The best travel credit cards with trip delay insurance can get you up to $500 in reimbursement when your flight is delayed

By November 23, 2021DeFi
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Table of Contents

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  • The best travel credit cards with trip delay insurance
  • Best card for all-around travel protection: Chase Sapphire Reserve®
  • Best Capital One card for all-around travel protection: Capital One Venture X Rewards Credit Card
  • Best beginner card for travel protection: Chase Sapphire Preferred® Card
  • Best Hyatt card for travel protection: The World Of Hyatt Credit Card
  • Best United card for travel protection with a low annual fee: United℠ Explorer Card
  • Best Amex card for all-around travel protection: The Platinum Card® from American Express
  • Best Marriott card for travel protection: Marriott Bonvoy Brilliant™ American Express® Card
  • Best Hilton card for travel protection: Hilton Honors American Express Aspire Card
  • Best no-annual-fee card for travel protection: Marriott Bonvoy Bold® Credit Card
  • How we chose the best credit cards for trip delay insurance
  • Frequently asked questions (FAQs)
  • The best travel credit cards with trip delay insurance

    The travel industry is intrinsically unpredictable. From inclement weather to mechanical issues to absent crew members, there are many reasons why your trip may not commence at its scheduled time of departure. That's when your credit card's trip delay insurance comes in handy.

    Trip delay insurance covers you (and often family members traveling with you) for expenses like meals, transportation, lodging, medication, and toiletries. For example, if your flight is delayed by more than six hours, some travel credit cards will reimburse you up to $500 in "reasonable expenses" such as:

    • An Uber from the airport to a hotel
    • A one-night hotel reservation
    • Dinner at a nearby restaurant

    I've (unfortunately) used this benefit a handful of times, and it's saved me hundreds. Just note that you must use your qualifying card to pay for your fare — even if that means simply paying taxes and fees on an award flight.

    Read more: Guide to the best airline credit cards

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    Trip delay insurance applies to more than just flights. You're eligible for coverage whenever you book a "common carrier" — defined as "any land, water, or air conveyance that operates under a valid license to transport passengers for hire and requires purchasing a ticket before travel begins." As long as it's not a taxi, limo, commuter rail, bus, or rental car, you're likely covered.

    Below are the best travel credit cards for trip delay insurance. Even if you don't travel regularly, you should be using one of these cards to reserve your travel, because trip delay insurance will come in handy sooner or later.

    Best card for all-around travel protection: Chase Sapphire Reserve

    Chase Sapphire Reserve®

    Apply Now

    Annual Fee

    $550

    Regular APR

    16.99%-23.99% Variable

    Credit Score

    A tooltip

    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

    Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.65 out of 5 Stars

    Editor's Rating

    A tooltip

    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.

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    Annual Fee

    $550

    Regular APR

    16.99%-23.99% Variable

    Credit Score

    A tooltip

    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

    Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.65 out of 5 Stars

    Editor's Rating

    A tooltip

    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.

    Featured Reward

    A tooltip

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

    50,000 points

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  • Pros & Cons
  • Details
  • Pros

    • Annual travel credit can effectively shave $300 off the annual fee if you use it
    • Strong travel insurance
    • Strong bonus rewards on travel and dining

    Cons

    • Very high annual fee
    • The new DoorDash statement credits may not be useful for everyone, which can make the recently increased annual fee harder to justify
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
    • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
    • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓™
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

    Read Our Review A looong arrow, pointing right

    The Chase Sapphire Reserve® is the gold standard of trip delay insurance. After just six hours of delay — or any delay that requires an overnight stay — you're eligible for up to $500 in covered expenses per ticket. You and those traveling with you (a spouse and dependent children under 22) are covered.

    The Chase Sapphire Reserve® comes with a $550 annual fee. Still, it's a favorite among the travel community for its well-rounded offerings of top-tier travel coverages such as baggage delay insurance and primary car rental insurance. The card also provides excellent travel benefits, such as:

    • Up to $300 in annual travel statement credits (offsets the first $300 in travel you purchase each year with the card)
    • Airport lounge access (Priority Pass Select and, eventually, Chase lounges)
    • Up to $100 Global Entry or TSA PreCheck application fee credit

    Read more: The Chase Sapphire Reserve card will cover a hotel room, meals and other expenses during a flight delay — here's how to take advantage

    The Chase Sapphire Reserve® currently offers 50,000 points after spending $4,000 on purchases within the first three months of account opening. Insider estimates Chase Ultimate Rewards points value to be 1.8 cents each, on average. That makes this bonus worth around $900 in travel. Read our guide to the best ways to use Chase points.

