Whether you are traveling for work or have simply caught the travel bug, these are the best credit cards for travel insurance before you embark on your voyage. While comparing credit cards, consider our expert picks for the best airline credit cards, the best credit cards for travel, and the best international travel credit cards. Chase also offers a few extra perks, like Pay Yourself Back, where you can redeem your points for 50% more when you trade them in for statement credits and use them for rotating categories. At the end of each year, Chase gives you an annual travel credit of up to $300. There are no foreign transaction fees, but many other fees with a $550 annual fee that is typical of American Express but not so much with other credit cards. Pros:
Competitive rewards rateGenerous introductory offerLuxury travel benefits
Cons:
High feesExcellent credit recommended
You can also earn 5x the travel points when you book through Chase Ultimate Rewards. Dining rewards earn you 3x the dining points, including takeout and delivery purchases. You also earn 3x the points on your online grocery purchases, but this excludes certain popular retailers, such as Walmart, Target, and wholesale clubs like Costco. There are 3x the points on certain streaming services, 2x points on your other travel purchases, and one point per dollar on all of your other purchases. At the end of the year, Chase gives you a special reward in the form of 10% back on your total annual purchases in bonus points. Pros:
Higher rewards for dining and travelIntroductory offer Access to travel partners
Cons:
Annual feeMust book through Chase for the best travel rewards
Chase also rewards you for purchases in certain categories, like shipping, advertising, travel, internet and phone, with 3x the points on your purchases each year. From there, you earn unlimited 1x per dollar spent. There is no expiration date, either, so you can take your time redeeming them as long as you have the card. Pros:
Introductory bonus Travel and business rewardsNo foreign transaction fee
Cons:
No introductory APR offerAnnual fee applies
There is an up to $200 airline fee statement credit, plus $189 back on your CLEAR® membership annually. Beyond your travel benefits, American Express gives you up to $300 statement credit for Equinox fitness and up to $100 when you shop at Saks Fifth Avenue. Other rewards include a $155 Walmart+ credit, a $200 Uber Cash credit with a $20 annual bonus, and up to a $240 Digital Entertainment Credit toward entertainment services like Audible, Disney+, and Hulu. Pros:
Impressive selection of benefitsTravel perksBuilt-in elite status
Cons:
Very high annual feeExcellent credit recommended
Travel benefits: Many credit card companies such as Chase and American Express offer special travel insurance to secure your trip against unplanned cancellations. APR: Your APR determines how much you spend in interest, so we look for credit cards with low interest to help save you and your family money. Fees: Many credit cards also charge fees, such as foreign transaction fees, annual fees, and balance transfer fees. Be sure to review the fee schedule in-depth to ensure that you have the right card for you. Introductory offer: Credit cards tend to entice new cardholders with special offers, like bonus points or cash back on your purchases.
Before you commit to a new credit card, we recommend that you carefully review the terms and conditions to ensure that your chosen credit card is the best for you.
Capital One Venture X Rewards Credit Card: A great card for everyday useDelta SkyMiles® Reserve American Express Card: Preferred by Delta loyalists
