The Best Credit Cards for Travel Insurance Coverage [August 2026]

The Best Personal Cards (Top Picks)

1. Chase Sapphire Preferred^® Card (Best Overall Card, Best Card With Annual Fee Under $100)

BEST FIRST TRAVEL CARD

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 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 points

UP's Offer Valuation*:

$1,500

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 75,000 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 TravelSM, 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, Emergency Evacuation and Transportation 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 12 months 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

Chase is a major credit card issuer known for offering a strong selection of travel insurance benefits on its cards. As one of our top recommended cards, the Chase Sapphire Preferred card comes with a long list of valuable benefits, including several travel insurance coverages.

Here are the major travel insurance coverages and protections you get with this card:

• Automobile rental collision damage waiver: Reserve and pay for your rental car with your card, decline the rental car agency’s collision damage waiver (CDW) or loss damage waiver (LDW), and receive primary car rental insurance coverage for damage or theft.
• Trip cancellation and trip interruption insurance: Purchase your trip with your card or rewards earned on your card and receive up to $10,000 per person, $20,000 per occurrence, up to a maximum of $40,000 within a 12-month period, when a covered event disrupts your trip.
• Trip delay reimbursement: If your trip is delayed for a covered reason for 12 hours or more or overnight, you could receive reimbursement for up to $100 per day for necessary incidentals for up to 5 days.
• Lost luggage reimbursement: Receive up to $3,000 per covered person per trip for checked and carry-on baggage that is lost, stolen, or damaged.
• Baggage delay: If your baggage is delayed 6 hours or more, you could receive reimbursement of up to $100 per day for 5 days for incidentals.
• Travel accident insurance: Should accidental death or dismemberment occur involving a common carrier and you purchased the trip with your card, you could receive up to $500,000 for common carrier travel accident insurance and up to $100,000 for 24-hour travel accident insurance.
• Roadside dispatch: Pay a set prenegotiated fee per service call to receive towing, tire changing, fuel, jump-starting, lockout service, and more.
• Travel and emergency assistance services: Receive assistance when traveling away from home with message relays, referral services for legal and medical assistance, emergency transportation, and more. Cardholders are responsible for the cost of actual services.
• Emergency evacuation and transportation: Should you or a covered traveler fall ill or suffer an injury when 100 miles or more from home that requires emergency evacuation, you could be covered for medical services and transportation up to $100,000.

In addition to having a fine selection of travel benefits, the Chase Sapphire Preferred card stays at the top of our list for many reasons.

• 5x points on Lyft (through September 30, 2027)
• 5x points on travel purchased through Chase Travel
• 3x points on dining, some streaming services, online groceries, gas and EV charging, and vacation home rentals
• 2x points on other travel
• $100 annual Chase Travel hotel credit
• Up to $120 Global Entry, TSA PreCheck, or NEXUS application fee credit every 4 years
• Redeem Ultimate Rewards points earned on the card for up to 1.75 cents each for certain travel via the Chase travel portal or transfer to airline and hotel partners for even greater potential value.
• Purchase protection and extended warranty
• No foreign transaction fees

2. Chase Sapphire Reserve^® (Best for Premium Travel Insurance)

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

Want a premium travel rewards card delivering a collection of travel benefits that’s difficult to beat? The Chase Sapphire Reserve card might be a fit.

Here’s a sample of the premium travel insurance benefits you can expect on the card:

• Automobile rental collision damage waiver: Pay for your rental car bill entirely with your card, decline the rental car agency’s CDW or LDW coverage, and receive primary car rental coverage for damage or theft.
• Trip cancellation and interruption insurance: As one of the most valuable travel insurance coverages, trip cancellation and interruption insurance pays up to $10,000 per occurrence. Limits cap out at $20,000 per incident and $40,000 within a 12-month period.
• Trip delay reimbursement: If your trip is delayed for a covered reason for 6 hours or more or overnight, you could receive reimbursement for up to $100 per day for necessary incidentals for up to 5 days.
• Lost luggage reimbursement: If your checked or carry-on luggage is lost, stolen, or damaged, you could receive up to $3,000 per person per trip.
• Baggage delay: If your baggage is delayed 6 hours or more, you could receive up to $100 per day in reimbursements for incidentals for up to 5 days.
• Medical evacuation insurance: If you or an eligible family member become ill or injured when traveling, you could receive emergency transport coverage of up to $100,000.
• Emergency medical and dental benefit: Receive up to $2,500 for emergency treatment should you or an eligible family member become ill or injured when traveling 100 miles or more from home.
• Travel accident insurance: Pay for your trip with your card and receive up to $1 million should accidental death or dismemberment occur.
• Roadside assistance: Receive up to 4 $50 service calls each year at no cost should your vehicle break down when away from home.
• Travel and emergency assistance services: Make 1 phone call and receive medical or legal referrals, assistance with emergency transportation, and more.

