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

Updated

2022-09-27T21:44:20Z

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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. And now with labor shortages causing even more disruptions, your credit card's trip delay insurance can be more valuable than ever.

Find the right card with trip delay insurance

  • Marriott Bonvoy Bold® Credit Card

  • Chase Sapphire Reserve®

  • Capital One Venture X Rewards Credit Card

  • Chase Sapphire Preferred® Card

  • United℠ Explorer Card

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60,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.

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

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.

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

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

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

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

Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.

$0 intro annual fee for the first year, then $95

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.

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.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the best travel credit cards with trip delay insurance

Chase Chase Sapphire Reserve®

Intro offer

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

Rewards

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.

Chase Chase Sapphire Reserve®

Intro offer

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

Rewards

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.

Chase Chase Sapphire Reserve®

Card Details

Rewards

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.

Intro offer

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

Recommended Credit

Good to Excellent

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

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Regular APR

19.24% - 26.24% Variable

Editor's Rating

4.65/5

Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Pros Cons

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Annual travel credit can effectively shave $300 off the annual fee if you use it

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Strong travel insurance

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Strong bonus rewards on travel and dining

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Very high annual fee

Highlights

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  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.
  • 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, 60,000 points are worth $900 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 every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Additional Reading

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Capital One Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Capital One Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Capital One Capital One Venture X Rewards Credit Card

Card Details

Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Recommended Credit

Excellent

Regular APR

18.49% - 25.49% (Variable)

Pros Cons

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Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Excellent welcome bonus and miles earning

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Premium perks including airport lounge access and statement credits

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Visa Infinite benefits including travel and shopping protections

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High annual fee

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Annual travel statement credits only apply to Capital One Travel purchases

Highlights

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  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's 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
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • 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

Additional Reading

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Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Intro offer

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

Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Intro offer

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

Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Chase Sapphire Preferred® Card

Card Details

Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Intro offer

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

Recommended Credit

Good to Excellent

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

Show more

Regular APR

18.24% - 25.24% Variable

Editor's Rating

4.8/5

Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Pros Cons

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Check mark icon A check mark. It indicates a confirmation of your intended interaction.

High intro bonus offer starts you off with lots of points

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Strong travel coverage

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Doesn't offer a Global Entry/TSA PreCheck application fee credit

Highlights

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  • 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 benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x 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 BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Additional Reading

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Chase The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

Intro offer

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

Rewards

Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 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. Earn 1 point per $1 spent on other purchases.

Chase The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

Intro offer

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

Rewards

Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 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. Earn 1 point per $1 spent on other purchases.

Chase The World Of Hyatt Credit Card

Card Details

Rewards

Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 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. Earn 1 point per $1 spent on other purchases.

Intro offer

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

Recommended Credit

Good to Excellent

Regular APR

18.24% - 25.24% Variable

Pros Cons

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Valuable annual reward night

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Hyatt points are valuable, and this card earns 2x points on several bonus categories

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If you spend a lot on this card, you can earn a second free night

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Not too many extra benefits

Highlights

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  • The information related to the The World Of Hyatt Credit Card has been collected by Business Insider and has not been reviewed by the issuer.
  • 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

Additional Reading

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Chase United℠ Explorer Card

Intro offer

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

Rewards

Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.

$0 intro annual fee for the first year, then $95

Annual Fee

Chase United℠ Explorer Card

Intro offer

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

Rewards

Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.

$0 intro annual fee for the first year, then $95

Annual Fee

$0 intro annual fee for the first year, then $95

Annual Fee

On Chase's website

Chase United℠ Explorer Card

Card Details

Rewards

Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.

Annual Fee

$0 intro annual fee for the first year, then $95

Intro offer

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

Recommended Credit

Good to Excellent

Regular APR

18.74% - 25.74% Variable

Pros Cons

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Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Annual fee is waived the first year

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Earns bonus miles on several purchase categories, including dining

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Includes an application fee credit for Global Entry or TSA PreCheck

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Gets you a free checked bag on United when you pay with the card

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Not the most rewarding card for most non-United travel purchases

Highlights

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  • Earn 50,000 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, TSA PreCheck® or NEXUS fee credit
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
  • Free first checked bags - a savings of up to $140 per roundtrip. Terms Apply.
  • Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

Additional Reading

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American Express The Platinum Card® from American Express

The Platinum Card® from American Express

Intro offer

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership

Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

American Express The Platinum Card® from American Express

The Platinum Card® from American Express

Intro offer

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership

Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

On American Express's website

American Express The Platinum Card® from American Express

On American Express's website

Card Details

Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

Annual Fee

$695

See Rates and Fees

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Intro offer

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership

Recommended Credit

Good to Excellent

Regular APR

See Pay Over Time APR

Editor's Rating

4.75/5

Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Pros Cons

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Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)

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Annual statement credits with Saks and Uber

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Bonus categories leave something to be desired

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One of the highest annual fees among premium travel cards

Highlights

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  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • 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.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, 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. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. 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 the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.

Additional Reading

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American Express Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card

Intro offer

150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

Rewards

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

American Express Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card

Intro offer

150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

Rewards

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

On American Express's website

American Express Marriott Bonvoy Brilliant™ American Express® Card

On American Express's website

Card Details

Rewards

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

Intro offer

150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months

Recommended Credit

Good to Excellent

Regular APR

18.74% - 27.74% Variable

Pros Cons

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Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Annual statement credits can save you money on Marriott stays

Check mark icon A check mark. It indicates a confirmation of your intended interaction.

