuable travel benefits you can have is primary rental car insurance. Learn which cards are best for car rental insurance.
• Trip cancellation and trip interruption coverage: When your trip is canceled or delayed, you’re likely to incur unplanned expenses. Trip cancellation and interruption coverage reimburses you for covered events that cause you to cancel your trip or disrupt it while it is in progress.
• Trip delay reimbursement: If your flight is delayed a specified number of hours, usually 12 hours or more, a benefit is paid to reimburse you for expenses such as lodging, transportation, meals, and necessary personal items
• Lost, damaged, or delayed luggage insurance: Chances are you’ll get paid by the airline if your baggage is lost, damaged, or delayed. This coverage will pay for eligible incidents in which your out-of-pocket costs exceed what the common carrier covers.
• Travel and emergency assistance services: Help is just a phone call away, day or night, if something goes wrong during your travels. Get help finding an English-speaking medical provider, legal services, or assistance replacing a lost passport.
• Emergency evacuation insurance: A few travel rewards cards, such as the Platinum Card^® from American Express, the Chase Sapphire Preferred card, and the Chase Sapphire Reserve card, offer emergency evacuation transportation.
• Emergency medical coverage: The Amex Platinum card, Chase Sapphire Preferred card, and Chase Sapphire Reserve card all offer limited reimbursement coverage for medical emergency expenses.
• Roadside dispatch: Premium travel rewards cards, such as the Amex Platinum card, come with complimentary roadside assistance. Other cards charge a flat discounted fee per service call. Roadside dispatch is handy coverage to have on your card in case you break down on the road.

Bottom Line: Finding a card that offers a package of complimentary travel protections and benefits you can use brings extra value, saving you money and providing peace of mind during your travels.

Final Thoughts

No one likes to think about having a severe accident while traveling. Chances are, you’ll never have to worry about using the travel accident insurance that comes with your card. However, just knowing it exists is enough.

Always compare the coverage that comes with your card with a comprehensive travel insurance policy to determine if the complimentary coverage is adequate for your trip. If not, you can easily and inexpensively supplement the complimentary coverage.

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