2017 RANKING & REVIEWS
TOP RANKING BEST CREDIT CARDS WITH TRAVEL INSURANCE
Traveling with Peace of Mind: Finding the Best Credit Cards with Travel Insurance
If you travel often, finding the best credit card for travel rewards is a terrific strategy. The best credit card rewards for travel allow you to use your credit card for day-to-day purchases and gain in the form of points or miles that you can put toward your next trip. With the top credit cards for travel, you technically save money while spending money.
Award Emblem: Top 6 Best Credit Cards with Travel Insurance
But there may be a factor you are forgetting when you look for the best credit card for travel rewards. When people envison rewards from their top credit cards for travel, they think of saving money on their flights and sometimes hotels.
But there are also elements of travel that can be a pricey or a pain or both. The best credit card rewards for travel and best credit card for foreign travel will account for these things.
The best credit card for travel rewards will also be the credit cards with travel insurance. A travel insurance credit card comes with benefits that allow you to be reimbursed and assisted if anything happens while you are abroad.
You can even find a credit card with travel insurance that provides customer support for issues while you’re traveling or roadside assistance if your car breaks down while driving. The best credit card travel rewards are well-rounded and comprehensive.
See Also: Top Best Credit Cards for Very Bad Credit | Ranking | Cards for Damaged, Horrible, and Really Bad Credit Histories
AdvisoryHQ’s List of the Top 6 Best Credit Cards with Travel Insurance
List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):
- Gold Delta SkyMiles® Business Credit Card
- Gold Delta SkyMiles® Credit Card
- Platinum Delta SkyMiles® Credit Card
- Spark® Miles for Business Rewards Cards
- Security Service Power Travel Rewards World MasterCard®
- WorldPoints® Travel Rewards for Business Visa® Card
Top 6 Best Credit Cards with Travel Insurance | Brief Comparison & Ranking
Credit Card Names | Purchase APR | Purchase APR | Annual Fee | Annual |
| Gold Delta SkyMiles® Business Credit Card | 15.49%- 19.49% | None Offered | $95 | $0 |
| Gold Delta SkyMiles® Credit Card | 15.99%- 24.99% | None Offered | $95 | $0 |
| Platinum Delta SkyMiles® Credit Card | 15.49%- 24.99% | None Offered | $195 | None |
| Security Service Power Travel Rewards World MasterCard® | 10.25%- 11.25% | 0 % for 6 months | $0 | None |
| Spark® Miles for Business Rewards Cards | 17.24% | None Offered | $59 | $0 |
| WorldPoints® Travel Rewards for Business Visa® Card | 11.49%- 21.49% | 0% for 9 months | $0 | None |
Table: Top 6 Travel Insurance Credit Cards | Above list is sorted alphabetically
How & Why Credit Cards with Travel Insurance Included Can Provide Americans with Peace of Mind
The world is a big place with a lot of different events and situations at play. Anybody leaving the country has some degree of uncertaintly regarding how world events will affect their safety and enjoyment. Additionally, travelers may be hesitant to cancel ill-advised trips to avoid losing money. This is where credit cards with travel insurance included, in addition to having the best credit card rewards for travel, can be extremely helpful.
Credit cards with travel insurance included can be extremely helpful for travelers. The best credit card for travel will not just help the cardholder save money on flights and hotels. It will include the best credit card offers for travel, like sufficient reimbursement in the case of lost luggage, compensation if you have to cancel a flight due to illness, or assistance if a flight is delayed or cancelled.
One example of the best credit card offers for travel is credit cards with roadside assistance. This kind of credit card travel promotion goes above and beyond catering exclusively to airfare travel.
If someone decides to rent a car or travel by automobile and something unfortunate happens, their credit cards with roadside assistance can help them out and ensure they are not stranded.
All-in-One Change Management Tools
Top Rated Toolkit for Change Managers.
Get Your Change Management Tool Today...
AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?
Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.