    Best Capital One card for all-around travel protection: Capital One Venture X Rewards Credit Card

    Capital One Venture X Rewards Credit Card

    Read Our Review

    Annual Fee

    $395

    Regular APR

    16.99% - 23.99% Variable

    Credit Score

    Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.8 out of 5 Stars

    Editor's Rating

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    Annual Fee

    $395

    Regular APR

    16.99% - 23.99% Variable

    Credit Score

    Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.8 out of 5 Stars

    Editor's Rating

    Featured Reward

    100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening

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  • Pros & Cons
  • Details
  • Pros

    • Excellent welcome bonus and miles earning
    • Premium perks including airport lounge access and statement credits
    • Visa Infinite benefits including travel and shopping protections

    Cons

    • High annual fee
    • Annual travel statement credits only apply to Capital One Travel purchases
    • Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel
    • Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year
    • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get our best prices on thousands of 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 booked through Capital One Travel, plus unlimited 2X miles on all other purchases
    • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • 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

    Read Our Review A looong arrow, pointing right

    The Capital One Venture X Rewards Credit Card is Capital One's newest credit card — and its first premium travel credit card. It's a Visa Infinite card (similar to the Chase Sapphire Reserve®), and benefits from extremely generous trip delay insurance***. You'll get up to $500 per ticket in covered expenses after a delay of six hours or more. Those eligible for this insurance are your spouse and dependent children under age 22.

    The Capital One Venture X Rewards Credit Card incurs a $395 annual fee, but comes with benefits like:

    • Primary rental car insurance and baggage delay insurance
    • Up to $300 per year in statement credits toward Capital One Travel bookings
    • 10,000 bonus miles after each account anniversary (worth at least $100)
    • Airport lounge access (Priority Pass Select and Capital One lounges)

    Read more: Capital One Venture X review

    This card currently offers 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening. That's worth at least $1,000 in travel — and much more if you know how to use Capital One transfer partners for fancy airplane seats and luxury hotels.

    Best beginner card for travel protection: Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Apply Now

    Annual Fee

    $95

    Regular APR

    15.99%-22.99% Variable

    Credit Score

    A tooltip

    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.8 out of 5 Stars

    Editor's Rating

    A tooltip

    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Annual Fee

    $95

    Regular APR

    15.99%-22.99% Variable

    Credit Score

    A tooltip

    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.8 out of 5 Stars

    Editor's Rating

    A tooltip

    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.

    Featured Reward

    A tooltip

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

    60,000 points

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  • Pros & Cons
  • Details
  • Pros

    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage

    Cons

    • Doesn't offer a Global Entry/TSA PreCheck application fee credit
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

    Read Our Review A looong arrow, pointing right

    The Chase Sapphire Preferred® Card is the best beginner travel credit card on the market because of its easy-to-use rewards, high-quality travel benefits, and manageable $95 annual fee. The card reimburses you for up to $500 per ticket for reasonable expenses when your flight is delayed by 12 hours or more, or if you're required to stay overnight. Family members are covered — that is, your spouse/domestic partner and any dependent children under age 26.

    You'll also receive perks like:

    • Primary rental car insurance
    • Baggage delay insurance
    • Up to $50 in annual statement credits toward hotel stays booked through Chase
    • 10% anniversary point bonus

    Read more: Chase Sapphire Preferred review

    The Chase Sapphire Preferred® Card comes with 60,000 points after spending $4,000 on purchases within the first three months of account opening. That's worth an average of $1,080 in travel, based on Insider's points and miles valuations.

