How Your Credit Card Can Protect You When Traveling

Auto Rental Collision Damage Waiver

A credit card's rental insurance can cover a damaged or stolen car, or can reimburse you for towing services and loss-of-use costs. This coverage can offer cost savings, as a rental car company's collision damage waiver might run anywhere from $25 to $41 a day or more.

If a credit card comes with insurance, it's typically secondary to your auto insurance policy. As a result, you'd need to file an initial claim with your auto insurance company and file a claim with your credit card issuer to cover expenses not paid by your insurer. This benefit might serve as primary coverage if you don't carry auto insurance.

Keep in mind that this travel credit card benefit might not include liability coverage. This coverage kicks in if someone sues you over injuries or property damage sustained in a crash.

Tip: Caps or restrictions on a card's rental insurance benefits might be in place depending on the card, type of car rented, length of the rental and travel destination. Check your card details to see what's covered.

Best travel cards of 2026

Compare cards from our partners that earn valuable points or miles and unlock travel perks on flights and hotel stays.

Offers from our partners

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(30)Rated 4.53 out of 5 stars, 30 reviews

90%

would recommend

Citi Strata Premier^® Card

Intro bonus:

60,000 Points

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

Ongoing APR:19.49% - 27.49% (Variable)

Rewards:

1x - 10x (Points per dollar)

Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases.

Annual Fee:$95

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(112)Rated 4.66 out of 5 stars, 112 reviews

90%

would recommend

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Ongoing APR:19.49% - 29.49% (Variable)

Rewards:

2x (Miles per dollar)

Earn 2 AAdvantage^® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage^® mile earned from purchases.

Annual Fee:$99, waived for first 12 months

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(220)Rated 3.95 out of 5 stars, 220 reviews

76%

would recommend

Credit One Bank^® Wander^® American Express^® Card with Dining, Gas & Travel Rewards

Ongoing APR:29.74% Variable

Rewards:

1% - 10% (cash back)

Earn 5% cash back rewards on eligible dining, gas, & travel purchases, 1% cash back rewards on all other purchases, and 10% cash back rewards on eligible hotel and car rentals booked using the Credit One Bank travel partner. Cash back rewards will be awarded as rewards points redeemable for a statement credit, gift cards, travel, and more. Terms apply.

Annual Fee:$95

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Terms Apply

(121)Rated 4.73 out of 5 stars, 121 reviews

96%

would recommend

Hilton Honors American Express Card

Intro bonus:

70,000 Points

Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027.

Ongoing APR:19.74%-28.74% Variable

Rewards:

3x - 7x (Points per dollar)

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Annual Fee:$0

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Terms Apply

(14)Rated 4.64 out of 5 stars, 14 reviews

92%

would recommend

Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:

150,000 Bonus Points + $250 Statement Credit

Earn 150,000 Marriott Bonvoy^® bonus points plus a $250 statement credit after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026.

Ongoing APR:19.74%-28.74% Variable

Rewards:

2x - 6x (Points per dollar)

Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. Earn 3X points at restaurants worldwide and on flights booked directly with airlines. Earn 2X points on all other eligible purchases.

Annual Fee:$650

ApplyView detailsRates and fees

Terms Apply

(53)Rated 4.62 out of 5 stars, 53 reviews

90%

would recommend

Delta SkyMiles^® Gold American Express Card

Intro bonus:

As High As 80K Miles + $250 Statement Credit

You may be eligible for as high as 80,000 Bonus Miles and a $250 Statement Credit after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Apply to find out your offer. Terms Apply. Offer ends 11/04/2026.

Ongoing APR:19.74%-28.74% Variable

Rewards:

1x - 2x (Miles per dollar)

When you use your Delta SkyMiles^® Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.

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

ApplyView detailsRates and fees

Terms Apply

(24)Rated 4.54 out of 5 stars, 24 reviews

83%

would recommend

Delta SkyMiles^® Platinum American Express Card

Intro bonus:

As High As 90K Miles + $300 Statement Credit

You may be eligible for as high as 90,000 Bonus Miles and a $300 Statement Credit after you spend $4,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Apply to find out your offer. Terms Apply. Offer ends 11/04/2026.

Ongoing APR:19.74%-28.74% Variable

Rewards:

1x - 3x (Miles per dollar)

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

Annual Fee:$350

ApplyView detailsRates and fees

Terms Apply

(11)Rated 4.55 out of 5 stars, 11 reviews

90%

would recommend

Marriott Bonvoy Bevy^® American Express^® Card

Intro bonus:

125,000 Bonus Points + a $150 Statement Credit

Earn 125,000 Marriott Bonvoy^® bonus points plus a $150 statement credit after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Offer ends 09/30/2026.

