rbc travel insurance visa preferred

RBC ® Travel Insurance

Taking a trip see if your rbc ® credit card covers you..

In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. It’s that simple!

See what travel insurance coverage your card has:

Required Information

Which RBC credit card did you use to pay for the full cost of your trip?

Good news! Your card has some travel insurance coverage.

Your card provides some valuable travel insurance coverage for you and other covered persons (opens modal window) .

Covered Persons

Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Summary of Your Card’s Coverage

Under age 65: Unlimited coverage Disclaimer 1 for first fifteen (15) consecutive days of your trip
Age 65+: Unlimited coverage Disclaimer 1 for first three (3) consecutive days of your trip

Out of Province/Country Emergency Medical Insurance

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

This is a summary only. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Trip Cancellation Insurance

This insurance protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled prior to your departure, due to a covered reason. For this coverage to be effective, you must have purchased your prepaid travel arrangements with your RBC ® credit card and/or Avion ® points.

Trip Interruption Insurance

Flight delay insurance.

If you miss your connecting flight, are denied boarding or your flight is delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary expenses you may have (for example, a hotel room or restaurant meals) as long as you have checked in with the air carrier and you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Delayed Baggage Insurance

If your checked baggage is lost or delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary emergency purchases that you need, as long as you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Hotel/Motel Burglary Insurance

If you need to repair or replace personal property that has been damaged or lost due to a burglary of your hotel/motel room or cruise cabin and you are a registered guest, this insurance reimburses you, up to a certain maximum, as long as you paid for your hotel/motel room or cruise cabin with your RBC ® credit card and/or Avion ® points.

Travel Accident Insurance

This insurance covers you for accidental bodily injury or death if you are injured during an accident that occurs while you are travelling on a common carrier (such as a passenger plane) as long as you paid for these transportation arrangements with your RBC ® credit card and/or Avion ® points before departing on your trip.

Auto Rental Collision/Loss Damage Waiver Insurance

When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or Avion ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Certificate of Insurance (opens PDF in new window) for complete details.

Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Platinum Certificate of Insurance (opens PDF in new window) for complete details.

Lost/Stolen Baggage

We will pay the covered person for loss or damage to owned baggage and personal effects used for the personal use of the covered person while in transit as checked-in baggage or carried on board the air carrier when the full cost of the airline ticket is paid with your RBC ® credit card and/or Avion ® points.

All insurance is subject to limitations and exclusions. Download the RBC ® Avion ® Visa Infinite Business ‡ Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Business Certificate of Insurance (opens PDF in new window) for complete details.

Under age 65: Unlimited coverage Disclaimer 1 for first thirty one (31) consecutive days of your trip
Age 65+: Unlimited coverage Disclaimer 1 for first seven (7) consecutive days of your trip

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege for Private Banking Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® U.S. Dollar Visa ‡ Gold Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® British Airways Visa Infinite ‡ Certificate of Insurance (opens PDF in new window) for complete details.

Next Step: Tell us who is travelling so we can give you an accurate quote.

Who do you want to get a quote for?

Why we ask: Since your credit card’s travel insurance covers you, your spouse and/or your dependent children, your quote will calculate the coverage you already have on your card—saving you money!

Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage.

Tip: You will need to get a quote and buy travel insurance for other eligible travellers separately so that we can give you an accurate quote for everyone.

Eligibility

To be eligible for this insurance coverage, a traveller must be:

A client of the RBC companies or a spouse or child of a client
A Canadian resident (applicable for Emergency Medical Insurance coverage)

Travel Insurance coverage is not included on your card, but we can cover you!

Although the card you used to purchase your trip does not include coverage, you can get a quote and buy affordable travel insurance now.

We are unable to determine the travel insurance coverage on your card

We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.

RBC Rewards Visa Preferred 🇨🇦

Earn 1 RBC Rewards point for every $1 in purchases charged to your card.
Receive 2,500 RBC Rewards points as a sign-up bonus
Benefit from a complete insurance coverage

Fees & Conditions

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

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[an error occurred while processing this directive] Managing Your Card > Documentation > Insurance Certificates

Flight Delay Insurance

Rbc royal bank visa platinum preferred flight delay insurance.

Introduction

IMPORTANT — PLEASE READ: This Certificate of Insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read this Certificate of Insurance, keep it in a safe place and carry it with you when you travel.

RBC Insurance Company of Canada (the "Insurer") has issued group insurance policy U-1014455-A to Royal Bank of Canada ("RBC Royal Bank") to cover expenses incurred by covered persons relating to a Missed Connection, Delayed Flight Departure or Denied Boarding. This Certificate of Insurance summarizes the provisions of this group insurance policy.

All italicized terms have the specific meaning explained in the "Definitions" section of this Certificate of Insurance.

How to Contact Assistance Services

If you require assistance, you can contact Assured Assistance Inc. (Assured Assistance) by calling:

1-800-533-2778 toll-free from the US & Canada, or 905-816-2581 collect from anywhere in the world

Definitions

Throughout this document, all italicized terms have the specific meaning explained below.

Air carrier means a commercial air service licensed by the airline authority of the country of registration.

Applicant means a person who has signed and submitted an application as the applicant for an RBC Royal Bank Visa Platinum Preferred card and in whose name the card account is established.

Cardholder means any person (includes applicants , co-applicants and authorized users), to whom RBC Royal Bank has issued an RBC Royal Bank Visa Platinum Preferred card.

Covered person means the applicant , the applicant's spouse , or a dependent child who travels with or joins the applicant or the applicant's spouse on the same trip. A co-applicant or an authorized user to whom RBC Royal Bank has issued an RBC Royal Bank Visa Platinum Preferred is a covered person in his/her own right. A covered person may be referred to as " you " or " your " or " yourself ". A co-applicant's or authorized user's spouse and/or dependent child are not eligible for this insurance.

Dependent child means a dependent unmarried natural, adopted, step or foster child of the cardholder who is:

under 21 years of age, or
under 26 years of age if a full-time student, or
mentally or physically handicapped and incapable of self-sustaining employment and totally reliant on you for support and maintenance.

Emergency purchases means the minimum essential clothing and toiletries, the purchase of which is rendered absolutely necessary and indispensable due to the delay of your checked luggage.

Spouse means the person who is legally married to you , or has been living in a conjugal relationship with you for a continuous period of at least one year and who resides in the same household as you .

When does coverage begin and end?

This insurance is effective when the full cost of your airline ticket issued by an air carrier is charged to your RBC Royal Bank has issued an RBC Royal Bank Visa Platinum Preferred card and you have checked in with the air carrier .

Your coverage begins as follows:

Missed Connection - Coverage begins four (4) hours after the air carrier's aircraft has arrived at a connecting point for your flight when, due to the delay of your coming flight, you miss a confirmed onward connecting flight; and no alternative onward transportation is made available to you by the air carrier within four (4) hours of the scheduled departure time of the onward connecting flight.

Delayed Flight Departure - Coverage begins four (4) hours after the scheduled departure time of your confirmed scheduled flight which was delayed when no alternative transportation is made available to you by the air carrier within four (4) hours of the scheduled departure time of the original flight.

Denied Boarding - Coverage begins four (4) hours after you have been denied boarding of the aircraft due to overbooking on your confirmed scheduled flight, when no alternative transportation is made available to you by the air carrier within four (4) hours of the scheduled departure time of the original flight.

Coverage ends on the earliest of:

48 hours after the arrival of your flight at its scheduled destination point;
the date that you arrive at the final destination on the return portion of your trip;
the date your RBC Royal Bank has issued an RBC Royal Bank Visa Platinum Preferred account is cancelled;
the date your RBC Royal Bank has issued an RBC Royal Bank Visa Platinum Preferred account is 60 days past due;
the date the group insurance policy terminates; or
the date RBC Royal Bank receives written notice from you that you choose to cancel your RBC Royal Bank has issued an RBC Royal Bank Visa Platinum Preferred card.

What are the risks and benefits?

Reimbursement to you , up to a maximum of $250 per day, for the reasonable and necessary expenses you incur as a result of a Missed Connection, Denied Boarding or Delayed Flight Departure. Reasonable and necessary expenses include hotel accommodation, restaurant meals, refreshments, emergency purchases and other sundry items (such as a magazine, paperback book and other such small items) for a maximum of 48 hours or until reasonable alternative transportation is made available.

This benefit is subject to an overall maximum of $500 per any one occurrence of Missed Connection, Denied Boarding and Delayed Flight Departure. If there is more than one individual making a claim, the maximum payable for all covered persons under this certificate is $500 in the aggregate per any one occurrence of Missed Connection, Denied Boarding and Delayed Flight Departure.

General Exclusions

The Insurer will not pay for any expenses incurred directly or indirectly as a result of:

Any losses incurred at the final destination of the return portion of your trip.
The insufficient allotment of time for legally connecting flights according to air carrier regulations.
Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) or voluntarily participating in a riot or civil disorder.
Your committing or attempting to commit a criminal offence.
Your being denied boarding by immigration officials or other authorities.
Your inebriated state.

What to do if you have a claim?

If you call Assured Assistance at the time of the loss as shown under "How to contact Assistance Services" you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the Claims Centre of your claim within 30 days of the date of the cause of loss.

For your claim to be reviewed, you must submit the following original documentation:

airline tickets;
the charge slip for the airline ticket;
the air carrier's report substantiating the reason for your Misses Connection, Delayed Flight Departure or Denied Boarding; and
receipts for hotel accommodation, restaurant meals, refreshments, emergency purchases and other sundry items.

Submission of claims must be made to the Claims Centre:

You must submit the information required for your claim within 90 days of the date of the cause of the loss. If it is not reasonably possible to provide such information within 90 days, you must do so within one year or your claim will not be paid.

Other Claim Information

If you disagree with the claim decision of the Insurer, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory in which you permanently reside. You must begin arbitration proceedings to recover a claim within 12 months of the occurrence. If, however, this limitation is invalid according to the laws of the Canadian province or territory where you permanently reside, you must commence your claim within the shortest time limit permitted by that province or territory. All arbitration proceedings must be brought in the Canadian province or territory in which you permanently reside. Where requested by the Insurer, you consent to the transfer of any proceedings to the province or territory where you permanently reside.

What other terms should you know about?

This insurance is classified as supplemental, in that it covers expenses in excess of expenses payable by any other insurance plan.
If you are eligible, from any other insurer, for benefits similar to the benefits provided under this insurance, the total benefits paid to you by all insurers cannot exceed the actual expense that you have incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for benefits similar to those provided under this insurance, to a maximum of the largest amount specified by each insurer.
If you incur expenses covered under this insurance due to the fault of a third party, the Insurer may take action against the third party. You agree to cooperate fully with the Insurer or its agents and to allow the Insurer or its agents, at its/their own expense, to bring a lawsuit in your name against a third party.
All amounts are shown in Canadian dollars. If you have paid a covered expense, you will be reimbursed in Canadian currency at the prevailing rate of exchange quoted by RBC Royal Bank on the date the last service was rendered to you . This insurance will not pay for any interest.
To substantiate a claim under this insurance, you must provide the requested/required documents. Failure to provide the requested/required documentation will invalidate your claim.
The Insurer may, at its discretion, void this insurance contract in the case of fraud or attempted fraud by you , or if you conceal or misrepresent any material fact or circumstance concerning this insurance contract.

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RBC Avion Visa Infinite – a Premium Travel Credit Card with Insurance Benefits

Card Details

Travel rewards.

Earning is easy

Earn 1 Avion point for every $1 you spend, plus an extra 25% on eligible travel related purchases 12 .

Choose any airline, any flight, any time

No blackouts or seat restrictions. If there's an open seat, you can fly – even during peak seasons.

Travel anywhere you want to go

Take a look at our Air Travel Redemption Schedule to see how many points you need. One-way flights start as low as 7,500 Avion points! ^

So easy to book travel

Use our online tool to book travel rewards instantly .

The Friday Friend Pass - 2 for 1 Ski Passes!

Love skiing or snowboarding? Get one FREE lift pass when you buy one Friday lift pass with an RBC Avion Visa, at participating resorts across Canada. Learn More

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Save and Earn Faster with RBC Offers

Load personalized offers for great brands before you shop to get cash savings or to earn bonus points faster.

