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The Best Credit Cards with Travel Insurance (2026)
July 1, 2025
Travel insurance is a crucial feature for frequent travelers, offering peace of mind and financial protection against unexpected events like trip cancellations, medical emergencies, and lost luggage. By choosing and using a credit card with strong travel insurance features, you're taking a simple yet effective step to protect yourself financially against common travel setbacks. This strategy can save you money and hassle in the long run. Here are the credit cards that stand out for their comprehensive travel insurance benefits in 2025.
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Best For: Extensive Travel Benefits
The Chase Sapphire Preferred® Card stands out as an excellent choice for those new to travel rewards credit cards. It is highly regarded for its travel rewards and insurance benefits, offering robust protection for travelers
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The Chase Sapphire Preferred is an excellent choice for travelers looking for comprehensive travel insurance benefits and a solid rewards program, all for a reasonable annual fee of $95 per year.
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Best For: Premium Travel Perks
American Express Platinum Card® cardholders also enjoy extensive airport lounge access through the Global Lounge Collection with over 1,550 lounges worldwide - more than any other credit card company - including Centurion Lounges, 10 complimentary Delta Sky Club visits when flying on eligible Delta flights, Priority Pass Select membership, and other select partner lounges, plus over $2,000 in annual statement credits for travel, dining, and lifestyle purchases.
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Best For: Travel Insurance
The Capital One Venture X Rewards Credit Card is a premium travel rewards card that offers an array of travel insurance benefits that provide peace of mind.
These protections, combined with its generous rewards structure and additional travel perks, make the Capital One Venture X a top-tier travel rewards card.
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Best For: Travel and Dining Rewards
The Chase Sapphire Reserve® continues to be a favorite among travelers due to its extensive travel insurance benefits. These benefits, combined with the card's premium travel rewards and perks, make it a top choice for travelers looking for robust insurance coverage.
[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Best for Travel and Dining Rewards", "headerHint": "Complete Travel Security"} ]]
Best For: Small Businesses
The Ink Business Preferred® Credit Card from Chase is a top choice for business owners who travel frequently, offering valuable travel protections.
All information about the Ink Business Preferred® Credit Card has been collected independently by Kudos. Ink Business Preferred® Credit Card is no longer available through joinkudos.com.
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Best For: United Loyalists
For those who frequently fly with United Airlines, The New United Club℠ Card offers strong travel insurance benefits. Additionally, cardholders enjoy a United Club membership, free checked bags, and priority boarding.
[[ SINGLE_CARD * {"id": "2410", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Best for United Loyalists", "headerHint": "Travel Protection and Lounge Access"} ]]
Comparing the Best Credit Cards With Travel Insurance
When comparing travel protections among the Chase Sapphire Preferred, Platinum American Express, and Capital One Venture X, distinct differences emerge.
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Conclusion
Selecting a credit card with strong travel insurance benefits can save you from significant financial losses and provide peace of mind during your travels. The cards listed above offer some of the best travel insurance coverage in 2025, making them excellent choices for anyone looking to enhance their travel protection. When choosing a card, consider your travel habits, the type of coverage you need, and the overall value of the card's rewards and perks.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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