Ongoing APR:19.74%-28.74% Variable

Rewards:

2x - 6x (Points per dollar)

Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®. Earn 4X points at restaurants worldwide and U.S. Supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points). Earn 2X points on all other eligible purchases.

Annual Fee:$250

ApplyView detailsRates and fees

Terms Apply

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See all our best travel credit cards for 2026.

Baggage Delay Insurance

You've traveled for hundreds or thousands of miles and reached your destination, only to discover your baggage has been delayed or is missing.

Baggage delay insurance can help cover the cost of buying replacement items if your baggage is delayed or lost. To get this benefit, your baggage might need to be delayed for at least a certain period of time, such as four hours.

Coverage limits vary from card to card and generally take effect when you're traveling by plane, train, bus or ship.

Trip Delay Reimbursement

Trip delay reimbursement benefits can cover expenses if a scheduled trip is delayed by a certain period of time (such as six hours or more) or if a delay causes you to unexpectedly spend the night somewhere. Covered costs may include meals, toiletries, medication and lodging.

A cautionary note: A card's trip delay benefits might impose per-trip or per-ticket limits, so they may not cover all your losses.

Trip Cancellation and Interruption Insurance

If a covered incident like illness, jury duty or bad weather causes cancellation or interruption of a trip, your credit card might reimburse nonrefundable costs like a nonrefundable ticket. It also can cover costs like transportation to get home.

Covered incidents differ among cards. The trip cancellation and interruption insurance benefit normally applies to trips booked with your credit card taken by you and eligible relatives.

Learn more: Travel Protection vs. Travel Insurance: What's the Difference?

Travel Accident Insurance

Travel accident insurance covers accident-related injuries and deaths. Death and dismemberment coverage kicks in if you or a covered relative dies or loses a limb or eye during a covered trip.

Roadside Dispatch

It's a motorist's nightmare: You're driving along a roadway when your battery dies. In this case, you may be able to turn to your credit card for help.

Depending on your card, roadside dispatch service can connect you to local providers to supply basic services—such as a jump-start, tire change or brief tow—for a certain price. Some cards even cover some or all of the costs of these services.

Learn more: Average Cost of Travel Insurance

How to Choose the Best Travel Credit Card

If you're shopping for a travel credit card, go over each card's benefits to review which kinds of travel insurance are offered, along with the coverage's features and limits.

In addition:

• Check out a card's annual percentage rate (APR).
• See whether a card offers an introductory 0% APR.
• Find out whether a card charges an annual fee.
• Look for perks such as status in loyalty programs, cash back, points, miles or airport lounge access.

Tips for Using Your Credit Card Safely While Traveling

Here are eight tips for protecting your credit card while traveling.

1. Notify your card issuer. Before you head out, alert the card's issuer about your travel plans. This can help stop legitimate charges from being flagged or declined. You usually can inform a card issuer about your travels by logging in to your card's online account or mobile app, or by calling the issuer.
2. Set up transaction alerts. A real-time alert can help you detect unrecognized charges. When you do spot a suspicious transaction, contact your card issuer right away.
3. Shield your card. You can help prevent your card data from being electronically stolen if you keep your cards in an RFID-blocking wallet or sleeve.
4. Stash your card. If you're traveling with extra credit cards, store them in a hotel safe.
5. Be careful with public Wi-Fi. Connecting to a public Wi-Fi network is usually safe thanks to sophisticated encryption. But to exercise caution, safeguard passwords for your credit card accounts and be on the lookout for online scams.
6. Use a mobile wallet. Instead of carrying a plastic credit card with you, keep your card data in a mobile wallet. Be aware that this may limit the merchants where you're able to pay with your card, however.
7. Don't show off your card. When you're in public, be discreet with your credit cards. Otherwise you might send a signal to a nearby thief that you're a pickpocketing target.
8. Always take your credit card receipts with you. If you leave a credit card receipt at a restaurant or store, for example, a thief might be able to grab it and figure out how to withdraw cash or make purchases.

Learn more: When Are Travel Credit Cards Worth It?

Compare Travel Credit Cards

Just as you should always shop around for home or auto insurance, you should consider several options if you're in the market for a credit card, particularly if travel insurance benefits are a must-have. You can compare credit cards with Experian to get offers based on your unique credit profile.