Redeem points for other great stuff

Including the latest Apple products, over 50,000 tech products at Best Buy, and an amazing selection of merchandise, gift cards, RBC Financial Vouchers and more.

Convert your points to other programs

Eligible Avion Rewards members can convert points to other loyalty programs including WestJet dollars and Hudson’s Bay Rewards points.

Payback with points

Use your Avion points toward your credit card balance. 3

Additional Features

Great Benefits – Just for RBC Avion Visa Cardholders

From exclusive perks to enhanced coverage, explore all the benefits that come with being an RBC Avion Visa Cardholder.

Extensive insurance coverage

Mobile Device Insurance included – up to $1,500 7
Travel with ease with trip cancellation 8 and trip interruption 8 insurance, and emergency medical 9 .
Plus, eligible purchases 7 made on the card are protected.

For more details regarding all available insurances on this card, click here .

Visa Infinite Benefits

Get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits via www.visainfinite.ca

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Instant Fuel Savings at Petro-Canada

Link your card and get the following:

Instantly save 3¢/L on fuel 4 and always earn 20% more Petro-Points 5
Always earn 20% more Avion points 6

For more details click here .

Earn more Be Well points at Rexall

Link this card with your Be Well card to:

Get 50 Be Well points for every $1 spent on eligible products at Rexall 13
Redeem Be Well points faster for savings in store on eligible purchases 14 ; 25,000 Be Well points = $10

Get 20% 10 off at Hertz and earn 3x 11 the points

20% savings 10 (applies to the base rate only), and more Avion points 11 are just more advantages of being an Avion cardholder. Find out how to load this offer .

Get $0 delivery fees for 12 months from DoorDash 17

Add your eligible RBC credit card to your DoorDash account to:

Get a 12-month complimentary DashPass subscription 18 – a value of almost $120
Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Credit Card Lock

You can lock your RBC credit card temporarily at any time. Use Credit Card Lock if you’ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock. Learn More

Speed, convenience and security

Use Visa payWave when paying for small purchases. Just tap your card and you're on your way.

Optional Extras

Optional Add-On Services

Take advantage of all the benefits your credit card has to offer by adding optional services to protect your identity, your family, and your credit card balance:

Add-on Travel Insurance

RBC Road Assist

BalanceProtector Max Insurance

Identity Theft & Credit Protection

Apply online for a premium travel credit card

Applying online is safe and secure. Get a response in less than 60 seconds.

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Cross-Border Discover & Learn

Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer.

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP.

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

24/7 worldwide emergency travel assistance through a toll-free emergency help line
Multilingual assistance from caring professionals – ready to help you wherever you are in the world
Best in class claims service, with knowledgeable claims and service advisors available to you
Registered nurses and consulting physicians available 24/7

Most Recent

24/7 Emergency Assistance and Coverage for Stable Pre-Existing Conditions Disclaimer 2

Get a quote and purchase affordable travel insurance in minutes.

Travel Insurance for Seniors and Snowbirds

Whether you need essential travel medical insurance or coverage for lost baggage, trip cancellation and interruption, and other unexpected events, we offer a wide range of affordable plans for mature travellers.

Here are just a few reasons to protect yourself with RBC Travel Insurance:

24-hour worldwide emergency medical and travel assistance.

Caring, multi-lingual professionals, registered nurses and physicians are available around the clock to make sure you receive the proper help and care you need in case of a medical or other emergency.

Unlimited coverage for eligible medical expenses Disclaimer 1

If you become injured or ill during your trip, your policy will pay for any eligible medical expenses that aren’t covered by your government health insurance.

Coverage for stable pre-existing conditions Disclaimer 2

You can travel knowing you’re financially protected if you need emergency medical treatment during your trip.

Safe transportation to the closest medical facility

If you need urgent treatment, we’ll provide transportation to the most appropriate facility, even if it’s in another country. We’ll also pay to have a friend or family member travel to your bedside.

Direct payment of medical bills, whenever possible Disclaimer 3

We will also coordinate payments with your government health insurance so you aren’t out-of-pocket for any costs.

Get a Travel Insurance Quote

You can get a no-obligation quote and buy now in just a few simple steps. It’s fast and easy using our secure online application.

Other Ways to Buy

Travel Insurance FAQs

Have questions about travel insurance for seniors? Get the answers you need here.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

Take your time. The questions may take up to 10 minutes to complete.
You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
Have your prescriptions or a description of your medications nearby for reference.
If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

You can't travel due to an illness, job loss or immediate family member's medical emergency
You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

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no new treatment, new medical management, or new prescribed medication; and
no change in treatment, change in medical management, or change in medication; and
no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
no new test results or test results showing a deterioration; and
no investigations or future investigations initiated, or recommended for your symptoms; and
no hospitalization or referral to a specialist (made or recommended).

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RBC Rewards Visa Preferred

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Extended warranty

Help protect your RBC credit card balance when you need it most – with optional BalanceProtector Max. If you lose your job or become totally disabled, this coverage can pay 25% of your credit card total account balance – up to $6,250 per month for up to four months. If you pass away, this coverage can make a single payment of the total amount owing on your credit card account to a maximum benefit amount of $25,000. Enrolment is easy for eligible cardholders. You may cancel at any time. Premiums are $1.20 per $100 of your account balance on your statement date (plus applicable taxes). Terms, conditions and eligibility restrictions apply. Full details are available on rbcroyalbank.com. This insurance coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who carry on business in Canada under the trade name of Assurant®.

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RBC Avion Visa Infinite Review 2024: A Flexible Travel Credit Card With No Blackout Dates

Updated: May 22, 2024, 5:26pm

Fact Checked

This is a straightforward credit card with a flexible travel rewards redemption schedule, especially since you can use Avion points for travel with any airline around the world with no blackout dates. However, given the high income requirements and annual fee, the base earn rate is low, the only accelerated earn rate is for travel purchases, and the other benefits and features are limited to certain kinds of travel insurance.

Earn points on every dollar spent
Earn 1.25 points for every dollar spent on eligible travel purchases
No blackouts or seat restrictions when using points for flights
High annual fee
Requires a minimum personal income of $60,000 or a minimum household income of $100,000.
Imposes higher acceptance cost on merchants, so might not be accepted at their discretion.

Introduction, quick facts, rbc avion visa infinite rewards, rbc avion visa infinite benefits, how the rbc avion visa infinite stacks up, methodology, is the rbc avion visa infinite right for you.

Get 35,000 welcome Avion points on approval**—enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
Avioners earn points that never expire so your points will be waiting for your next adventure.
Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming gift cards and aerchandise at top brands like Apple. The Avion Rewards program gives you the freedom to use your points your way and helps you make the most of your time as an Avioner.
Eligible Avion Rewards members can also convert points to other loyalty programs, including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in-store on eligible purchases where 25,000 Be Well points = $10
Get access to RBC offers, which provides access to earn points faster at specified brands
Extensive insurance, including mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
Avioners get access to luxury Visa Infinite benefits, including first-in-line access to exclusive events and hotel and dining benefits.
Avioners no longer need 14-days to book travel using the RBC grid
Get a 12-month complimentary DashPass subscription± – a value of almost $120
Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Get a 12-month complimentary DashPass subscription18 – a value of almost $120

Apply for the RBC Avion Visa Infinite Card — A flexible travel card with no blackout dates

On RBC’s Website

The RBC Avion Visa Infinite card is pretty basic in the grand scope of the Canadian travel credit card landscape. The regular earn rate is low (at 1 point for every dollar spent), and the only accelerated category is eligible travel, which earns you 25% more. Perks and benefits are also limited to a few types of travel insurance. Considering the annual fee is $120 and you need a minimum personal income of $60,000 to qualify, the RBC Avion Visa Infinite is lacking compared to other travel credit cards at this price point.

That being said, it’s not a bad card. The flight redemption schedule offers some pretty decent deals. Plus, you can use Avion points for any airline worldwide without blackouts or seat restrictions.

Earn Avion points on every purchase at a rate of 1 point per dollar spent and 1.25 points per dollar spent on eligible travel.
Points do not expire and can be redeemed towards travel with any airline with no blackout periods or seat restrictions.
Cardholders can benefit from increased rewards when they link their card to participating programs at Petro-Canada and Rexall.

Earning rewards

Cardholders will earn Avion points when they spend with this card. Here’s how:

Welcome bonus of 35,000 welcome Avion points on approval
Earn 1 Avion point per dollar on all eligible purchases, plus an extra 25% on eligible travel-related purchases

There are no accelerated categories aside from travel. However, there are no earning caps or limits on how many points you can earn with this credit card.

Redeeming Rewards

Avion points can be redeemed online at avionrewards.com or via the RBC Avion app. You can redeem your Avion points toward:

Travel: Avion points will have the best value when redeemed towards flights with the RBC Avion redemption schedule (a rate of $0.02-$0.0233). You can also redeem them through the RBC travel portal at a rate of $0.01 per point.
Point Transfers: You can transfer Avion points to Westjet, British Airways and American Airlines.
Gift Cards: You can redeem your Avion points for gift cards.
Merchandise: You can redeem your Avion points for merchandise.
Statements Credits: You can use your points toward your credit card statement.
Charity Donations: You can use your points to donate to charity.

Rewards Potential

While the flexible redemption schedule for RBC Avion points is great, the earn rates and rewards potential are lacking compared to similar credit cards with high accelerated rates and a strong earning schedule. This means earning points with the RBC Avion Visa Infinite will be slower. That being said, cardholders can still come out ahead. Based on average Canadian spending, Forbes Advisor estimates this card could earn $178.72 in rewards value per year after the annual fee.

Travel Insurance

Emergency Medical: Coverage for 15 days if you are under 65 or for the first three days if you are 65 or older.
Travel Accident: Coverage up to $500,000.
Trip Cancellation: Coverage up to $1,500 per person per trip (overall maximum of $5,000).
Trip Interruption: Coverage up to $5,000 per person per trip (maximum of $25,000).
Flight Delay: Coverage up to $250 per covered person (maximum of $500 per occurrence).
Delayed Baggage: Coverage up to $500 per covered person (maximum of $2,500 per occurrence).
Hotel/Motel Burglary: Coverage up to $2,500 per occurrence.
Auto Rental Collision/Loss Damage Waiver Insurance: Coverage for 48 consecutive days on vehicles under $65,000 MSRP.

Consumer Insurance

Purchase Protection: Coverage for 90 days.
Extended Warranty: Double the manufacturer’s warranty for up to a year.
Mobile Device Insurance: Coverage up to $1,500.

Partner Benefits

Petro Canada: Link your Petro-Points card to save $0.03 per litre on gas and earn 20% more Petro-Points.
Rexall: Get 50 BeWell for every dollar spent on eligible purchases at Rexall when you link your card.
DoorDash: Get a complimentary DashPass subscription for up to 12 months.
The Friday Friend Pass: Buy one Friday lift pass with your card at participating resorts across Canada and get a free lift pass.

Visa Infinite Benefits

Visa Infinite Luxury Hotel Collection: Enjoy perks like room upgrades, complimentary WiFi, and late checkout at properties worldwide.
Dining & Wine Country : Get access to culinary experiences at the best restaurants in Canada.
Complimentary Concierge: Get a complimentary concierge service.

Interest Rates

Regular APR: 20.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Foreign Transaction Fee: 2.5%
Balance Transfer Fee: 3% of the transaction amount
Annual Fee: $120
Any Other Fees: additional card: $50, dishonoured payment: $45, overlimit fee: $29 (does not apply in Quebec)

RBC Avion Visa Infinite vs. TD® Aeroplan® Visa Platinum* Card

The TD® Aeroplan® Visa Platinum* Card has an $89 annual fee and earns rewards at a rate of 1 point per dollar spent. While there are no accelerated categories, Aeroplan members can double dip and earn double the points at participating retailers. This card also comes with comprehensive insurance plus the Aeroplan program, one of the top rewards programs in Canada. With similar structures, the TD Aeroplan Visa Platinum Card is likely a better pick since it does have a lower annual rate.