    Best Hyatt card for travel protection: World of Hyatt Card

    The World Of Hyatt Credit Card

    Learn More

    Annual Fee

    $95

    Regular APR

    15.99% - 22.99% Variable

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.5 out of 5 Stars

    Editor's Rating

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Annual Fee

    $95

    Regular APR

    15.99% - 22.99% Variable

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.5 out of 5 Stars

    Editor's Rating

    Featured Reward

    30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar spent on purchases that normally earn 1 point, up to $15,000 in the first six months of account opening

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  • Pros & Cons
  • Details
  • Pros

    • Valuable annual reward night
    • Hyatt points are valuable, and this card earns 2x points on several bonus categories
    • If you spend a lot on this card, you can earn a second free night

    Cons

    • Not too many extra benefits
    • 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 at Hyatt hotels & 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

    Read Our Review A looong arrow, pointing right

    The World Of Hyatt Credit Card offers the same trip delay insurance you'll find on the Chase Sapphire Preferred® Card. If your travel plans are delayed more than 12 hours or require an overnight stay, you and your family (spouse/domestic partner and dependent children under age 26) can be reimbursed for necessary expenses, such as meals and lodging, up to $500 per ticket.

    The card comes with an annual fee of $95, and also offers:

    • Additional travel coverages (such as car rental insurance and baggage delay insurance)
    • One free night at a Category 1 through 4 Hyatt hotel after each account anniversary (potentially worth hundreds of dollars)
    • Another free night at a Category 1 through 4 Hyatt hotel after spending $15,000 in a calendar year
    • Five elite night credits toward Hyatt elite status — and the ability to earn two additional credits for every $5,000 you spend in a calendar year
    • Automatic Hyatt Discoverist status

    Read more: World of Hyatt Credit Card review

    If you're a Hyatt enthusiast, this is an excellent card to consider. Its current welcome bonus is 30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar spent on purchases that normally earn 1 point, up to $15,000 in the first six months of account opening. 60,000 Hyatt points are worth around $900 in hotel stays, based on Insider's valuations — but it's not difficult to receive more value from them if you know the best ways to use Hyatt points.

    Best United card for travel protection with a low annual fee: Chase United Explorer

    United℠ Explorer Card

    Apply Now

    Annual Fee

    $95, waived the first year

    Regular APR

    16.49% to 23.49% Variable

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.55 out of 5 Stars

    Editor's Rating

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Annual Fee

    $95, waived the first year

    Regular APR

    16.49% to 23.49% Variable

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.55 out of 5 Stars

    Editor's Rating

    Featured Reward

    60,000 bonus miles after spending $3,000 on purchases in the first 3 months from account opening

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  • Pros & Cons
  • Details
  • Pros

    • Annual fee is waived the first year
    • Earns bonus miles on several purchase categories, including dining
    • Includes an application fee credit for Global Entry or TSA PreCheck
    • Gets you a free checked bag on United when you pay with the card

    Cons

    • Not the most rewarding card for most non-United travel purchases
    • Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
    • $0 introductory annual fee for the first year, then $95
    • Earn 2 miles per $1 spent on dining, hotel stays, and United purchases
    • Up to $100 Global Entry or TSA PreCheck® fee Credit
    • 25% back on United inflight purchases
    • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
    • Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
    • Earn 2 miles per $1 spent on dining including eligible delivery services

    Read Our Review A looong arrow, pointing right

    With the United℠ Explorer Card, trip delay insurance will activate after a delay of 12 hours or more, or if your delay requires an overnight stay. You and your family will be covered for up to $500 per ticket for covered expenses.

    The United℠ Explorer Card has such well-rounded benefits that we consider it to be one of the best cards on the market. For an annual fee of $95, waived the first year, you'll get perks like:

    Read more: Chase United Explorer review

    The card currently offers 60,000 bonus miles after spending $3,000 on purchases in the first 3 months from account opening. That's worth around $780 in flights, based on Insider's valuations. Read our guide to using United miles to understand how powerful they can be.

    Best Amex card for all-around travel protection: Amex Platinum

    The Platinum Card® from American Express

    Apply Now Rates & Fees

    Annual Fee

    $695

    Regular APR

    See Pay Over Time APR

    Credit Score

    Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.75 out of 5 Stars

    Editor's Rating

    A tooltip

    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Annual Fee

    $695

    Regular APR

    See Pay Over Time APR

    Credit Score

    Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.75 out of 5 Stars

    Editor's Rating

    A tooltip

    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.

