Guide-to-Benefits Fine-Print Engine
55 Travel & Rewards Cards • Verified 2026 Terms
Credit Card Travel Insurance & Purchase Protection Comparator
Skip the 40-page Guide to Benefits PDFs. Compare Primary vs. Secondary Rental Car CDW, 6-hour vs. 12-hour Trip Delay triggers, one-way & $5.60 award tax eligibility, Baggage Delay, $10,000 Purchase Protection, and Cell Phone Insurance side-by-side.
Head-to-Head Card Benefit Duel
Select any two cards to compare every fine-print insurance clause side-by-side
Popular Matchups:
Chase • Visa Infinite$550/yr fee
Capital One • Visa Infinite$395/yr fee
Fine-Print Verdict: Chase Sapphire Reserve vs. Venture X
Both cards offer Primary Rental Car CDW up to $75,000 and 6-hour Trip Delay ($500/ticket) on one-way & award flights. However, Chase Sapphire Reserve wins on Ireland/Italy rental car coverage (0 excluded countries vs. 4 on Venture X), Higher Trip Cancellation ($10,000 vs. $2,000), and Emergency Medical Evacuation ($100,000 vs. $0), while Capital One Venture X wins by including $800 Cell Phone Protection ($50 deductible vs. $0 on CSR) at a lower $395 annual fee.
| Coverage Clause | Sapphire Reserve (CSR) ($550) | Capital One Venture X ($395) |
|---|---|---|
Rental Car CDW | PRIMARY Up to $75,000 • 31 days max | PRIMARY Up to $75,000 • 15 days max |
Excluded Countries | Excludes: None (Covers Republic of Ireland, Northern Ireland, Italy, Australia, and New Zealand!) ★ Edge | Excludes: Israel, Jamaica, Republic of Ireland, Northern Ireland |
Trip Delay Trigger | 6 hours (or overnight) Up to $500/ticket | 6 hours (or overnight) Up to $500/ticket |
One-Way / Award Taxes | ✓ One-Way OK + Partial/Award Taxes OK | ✓ One-Way OK + Partial/Award Taxes OK |
Trip Cancellation | $10,000/person • $20,000/trip + $100,000 Medical Evacuation | $2,000/person • $2,000/trip |
Baggage Delay | 6h trigger • $100/day × 5d ($500 max) | 6h trigger • $100/day × 3d ($300 max) |
Purchase Protection | $10,000/claim (120 days)+1yr Warranty | $10,000/claim (90 days)+1yr Warranty |
Return Protection | ✓ $500/item ($1,000/yr • 90d) ★ Edge | ✓ $300/item ($1,000/yr • 90d) |
Cell Phone Protection | Not Covered | ✓ $800/claim ($50 deductible • 2x/yr) ★ Edge |
Showing 55 of 55 cards
| Credit Card | Rental Car CDW | Trip Delay Trigger | Trip Cancellation | Purchase Protection | Cell Phone Protection | Baggage Delay | Guide |
|---|---|---|---|---|---|---|---|
| Sapphire Reserve (CSR) Chase • Visa Infinite • $550/yr | PRIMARY $75,000 max • Excl. 1 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip +$100k Evac | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Sapphire Preferred (CSP) Chase • Visa Signature • $95/yr | PRIMARY $60,000 max • Excl. 1 countries | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Ritz-Carlton Visa Infinite Chase • Visa Infinite • $450/yr | PRIMARY $75,000 max • Worldwide | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip +$100k Evac | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Ink Business Preferred Chase • Visa • $95/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $10,000/claim 120 days • +1yr warranty | $1,000/claim $100 deductible • 3x/yr | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Ink Business Cash Chase • Visa • $0/yr | PRIMARY $50,000 max • Worldwide | Not Covered | Not Covered | $10,000/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Ink Business Unlimited Chase • Visa • $0/yr | PRIMARY $50,000 max • Worldwide | Not Covered | Not Covered | $10,000/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| United Club Infinite Chase • Visa Infinite • $525/yr | PRIMARY $75,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $10,000/person $20,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| United Quest Chase • Visa Signature • $250/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| United Explorer Chase • Visa Signature • $95/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| World of Hyatt Visa Chase • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Marriott Boundless Chase • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| Freedom Flex (CFF) Chase • World Elite Mastercard • $0/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | $1,500/person $6,000 max/trip | $500/claim 120 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Freedom Unlimited (CFU) Chase • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | $1,500/person $6,000 max/trip | $500/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Platinum American Express • American Express • $695/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip +$250k Evac | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Amex Business Platinum American Express • American Express • $695/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip +$250k