Detailed Review – Top Ranking Credit Cards with Travel Insurance
Below, please find the detailed review of each credit card on our list of the top credit cards for travel and the best credit cards with travel insurance. We have highlighted some of the factors that allowed these credit cards with travel insurance included to score so highly in our selection ranking.
Don’t Miss: Top Best UNSECURED Credit Cards to Rebuild Credit | Ranking | Unsecured Cards to Build Credit for Bad, Poor, & No Credit Individuals
Gold Delta SkyMiles® Business Credit Card Review
Many of the credit cards with free travel insurance on our list of the best credit cards with travel insurance and credit card roadside assistance programs are packed with tremendous incentives and rewards for cardholders. The Gold Delta SkyMiles® Business Credit Card from American Express is no exception.
With this travel insurance credit card, you get a credit card with travel insurance that comes with 30,000 bonus miles after you make $1,000 in purchases within the first three months. You also get a $50 statement credit upon making a purchase through Delta airlines within that same time period on your best credit card for foreign travel, the Gold Delta SkyMiles® Card.
Like most credit cards with free travel insurance and other cards with the best credit card travel rewards, the Gold Delta SkyMiles® Business Credit Card comes with an annual fee of $95. But the good news is that you get an introductory annual fee of $0.
In addition to providing sweet perks, this card also serves as one of the credit cards with roadside assistance. While in-flight discounts and covered baggage costs are great, if you travel a lot and need to rent cars to get to specific destinations upon arrival, this is the best credit card for travel, especially business travel, for additional peace of mind.
However, be careful to understand exactly which destinations are covered by these credit cards with free travel insurance. For these credit cards for roadside assistance offered by American Express, only rentals within the U.S. (and that are paid for using this card) qualify for coverage.
Gold Delta SkyMiles® Credit Card Review
One thing you will notice is that a lot of the travel insurance credit cards included on our list of credit cards with travel insurance is that they are marketed as business credit cards. The major differences between an individual credit card and a business credit card are things like credit limit and whether your personal credit or your business’s credit is being affected. Fortunately, for those who want a credit card with travel insurance for their individual needs, American Express offers the Gold Delta SkyMiles® Credit Card.
As a top-rated best credit card for foreign travel, this highly ranked best credit card travel rewards program provides the same kinds of bonus rewards as its business version. Those who use their credit card for purchases within the first three months receive 30,000 bonus points. As with many of the other top credit cards for travel that are listed here, this best credit card for travel rewards has an annual fee of $95, but their credit card travel promotion provides an introductory annual fee of $0.
Many of American Express’s products are credit cards with roadside assistance. This particular product has a credit card roadside assistance program. In fact, it includes help with more than just roadside assistance. If you go more than 100 miles away from your home, there is a 24/7 global assist hotline through this credit card travel promotion that will help you coordinate emergency services and logistics if you have a medical emergency, your car breaks down, you lose your passport, and more.
Additionally, there is car rental loss and damage insurance that applies to rentals in specific countries when using this card, considered by some to be the best credit card for travel.
Related: Top Best Hotel Rewards Programs & Hotel Credit Cards | Ranking and Reviews
Platinum Delta SkyMiles® Credit Card Review
The Platinum Delta SkyMiles® Credit Card is from American Express. It is a member of American Express’s family of credit cards with travel insurance and the top credit cards for travel. Its credit card travel promotion includes 35,000 bonus miles after spending $1,000 within the first three months.
Another one of their best credit card offers for travel is the opportunity to receive a $100 statement credit if a Delta flight is booked within the first three months of holding the card.
The annual fee on this best credit card for foreign travel is a bit steep: $195 a year. Unfortunately for those looking for some kind of relief in the form of an introductory credit card travel promotion, this card does not provide one. You pay $195 per year starting from when you acquire the card.
A helpful credit card travel promotion that this company offers is covering the cost of your first checked bag. You are also charged no foreign transaction fees when you pay with this card, one of the top credit cards for travel — so of American Express’s selection, this is the best credit card for foreign travel. If you leave the country often, the annual fee quickly pays for itself in saved baggage fees and transaction fees.