    Featured Reward

    100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership

    Intro APR

    N/A

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  • Pros & Cons
  • Details
  • Pros

    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber

    Cons

    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
    • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
    • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
    • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • $695 annual fee.
    • Terms Apply.

    Read Our Review A looong arrow, pointing right

    The Platinum Card® from American Express provides above-average trip delay insurance. When booking round-trip travel, coverage will kick in after just six hours of delay. You'll be reimbursed for up to $500 in reasonable expenses per ticket for you and any family members traveling with you — that is, a spouse/domestic partner and unmarried dependent children up to age 19 (or full-time students at an accredited college or university under age 26).

    You can use this benefit no more than twice per consecutive 12-month period.

    The Amex Platinum charges an annual fee of $695 ((See Rates)) — a bit intimidating for many, but its ongoing benefits can easily offset that cost. Here are just a few annual statement credits that come with the card:

    Read more: American Express Platinum Card review

    The Amex Platinum offers 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership. Insider values Amex Membership Rewards points at 1.8 cents each, on average. That means you can get about $1,800 in value from the 100,000-point bonus — and significantly more value depending on how well you utilize these temporary 10x bonus categories.

    Best Marriott card for travel protection: Marriott Bonvoy Brilliant

    Marriott Bonvoy Brilliant™ American Express® Card

    Apply Now Rates & Fees

    Annual Fee

    $450

    Regular APR

    15.74% to 24.74% variable APR

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

    Editor's Rating

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Annual Fee

    $450

    Regular APR

    15.74% to 24.74% variable APR

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.3 out of 5 Stars

    Editor's Rating

    Featured Reward

    Earn 75,000 bonus points after using your new card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of card membership

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  • Pros & Cons
  • Details
  • Pros

    • Annual statement credits can save you money on Marriott stays
    • You get a free reward night each year after your account anniversary

    Cons

    • High annual fee
    • Other cards are more rewarding for earning points on your spending
    • Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
    • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
    • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
    • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
    • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
    • No Foreign Transaction Fees.
    • $450 Annual Fee.
    • Terms Apply.

    Read Our Review A looong arrow, pointing right

    When you book round-trip travel with the Marriott Bonvoy Brilliant™ American Express® Card, trip delay insurance will trigger after a delay of six hours or more. You're entitled to $500 in reasonable expenses per ticket for you and any family members traveling with you (spouse/domestic partner and unmarried dependent children up to age 19 or full-time students at an accredited college or university under age 26). You can file two claims per 12-month period.

    This card charges an annual fee of $450 per year ((See Rates)) — but it's worth the price tag for anyone who spends at least $300 with Marriott each year. You'll get perks like:

    Read more: Marriott Bonvoy Brilliant Card review

    The Marriott Bonvoy Brilliant™ American Express® Card offers a substantial welcome bonus: Earn 75,000 bonus points after using your new card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of card membership. Based on our valuations, that bonus is worth $525 in travel, not including the statement credit.

    Best Hilton card for travel protection: Amex Hilton Aspire

    Hilton Honors American Express Aspire Card

    Learn More

    Annual Fee

    $450

    Regular APR

    15.74% to 24.74% variable APR on purchases

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    5 out of 5 Stars

    Editor's Rating

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Annual Fee

    $450

    Regular APR

    15.74% to 24.74% variable APR on purchases

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    5 out of 5 Stars

    Editor's Rating

    Featured Reward

    150,000 points after you spend at least $4,000 in your first 3 months of account opening

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  • Pros & Cons
  • Details
  • Pros

    • Complimentary top-tier Hilton elite status
    • Get a weekend night reward each year after you renew your card
    • High welcome bonus
    • Valuable annual statement credit for eligible Hilton purchases

    Cons

    • High annual fee
    • The information related to the Hilton Honors American Express Aspire Card has been collected by Business Insider and has not been reviewed or provided by the issuer.
    • Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the card within your first 3 months of card membership
    • 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
    • 7X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card on flights booked directly with airlines or amextravel.com, and on car rentals booked directly from select car rental companies
    • 7X Hilton Honors Bonus Points for each dollar of eligible purchases on your card at U.S. restaurants
    • 3X Hilton Honors Bonus Points for all other eligible purchases on your card

    Read Our Review A looong arrow, pointing right

    The American Express Hilton Honors American Express Aspire Card offers trip delay insurance after a delay of six hours. You'll get up to $500 in reasonable expenses per ticket for you and family members traveling with you (spouse/domestic partner, as well as unmarried dependent children up to age 19 or full-time students at an accredited college or university under age 26). Your travel must be round-trip. You can use this benefit up to twice per 12-month period.