You get a free reward night each year after your renewal month

Dash icon A dash. It often indicates an interaction to shrink a section.

High annual fee

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Other cards are more rewarding for earning points on your spending

Highlights

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  • Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
  • Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
  • Earn 6 Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.
  • $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees on international purchases.
  • Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.
  • See Rates Fees

Additional Reading

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American Express Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card

Intro offer

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

Rewards

Earn 14x Points on hotels resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.

American Express Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card

Intro offer

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

Rewards

Earn 14x Points on hotels resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.

On American Express's website

American Express Hilton Honors American Express Aspire Card

On American Express's website

Card Details

Rewards

Earn 14x Points on hotels resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.

Intro offer

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

Recommended Credit

Good to Excellent

Regular APR

15.74% to 24.74% variable APR on purchases

Pros Cons

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Complimentary top-tier Hilton elite status

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Get a weekend night reward each year after you renew your card

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High welcome bonus

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Valuable annual statement credit for eligible Hilton purchases

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High annual fee

Highlights

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  • 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

Additional Reading

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Chase Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Bold® Credit Card

Intro offer

60,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening

Rewards

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.

Chase Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Bold® Credit Card

Intro offer

60,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening

Rewards

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.

Chase Marriott Bonvoy Bold® Credit Card

Card Details

Rewards

Earn up to 14X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 1X point for every $1 spent on all other purchases.

Intro offer

60,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening

Recommended Credit

Good to Excellent

Regular APR

18.24% - 25.24% Variable

Pros Cons

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No annual fee

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Cardholders get 15 elite night credits toward status

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Only offers strong rewards for Marriott purchases

Highlights

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  • Limited Time Offer! Earn 60,000 Bonus Points after you spend $2,000 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 points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • 2X 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.

Additional Reading

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Chase Sapphire Reserve

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 Sapphire lounges)
  • Up to $100 Global Entry, TSA PreCheck, or NEXUS application fee credit

The Chase Sapphire Reserve® currently offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Insider estimates Chase Ultimate Rewards points value to be 1.8 cents each, on average. That makes this bonus worth around $1,080 in travel. Read our guide to the best ways to use Chase points.

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is Capital One's 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, Plaza Premium, and Capital One lounges)

This card currently offers 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. That's worth at least $750 in travel — and much more if you know how to use Capital One transfer partners for fancy airplane seats and luxury hotels.

Chase Sapphire Preferred

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

The Chase Sapphire Preferred® Card comes with 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth an average of $1,080 in travel, based on Insider's points and miles valuations.

World of Hyatt Card

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

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. That's worth up to $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.

Chase United Explorer

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 $0 intro annual fee for the first year, then $95, you'll get perks like:

  • Free first checked bag on United flights (you must pay with the card)
  • Priority boarding with United
  • Two United Club one-time passes after each cardmember anniversary
  • NEXUS, Global Entry, or TSA PreCheck application fee credit
  • Improved award seat availability

The card currently offers 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening. That's worth around $650 in flights, based on Insider's valuations. Read our guide to using United miles to understand how powerful they can be.

Amex Platinum

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 — 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:

  • Up to $200 in Uber Cash each calendar year**
  • Comprehensive airport lounge access (Priority Pass**, Centurion lounges, etc.)
  • Up to $200 in airline fee credits** each calendar year
  • Up to $200 in credits per year toward prepaid hotel bookings through Amex Fine Hotels and Resorts or The Hotel Collection (minimum two-night stay)
  • $12.95 in credits each month toward Walmart+ membership

The Amex Platinum offers 100,000 Membership Rewards points after you spend $6,000 in 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.

Marriott Bonvoy Brilliant

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 $650 per year — but it's worth the price tag for anyone who frequently stays with Marriott. You'll get perks like:

  • Up to $300 in annual statement credit for eligible purchases at restaurants worldwide (up to $25 per month)
  • Annual free night award worth up to 85,000 points (potentially worth hundreds)
  • 25 elite night credits each calendar year (helpful if you're trying to earn Platinum elite status or higher)
  • Automatic Marriott Bonvoy Platinum elite status

The Marriott Bonvoy Brilliant™ American Express® Card offers a substantial welcome bonus: 150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months. Based on our valuations, that bonus is worth $1,050 in travel.

Amex Hilton Honors Aspire Card

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 that it's worth keeping year after year:

  • Free weekend night award at any Hilton property worldwide (potentially worth $1,000+)
  • Up to $250 annual credit valid at Hilton resorts
  • Up to $250 annual airline incidental fee credit**
  • Priority Pass Select airport lounge membership** (worth at least $429)
  • Hilton Diamond elite status (the highest status you can earn)

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.

Marriott Bonvoy Bold

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 your 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.

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 60,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening. Per Insider's valuations, that's worth around $420 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.

Trip delay credit cards frequently asked questions (FAQs)

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.

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.

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 mayhem within the travel industry. Flight delays and cancellations are becoming common occurrences.

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.

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.

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.

Compare Insider's picks for the best travel insurance  »

Joseph Hostetler, CEPF

Credit cards reporter

Joseph Hostetler is a credit cards reporter for Insider who also covers helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF). Joseph 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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For rates and fees of The Platinum Card® from American Express, please click here.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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Source: https://www.businessinsider.com/personal-finance/trip-delay-insurance-credit-cards