RBC Avion Visa Infinite vs. PC World Elite Mastercard

The PC World Elite Mastercard is a no-annual-fee credit card aimed at individuals who are more interested in earning free groceries than redeeming points for travel or shopping rewards. Cardholders earn 30 to 45 points per dollar spent at participating PC Optimum rewards brands and 10 points per dollar spent elsewhere. While the PC World Elite Mastercard does come with travel insurance, it’s not a travel card. If you are in the market for a card where the rewards are best for travel, then the RBC Avion Visa Infinite is the better pick.

RBC Avion Visa Infinite vs. CIBC Aeroplan Visa Infinite Card

Another Aeroplan card to compare is the CIBC Aeroplan Visa Infinite Card. At $139 per year, it’s a little pricier than the RBC Avion Visa Infinite card, however, it also has higher earn rates of 1.5 points per dollar spent on gas, groceries, Air Canada travel and electric vehicle charging. All other purchases earn 1 point per dollar spent. Since it is an Aeroplan card, you can double dip with Aeroplan partners, earning points even faster. It is a bit more expensive, but the earning and rewards potential is much higher, meaning it is more lucrative as a travel credit card.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used considers factors such as, but not limited to, reward rates and categories, fees, welcome bonuses, and other benefits and features. Keep in mind that what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The RBC Avion Visa Infinite card is attractive because you can earn points across all purchases and the redemption schedule for flights is incredibly flexible. That said, it will be slow to earn points with the majority of purchases at the lower earning rates for this credit card. Plus, perks and benefits outside of travel insurance are lacking. If you are a frequent traveller and are really looking to get into maximizing points and rewards, it may not be the best option for you.

Related : Rounded up the best credit cards

Frequently Asked Questions (FAQs)

What are the benefits of rbc avion visa infinite.

The RBC Avion Visa Infinite allows you to earn points on all purchases without having to worry about a spending cap. Points can be redeemed for merchandise, gift cards, travel and more, with travel being the most lucrative option.

What is the minimum income for RBC Avion Visa Infinite?

Eligible candidates must have a minimum personal income of $60,000 or a household income of $100,000 to qualify for this credit card.

Does RBC Avion Visa Infinite have lounge access?

No, the RBC Avion Visa Infinite credit card does not offer cardholders any type of lounge access.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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HelloSafe » Travel Insurance » RBC

Is RBC travel insurance the best in 2024?

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Information verified by Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is a necessity when you are away from home . It guarantees your ability to access and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues, lost luggage, and more.

While you're looking at options, have you considered RBC travel insurance? What does RBC cover? For what price? What are its pros and cons? Read our review on RBC travel insurance, get a quote, and see how the competitors fare.

Our 2024 review of RBC travel insurance

The Royal Bank of Canada, often abbreviated to RBC, is a global financial institution and one of the largest banks in Canada. Buying RBC Travel insurance means getting coverage from a trusted brand. A variety of plans means that you can buy the right amount of coverage for your trip and medical needs.

Continue below for RBC travel insurance pros and cons:

Why RBC could be right for you:

Unlimited medical benefits
Easy, online application
Enjoy coverage for your items as well – they are covered against theft, loss, damage and delay.
24/7 global telephone assistance.

Why RBC may not be right for you:

Unlimited emergency medical coverage is limited to just $20,000 if you do not have a valid government health insurance plan
RBC's Emergency Medical Insurance Coverage is only for Canadian residents only.
Less generous Covid-19 coverage that many competitors

Before choosing RBC, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does RBC travel insurance cover?

RBC offers a wide range of plans covering emergency medical intervention, trip cancellation and coverage on personal items and accidents during your trip and journey. Here are the types of plans available with RBC:

For more information, download the PDF below:

The Travel within Canada package covers unlimited emergency medical interventions for all domestic travels in Canada. It also features extensive benefits on trip cancellation, interruptions and flight accidents.

RBC offers Visitors to Canada Insurance. This covers both emergency and general medical interventions. Personal items are also covered from theft, loss or damage.

Students coming into Canada can also take advantage of the RBC travel insurance package for students. It is extensive and caters for general and emergency medical interventions. The rbc travel medical insurance is quite comprehensive providing coverage up to $5 million and on par with other popular insurances like Manulife travel insurance .

What does RBC Avion travel insurance cover?

Apart from traditional travel insurance, there is also RBC credit card travel insurance available for cardholders.

RBC avion travel insurance can be accessed through the RBC Avion Visa Infinite Privilege card that comes at an annual fee of $399.

In the event of medical emergencies, the RBC Avion provides emergency medical coverage of up to $5 Million for a period of 31 days. For trip cancellations, the insurance offers protection of up to $2,500 per insured person, allowing you to recover non-refundable expenses.

Additionally, if your trip gets interrupted for covered reasons, such as illness or a family emergency, the insurance provides coverage of up to $5,000 per insured person to compensate for the costs incurred.

In the event of flight delays, the RBC Avion offers coverage of up to $1,000 to assist with additional expenses and inconvenience. For lost or stolen baggage, there is a coverage of up to $2,500.

Moreover, in the unfortunate event of hotel burglary, the insurance provides coverage of up to $3,000, offering financial protection for your belongings. The travel accident coverage provides up to $500,000 in coverage. It also covers rental car loss or damage.

Pros of rbc avion

Faster security clearance at prime Canadian airports
Extensive medical coverage
Rental car coverage

Cons of rbc avion

High income requirement of personal or household $200,000
High annual fee

For assistance, you can contact: 1-800-533-2778 toll-free from the US & Canada or 905-816-2581 collect from anywhere in the world .

What is RBC westjet mastercard travel insurance coverage?

The RBC westjet Mastercard travel insurance provides $500,000 accident coverage when you're traveling. It also includes a hotel/motel burglary coverage of $2,500 per incident.

It also includes emergency purchases insurances to cover you during unexpected incidents by up to $500. Flight Delay Insurance of $250 per day per covered person is also included.

There is also emergency medical insurance coverage for the first 15 consecutive days of your trip if you are under 65. For those above the age of 65, the coverage is for 3 days. Check with your provider for the complete information on the coverage.

What does RBC preferred visa travel insurance cover?

Apart from the aforementioned options, there is also the RBC preferred visa travel insurance specifically for Preferred Visa cardholders.

There is Emergency Medical insurance coverage that includes hospital, doctor fee, prescription drugs, and more. The insurance also covers trip cancelations and trip interruptions.

It is to be noting that pre-existing medical conditions that are not stable are not covered. However, it's best to review the complete document or speak to RBC customer care to get the complete and up-to-date information.

Good to know

There is also RBC world elite mastercard travel insurance and RBC visa gold travel insurance provided for cardholders. Both these insurances should cover emergency medical insurance, trip cancellation and interruptions, accident insurance, and flight delays, among other essential coverage. Please contact RBC customer care for more information.

Does RBC travel insurance cover covid?

RBC travel insurance covid coverage is available under its travel insurance plans. It provides emergency medical coverage for medical expenses related to COVID-19, as long as there are no travel-ban advisories issued by the Canadian government on the day you depart on your trip.

Regarding trip cancellation or interruption benefits related to COVID-19, RBC Insurance will not pay unless certain conditions are met. These conditions include:

If you get sick with COVID-19, preventing you from traveling as planned.
If your spouse and/or children become sick with COVID-19, preventing you from traveling as planned.

In these situations, RBC Insurance may provide coverage for trip cancellation or interruption expenses. However, it's important to carefully review the specific terms and conditions of your policy, as they may contain additional requirements or limitations for coverage related to COVID-19.

How much does RBC travel insurance cost?

The price of travel insurance coverage depends on:

Your desired coverage and otpions.
Your deductible.
Your waiting period.
Your destination(s).
The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customized for your unique needs.

How to buy RBC travel insurance?

RBC packages are available through their website or by calling RBC travel insurance contact at 1-800-565-3129 or 1-866-317-3122. You could also fill in your details on the RBC website and an advisor will get in touch with you with quotes based on your unique needs.

Before settling on RBC, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

Is there RBC travel insurance for seniors?

Yes, RBC travel insurance for seniors provides affordable plans for mature travellers , offering coverage for essential medical expenses, lost baggage, trip cancellation, and more.

RBC medical travel insurance for seniors services include 24-hour worldwide emergency medical and travelling assistance with multilingual professionals available round the clock. They offer unlimited coverage for eligible medical expenses not covered by government health insurance and provide coverage for stable pre-existing conditions.

RBC ensures safe transportation to the nearest medical facility and even covers the cost for a companion to travel to your bedside. They facilitate direct payment of medical bills whenever possible and have packages tailored to all age groups, including seniors.

They may require you to answer some health-related questions for individuals aged 65 and above to make sure you get the most appropriate coverage.

How to file RBC travel insurance claim ?

Claims can be filed directly on their website. You will have to fill up a claim form, like the one attached below, to initiate the process. You will have to provide supporting documents like proofs from your physician in case of medical claims.

In case of travel interruptions or delays, you must provide documents of your reservations and flight details and cancelations if any.

You can also file your claim by calling the following phone numbers:

1-800-387-2487 (Toll-free from Canada and USA)
905-816-2561 (Collect from anywhere)
1-800-263-8944

How can I contact RBC travel insurance?

For any queries, you can reach the RBC's customer care at the following phone numbers:

1-800-387-2487 (Canada and USA)
+1-905-816-2561 (Worldwide)

How to cancel RBC travel insurance?

In case you want to cancel your policy, you can contact the RBC travel insurance phone number 1-800-565-3129 and follow the instructions.

If you cancel the insurance within 10 days of purchase of the policy and have no initiated any claim and haven't left for your trip, you are eligible for a full refund. If more than 10 days has passed, contact the RBC customer care for further details.

You can also refer to the " insurance premium " section of you insurance document to find details on cancellation and charges.

Now that you know everything you need to in order to decide if RBC is the right fit for you, you can use our comparator to compare other insurances and also get quotes to make the best decision.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

Best RBC credit card by category

The best rbc credit cards offer premium options, travel perks and student rewards. compare the best rbc credit card for your needs below..

In this guide

Types of RBC credit cards available

The benefits of rbc credit cards, how to apply for an rbc credit card, compare rbc credit cards vs. other credit cards, rbc credit card faqs.

The range of RBC credit card options cover a vast variety of standard, premium, business, rewards, student and balance transfer credit cards. Depending on the RBC credit card you choose, you may be rewarded with points per dollar spent, low interest rates, zero or low annual fees, complimentary perks and many other rewards.

Our best RBC credit card guide below covers the different types of RBC credit cards offered, as well as the features and benefits of the different cards. Learn about the eligibility requirements, as well as how to apply for an RBC credit card. Finally, we cover some of the most frequently asked questions when it comes to RBC credit cards.

Best RBC credit card for earning rewards on everyday spending: RBC ION Visa

Best R BC credit card for cash back: RBC Cash Back Preferred World Elite Mastercard:
Best no-fee RBC credit card for cash back: RBC Cash Back Mastercard

Best RBC Avion credit card: RBC Avion Visa Infinite

Best rbc airline travel credit card: westjet rbc world elite mastercard.

Pros & Cons
Annual fee. This card has an annual fee of $0.
Earn rewards. Earn 1.5 Avion points for every $1 spent on groceries, rideshares, daily transit, digital gaming, streaming, subscriptions and more. Earn 1 Avion point for every $1 spent on all other qualifying purchases.
Save on gas and earn more. Save 3¢/L on fuel at Petro-Canada and earn 20% more Petro and Avion points when you pay with your card and link your Petro-Points membership.
Special offer. Get 6,000 Avion points when you get approved for the card.
Good credit is required. You'll need a score of at least 660 to qualify for this card.

Best RBC cash back credit card: RBC Cash Back Preferred World Elite Mastercard

Earn rewards. Earn up to 1.5% cash back on all eligible purchases.
Earn more. Link your card and instantly save 3¢/L on fuel at Petro-Canada and always earn 20% more Petro-Points. Get 50 Be Well points at Rexall for every $1 spent on eligible products and redeem your points faster with 25,000 Be Well points for $10. Plus, save at DoorDash with $0 delivery fees for 12 months and get unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Travel perks. Get mobile internet access at over 1 million hotspots worldwide and on select airlines with Boingo. You can also get Mastercard Travel Rewards cash rebates at international retailers and restaurants. This card also comes with Mastercard Airport Experiences provided by LoungeKey to 800+ airport lounges worldwide (fees apply for lounge access).
Car rental coverage. Car rental insurance covers loss and damages up to the actual cash value of the damaged or stolen rental vehicle, along with valid rental agency towing and loss of use charges.
Annual fee. This card has an annual fee of $99.
Currency conversion. The RBC Cash Back Preferred World Elite Mastercard has a foreign transaction fee of 2.5%.
Minimum income requirement. You'll need to earn a personal income of at least $80,000, or a combined household income of at least $150,000 annually to apply.