    This is one of the few cards that receive a full five-star review from Insider. Its benefits so dramatically outweigh its $450 annual fee (see Rates) that it's worth keeping year after year:

    Read more: Amex Hilton Aspire review

    Plus, the card offers 150,000 points after you spend at least $4,000 in your first 3 months of account opening. Per our valuations, that's worth $750 in Hilton hotel stays — though it's possible to get quite a bit more value if you know the best ways to redeem Hilton points.

    Best no-annual-fee card for travel protection: Marriott Bonvoy Bold

    Marriott Bonvoy Bold® Credit Card

    Apply Now

    Annual Fee

    $0

    Regular APR

    15.99% - 22.99% Variable

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.2 out of 5 Stars

    Editor's Rating

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Annual Fee

    $0

    Regular APR

    15.99% - 22.99% Variable

    Credit Score

    Good to Excellent

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.2 out of 5 Stars

    Editor's Rating

    Featured Reward

    30,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening

    It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details
  • Pros

    • No annual fee
    • Cardholders get 15 elite night credits toward status

    Cons

    • Only offers strong rewards for Marriott purchases
    • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
    • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
    • Earn up to 14X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
    • 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
    • 1X point for every $1 spent on all other purchases.
    • Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
    • No Foreign Transaction Fees.
    • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.

    Read Our Review A looong arrow, pointing right

    The Marriott Bonvoy Bold® Credit Card is a no-annual-fee card with trip delay insurance that punches in the same weight class as many $95 annual fee cards like the Chase Sapphire Preferred. If your trip is delayed by more than 12 hours, or requires an overnight stay, you and immediate family are eligible for up to $500 per passenger in reasonable expenses. Family members include your spouse/domestic partner and any legally dependent children under the age of 26. You can only use the benefit once per person per covered trip.

    For a no-annual-fee card, you'll also receive great delayed baggage insurance: Up to $100 per day (maximum of five days) once your bag is delayed more than six hours.

    Read more: Marriott Bonvoy Bold review

    As for Marriott-centric benefits, the Marriott Bonvoy Bold's only noteworthy benefit is 15 annual elite night credits — a big help toward achieving Marriott elite status. The card's current bonus is 30,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening. Per Insider's valuations, that's worth around $210 in travel. Read our guide to redeeming Marriott points for secrets as to how you can get much more value from this bonus.

    How we chose the best credit cards for trip delay insurance

    Personal Finance Insider chose the top credit cards for trip delay insurance based on:

    • The amount of money you'll receive in the event of a delay
    • The amount of time it takes for trip delay insurance to kick-in

    Many cards offer identical trip delay insurance, so we've also considered the overall value each credit card offers — from heightened welcome bonuses to ongoing benefits that handily offset each card's annual fee.

    Frequently asked questions (FAQs)

    What's the difference between trip delay insurance and trip cancellation/interruption insurance?

    Trip delay insurance covers you after your trip has begun, and you're either in transit to your destination or you're headed home. If something happens that severely delays your flight, or if you miss a connection that puts you several hours behind schedule, you may be eligible for hundreds of dollars in compensation for "reasonable expenses" via trip delay insurance.

    Trip cancellation insurance covers you before your trip even begins. If a covered hazard arises that prevents you from going on your trip (think car accident on the way to the airport, death in the family, etc.) you may be reimbursed for non-refundable travel. This does not give you the freedom to cancel your trip simply because you've decided not to go.

    For example, I once booked a trip to Norway and broke my clavicle a few weeks before my flight. I obtained a doctor's note advising against flying, and my card's trip cancellation insurance reimbursed me for the trip.