Though the Chase Sapphire Reserve card comes with a higher annual fee, it could earn its place in your wallet if you spend a lot on travel, value its worldwide lounge access, and use the $300 travel statement credit.

See what we value with the Chase Sapphire Reserve card outside of the travel insurance perks:

• Priority Pass Select membership upon activation, with access to more than 1,300 lounge and lounge-alternative properties worldwide
• $300 statement credit for travel purchases each card anniversary year
• Up to $500 annually in credits for stays with The Edit
• Global Entry, NEXUS, or TSA PreCheck application fee reimbursement as a statement credit
• 8x points on all purchases through Chase Travel
• 5x points on Lyft rides and up to $120 in in-app credits each year (through September 30, 2027)
• 4x points on airfare and hotels booked direct
• 3x points on dining worldwide
• Up to $300 annually in dining credits
• Up to $250 in statement credits for certain prepaid hotel stays booked through Chase Travel (through December 31, 2026)
• Car rental status privileges with National and Avis
• IHG One Rewards Platinum Elite status upon activation (through December 31, 2027)
• No foreign transaction fees

3. Platinum Card^® from American Express (Best Amex Card for Travel Insurance)

BEST LOUNGE CARD

Terms Apply / Rates & Fees

Platinum Card^® from American Express

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

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

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

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.

As High as 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

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

When it comes to cards that offer top-notch benefits, the Platinum Card^® from American Express is a top choice.

The card offers premium perks like best-in-class airport lounge access, hotel elite status, and several annual card credits. The Amex Platinum card is easily worth the annual fee for frequent travelers who use the lounges and travel credits, and hard to justify for those who won’t.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far): Get access to over 1,550 worldwide lounges, including Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5 points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5 points per $1 spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates & fees)
• Airline credit does not cover airfare (only incidentals like checked bags).

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card^® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card^® to your Resy profile to book your reservation.
• $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in, when available, and guaranteed 4pm late check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card^®. *Up to $12.95 plus applicable taxes on one membership fee.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

We like the Amex Platinum card because it earns valuable Membership Rewards points, offers flexible redemption options, and comes with plenty of statement credits for specific purchases.

When it comes to travel insurance benefits and protections, the Amex Platinum card is also a winner. Note that terms may apply and enrollment may be required, so make sure you check your American Express account to ensure you’re enrolled in your benefits!

Here’s what you can expect from the Amex Platinum card in the way of travel insurance benefits:

• Trip cancellation and trip interruption insurance: Receive up to $10,000 per covered trip, to a maximum of $20,000 within a 12-month period, should your trip be disrupted for a covered event.
• Trip delay program: If a trip you paid for with your card is delayed 6 hours or more, you could receive up to $500 per trip, to a limit of 2 claims per 12-month period, for necessary incidentals.
• Car rental loss and damage insurance: The card comes with secondary car rental insurance, which means you must file a claim with your own insurance first. However, cardholders can purchase Amex premium car rental protection for a single fee of $12.99 to $24.99 that covers the entire rental car period up to 42 consecutive days.
• Baggage insurance plan: Use your card to pay for your ticket and receive up to $2,000 for checked baggage and $3,000 for carry-on baggage, with a maximum combined total of $3,000 per person and $10,000 per trip if your bags are lost, damaged, or stolen.
• Premium Global Assist hotline: Receive needed emergency assistance whenever you’re more than 100 miles from home. The coverage also includes emergency medical evacuation for the cardholder and qualifying family members with no specified dollar limit.

In addition to useful travel insurance benefits, the frequent traveler receives higher earnings on flights and prepaid hotels, travel-related and shopping benefits, flexible redemption choices, and statement credits for some purchases. Note that some benefits require enrollment through your American Express account.

What we like about the Amex Platinum card:

• You can redeem points for 1 cent each for flights via AmexTravel.com.
• You can transfer Membership Rewards points to airline and hotel partners for potentially greater value.
• Hilton Honors, Marriott Bonvoy, and Leaders Club elite status upon enrollment
• Hertz, National, and Avis car rental perks and benefits
• Worldwide airport lounge access to over 1,550 properties, including the Centurion lounge network
• Elite benefits at American Express Fine Hotels + Resorts and The Hotel Collection
• Statement credits (some of which require prior enrollment) like:
  • Global Entry or TSA PreCheck application fee
  • Up to $400 in Resy credits every year
  • Up to $300 in lululemon credits every year
  • Up to $300 in digital entertainment credits every year
  • Up to $300 in Equinox credits every year
  • Up to $200 in airline incidental fee credits every year
  • Up to $200 in Oura Ring credits every year
  • Up to $219 in CLEAR+ credits every year
• Purchase protection, return protection, cell phone protection, and extended warranty

4. Capital One Venture X Rewards Credit Card (Best Capital One Card for Travel Insurance)

Terms Apply / Rates & Fees

Capital One Venture X Rewards 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 Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Apply Now(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (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.