Best RBC no-fee cash back card: RBC Cash Back Mastercard

Earn rewards. Get up to 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
Earn more. Link your card to Petro-Canada to save 3 cents per litre on fuel and earn 20% more Petro-Points. Get 50 Be Well points per dollar spent at Rexall. Enjoy a free 3-month DashPass subscription with DoorDash, and get unlimited $0 delivery fees on orders of $15+ when you pay with your card.
Purchase protection. Purchase Security and Extended Warranty Insurance protects purchases made on your card against loss, theft or damage for up to 90 days, while also doubling the manufacturer's original Canadian warranty for up to 1 extra year..
Tiered earning. N/A
Currency conversion. This card has a foreign transaction fee of 2.5%.

Earn rewards. Earn 1 Avion point for every $1 you spend and an extra 25% on eligible travel purchases.
Special offer. Get 35,000 Welcome Points upon approval..
Travel coverage. Travel with ease with trip cancellation and trip interruption insurance, and emergency medical. Plus, get Mobile Device Insurance worth up to $1,500 of coverage and purchase protection on eligible purchases made with your card.
Travel perks. Earn an extra 25% on eligible travel related purchases, and get no blackout periods or seat restrictions. Eligible Avion Rewards members can also convert their points to other loyalty programs like WestJet dollars and Hudson’s Bay Rewards points.
Car rental coverage. Earn 3x the points and get 20% off at Hertz.
Annual fee. This card has an annual fee of $120.
Minimum income requirement. You'll need to earn a personal income of at least $60,000, or a combined household income of at least $100,000 annually to apply.

Earn rewards. Get 1.5% back in WestJet dollars on everyday purchases and 2% back on WestJet flights or vacations. You can use these dollars to purchase WestJet flights and vacation packages.
Earn more. If you link this card, you'll save 3¢/L on fuel at Petro-Canada and always earn 20% more Petro-Points. You'll also get 50 Be Well points at Rexall for every $1 spent and be able to redeem 25,000 Be Well points for $10. Plus, save at DoorDash with $0 delivery fees for 12 months and get unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Special offer. This card Get up to $450 WestJet dollars. Get 250 WestJet dollars upon your first purchase and 200 when you spend $5,000 in the first 3 months.
Travel coverage. You'll get This card comes with up to $500,000 Travel Accident Insurance plus coverage for out-of-province/country medical emergencies, trip interruptions, flight delays, emergency purchases and hotel/motel burglaries.
Travel perks. Tier status gives you more out of your travel experience with benefits like lounge access, priority services, advance seat selection, complimentary upgrades and higher WestJet dollar earn rates when you fly with WestJet. Plus, Receive an annual World Elite round-trip companion voucher. The primary cardholder and up to 8 guests get the first checked bag free on WestJet flights. You'll also get free wifi at over 1 million Boingo hotspots worldwide, and Mastercard Airport Experiences by LoungeKey to 800+ airport lounges worldwide (lounge access fees apply).
Purchase protection. Purchase Security covers eligible items charged to your card against accidental physical damage or loss for up to 90 days after the date of purchase. Extended Warranty Protection doubles the original manufacturer's warranty on eligible items up to a maximum of 1 year.
Annual fee. This card has a $119 annual fee.

How we chose the best RBC credit cards in Canada

We’ve chosen the credit cards on this page by considering a number of factors like rewards points, cash back, annual fees, interest rates, balance transfer offers and additional card benefits like signup bonuses. Since no single credit card will be the best choice for everyone, compare your options before deciding on the right card for your needs.

RBC Balance Transfer credit cards
RBC Travel Rewards credit cards
Avion Rewards credit cards

Earn RBC Avion Rewards on every dollar you spend, which can be redeemed for cash back, gas, travel rewards, merchandise and more. Most rewards cards come with complimentary extras including insurance and purchase security. Avion rewards cards include the RBC ION Visa and RBC ION+ Visa.

RBC Cash Back credit cards
RBC Student credit cards
RBC Business credit cards

Earn points for every dollar spent, as well as cash back or bonus welcome points. Choose from flexible and affordable cards with zero to low annual fees and low interest rates. Check out the RBC Business Cash Back Mastercard and the RBC Visa Business Card as examples.

RBC US dollar credit cards

Some of the features you can enjoy when you get an RBC credit card include:

RBC rewards

With an RBC credit card, you typically earn 1 point per $1-2 spent. Use your points to pay back your credit card balance or spend the points on merchandise through the online store.

RBC Internet and mobile banking

If you have an RBC credit card, you can access your account, including any debit or investment accounts, through RBC Online Banking. Furthermore, you can download the RBC app for your smartphone and access your accounts that way too. This means you can manage your account, pay bills, send transfers to other accounts in Canada and overseas, request a credit limit increase or apply for another RBC product at any time online or via the mobile app.

RBC credit card complimentary extras

Many RBC credit cards come with complimentary extras including Purchase Security and Extended Warranty Insurance. Premium cards, including black, gold and platinum credit cards, come with additional complimentary extras which may include travel insurance, car rental insurance, concierge services, airport lounge access, vouchers, memberships, luxury travel benefits and other extensive insurance coverage.

RBC credit cards security

Gas rewards.

If you’ve done your research and compared different credit card providers and have decided you’d like to apply for an RBC credit card, you can begin your secure online application by heading to the RBC website. This will take you to a secure RBC credit card application page, where you will be able to begin the application process if you have all of the necessary documents and details ready.

Before you get started on your application, ensure that you meet the eligibility requirements for the specific credit card and make sure that you have the necessary documents on hand. Eligibility requirements typically vary between cards but generally include the following:

RBC credit card eligibility requirements

How old are you? You should be at least 18 years old to apply for your own credit card.
What is your Canadian residency status? You usually need to be a Canadian citizen or a permanent resident of Canada to apply for a Canadian credit card.
What is your credit history like? Ideally, you should have a good to excellent credit score and no recent evidence of defaults or bankruptcy. Some cards will accept fair to poor credit, however check with the provider on the specific card before you apply if you have less than good credit.

Information you will need for your RBC credit card application

If you meet the eligibility requirements for the credit card, you can proceed with your application by collecting the following information:

Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
Financial information. You will also need to detail information about your current employment, income and assets like shares or property and your employer’s contact details. If you’re self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.

Related: Compare Canada's big 5 banks

We’ve curated a list of the most commonly asked questions about RBC credit cards. If you can’t find the answer to your question here, or if you’d like to leave us some feedback, get in touch with us using the form at the bottom of this page.

How do I activate my RBC credit card?

You will receive your new RBC credit card in the mail and the card will have a phone number on it. You will need to call this number to activate your card. You will be required to confirm your identity and provide some details of the new card. Once you have activated your card via telephone, you will be able to use it immediately.

How do I access RBC Online Banking?

You can access RBC Online Banking via the secure RBC website. Alternatively, you can access your online banking details through the official RBC mobile app.

How is interest calculated on my RBC credit card?

If you have a balance on your RBC credit card, interest will be calculated daily and charged monthly. Interest rates in Canada vary greatly, and can be as low as 0% (for balance transfer credit cards) to as high as 36%. Typical interest rates sit between 19.99% – 22.99%.

How can I increase my RBC credit card limit?

You can increase your credit limit by contacting RBC. Alternatively, you can ask for an increase in your credit limit online or via the mobile app. You can also decrease your limit if you wish via the same methods.

My RBC credit card is about to expire. How do I get a new one?

You will automatically be sent a new credit card in the mail. If you don't receive one, reach out to RBC directly.

How do I dispute a transaction or report an unauthorized transaction on my RBC credit card?

If you think there has been an error regarding a transaction on your statement, contact the seller to try to resolve the issue. Be sure to carefully review the seller's return, refund and cancellation policies to make sure you've followed every one.

If you can't resolve matters with the seller or your card has been used to make an unauthorized transaction, call RBC credit card support at 1-800-769-2512 . You can also send RBC a secure message through the Online Banking Message Centre. Under the Customer Service tab, click Communications > Contact us > Email . View your email in the Sent Messages folder of the Message Centre.

How do I close my RBC credit card account?

You can close your RBC credit card account via Online Banking or by calling the bank or visiting a teller in person at a branch.

What other financial products does RBC offer?

RBC offers a multitude of other products including bank accounts , mortgages, investment accounts ( RBC Direct Investing ), savings and borrowing options , car insurance , home insurance, business solutions and financial advice.

What are Avion points worth?

The value of RBC Avion points depend on how you are redeeming them. When redeeming Avion points for gift cards, 140 Avion points is equal to $1 (0.71 CPP); when redeeming for travel: 172 Avion points equals $1 (0.58 CPP) and when using your Avion as Pay with Points, 172 Avion points is equal to $1 (0.58 CPP). For more on the Avion program, read our Avion guide .

Emma Balmforth

Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog. See full profile

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The Best Credit Cards for Travel Insurance

A man standing beside his luggage looking at an airport flight board

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.

I talk a lot about travel insurance on this website . I know it’s not an exciting topic, but it’s the one thing I won’t leave home without.

Travel insurance has saved me — and my readers — time and time again. I’ve had my gear broken and stolen, missed flights, needed doctor’s appointments, and even needed urgent medical care abroad.

I’ve learned the hard way how vital it is — especially as a budget traveler.

Fortunately, these days, many credit cards come with travel insurance. And while I always recommend that you get comprehensive travel insurance in addition, there are a number of cards out that offer pretty robust protection at no additional cost.

If you’re thinking about getting a new credit card, or if you want to know which of your current ones you can rely on for decent insurance, here’s a list of the best credit cards with travel insurance:

Table of Contents

How Credit Card Travel Insurance Works

My top pick: chase sapphire reserve®, capital one venture x, bilt rewards mastercard, the platinum card from american express, how to use your credit card’s travel insurance, frequently asked questions about credit card travel insurance.

Travel protection offered by credit cards does not cost anything extra, although nearly all of the cards that offer such insurance — with one notable exception (see below) — come with an annual fee.

It’s one of the many reasons that getting a card with an annual fee is worth it (and why I think that avoiding cards with annual fees is one of the biggest mistakes you can make when using credit cards for travel ). If something goes wrong while you’re on the road and your card’s insurance pays for it, you’ll more than recoup the annual fee right there.

The most important thing to know is that for the insurance to kick in, you must have paid for your trip using that card. However, once you do that, you’ll be covered.

While the payout limits vary greatly, as do the conditions that need to be met before coverage kicks in, these are general categories that credit card travel insurance usually covers:

Trip delay: covers meals, lodging, and other expenses if your trip is delayed at least six hours (for some cards, it must be at least 12)
Trip cancelation and interruption: reimburses trip costs if a covered reason (such as death in the family) causes you to cancel your trip or go home early
Rental car insurance: in the event of an accident, covers damage to the car; injuries are not covered (primary insurance kicks in before any other insurance, while if the card offers secondary insurance, you’ll have to file with your own car insurance first)
Baggage: covers delay of, loss of, or damage to your baggage
Accident insurance: in the case of death or dismemberment, you or your beneficiaries will receive a payout

While these are categories that credit cards with the best travel insurance generally include, always read the fine print of your coverage no matter what. There’s a lot in there that can change what you’re eligible for, such as what state you live in, the length of your trip, and more.

With that in mind, here are the best credit cards for travel insurance and what they cover:

This is my favorite premium rewards card . It offers the most comprehensive travel insurance out of any credit card and is one of the only ones to include any kind of medical insurance. The Reserve also offers airport lounge access, a fantastic roster of transfer partners, and an array of statement credits.