Of course, this card also has a credit card roadside assistance program like the other credit cards with roadside assistance offered by American Express. You get access to a global assistance hotline and coverage in case of loss or damage to a rented car.
Popular Article: Top Best Credit Cards With No Foreign Transaction Fees | Ranking | Credit Cards Without Foreign Transaction Fees
Security Service Power Travel Rewards World MasterCard® Review
The Security Service Power Travel Rewards World Mastercard® is offered to those who are members of the Security Service Credit Union. This is one of the top credit cards for travel and one of the best credit cards with travel insurance, but unless you are a member of this credit union, you do not have access.
This travel insurance credit card comes with an extremely low variable purchase APR of 10.25 % – 11.25%. You earn three rewards point for every dollar you spend on dining, travel, and gas and one point for every dollar spent on all other purchases. This credit card travel promotion also provides a 10 percent annual points bonus on the points you earn. In addition to providing an already very low APR, cardholders get an introductory rate of $0 for the first six months.
As a contender for best credit card for foreign travel, this card comes with no foreign transaction fees, global cardholder services and assistance, concierge service, trip cancellation insurance, and travel accident insurance. And as one of the credit cards with roadside assistance on this list, it comes with a world car rental collision damage waiver.
Read More: Top Best Credit Cards with No Balance Transfer Fee (15–21 Months with Zero Balance Fees)
Spark® Miles for Business Reward Card Review
The Spark® Miles for Business Card from Capital One provides customers with rewards miles for using their travel insurance credit card as well as other helpful perks. This credit card with travel insurance allows cardholders to earn unlimited rewards. Every business-related purchase on this highly rated best credit card for travel rewards earns two times the points.
Source: Spark® Miles for Business Card
Once a cardholder spends $4,500 within the first three months, they earn 50,000 bonus miles, which is equal to about $500 in travel. And this highly ranked best credit card for foreign travel comes with additional cards for other authorized users, such as employees, as no additional cost.
It comes with a great variable interest rate of 17.24 percent, and the annual fee on this exclusively selected best credit card travel rewards program is $59; however, customers get a credit card travel promotion in the form of a $0 introductory rate.
In addition to these travel rewards and the introductory offer, this is one of the credit cards with roadside assistance that comes with coverage if anything should happen to your rental while traveling. The credit card roadside assistance program even covers you in the case of auto theft, so if you wind up in an unfortunate situation, this credit card with travel insurance ensures your business will not be left to foot the bill.
Free Wealth & Finance Software - Get Yours Now ►
WorldPoints® Travel Rewards for Business Visa® Card Review
With the WorldPoints® Travel Rewards for Business Visa® Card from Bank of America, customers earn travel rewards through the bank’s credit card travel promotion. After making at least $500 worth of purchases within the first 60 days of opening the account, cardholders receive a $100 statement credit. Additionally, with this travel insurance credit card, customers receive 5,000 bonus points after they make their first purchase.
There are no limits to the number of points customers can earn with this highly ranked best credit card for travel insurance. Additionally, as is expected for any card that calls itself the best credit card for foreign travel, this card’s points can be redeemed for cash, gift cards, or travel without any annoying blackout dates that limit when you can and cannot travel using your points.
There is not an annual fee, and there are no international transaction fees. Moreover, you get an introductory APR of 0% for the first nine months with this card, counted among the top credit cards for travel.
Of course, since this is on our list of the credit cards with roadside assistance, it’s important to point out that this card comes with travel and emergency services that include accident insurance and auto rental insurance.
Conclusion – Top 6 Best Credit Cards with Travel Insurance
If you or team members of your business travel often, you do not just want the best credit card travel rewards program. You also want a credit card with travel insurance that will have your back while you are on the move. Things happen, and finding the best credit card for travel rewards is only half the chore.
The other half is finding the best credit cards with travel insurance and the best credit cards with roadside assistance so that you can not only travel with savings, but also travel with peace of mind.
AdvisoryHQ (AHQ) Disclaimer: Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