Evac | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Amex Gold American Express • American Express • $325/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $10,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Green American Express • American Express • $150/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Marriott Bonvoy Brilliant American Express • American Express • $650/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Hilton Aspire Amex American Express • American Express • $550/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Delta SkyMiles Reserve American Express • American Express • $650/yr | Secondary US / Primary Intl $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Delta SkyMiles Platinum American Express • American Express • $350/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Amex Blue Cash Preferred American Express • American Express • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Blue Business Plus (BBP) American Express • American Express • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Capital One Venture X Capital One • Visa Infinite • $395/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Venture X Business Capital One • World Elite Mastercard • $395/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Capital One Venture ($95) Capital One • World Elite Mastercard • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | $1,500/person $5,000 max/trip | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Capital One Savor Capital One • World Elite Mastercard • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Bilt Mastercard ($0 AF) Bilt / Wells Fargo • World Elite Mastercard • $0/yr | PRIMARY $50,000 max • Excl. 4 countries | 6 hours $1,800/ticket One-way OK | $5,000/person $10,000 max/trip | $1,000/claim 90 days | $800/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| WF Autograph Journey Wells Fargo • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | $15,000/person $15,000 max/trip | $1,000/claim 90 days | $1,000/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| Wells Fargo Autograph ($0) Wells Fargo • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | Not Covered | $600/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| Wells Fargo Active Cash ($0) Wells Fargo • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | Not Covered | $600/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| BoA Premium Rewards Elite Bank of America • Visa Infinite • $550/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip +$100k Evac | $10,000/claim 90 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| BoA Premium Rewards ($95) Bank of America • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | 12 hours $500/ticket One-way OK • Award taxes OK | $2,500/person $5,000 max/trip | $10,000/claim 90 days • +1yr warranty | Not Covered | 6h delay $100/d × 5d ($500) | Full Sheet → |
| US Bank Altitude Reserve U.S. Bank • Visa Infinite • $400/yr | PRIMARY $75,000 max • Excl. 4 countries | 6 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $10,000/claim 90 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| US Bank Altitude Connect ($0) U.S. Bank • Visa Signature • $0/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $2,000/person $2,000 max/trip | $1,000/claim 90 days • +1yr warranty | $600/claim $25 deductible • 2x/yr | Not Covered | Full Sheet → |
| Citi Strata Premier Citi • World Elite Mastercard • $95/yr | Secondary US / Primary Intl $75,000 max • Worldwide | 6 hours $500/ticket Round-trip req. | $5,000/person $10,000 max/trip | $10,000/claim 90 days • +2yr warranty | Not Covered | Not Covered | Full Sheet → |
| Citi AAdvantage Executive Citi • World Elite Mastercard • $595/yr | Secondary US / Primary Intl $75,000 max • Worldwide | 6 hours $500/ticket Round-trip req. | $5,000/person $10,000 max/trip | $10,000/claim 90 days • +2yr warranty | Not Covered | Not Covered | Full Sheet → |
| Costco Anywhere Visa Citi • Visa • $0/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | Not Covered | $1,000/claim 120 days | Not Covered | Not Covered | Full Sheet → |
| Citi Double Cash ($0) Citi • World Elite Mastercard • $0/yr | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Full Sheet → |
| Chase Aeroplan ($95) Chase • World Elite Mastercard • $95/yr | PRIMARY $60,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Southwest Priority ($149) Chase • Visa Signature • $149/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | Not Covered | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| IHG One Rewards Premier Chase • World Elite Mastercard • $99/yr | Secondary US / Primary Intl $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $10,000/claim 120 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $100/d × 5d ($500) | Full Sheet → |