As a Visa Infinite® card, the Chase Sapphire Reserve’s travel insurance includes the following:

Primary car rental insurance up to $75,000 USD
Travel accident insurance up to $1,000,000 USD
Trip cancelation/interruption coverage up to $10,000 USD per person and $20,000 USD per trip
Trip delay coverage of $500 USD after delays of six hours or more
Lost luggage coverage up to $3,000 USD
$100 per day for up to five days if your baggage is delayed
Emergency medical and dental coverage up to $2,500 USD for treatment (minus a $50 USD deductible)
Emergency evacuation insurance up to $100,000 USD

LEARN MORE —> LEARN MORE

If you don’t want to pay the high annual fee for the Reserve, the card_name offers most of the same benefits for a much lower one ($95 USD). Just note that the Preferred comes with lower payouts and more restrictions (for example, trip delay coverage doesn’t kick in until a delay of at least 12 hours). Emergency medical and evacuation insurance also isn’t covered on the Preferred. You can read my review of it here .

Additionally, if you’re eligible for a business card, the card_name has the almost the same coverage as the Chase Sapphire Preferred.

A few years ago, Capital One overhauled its cards, and the Capital One Venture X now competes with the top brands, including some of the best travel protection around. You’ll also get a generous welcome offer, lounge access, travel credits, and a solid points-earning structure. It also offers particularly unique features: you’ll earn 2x points on every purchase, and there’s no fee for up to four authorized users.

As a Visa Infinite® card, coverage is similar to that offered by the Chase Sapphire Reserve (though it doesn’t offer baggage delay, medical, or evacuation coverage, all of which the Reserve does).

The Venture X offers these protections:

Trip cancelation and interruption coverage up to $2,000 USD per person, per trip
Up to $500 USD when travel is delayed by six hours or more
Lost luggage up to $3,000 USD
Cell phone protection up to $800 USD for repair or replacement (minus a $50 USD deductible)

If you don’t want to pay the $395 USD annual fee for the Venture X, the card_name offers solid travel protection at a lower annual fee ($95 USD), though without some significant benefits, like trip interruption, cancelation, or delay insurance.

The Bilt Mastercard is the only credit card that allows you to earn points by paying your rent (they offer bonus points and perks every Rent Day as well). It also offers the best travel insurance you can get on a card with no annual fee.

Since Bilt is a World Elite Mastercard, you’ll get access to that suite of travel insurance benefits. Notably, it doesn’t have accident insurance or medical coverage, so you’ll want to purchase additional travel insurance that does.

Bilt’s travel insurance includes the following:

Auto Rental Collision Damage Waiver that allows you to get reimbursed for covered damage to or theft of your rental car
Trip Cancellation and Interruption Protection that allows you to get reimbursement for nonrefundable common carrier tickets in the case of trip cancellation
Trip Delay Reimbursement that allows you to get reimbursed for eligible expenses incurred if your trip is delayed over six hours
Cellular Telephone Protection up to $800 USD against damage or theft (subject to a $25 USD deductible)

—> LEARN MORE

At $695 USD per year, the Platinum Card from American Express has the highest annual fee of any consumer travel card out there, but that doesn’t necessarily translate to better benefits across the board. While the Platinum does offer great travel insurance, the Chase Sapphire Reserve handily beats it in all categories.

However, the Platinum offers emergency evacuation and medical transport coverage (with no limit on cost), which can be huge if you end up needing to take advantage of it. Evacuation and transport costs can be incredibly expensive, costing upwards of $250,000 USD!

It also offers the best lounge access of any travel card, elite status benefits, travel perks, special hotel discounts, and luxury goods and service credits.

The Platinum Card’s protections include the following:

Trip cancelation and interruption coverage of $10,000 USD per person, per trip (on round-trip tickets only, $20,000 per 12 consecutive month period)*
Trip delay coverage up to $500 USD if six hours or more (on round-trip tickets only, 2 claims per card per 12 consecutive month period)*
Emergency evacuation and medical transport coverage: no limit; must be coordinated via the Premium Global Assist Hotline**
Cell phone protection up to $800 USD minus a $50 USD deductible^
Lost luggage coverage up to $3,000 USD per person^^
Secondary car rental coverage

Ensuring that you’re covered for your trip is pretty easy. Just follow these steps:

Use your card (or points associated with that card) to pay for your trip (flights, rental cars, hotels, etc.).
Keep all receipts, and take photos of everything if you need to file a claim (just in case).
Submit your claim ASAP if you need to file one.
Always read the fine print!

Do Visa credit cards come with travel insurance? Premium Visa cards come with travel insurance, and several on this list are Visa cards. Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, and Visa Signature Business Premium all offer some form of travel insurance. Coverage varies based on the type of card you choose.

Do credit cards automatically have travel insurance? No, which is why it’s important to know which ones do so that you can use the right card when paying for your trip. Most premium travel credit cards come with some form of insurance, but coverage does vary. Always read the fine print!

What’s the difference between credit card insurance and travel insurance? There is a lot of overlap between the two, such as trip and baggage delay coverage, trip cancelation/interruption coverage, and car rental insurance. The main difference is that standard travel insurance policies offer more comprehensive medical coverage. That’s why I always buy travel insurance before I go abroad.

How do you submit a claim for credit card insurance? Every card’s process is a bit different, but generally, you’ll need to file your claim online, including all supporting documentation. You can call the hotline on your card to get more information and to open a claim as well.

Does credit card insurance cover missed flights? It depends on the reason. Covered reasons (which depend on the card) often include a delayed flight that makes you miss your connection or an issue with your airplane or airline. But if you missed your 6am flight because you overslept, you’re out of luck.

If you’re deciding on which credit card is best for travel insurance, take a hard look at your needs so that you get the one that suits you best. If you never rent cars, you might not care about having the best car rental coverage. Maybe you care most about making sure you’re covered in the event of delays (after all, these are happening more these days). Either way, prioritize what’s important to you.

But no matter what card you get, I still recommend getting a comprehensive travel insurance policy to cover you for medical mishaps that may happen on the road. That way you’re protected no matter what happens.

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

SafetyWing (best for everyone)
Insure My Trip (for those 70 and over)
Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Advertiser Disclosure: “Nomadic Matt has partnered with CardRatings for our coverage of credit card products. Some or all of the card offers on this page are from advertisers and compensation may impact how and where card products appear on the site. Nomadic Matt and CardRatings may receive a commission from card issuers.”

Editorial Disclosure: “Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.”

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

**You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. 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.

^Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

^^Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (oneway or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. 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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Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

The Eiffel Tower in Paris, France in the summer

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Best credit cards for international travel in 2024

Dec 29, 2023 • 15 min read

Your next great adventure is never far away when you're maximizing points and benefits with the best cards; Mattertal, Switzerland © mbbirdy / Getty

This series of articles about credit cards, points and miles, and budgeting for travel is brought to you in partnership with The Points Guy .

Advertiser Disclosure: This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. All information about the Wells Fargo Autograph Card has been collected independently by Lonely Planet. This card is not available through Lonely Planet.

When traveling abroad, the right credit card can be as crucial as your passport. The best credit card can help you not only earn more rewards, but it can also provide valuable protections and benefits. A credit card can save you money on foreign transaction fees and protect your purchases from fraudulent activity and theft.

Some credit cards can make your travels more comfortable with valuable perks like lounge access, elite status benefits and travel insurance.

For international travel, you’ll want a credit card that waives foreign transaction fees and offers bonus points on travel along with travel insurance. We’ve taken the guesswork out of this task for you by rounding up the best credit cards for international travel:

How to get started with travel points and airline miles

The best credit cards for international travel in 2024:

Best overall: Chase Sapphire Preferred® Card
Best for luxury travel perks: The Platinum Card® from American Express *
Best for travel insurance: Chase Sapphire Reserve®
Best for tours and activities: Capital One Venture Rewards Credit Card
Best for dining around the world: American Express® Gold Card *
Best for no annual fee: Wells Fargo Autograph℠ Card

The best credit cards for airline miles

Chase Sapphire Preferred® Card: Best overall for international travel in 2024

The Chase Sapphire Preferred® Card is an excellent card for international travel because it checks all the boxes regarding benefits you’ll need when traveling abroad. The card provides vital travel protections and earns valuable rewards at a reasonable $95 annual fee. Cardholders earn 5 points per dollar on travel purchased through the Chase Travel℠ portal and 2 on all other travel purchases. The card also comes with valuable travel insurance, which is vital when traveling abroad.

Cardholders pay no foreign transaction fees, which hover around 3% for purchases abroad on standard credit cards. Whether paying your hotel bill or doing extra shopping, the waived fee can add substantial savings.

Sapphire Preferred cardholders get up to $10,000 per person in trip cancellation/interruption insurance, primary rental car coverage (in the U.S. and abroad), up to $100 per day in baggage delay insurance (maximum of five days) and up to $500 in trip delay reimbursement per ticket. These protections can be beneficial in case of travel delays or emergencies. While you may consider buying supplemental travel insurance for certain trips, these credit card protections provide excellent baseline coverage.

Welcome bonus: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Rewards: Earn 5X points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel℠ hotel credit); 3X points on dining at restaurants, including eligible delivery services, takeout and dining out; 3X points on online grocery purchases; 3X points on select streaming services; 2X points on all other travel; 1X on other purchases.

Travel benefits: Annual $50 Chase Travel℠ hotel credit, trip cancellation/interruption insurance, primary rental car insurance, trip delay reimbursement, baggage delay insurance, travel and emergency assistance services.

Credit score required: Good to Excellent.

Annual fee: $95. See rates and fees .

Generous category bonuses.
Excellent rewards program with a great selection of airline and hotel transfer partners.
$50 annual travel credit.
Extensive travel protections, including primary rental car insurance abroad.
The card is subject to Chase’s 5/24 rule (meaning you won’t be approved if you’ve opened five credit cards at any bank in the last 24 months).
The $50 annual hotel credit is limited to Chase Travel℠ bookings (and does not earn bonus points).

How to use points and miles to save money on travel

The Platinum Card® from American Express: Best for travel perks

No other credit card can compete with The Platinum Card® from American Express regarding travel perks. The card offers over $1,500 in annual statement credits for airline fees, hotel bookings and trusted-traveler programs like CLEAR® Plus and Global Entry . Global Entry is particularly useful for international trips, as it expedites the passport control process.

Cardholders can upgrade to Hilton Honors and Marriott Bonvoy Gold elite status without ever stepping foot in a hotel lobby. These higher status levels can provide added perks like room upgrades and complimentary breakfast, enhancing your hotel experience.

The Platinum Card 's travel protections can provide added peace of mind with trip delay coverage and cancellation/interruption insurance.*

Welcome bonus: Earn 80,000 points after $8,000 spent within six months of account opening.

Rewards: Earn 5X points on flights booked directly with airlines or Amex Travel (up to $500,000 per calendar year); 5X points on prepaid hotels booked with Amex Travel; 1X point on everything else.

Travel benefits: Annual airline fee credit up to $200; annual hotel booking credit up to $200 (Hotel Collection requires a minimum two-night stay); annual Uber Cash up to $200; $20 monthly digital entertainment credit for select streaming services; $155 Walmart+ Credit; $300 annual Equinox statement credit; $50 Saks credit issued semi-annually; $189 CLEAR Plus credit; Hilton and Marriott Gold elite status; elite status with Avis, Hertz and National rental car; trip delay insurance; trip cancellation & interruption insurance.

Credit score required: Good to Excellent.

Annual fee: $695. See rates and fees .

Wide range of travel credits that offset the annual fee (if you use them).
Earns valuable Membership Rewards points.
Exceptional travel protections.
High annual fee.
Category bonuses are limited to Amex Travel and direct bookings.
The current welcome bonus isn’t the highest to date, and the card is subject to the Amex once-per-lifetime rule.

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Earn 10x rewards on hotel stays with Chase Sapphire Reserve

Chase Sapphire Reserve®: Best for travel insurance

Comprehensive travel insurance is essential when traveling abroad – things always go wrong, and you don’t want to incur added expenses on top of your trip. The Chase Sapphire Reserve® provides exceptional travel insurance. Depending on your travel habits, you may not even need to buy a policy. Simply charge your travel expenses to the card, and you’ll be covered in case of trip delays, lost luggage and rental car accidents. The card provides emergency medical services and transportation up to $100,000 and trip cancellation/interruption coverage up to $10,000 per person and $20,000 per trip. In case of trip delays of six hours or longer, each passenger will be reimbursed up to $500 per ticket for meals and lodging.