Excellent

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• 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
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• 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
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture X card is Capital One’s ultrapremium personal credit card. This card has a lot of benefits and features going for it, but it’s particularly noteworthy when it comes to travel protections:

• Automobile rental collision damage waiver: Count on built-in automobile rental coverage. Save money by saying no at the counter: Rent with your covered Visa Infinite card and get built-in automobile rental coverage.
• Trip cancellation and interruption: Add peace of mind to your itinerary when you book your travel with your Capital One Venture X card.
• Trip delay reimbursement: Anticipate delays when you purchase air travel with your covered Visa Infinite card, with trip delay coverage of up to $500 when you’re stuck for more than 6 hours or require an overnight stay.
• Baggage delay reimbursement: Your bags are covered against common carrier-caused loss or theft with lost luggage reimbursement.

The Capital One Venture X card has other noteworthy benefits and rewards that can help level up your travel:

• 10x miles on hotels and rental cars booked through Capital One Travel
• 5x miles on flights and vacation rentals booked through Capital One Travel
• 2x miles on other purchases
• 10,000-mile anniversary bonus after every renewal year
• $300 annual Capital One Travel credit
• Global Entry or TSA PreCheck application fee statement credit
• Hertz President’s Circle status
• Cell phone protection, return protection, extended warranty protection, and no foreign transaction fees (rates & fees)

5. Citi Strata Elite℠ Card (Best Citi Card for Travel Insurance)

Terms Apply / Rates & Fees

Citi Strata Elite℠ 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 Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Apply Now(at our partner's secure site)

Citi Strata Elite℠ Card

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Welcome Offer

Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.

75,000 Points

UP's Offer Valuation*:

Up to $1,200

Annual Fee

$595

APR

20.49% to 28.49% Variable

Why We Like This Card

The Citi Strata Elite card is a great option for frequent travelers, foodies, and those who are fans of the Citi ThankYou Rewards ecosystem thanks to its combination of bonus categories, perks, and annual credits.

Pros & Cons

Pros

• 12x points on hotels, rental cars, and attractions booked through Citi Travel
• 6x points on airfare through Citi Travel
• 6x points on dining on Citi Nights (Friday and Saturday nights from 6 p.m. to 6 a.m.) and 3x points on dining at all other times

Cons

• $595 annual fee
• Boosted dining rewards are limited to 2 nights per week

Read Full Review

Card Highlights

• Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
• Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
• Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
• Earn 1.5 Points per $1 spent on All Other Purchases
• Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
• No Foreign Transaction Fees

Financial Snapshot

• APR: 20.49% to 28.49% Variable
• Foreign Transaction Fees: None

The Citi Strata Elite card (rates & fees) has the following travel insurance coverages:

• Trip cancellation and trip interruption: Receive coverage to reimburse nonrefundable expenses if you have to cancel or interrupt your flight for a covered reason (limited to $5,000 per covered trip and $10,000 per 12-month period).
• Trip delay: When experiencing a delay of more than 6 hours, receive reimbursement of up to $500 per covered trip (2 claims per 12-month period) for expenses.
• Lost or damaged luggage: If your bag is lost or damaged when traveling on a covered trip, you could receive up to $5,000 per trip (limit 2 claims per 12-month period).
• MasterRental Coverage for car rentals: Coverage is secondary in the renter’s country of residence and primary when in a foreign country.

Additionally, the card earns ThankYou Points across a variety of bonus categories.

Earn 12x points on hotels, car rentals, and attractions booked through Citi Travel, and 6x points on flights booked through Citi Travel. Fans of dining out will appreciate earning 6x points on restaurant purchases, including delivery services, available every Friday and Saturday from 6 p.m. to 6 a.m. Eastern time (Citi Nights). Any dining or restaurant delivery services outside of those days and times earn 3x points. All other purchases earn 1.5x points.

Cardholders also have Priority Pass lounge access and 4 American Airlines Admirals Club passes annually, an annual hotel credit of up to $300, an annual Splurge Credit of up to $200, a Blacklane credit of up to $200, and more.