| British Airways Visa ($95) Chase • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Worldwide | Not Covered | Not Covered | $500/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Amex Business Gold ($375) American Express • American Express • $375/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
| Hilton Surpass Amex ($150) American Express • American Express • $150/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Delta SkyMiles Gold ($150) American Express • American Express • $150/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | Not Covered | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Alaska Airlines Visa ($95) Bank of America • Visa Signature • $95/yr | Secondary US / Primary Intl $50,000 max • Excl. 4 countries | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Full Sheet → |
| United Business ($99) Chase • Visa • $99/yr | PRIMARY $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $1,500/person $6,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| World of Hyatt Business ($199) Chase • Visa • $199/yr | PRIMARY $50,000 max • Worldwide | 12 hours (or overnight) $500/ticket One-way OK • Award taxes OK | $5,000/person $10,000 max/trip | $10,000/claim 120 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Capital One Spark Miles ($95) Capital One • Visa • $95/yr | PRIMARY $50,000 max • Excl. 4 countries | Not Covered | Not Covered | $10,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Amex Centurion (Black Card) American Express • American Express • $5000/yr | PRIMARY $75,000 max • Excl. 3 countries | 6 hours $500/ticket Round-trip req. | $10,000/person $20,000 max/trip +$250k Evac | $10,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | 6h delay $500/d × 1d ($500) | Full Sheet → |
| Marriott Bonvoy Bevy ($250) American Express • American Express • $250/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | Not Covered | Not Covered | Full Sheet → |
| Southwest Performance Business ($199) Chase • Visa • $199/yr | PRIMARY $50,000 max • Worldwide | Not Covered | Not Covered | $10,000/claim 120 days • +1yr warranty | Not Covered | 6h delay $100/d × 3d ($300) | Full Sheet → |
| Citi Custom Cash ($0) Citi • World Elite Mastercard • $0/yr | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Full Sheet → |
| Delta Platinum Business ($350) American Express • American Express • $350/yr | Secondary US / Primary Intl $50,000 max • Excl. 3 countries | 12 hours $300/ticket Round-trip req. | Not Covered | $1,000/claim 90 days • +1yr warranty | $800/claim $50 deductible • 2x/yr | Not Covered | Full Sheet → |
Popular Head-to-Head Insurance Comparisons
Direct side-by-side fine-print breakdowns for the most searched credit card matchups:
Chase Sapphire Reserve vs. Venture XChase Sapphire Reserve vs. Amex PlatinumAmex Platinum vs. Capital One Venture XChase Sapphire Preferred vs. Sapphire ReserveChase Sapphire Preferred vs. Venture XChase Sapphire Preferred vs. Bilt MastercardAmex Gold vs. Chase Sapphire PreferredInk Business Preferred vs. Sapphire PreferredCiti Strata Premier vs. Chase Sapphire PreferredUS Bank Altitude Reserve vs. Chase Sapphire ReserveWF Autograph Journey vs. Chase Sapphire PreferredBoA Premium Rewards Elite vs. Chase Sapphire Reserve
Individual Card Guide-to-Benefits Sheets
Browse complete travel insurance and purchase protection sheets for each card:
Sapphire Reserve (CSR)Sapphire Preferred (CSP)Ritz-Carlton Visa InfiniteInk Business PreferredInk Business CashInk Business UnlimitedUnited Club InfiniteUnited QuestUnited ExplorerWorld of Hyatt VisaMarriott BoundlessFreedom Flex (CFF)Freedom Unlimited (CFU)Amex PlatinumAmex Business PlatinumAmex GoldAmex GreenMarriott Bonvoy BrilliantHilton Aspire AmexDelta SkyMiles ReserveDelta SkyMiles PlatinumAmex Blue Cash PreferredAmex Blue Business Plus (BBP)Capital One Venture XVenture X BusinessCapital One Venture ($95)Capital One SavorBilt Mastercard ($0 AF)WF Autograph JourneyWells Fargo Autograph ($0)Wells Fargo Active Cash ($0)BoA Premium Rewards EliteBoA Premium Rewards ($95)US Bank Altitude ReserveUS Bank Altitude Connect ($0)Citi Strata PremierCiti AAdvantage ExecutiveCostco Anywhere VisaCiti Double Cash ($0)Chase Aeroplan ($95)Southwest Priority ($149)IHG One Rewards PremierBritish Airways Visa ($95)Amex Business Gold ($375)Hilton Surpass Amex ($150)Delta SkyMiles Gold ($150)Alaska Airlines Visa ($95)United Business ($99)World of Hyatt Business ($199)Capital One Spark Miles ($95)Amex Centurion (Black Card)Marriott Bonvoy Bevy ($250)Southwest Performance Business ($199)Citi Custom Cash ($0)Delta Platinum Business ($350)
Credit Card Travel Insurance & Purchase Protection FAQ
Which credit cards offer Primary Rental Car CDW (Collision Damage Waiver) in the US?