If you arrive at your destination and discover your luggage is missing, you’ll get up to $3,000 per passenger to buy essentials. This policy also applies to damaged luggage, including carry-ons.

The Sapphire Reserve ’s auto rental collision damage waiver is one of the best in class. It applies to rentals made abroad and covers up to $75,000 in case of theft or collision damage.

Welcome bonus: Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Rewards: Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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.

Travel benefits: Up to $300 in annual travel statement credits, including airfare, hotels and rental cars; get 50% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠; Priority Pass Select membership; application fee credit towards Global Entry, TSA Precheck or NEXUS every four years; travel protections including cancellation/interruption insurance, trip delay reimbursement, primary rental car insurance, lost luggage reimbursement and emergency evacuation and transportation.

Credit score: Excellent.

Annual fee: $550 (plus $75 per authorized user). See rates and fees .

Comprehensive travel insurance when you use the Sapphire Card for booking.
Application fee credits for Global Entry, TSA Precheck and NEXUS.
Priority Pass Select membership for access to over 1300 airline lounges worldwide.
The $300 annual travel credit partially offsets the high annual fee.
Approval is subject to the Chase 5/24 rule (ie, you might not qualify for the card if you've signed up for 5 or more credit cards in the last 24 months).
$75 authorized user fee.

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Capital One Venture Card: Best for international tours and activities

The Capital One Venture Rewards Credit Card is the best card for tours and activities because it offers unlimited 2 miles per dollar on every purchase, making it easy to earn rewards quickly. Plus, the miles can be redeemed for any travel-related expense, so you can use them to book flights, hotels, rental cars and more.

Additionally, cardholders get six months of complimentary membership to The Cultivist. This subscription platform typically costs $40 per month and provides free admission to over 60 museums, including the New York Met, Paris Louvre and The Art Institute of Chicago. You can bring up to three guests for free, making the Venture Card a terrific credit card for tours and activities.

With its simple reward structure and no-hassle redemption process, the Capital One Venture Card is an ideal choice for travelers looking to save money on their next tour or activity.

Welcome bonus: Earn 75,000 bonus miles after spending $4,000 in the first three months of account opening.

Rewards: 5X miles on hotels and rental cars booked through Capital One Travel; 2X miles on all other purchases.

Travel benefits: Up to a $100 credit for Global Entry or TSA PreCheck, Hertz Five Star status, rental car insurance and travel accident insurance, Capital One Dining access; complimentary six-month membership to The Cultivist.

Credit score: Good to Excellent.

Annual fee: $95.

$100 credit towards Global Entry or TSA Precheck application fees every four years.
Generous lounge benefit for a $95 annual fee card.
Simple rewards structure with multiple international airline transfer partners.
Limited lounge network compared to other credit cards.

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American Express Gold Card: Best for dining around the world

Dining is one of the most significant expenses when you’re traveling abroad. The American Express Gold Card is the best card to pack in your wallet, earning 4 points per dollar spent at restaurants. The card also earns 3X points on flights booked directly with airlines or Amex Travel so that you can maximize every dollar spent on vacation.

The Amex Gold Card also offers up to $10 in monthly Uber Cash and another $10 towards Grubhub, Cheesecake Factory, Goldbelly, Milk Bar and select Shake Shack locations. Granted, you may not find many Cheesecake Factories abroad, but it’s a nice bonus that could come in handy during domestic travels. The card qualifies for Amex Offers, a rotating list of discounts at popular retailers, restaurants and hotels. You can save hundreds of dollars by taking advantage of dining deals through this portal.

Welcome bonus: Earn 60,000 Membership Rewards points after you spend $6,000 within the first six months of account opening.

Rewards: Earn 4X points at restaurants; 4X points at U.S. supermarkets (up to $25,000 per year in purchases and then 1x after); 3X points on flights booked directly with airlines or Amex Travel; 1X points on all other purchases.

Travel benefits: Receive up to $10 in monthly Uber Cash (valid for rides or Uber Eats orders); up to $10 in monthly dining credit at Grubhub, Cheesecake Factory, Goldbelly, Milk Bar and select Shake Shack locations; secondary rental car coverage*; baggage insurance plan; Global Assist hotline; access to experience credits and travel perks through The Hotel Collection.

Credit score: Good to Excellent.

Annual fee: $250. See rates and fees .

High earnings on popular travel spending categories.
Up to $240 in annual dining credits.
Amex Offers provides additional savings on travel.
Includes valuable travel protections.
The current welcome bonus isn’t the highest to date.
The card is subject to American Express’s once-per-lifetime rule.

American Express Gold Card review: a 'gold' standard with impressive benefits

Wells Fargo Autograph℠ Card: Best for no annual fee

The Wells Fargo Autograph℠ Card is a great option for international travel if you want a card that earns generous rewards and minimal fees. The card waives foreign transaction fees, which is unusual for a card with no annual fee. It also offers generous bonuses on popular travel spending categories like dining, gas, transit, airfare, hotels, rental cars and cruises. With a 0% intro APR for 12 months, this is an excellent choice if you need to finance some purchases in the short term.

Welcome bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first three months.

Rewards: Earn 3X points on travel, gas, restaurant, transit and popular streaming services; 1X points on all other purchases.

Travel benefits: Secondary rental car insurance in the US., primary rental car coverage abroad, travel and emergency services assistance, emergency cash disbursement and card replacement, cell phone protection (up to $600 per year).

Annual fee: $0.

High earning potential in board travel spending categories.
One of the few credit cards offering cell phone protection.
Primary rental car coverage abroad and secondary in the U.S.
Low welcome bonus.
Points are not transferable to airline or hotel loyalty programs.
No travel protections outside of rental car insurance.

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Consider upgrading your travel experience with the right credit card

Who should get a credit card for international travel?

Anyone who frequently travels internationally should consider getting a credit card for international travel. There are added costs and hassles associated with traveling abroad that these credit cards can eliminate. With the right credit card, you’ll earn bonus points in popular spending categories restricted abroad.

You don’t have to be a frequent traveler to benefit from these cards either. They can provide peace of mind by serving as a backup form of payment if your debit or cash is lost or stolen while abroad. In fact, the right credit card can serve you well even when you’re just going about your daily routine.

Below are some of the features and benefits you should look for when choosing a credit card for international travel:

Traveling to Europe using points and miles

How to choose the best credit card for international travel

When it comes to international travel, selecting the right credit card is essential. The right credit card can save you money on fees and travel expenses and provide you with a range of benefits to make your trip easier and more enjoyable. Here are some tips for choosing the best credit card for international travel:

No foreign transaction fees: Many credit cards charge a fee of up to 3% when you use them abroad. Look for a card that doesn’t charge these fees so you can save money when making purchases in other countries.

Bonus points on travel: Many cards offer rewards in popular spending categories like travel, dining, groceries and gas. These points can then be redeemed for free flights, hotel stays or other travel perks. Some credit cards limit bonus points on dining and grocery spending to U.S. supermarkets and restaurants only. You’ll want a card in your wallet that offers bonus points in the U.S. and abroad since these expenses add up during travels.

Trusted traveler programs: Navigating airports can be a stressful experience both in the U.S. and abroad. Trusted traveler programs like TSA Precheck , Global Entry and NEXUS can eliminate the hassle (and long lines). When choosing a credit card for international travel, consider one that offers an application fee credit for trusted traveler programs. These credits can offset high annual fees and make your next trip abroad much more pleasant.

TSA PreCheck vs. Global Entry: A guide to picking the best one for you

Unlock benefits like seat upgrades with the best international travel cards

International credit cards FAQ

Which cards are best for international travel.

The best international travel cards are those with no foreign transaction fees, offer travel protections and earn bonus rewards on travel purchases. Some of the top cards for international travel include the Chase Sapphire Preferred , Capital One Venture Rewards Credit Card and The Platinum Card® from American Express .

The best credit cards for airport lounge access

What’s the advantage of using a credit card when traveling internationally?

The main advantage of using a credit card when traveling abroad is its convenience and security. Credit cards offer a secure way to make purchases without carrying large amounts of cash. Some credit cards also earn rewards on travel purchases, offer travel insurance and waive foreign exchange fees.

The best credit cards with no international fees

Is American Express or Visa better for international travel?

It depends on the country you are traveling to and which cards are accepted in that country. Generally, Visa is accepted more widely than American Express, so it may be the better option for international travel.

The best travel credit cards

* Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/ benefitsguide for more details. Underwritten by Amex Assurance Company.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

This article was first published Aug 2, 2023 and updated Dec 29, 2023.

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit cards

Best travel credit cards of June 2024

Robin Saks Frankel

Grace Pilling

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 12:58 p.m. UTC June 5, 2024

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The best credit cards for travel set themselves apart from other credit cards by offering an array of benefits that make it easier and more rewarding to explore the world. These travel credit card offerings provide generous rewards and perks tailored to the needs of those on the go.

We analyzed all of the available options in this category, from issuers both large and small, to curate a list of the very best travel credit cards of 2024. Here are our selections.

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Blueprint receives compensation from our partners for featured offers, which impacts how and where the placement is displayed.

The Platinum Card® from American Express

Welcome bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

Over $1,500 in travel and entertainment credits can offset the annual fee.
Comprehensive lounge access benefit.
Generous travel and purchase protections.
High annual fee and spending requirements.
Amex’s once-per-lifetime rule limits welcome bonus eligibility.
Annual statement credits have limited use.

Card details

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, 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.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$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. Terms Apply.
$189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.

Best travel credit cards

Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best credit card for travel.
IHG One Rewards Premier Credit Card * The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best hotel card.
Aeroplan® Credit Card * The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best cobranded airline card.
The Platinum Card® from American Express : Best for airport lounge access.
Capital One Venture Rewards Credit Card *: Best for simple redemption process.
Chase Sapphire Preferred® Card : Best for high value with a low annual fee.
Chase Sapphire Reserve® : Best for increased redemption value.
Wells Fargo Autograph Journey℠ Visa® Card *: Best for high rewards on all types of travel.
American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best for high rewards on travel and dining.
Bilt World Elite Mastercard® : Best travel credit card for renters.

All information about American Express® Green Card has been collected independently by Blueprint.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

85+ cards analyzed.
20+ data points analyzed.
5-step fact-checking process.

Best credit card for travel

Capital one venture x rewards credit card.

The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

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.

High reward potential.
Wide selection of statement credits.
No foreign transaction fees.
No hotel or airline-specific benefits.
Requires excellent credit.
High annual fee.
Annual fee: $395.
Rewards: 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.
Welcome bonus: 75,000 miles after spending $4,000 on purchases in the first three months of account opening.
APR: 19.99% to 29.99% variable APR on purchases and balance transfers .
Other perks and benefits: No foreign transaction fees, 10,000 mile card ownership anniversary bonus, $300 annual credit reimbursement for travel bookings made through Capital One Travel, $100 Global Entry or TSA PreCheck application reimbursement credit, airport lounge access benefits, cellphone protection benefit, transfer miles to travel and hotel partners, Hertz President’s Circle Status.

Best hotel card

Ihg one rewards premier credit card.

The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 140,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.

Earn up to 26 total points per $1 spent at IHG hotels.
Free night after your account anniversary each year.
Redeem three nights, get a fourth consecutive night free.
$99 annual fee.
Value per point may be low compared to competing hotel chains.
Potentially high APR.
Annual fee: $99.
Rewards: Earn 10 points per $1 at IHG Hotels and Resorts, another 10 points per $1 as an IHG One Rewards member, 6 points per $1 from IHG with Platinum Elite Status (a benefit of this card), 5 points per $1 on travel, dining and gas stations and 3 points per $1 on all other purchases.
Welcome bonus: Earn 140,000 points after spending $3,000 on purchases in the first three months of account opening.
APR: 21.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies .
Foreign transaction fees: None.
Perks and benefits: Free night after your account anniversary, redeem three award nights and get a fourth consecutive night free, automatic Platinum Elite status, baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance, credit of up to $100 to reimburse Global Entry, TSA PreCheck or NEXUS.

Best cobranded airline card

Aeroplan® credit card.