6. Citi Strata Premier^® Card (Great Midtier Citi Card for Travel Insurance)

Terms Apply / Rates & Fees

Citi Strata Premier^® 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.

Apply Now(at our partner's secure site)

Citi Strata Premier^® Card

Welcome Offer

Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

60,000 Points

UP's Offer Valuation*:

$960

Annual Fee

$95

APR

19.49% to 27.49% Variable

Why We Like This Card

The Citi Strata Premier^® Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
• Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Financial Snapshot

• APR: 19.49% to 27.49% Variable
• Foreign Transaction Fees: None

The Citi Strata Premier card (rates & fees) has the following travel insurance coverages:

• Trip cancellation and trip interruption: Receive coverage to reimburse nonrefundable expenses if you have to cancel or interrupt your flight for a covered reason (limited to $5,000 per covered trip and $10,000 per 12-month period).
• Trip delay: When experiencing a delay of more than 6 hours, receive reimbursement of up to $500 per covered trip (2 claims per 12-month period) for expenses.
• Lost or damaged luggage: If your bag is lost or damaged when traveling on a covered trip, you could receive up to $3,000 per trip (limit 2 claims per 12-month period).
• MasterRental Coverage for car rentals: Coverage is secondary in the renter’s country of residence and primary when in a foreign country.

The Citi Strata Premier card (rates & fees) offers an easy path to earning Citi ThankYou Points for those who spend significant amounts on food and travel.

This card earns 10x points on hotels, car rentals, and attractions booked through CitiTravel.com, 3x ThankYou Points on dining, air travel, hotels, supermarkets, gas, and EV charging stations, and 1x points everywhere else.

It also comes with a $100 annual hotel savings benefit for a single hotel stay of $500 or more (excluding taxes and fees) booked through Citi Travel, once per calendar year.

7. Delta SkyMiles^® Gold American Express Card (Best Delta Card for Travel Insurance)

Terms Apply / Rates & Fees

Delta SkyMiles^® Gold American Express 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.

This card provides bonus SkyMiles on all purchases, along with free checked bags, priority boarding, and discounted award flights.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Delta SkyMiles^® Gold American Express Card

This card provides bonus SkyMiles on all purchases, along with free checked bags, priority boarding, and discounted award flights.

Welcome Offer

You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.

As High As 80,000 Miles. Find Out Your Offer.

UP's Offer Valuation*:

Up to $960

Annual Fee

$0 introductory annual fee for the first year, then $150.

APR

19.49%-28.49% 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

Frequent Delta flyers will love the Delta SkyMiles^® Gold American Express Card. The card offers great benefits that will help save you money, effectively mimics low-level elite status with Delta SkyMiles, and helps you earn miles even faster, all for a low annual fee. Let’s dive into the benefits to see if the Delta Gold card is a good fit for your needs.

Pros & Cons

Pros

• $100 Delta Stays Credit: You can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
• Receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
• Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.

Cons

• Moderate annual fee
• Earn rate for Delta flights is relatively low compared to other travel cards

Read Full Review

Card Highlights

• You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Enjoy a $0 introductory annual fee for the first year, then $150.
• Delta SkyMiles^® Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
• $120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after your first Card renewal when you use your Delta SkyMiles^® Gold American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
• When you use your Delta SkyMiles^® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
• Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles^® Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• Send money, split purchases, and focus on the moments that matter – with Send & Split^®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
• Terms Apply.

Financial Snapshot

• APR: 19.49%-28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Delta SkyMiles Frequent Flyer Program

If you’re a frequent Delta flyer, the Delta Gold card can make a lot of sense, as it comes with limited travel insurance and an outstanding suite of Delta benefits and perks, all for a reasonable annual fee.

• Baggage insurance plan: When you pay for your fare with your Delta Gold card, you’re covered for up to $1,250 for carry-on baggage and up to $500 for checked baggage in excess of the common carrier’s coverage. As always, be sure to read the fine print on the coverage to understand what is covered.
• Car rental loss and damage insurance: You can be covered for damage to or theft of a rental vehicle if you pay with your Delta Gold card. Keep in mind, though, that this coverage is secondary to any other insurance you might have (like your personal car insurance).

In addition to these travel insurance benefits, you get the first checked bag free for you and up to 8 travel companions on Delta flights (plus a second free checked bag for the cardholder), Zone 5 priority boarding for you and up to 8 travel companions, and a 20% statement credit for any inflight purchases you make with your card.

When you spend with your card, you earn 2x Delta SkyMiles on Delta purchases, restaurants worldwide, and at U.S. supermarkets, and 1x Delta SkyMiles on all other purchases. You can also get a $200 Delta flight credit if you spend $10,000 in a calendar year, and your miles go further, since Delta Gold cardholders get 15% off when using their miles to book travel on Delta flights through delta.com and the Fly Delta app.

