Best Credit Cards with Travel Insurance of January 2022

The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

Earn 60,000 bonus miles when you spend $3,000 on purchases in the first 3 months from account opening.

The Capital One Venture Rewards Credit Card's APR: 15.99% - 23.99% (Variable). The card has an annual fee of $95.

When using your Venture card to cover the application fee, you can receive up to $100 in credit for your Global Entry or TSA Precheck application.

As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

Capital One’s assistant program, Eno, is like your account management system rolled into one helpful assistant. It monitors your account for fraud, sends alerts, creates virtual credit card numbers and provides useful account info like your balance.

Perhaps the most interesting of these abilities is its virtual credit card number storage. Virtual credit cards are getting harder to come by, and Eno provides another layer of protection when you shop online by saving a unique virtual card number for each merchant you transact with.

The Blue Cash Preferred provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

The Blue Cash Preferred has a welcome bonus where cardholders earn a $300 statement credit after spending $3,000 on the new card within the first six months of card membership.

When you purchase a product with your Blue Cash Preferred card, return protection covers you if the seller won’t accept a return for the item, up to 90 days from the date of purchase.

The card’s Pay It Plan It feature can be helpful in paying down small balances but dangerous for larger purchases. With Pay It, you can quickly tap a purchase in the mobile app that is for less than $100 to make payments throughout the month. Plan It is the reverse of this: You can select purchases that are $100 or more and have them split up to make monthly payments for a fixed monthly fee instead of interest charges. This can be a good deal if the monthly fee is less than you would pay in interest. Of course, an even better strategy would be to pay off your balance in full every month so you never have to pay more than necessary for your purchases.

The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

The Chase Freedom Unlimited® offers 0% introductory APR period (14.99% to 23.74% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

My Chase PlanSM Fee is (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan while in the 0% Intro Purchase APR period. After that, monthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

The card offers 3% Cash Back on restaurants and drugstore purchases, 5% back on travel booked through Chase and 1.5% back on other purchases.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Enjoy 5% Cash Back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

The American Express® Gold Card's annual fee is $250. The card offers 4x points on dining and griceries, 3x on flights and 1x on all other purchases.

There is a 15.99% to 22.99% variable APR.

As a new cardholder, you have the chance to earn an impressive 75,000 Membership Rewards Points after spending $4,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art.

There are no foreign transaction fees with this travel card.

Add your Gold Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.

Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.

The Chase Sapphire Preferred® Card offers 2x points on travel and dining. Get 25% more value when redeemed for travel.

The Sapphire Preferred has a $95 annual fee. The card’s variable APR is 15.99% to 22.99%.

My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

Earning rewards with the Chase Sapphire Reserve® is very straightforward.

New cardmembers can 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®. The bonus points are worth $750 when redeemed through Chase Ultimate Rewards for airfare, hotels, car rentals, or cruises.

Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

The Blue Cash Everyday® Card from American Express offers $250 back after you spend $2,000 in purchases on your new card within the first 6 months. Plus, earn 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% Cash Back at U.S. gas stations and at select U.S. department stores and 1% Cash Back on other purchases.

0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

When you use your Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.

Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

The Marriott Bonvoy Brilliant™ Card is a great option for making your stays more luxurious. It has a $450 annual fee.

The Card's APR: 15.74% - 24.74% (Variable).

You'll earn 6 points per dollar spent on eligible purchases at Marriott hotels, 3 points per dollar spent on airline tickets and at US restaurants, and 2 points per dollar spent everywhere else. You'll also earn a free night certificate every year after your account anniversary, which you can redeem at Marriott Bonvoy properties that cost up to 50,000 points per night.

The card also offers an annual credit of up to $300 toward Marriott Bonvoy hotels. It applies to room rates as well as on-site purchases like room service or spa treatments. If you max out this annual credit, you're effectively reducing the card's annual fee to $150. The current offer includes complimentary Marriott Bonvoy Gold Elite status, which is normally available only after staying 25 nights in one year.

The Marriott Bonvoy Brilliant Card also provides some helpful protections, including baggage insurance, rental car protection, and a host of purchase protections.

The World of Hyatt card offers a comprehensive rewards structure. The card has an annual fee of $95.

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. You'll also get 4x World of Hyatt points per dollar from the card and 5x points from your automatic Discoverist membership, for a total of 9x on eligible purchases at Hyatt.

The card’s APR is a variable 15.99 - 22.99 percent.

The World of Hyatt card offers additional benefits, like travel and purchase coverage, no foreign transaction fees.