The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 70,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

Ability to spend your way to elite status is rare for a card at the $95 price point.
Generous rewards on everyday spending categories.
Discounts on award tickets.
Aeroplan charges high redemption rates on some award tickets compared to other Star Alliance carrier rates.
The annual fee may be hard to justify for those who don’t regularly fly Aeroplan to take advantage of the airline-specific perks.
Annual fee: $95.
Rewards: 3 points per $1 spent on dining, takeout and eligible delivery services, grocery stores and directly with Air Canada and 1 point per $1 on all other purchases. Earn 500 points for every $2,000 spent in a month (maximum 1,500 points per month).
Welcome offer: Earn 70,000 points after spending $3,000 on purchases in the first three months of account opening.
APR: 21.74% to 28.74% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.
Foreign transaction fees: $0.
Perks and benefits: Aeroplan 25K status through the rest of the calendar year and next. Maintain status with $15,000 spent in a calendar year. Existing status holders can upgrade to 35K status with $50,000 in spending per calendar year, first checked bag free for cardmember and up to eight travel companions, $100 Global Entry, TSA Precheck or NEXUS application fee credit every four years, preferred pricing on award flights, trip cancellation/interruption insurance, baggage delay insurance, trip delay reimbursement, secondary auto rental collision damage waiver, purchase protection.

Best for airport lounge access

Best for simple redemption process, capital one venture rewards credit card.

The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Decent value for the annual fee.
Worthwhile collection of perks and travel protections.
$95 annual fee.
No low introductory APR period.
Rewards: 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases.
Other perks and benefits: No foreign transaction fees, up to $100 credit towards Global Entry or TSA Precheck application fee, auto rental collision damage waiver, travel accident insurance, extended warranty benefit, transfer miles to eligible loyalty programs.

Best for high value with a low annual fee

Chase sapphire preferred® card.

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 Travel℠.

Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
$50 annual statement credit toward Chase Travel hotel bookings.
Valuable travel protections.
Category bonuses are limited and not competitive against other travel cards.
Transfer partner list is limited compared to programs like Amex Membership® Rewards and Citi ThankYou®.
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 Travel℠.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
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.
Member FDIC

Best for high rewards on all types of travel

Wells fargo autograph journey℠ visa® card.

The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

60,000 bonus rewards points after spending $4,000 in the first three months

Rewards: 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
Welcome bonus: 60,000 points after spending $4,000 in purchases in the first three months of account opening.
APR: 21.24%, 26.24%, or 29.99% variable APR on purchases and balance transfers. An intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies for 120 days from account opening. After that, a fee of up to 5% for each balance transfer, with a minimum of $5, applies.
Foreign transaction fee: None.

Best for high rewards on travel and dining

American express® green card.

The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.

Lower annual fee than some comparable cards.
Credits for CLEAR® Plus membership and airport lounges.
Fewer perks than more premium travel cards.
Complex rewards structure.
Some reward redemptions are a poor value.
Annual fee: $150.
Rewards: 3 points per $1 at restaurants, 3 points per $1 on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per $1 on other purchases. Welcome bonus: 40,000 Membership Rewards points after spending $3,000 in purchases in the first six months of card membership.
APR: See terms for Pay Over Time eligibility and program details.
Perks and benefits: Up to $100 LoungeBuddy statement credit, up to $189 CLEAR® Plus statement credit and additional travel protections.

Best travel credit card for renters

Bilt World Elite Mastercard®

Earns rewards on rent payments.
No transaction fee for paying rent by credit card.
No annual fee or Foreign Currency Conversion Fee.
You must make five transactions per billing period to earn rewards.
No welcome bonus or intro APR period.
Restrictive definition of what counts as a travel purchase.
$0 annual fee
Earn 3x points on dining, 2x points on travel (when booked directly with an airline, hotels, car rental agencies, and cruise lines), 1x points on rent payments without a transaction fee (on up to 100,000 points each calendar year) and 1x points on other purchases
Earn double points on the first of the month (i.e. 6X points on dining, 4X on travel and 2X on other purchases; except rent)
Earn points when you make 5 transactions that post each statement period
Cellular Telephone Protection
Purchase Security (theft and damage protection)
Concierge Service
Lyft Credits
No Foreign Currency Conversion Fee
Rewards & benefits terms
Select ‘Apply Now’ to learn more about the product features, terms, and conditions.

Compare the best credit cards for travel

Why it’s the best

The Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers great value with its lineup of travel credits, including a $300 annual credit reimbursement for travel bookings made through Capital One Travel — Capital One’s online travel agency. If fully maximized it can negate much of the card’s $395 annual fee. Plus, the card earns a 10,000-mile anniversary bonus each year. For a premium card, the Venture X is priced well below its peers.

Comes with airport lounge access.
Miles earned on the card can be transferred to multiple travel partners.
Elite rental status with Hertz¹.
The travel credit is only for bookings made through Capital One.
Redeeming your earnings for cash is a poor value.
There’s a sizable annual fee.

Card details:

Rewards: Earn 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.
Welcome bonus: Earn 75,000 miles after spending $4,000 on purchases in the first three months of account opening.

The IHG One Rewards Premier Credit Card * The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns rewards at a rapid pace, thanks to the automatic Platinum elite status granted to cardholders. The status, combined with the rewards earned from using the card at eligible IHG stays can earn you up to a whopping 26 points per dollar, fast-tracking you to free nights faster than you can say “InterContinental Hotels Group.”

Ultra-high rewards rate, especially on IHG spending.
Card offers a free anniversary night.
Robust travel protections and coverages.
The free anniversary night is capped at 40,000 points.
Points are relatively low value.
Travel coverage does not include auto rental insurance.

The Aeroplan® Credit Card * The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is one of just a small handful of airline credit cards to include elite status as a cardholder perk. The card also allows you to pay yourself back on eligible travel purchases at a rate of 1.25 cents per point, and Aeroplan miles can be used on more than 45 partner airlines, making it a must-have in the wallets of frequent globetrotters.

Offers elite status for the remainder of the year and the full calendar year.
Discounted pricing on reward flights.
Free checked bag for you and up to 8 companions.
Elite status isn’t an ongoing perk.
Aeroplan doesn’t have U.S.-only flights.
There’s an annual fee.
Rewards: Earn 3 points per $1 spent on dining, takeout and eligible delivery services, grocery stores and directly with Air Canada and 1 point per $1 on all other purchases. Earn 500 points for every $2,000 spent in a month (maximum 1,500 points per month).
Welcome bonus: Earn 70,000 points after spending $3,000 on purchases in the first three months of account opening.
Foreign transaction fee: $0.

The Platinum Card® from American Express (terms apply, rates & fees ) offers the most widespread lounge access benefits of any card on the market. While the high price point may be prohibitive for some, consider that the card offers more than a $1,000 value in potential statement credits. Enrollment is required for select benefits.

Expansive airport lounge access.
Up to $200 in Uber Cash annually, up to $200 airline incidental fee statement credit per calendar year (applicable to one qualifying airline of your choice) and an up to $240 digital entertainment statement credit. Enrollment required.
Hotel and rental car elite status with several brands.
Sky-high annual fee.
Statement credits can be hard to fully maximize.
Rewards rate is mediocre outside of flights and travel booked through Amex.
Annual fee: $695.
Rewards: Earn 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.
Welcome bonus: Earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases in the first six months of card membership.

The Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is an easy-to-use travel rewards card with a soft-on-the-wallet price. You can use your miles to book travel through Capital One, redeem them to cover a past travel purchase or transfer them to Capital One’s 15+ travel loyalty partners.

It’s easy to understand both earning the rewards and how to use them.
Application fee reimbursement for TSA PreCheck or Global Entry (up to $100).
Get Hertz Five Star rental card elite status¹.
No lounge access.
The highest rewards rate is for bookings through Capital One Travel.
Other cards may offer even higher rewards in areas where you spend the most.
Rewards: Earn 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases.

The Chase Sapphire Preferred® Card offers generous rewards on travel and dining and a straightforward redemption program. It’s an excellent choice for both frequent and aspiring travelers looking to maximize their everyday spending. Plus, rewards on this card are worth 25% more when redeemed for travel through Chase Travel℠. You’d be hard-pressed to find another travel card that packs more punch in an affordable package.

Annual bonus point award equal to 10% of total purchases made in the past year.
Can transfer points 1:1 to Chase’s travel loyalty partners.
Extensive travel and purchase protections including primary auto rental coverage.
Lacks airport lounge access and hotel elite status.
Rewards are worth less than a penny per point when not used for travel redemptions.
Hotel bookings made through Chase aren’t eligible for elite loyalty benefits.
Rewards: Earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
Welcome bonus: Earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.

The Wells Fargo Autograph Journey℠ Visa® Card * The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers fantastic rewards across all things travel, without having to pledge loyalty to a specific brand or book through the issuer. That makes it a unicorn among other travel cards that are either cobranded or require booking through the bank’s travel site.

Ultra-high rewards on hotels with any brand and high rewards on airfare and other travel.
Rewards can be pooled with other Wells Fargo cards.
Robust travel protections cover your trip, baggage and cellphone protection.
Limited number of travel transfer partners.
Lacks lounge access and other elite perks like hotel or rental car status.
Lackluster rewards on everyday spending categories like groceries and gas.
Rewards: Earn 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
Welcome bonus: Earn 60,000 points after spending $4,000 in purchases in the first three months of account opening.

The American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) may come with an annual fee slightly above its entry-level travel card peers, but its high rewards on travel and dining, plus the annual statement credits, can far outweigh that carrying cost.

Earns generous rewards on a wide array of travel spending, plus dining too.
Annual CLEAR ® Plus and LoungeBuddy credits are worth more than the annual fee. Enrollment required.
Valuable travel insurances and protections.
The LoungeBuddy credit may not be enough for frequent flyers.
The annual fee is higher than competing travel cards.
Redeeming your rewards for cash-back offers poor value for your points.
Rewards: Earn 3 points per $1 at restaurants, 3 points per $1 on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per $1 on other purchases.
Welcome bonus: Earn 40,000 Membership Rewards points after spending $3,000 in purchases in the first six months of card membership.

The Bilt World Elite Mastercard® is one-of-a-kind because you can earn rewards on paying rent without any additional transaction fees. Add in more than a dozen airline and hotel transfer partners, a long list of travel protections and other perks and this no-annual-fee card is one of the best travel cards on the market. You can even save up your Bilt Rewards toward a future down payment on a home.

Points are worth 25% more on travel booked through Bilt.
You can spend your way to elite status tiers, unlocking different benefits at each level.
The issuer offers bonus rewards and other benefits on the first of every month.
You have to use your card at least five times each statement period to earn rewards.
No welcome offer for new cardholders.
It’s best for renters as mortgage statements can’t be paid with the card.
Annual fee: $0.
Rewards: 1 point per $1 on rent payments without a transaction fee (on up to 100,000 points each year), 2 points per $1 on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), 3 points per $1 on dining and 1 point per $1 on other purchases. At least five transactions must be made per statement period to earn these rewards.
Welcome bonus: None.
Foreign currency conversion fee: None.

Methodology

Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:

Estimated annual earnings: 33%.
Flexibility of rewards earned on the card: 10%.
Booking flexibility with the card: 10%.
Hotel earnings: 8%.
Airline earnings: 8%.
Annual fee: 5%.
Free checked bag perk: 3%.
Lounge access: 3%.
Annual credits: 2%.
Potential credits: 2%.
Global Entry application fee reimbursement: 2%.
TSA PreCheck application fee reimbursement: 2%.
CLEAR Plus application fee reimbursement: 2%.
Trip delay coverage: 2%.
Trip cancellation coverage: 2%.
Baggage delay coverage: 2%.
Hotel elite status: 2%.
Number of travel companions eligible for primary cardholder’s checked bag perk: 1%.
Flight companion certificate with card ownership: 1%.

What is a travel credit card?

A travel credit card is a card that earns points or miles on your spending and usually offers the best redemption values when those rewards are used for travel.

Generally, there are two types of travel rewards cards:

Cobranded cards: These earn a specific currency tied to an airline or hotel brand, like Delta SkyMiles or Hilton Honors points.
Flexible cards: These earn “flexible” rewards, like American Express Membership Rewards or Citi ThankYou points, that can be used to book travel across several hotels and airlines.