Personal credit cards with built-in Primary Rental Car CDW in the United States include the Chase Sapphire Reserve ($75,000 cap, 31 days), Chase Sapphire Preferred ($60,000 cap, 31 days), Capital One Venture X ($75,000 cap, 15 days domestic), Bilt Mastercard ($50,000 cap, $0 annual fee), United Explorer / Quest / Club Infinite, Chase Aeroplan, U.S. Bank Altitude Reserve, and Bank of America Premium Rewards Elite. American Express cards offer Secondary coverage in the US by default (unless you enroll in paid Premium Car Rental Protection).
Chase Sapphire Reserve vs. Capital One Venture X: Which has better rental car and travel insurance?
Both offer Primary Rental Car CDW up to $75,000 and 6-hour Trip Delay reimbursement ($500 per ticket) that covers one-way flights and $5.60 award flight taxes. However, Chase Sapphire Reserve covers rental cars worldwide with zero excluded countries (covering Ireland, Northern Ireland, Israel, and Jamaica, which Visa Infinite terms on Venture X exclude), offers $10,000 per-person Trip Cancellation (vs. $2,000 on Venture X), and includes $100,000 Emergency Medical Evacuation. Capital One Venture X wins on Cell Phone Protection ($800 per claim with a $50 deductible vs. $0 on Chase Sapphire Reserve).
Do Chase and Amex Trip Delay insurance cover one-way flights or award tickets where you only pay $5.60 taxes?
Chase and Capital One Visa Infinite/Signature cards cover one-way flights and only require charging a "portion" of the common carrier fare (such as $5.60 in September 11 Security Fees on an award ticket) to trigger 6-hour or 12-hour Trip Delay insurance. By contrast, American Express and Citi require a round-trip itinerary (or combination of one-way tickets forming a round-trip) paid 100% with the eligible card or its corresponding points program.
Which credit cards have the best Cell Phone Protection for cracked screens or theft?
Top cards with built-in Cell Phone Protection when you pay your monthly wireless bill with the card include the Wells Fargo Autograph Journey ($1,000/claim, $25 deductible), Chase Ink Business Preferred ($1,000/claim, $100 deductible, up to 3 claims/yr), Bilt Mastercard ($800/claim, $25 deductible, $0 annual fee), Capital One Venture X ($800/claim, $50 deductible), American Express Platinum ($800/claim, $50 deductible), and Chase Freedom Flex ($800/claim, $50 deductible, $0 annual fee). Note that neither the Chase Sapphire Reserve nor Sapphire Preferred includes cell phone insurance.
Which credit cards offer $10,000 per-claim Purchase Protection and Return Protection?
Cards with a $10,000 per-claim Purchase Protection cap include the Chase Sapphire Reserve (120 days), American Express Platinum & Amex Gold (90 days, including lost items in most states), Capital One Venture X (90 days), Citi Strata Premier (90 days + 2-year Extended Warranty), Bank of America Premium Rewards ($95 fee!), and Chase Ink Business Cash/Unlimited/Preferred. For Return Protection (reimbursing items a merchant refuses to take back within 90 days), top choices are Chase Sapphire Reserve ($500/item), Amex Platinum ($300/item), Amex Blue Cash Preferred ($300/item), and Capital One Venture X ($300/item).