    Trip interruption insurance covers you during your trip (in other words, the part between your commute, covered by trip delay insurance). Some examples that would trigger trip interruption include:

    • You get very sick during your trip and must return home
    • Severe weather causes you to leave early
    • Your hotel is "uninhabitable"

    Trip interruption insurance can reimburse you for non-refundable travel including your remaining hotel bill, any unused land, air, or sea arrangements, and change fees.

    What does trip delay insurance cover?

    While this answer may vary slightly depending on which card you have, trip delay insurance tends to cover you (and family traveling with you) for things like:

    • Hotel stays
    • Food
    • Transportation
    • Toiletries
    • Medication

    You'll be covered for travel on any "common carrier", which includes things like airlines and cruises. Some covered hazards for trip delay insurance include:

    • Equipment failure
    • Inclement weather
    • Labor strikes
    • Hijacking

    Some credit cards offer trip delay insurance that activates after just six hours. More commonly, the insurance will activate after 12 hours.

    Are cards with trip delay insurance worth it?

    Trip delay insurance should be one of the biggest factors when choosing your travel credit card. If you travel with regularity, the benefit can save you many hundreds of dollars each year — particularly in the current era of coronavirus-fueled mayhem within the travel industry. Flight delays and cancellations are becoming a common occurrence.

    Read more: The best travel rewards cards of 2021

    While trip delay insurance specifies that you'll be covered for "reasonable expenses," this doesn't relegate you to bare-bones accommodation. During a recent trip delay, My Chase Sapphire Preferred paid for my lodging at a Grand Hyatt (one of the highest-rated hotels in the city) and my pricey meals at the hotel restaurant. I was reimbursed within a couple of weeks for hundreds of dollars in expenses.

    Do I have to pay with my card?

    You must pay for the entire fare with your eligible card. However, you can still use miles and points to reserve your flight. As long as you pay the entire cash portion of your fare (the taxes and fees), your card will cover your trip.

    Is Chase trip delay insurance better than Amex trip delay insurance?

    Many cards from both Amex and Chase offer similar trip delay insurance — though there appears to be one standout difference in the terms: American Express requires that you book round-trip travel, and Chase does not.

    According to American Express, a covered trip "may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with Common Carrier(s)." However, it also specifies that the trip "ends when the Eligible Traveler returns by Common Carrier to the city of departure."

    It's worth noting that Citi credit cards come with absolutely zero travel insurance of any kind. Booking travel with a Citi credit card is unwise, as you'll have to pay for all travel complications out of your own pocket.

    Joseph Hostetler

    Credit cards reporter

    Joseph Hostetler is a credit cards reporter for Insider who also covers helpful miles and points tricks. He has more than five years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets. You can reach Joseph at jhostetler@insider.com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »

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    Chase Sapphire Preferred® Card

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.8 out of 5 Stars

    Editor's Rating

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    OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA - RELATIVE TO OTHER PRODUCTS WE'VE REVIEWED.

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.8 out of 5 Stars

    Editor's Rating

    A tooltip

    OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA - RELATIVE TO OTHER PRODUCTS WE'VE REVIEWED.

    Annual Fee $95

    Featured Reward

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    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

    60,000 points

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    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

    Good to Excellent

    Marriott Bonvoy Boundless® Credit Card

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    4.59 out of 5 Stars

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    A tooltip

    OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA - RELATIVE TO OTHER PRODUCTS WE'VE REVIEWED.

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.59 out of 5 Stars

    Editor's Rating

    A tooltip

    OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA - RELATIVE TO OTHER PRODUCTS WE'VE REVIEWED.

    Annual Fee $95

    Featured Reward 3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

    Credit Needed Good to Excellent

    Chase Freedom Unlimited®

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.59 out of 5 Stars

    Editor's Rating

    A tooltip

    OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA - RELATIVE TO OTHER PRODUCTS WE'VE REVIEWED.

    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    4.59 out of 5 Stars

    Editor's Rating

    A tooltip

    OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA - RELATIVE TO OTHER PRODUCTS WE'VE REVIEWED.

    Annual Fee $0

    Featured Reward $200 after spending $500 on purchases in the first three months from account opening

    Credit Needed Good to Excellent

    Citibank National Association
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    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

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