Best Business Cards for Travel Insurance

1. Ink Business Preferred^® Credit Card (Best Overall Value)

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

The Ink Business Preferred card comes with the same travel benefits and protections as the Chase Sapphire Preferred card, with these exceptions:

• Trip cancellation and trip interruption: The limit for these coverages on the Ink Business Preferred card is $5,000 per person and up to $10,000 per trip.
• Cell phone protection: Pay your cell phone bill with your card and receive $1,000 in cell phone protection with a $100 deductible.

You can also expect these benefits:

• 3x earnings on travel, internet service, cable, phone, advertising on social media or search engines, and shipping (up to $150,000 in purchases each card anniversary year)
• 5x earnings on Lyft purchases through September 30, 2027
• Redeem points for up to 1.75 cents each via the Chase travel portal or transfer to airline or hotel partners for potentially greater value.
• Visa Signature Luxury Hotel Collection benefits
• Purchase protection, extended warranty, and no foreign transaction fees

2. The Business Platinum^® Card from American Express (Best Premium Card)

NEW OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

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.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 300,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $6,600

Annual Fee

$895

APR

17.74% - 28.49% 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 Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
• See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card^® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• Terms Apply.

Financial Snapshot

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

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer as high as 300,000 points with the Amex Business Platinum card. Find out your offer. Terms Apply.

The Amex Business Platinum card offers the same travel insurance benefits as the personal version.

Its other features and benefits differ. As with the personal card, terms may apply, and enrollment may be required to receive the stated benefits, so verify your enrollment in your American Express account.

Also, you get these benefits:

• Redeem Membership Rewards points for 1 cent each for flights via AmexTravel.com or transfer to airline and hotel partners for potentially greater value.
• 35% rebate on airfare paid for with points on your airline of choice (up to 1 million points rebated per year)
• Global Entry or TSA PreCheck fee statement credit
• Worldwide airport lounge access to over 1,550 properties, including Centurion Lounges
• Elite benefits at American Express Fine Hotels + Resorts and The Hotel Collection and up to $600 in statement credits each year (up to $300 semiannually) on eligible prepaid stays booked with AmexTravel.com (The Hotel Collection requires a 2-night minimum stay.)
• National, Avis, and Hertz car rental elite status and perks
• Up to $360 statement credit for U.S. Indeed purchases
• Up to $120 in U.S. wireless phone statement credits
• Up to $200 airline incidental fee credit
• Up to $300 in statement credits for U.S. ChatGPT Business subscription purchases (subscription is subject to auto-renewal)
• Up to $1,200 in statement credits for flights booked online at AmexTravel.com (unlocked with $250,000 spending on the card in a calendar year to use the following year)
• Up to $2,400 in statement credits for American Express One AP monthly fees (unlocked with $250,000 spending on the card in a calendar year to use the following year)

3. Sapphire Reserve for Business℠ (Best for Travel Insurance and Other Travel Perks)

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 Chase Sapphire Reserve Business card offers all the same travel protections as the personal Chase Sapphire Reserve card, including trip cancellation and trip interruption insurance, primary car rental insurance, and more.

You also get other travel perks, such as:

• Hotel status: Complimentary IHG One Rewards Platinum Elite status (through December 31, 2027)
• Lounge access: Chase Sapphire Lounge by The Club and over 1,300 Priority Pass airport lounges (with 2 guests)
• Travel Credit: Get a $300 credit annually for any travel purchases.
• Airline and hotel benefits: If you spend $120,000 in a year, you get IHG One Rewards Diamond Elite Status, Southwest Rapid Rewards A-List Status, and up to $500 in statement credits for Southwest Airlines flights booked through Chase Travel.
• Car rental elite status and perks: Get discounts and status with Avis, Hertz, and National.
• Credit for stays with The Edit: Get $250 twice per year toward stays with The Edit (2-night minimum).
• Global Entry, TSA PreCheck, or NEXUS fee credit: Get up to $120 every 4 years.
• Hotel statement credit: Get up to $250 in statement credits through December 31, 2026, on prepaid Chase Travel hotel bookings for stays with IHG Hotels & Resorts, Montage Hotels & Resorts, Pendry Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Minor Hotels, and Pan Pacific Hotels and Resorts.

The card also offers a variety of benefits ideal for business owners, like statement credits for Lyft, ZipRecruiter, Google Workspace, and more. Plus, the card has no foreign transaction fees, and employee cards get the same travel protections.

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.

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