Co-branded cards typically earn higher rewards for purchases made within the brand and general travel cards tend to earn rewards that can be redeemed for more types of travel.

How do travel credit cards work?

With a travel credit card, you’ll earn points or miles as you spend. When you’ve accumulated enough rewards, you can redeem them for flights, hotels and other travel expenses. Redemption options will vary depending on your card. Some issuers offer boosted redemption rates for booking through their travel portal, while others allow you to transfer points directly to airline and hotel partners or apply them as a statement credit to cover travel charges made with the card.

Many travel credit cards also come with perks for travelers, like a free checked bag for your flight, a free annual hotel night or a credit towards the application fee for a trusted traveler program like Global Entry or TSA PreCheck .

“Travel rewards cards are a great way to leverage personal and business card use and turn it into free airline tickets and hotel rooms. Be sure to choose a card that has rewards that are applicable to your preferred airline and hotel brands”, said John Ulzheimer, president of The Ulzheimer Group and nationally recognized credit expert.

Benefits of travel credit cards

Travel rewards credit cards offer a range of benefits to frequent and occasional travelers alike:

Earn rewards for everyday spending. Use your travel credit card to pay for purchases you’d be making anyway and earn rewards you can use for travel.
Lower the out-of-pocket cost of travel. Whether you use your points to pay for airfare, nights at a hotel or for a rental car, redeeming your earnings for travel can significantly reduce the cost of a trip.
Receive free nights, checked bags and other perks. Many cobranded credit cards come with a free night perk or waive the fees for checking luggage, both of which can save you money and may be worth more than the cost of the card itself.
Enjoy new travel experiences. Stories abound of people who have used their credit card rewards to take over-the-top luxury trips. Even if an overwater villa in the Maldives is not your thing, having enough points for a free flight or hotel may be enough incentive to nudge you towards taking a trip to a new city or to see family and friends in far-flung places.

What is Priority Pass and how does it work? Here’s everything you need to know about this airport lounge network

Who should get a travel credit card?

Most people can benefit from a travel credit card. Whether you’re a frequent traveler or are just looking for an occasional getaway, there’s likely a travel rewards card out there that can help you maximize your savings.

Consider how you like to travel and what you’re looking to achieve with a new travel card. Points and miles programs can be complex, and some travel credit cards require time and energy to get the most value. Other credit cards offer straightforward redemption as statement credits to offset a variety of travel spending you do directly with airlines, hotels and other travel services. Take time to plan how you would get the most out of a prospective rewards program and its transfer partners, or whether you’d be better off with a simpler approach.

Before you shell out a high annual fee for a perk-laden card, consider if the benefits it comes with are ones you’d actually use. In many cases, taking full advantage of statement credits, anniversary bonuses and other perks like free nights can more than offset the annual fee .

If you rarely travel and are considering saving up over a long period of time for a trip, keep in mind that rewards don’t earn interest. In fact, rewards often lose value over time and may even expire . It’s a general best practice not to sit on your rewards for too long.

Types of travel credit cards

Travel credit cards often provide a wide range of benefits, from travel and purchase protections to airfare and hotel redemptions.

Understanding the different types of travel rewards cards is the first step to finding the right card for you. There are several major types of travel credit cards:

Airline-specific cards

The best airline credit cards offer exclusive discounts and rewards when you use them with a specific airline. Many also offer free companion tickets or priority boarding benefits. Examples of cobranded airline cards include:

Aeroplan® Credit Card * The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
United℠ Explorer Card * The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
JetBlue Plus Card * The information for the JetBlue Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Hotel-specific cards

These cards may give you access to exclusive discounts at certain hotel chains and resorts, as well as rewards to be redeemed for free nights or upgrades. Hotel loyalty status is a common benefit among the best hotel credit cards . Examples of cobranded hotel cards include:

IHG One Rewards Premier Credit Card * The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Hilton Honors American Express Aspire Card * The information for the Hilton Honors American Express Aspire Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply)
Marriott Bonvoy Brilliant® American Express® Card (terms apply)

All information about Hilton Honors American Express Aspire Card has been collected independently by Blueprint.

Flexible points cards

These cards allow you to earn points for every dollar spent that can be redeemed for flights, hotel stays, car rentals and other travel bookings. Major issuers often offer boosted earning or redemption rates when using their online travel booking portals. These cards may also allow you to transfer points to airline or hotel partners, providing the most flexibility when it comes to redemptions. Examples include:

Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Chase Sapphire Reserve® * The information for the Chase Sapphire Reserve® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Flexible rewards vs. airline or hotel credit cards

For those who travel often but don’t have a particular brand loyalty, the best travel card is likely one that earns flexible rewards on every purchase. Flexible rewards are not tied to a specific airline or hotel loyalty program but rather to a card issuer’s travel agency redemption program. Chase Ultimate Rewards® and American Express Membership Rewards® are two examples, but Capital One offers Miles , Citi offers ThankYou® Points and other major issuers have similar reward programs.

Airline- and hotel-specific cards offer rewards tied to a loyalty program with the airline or hotel, and typically offer better value with that carrier or brand, but not as much flexibility with redemption options. Only apply for a card like this if you’re sure the brand is the one you want.

If you only take an occasional trip, then a more flexible reward card may be a better choice.

Cash-back cards offer simpler reward redemptions and the rewards earned can still be used toward future trips or redeemed for gift cards or other rewards if travel remains a priority.

How to compare and choose the best travel rewards card

When it comes to choosing the right card for your needs, there are several factors to consider:

What type of rewards do you want to earn? General points that can be used for travel expenses with different airlines and hotels are more flexible, but if you’re loyal to a particular travel brand you can earn their specific currency and enjoy elevated status and other perks.
Does the card come with a good welcome bonus? Many cards offer a generous welcome bonus (sometimes called a sign-up bonus) when you spend a certain amount on purchases in the first few months of receiving the card. This can be an easy way to get an infusion of rewards when you first open your account — but when calculating a card’s value, remember the welcome bonus is a one-time deal.
Are you willing to pay the annual fee? Some cards have no annual fee, while others come with a hefty price tag but offer more generous rewards or benefits. Make sure you understand all the fees before making a decision so that you don’t end up paying for benefits you won’t actually use.
Does it come with any additional benefits that offer value? Card perks such as travel insurance , airport lounge access or exclusive discounts and offers can help make your travel smoother and your card more cost effective.

Wondering how two top travel cards compare to each other? We break down the differences between the Capital One Venture X vs. the Chase Sapphire Reserve

Evaluating reward potential

“Something to keep in mind when it comes to earning travel rewards is that your mileage may vary. Often the best value redemptions will come when used for less-traveled destinations or off-peak travel times. And your rewards redemptions don’t have to be luxurious to be meaningful. Some of my most cherished memories have come from when I’ve used rewards to visit family and friends where the location was not the focus,” – Robin Saks Frankel, USA TODAY Blueprint lead editor credit cards

We evaluate the reward potential of travel rewards credit cards based on what we’d expect a household in the 50th percentile of wage earners to spend each year on a credit card. We gather these figures from government sources and other publicly available data.

In a year, we expect a household might spend about $25,087 of this on a credit card. Of this credit card spending, we’d expect about $2,941 to be spent on overall travel — which breaks down as $1,188 spent on airfare, $868 spent on hotels and $885 spent on all other travel. For frequent travelers carrying high-annual-fee travel rewards cards — like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which charges an annual fee of $395 — we expect about twice this much spending in the travel categories.

The Capital One Venture X earns 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in annual expenses they are likely to be able to charge to a credit card. Here’s how our sample household would fare with the Capital One Venture X Card:

The cardholder in this example earns a grand total of 85,350 miles annually, which is worth $853.50 if used to book travel through Capital One or when eligible travel is booked elsewhere and you redeem your miles to cover the purchase.

The right travel card can net you lucrative rewards. But make sure to select a card based on your spending and travel habits — the best card for travel will differ from person to person.

Tips for maximizing your travel credit card

There are several ways to get the most out of your travel credit card:

Pay your bill on time every month and aim to pay it in full. If you carry a balance, the accumulated interest fees will likely be more than the value of any rewards earned on the card.
Try to earn the card’s welcome bonus. Top travel cards offer outsized welcome bonuses for new cardholders who can meet a minimum spending requirement. Earning that bonus can give a nice boost to your rewards balance.
Be aware of the perks your card offers. Many travel cards offer discounts or statement credits for travel-related spending, like a discount within a hotel collection, cellphone insurance or elite status within a brand. Knowing what your card comes with means you can fully maximize those benefits.
Don’t sit on your rewards for too long. Unlike money in the bank, travel rewards do not earn interest and may actually be worth less over time. The value of your rewards is often tied to the cash price of travel and travel only tends to get more expensive year-over-year.

How to travel for cheaper with travel cards in 2024

New year, new travel possibilities. What’s more, it’s entirely possible to travel for cheaper by maximizing your credit card strategy with the right travel cards in hand. There are droves of rewards cards to choose from, so it can be hard to choose the right one for you.

Travel credit cards earn points or miles that can be redeemed for flights, hotels, rental cars and more, helping you subsidize the cost of your trip expenses. Beyond earning rewards, some cards even come with airport lounge access or credits to offset your Global Entry or TSA PreCheck application fee.

For many travelers, a one-punch solution is the best fit. We’re talking about general travel credit cards , which earn rewards through a bank like American Express, Capital One, Chase, or Citi and don’t tie you to a specific airline or hotel program. Instead, the cardholder has the choice to redeem their earnings how they please toward any travel purchase.

Best places to travel with rewards in 2024

While a European summer vacation never goes out of style, traveling during the shoulder season is the true winner. With fewer crowds, cheaper accommodations and pleasant weather, a fall trip to Portugal this year should be on your list.

If you’ve got travel rewards cards from American Express, Bilt, Capital One, Chase or Citi, you can transfer your points or miles over to the Air Canada Aeroplan program. You can book a business class flight from Miami (MIA) to Lisbon (LIS) in October 2024 for just 70,000 miles one way.

There’s so much to love about Costa Rica, from its lush jungles to the natural wildlife. Plus, this Central American country is quite accessible from many states in the U.S. With two main international airports — Liberia (LIR) and San José (SJO) — the toughest decision you’ll need to make is which part of Costa Rica to visit.

Many major U.S. airlines fly to Costa Rica, so redeeming your rewards for a flight shouldn’t be too difficult depending on where your loyalty lies. For example, United Airlines offers a flight from Raleigh-Durham (RDU) to Liberia (LIR) with a layover in Houston (IAH). You’ll pay just 20,000 MileagePlus miles one-way — even during the peak winter season.

One of the best ways to fly the whole family to Hawaii is by setting your sights on the British Airways Avios program. Earning points is a breeze: You can transfer your American Express Membership Rewards® , Bilt Rewards, Chase Ultimate Rewards®, Citi ThankYou® Points or Capital One Miles to this program at a simple 1:1 ratio.

Because British Airways is part of the Oneworld airline alliance, you can redeem your Avios for partner airlines like American Airlines and Alaska Airlines. Both of these carriers offer plenty of routes to the Aloha State.

Nonstop routes are priced favorably for just 17,500 Avios plus $18.10 in taxes and fees for a one way flight from the West Coast. Depending on when you’re traveling, you may also be able to find multiple award seats per flight. This is great news for big families.

Alternatives to travel credit cards

Instead of earning points or miles, you might consider a cash-back credit card to get a percentage back on all your purchases. Cash-back cards are generally more straightforward than travel rewards programs — after all, a dollar is a dollar — and often come with no annual fees.

If you’re not ready to commit to a travel rewards program or simply don’t travel enough to reap the full benefits of a travel credit card, a cash-back credit card is a great way to still earn rewards on spending.

When it comes to choosing a cash-rewards card , you can keep it simple with a straightforward flat-rate card such as the Wells Fargo Active Cash® Card , which earns 2% cash rewards on purchases.

Or you can pick a card with higher rewards rates in your biggest spending categories. The Blue Cash Preferred® Card from American Express (terms apply, rates & fees ) offers 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on other purchases. Cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout. The card has a $0 intro annual fee for the first year, then $95.

Additional reporting by Stella Shon

Frequently asked questions (FAQs)

There’s no one “best” card that’s right for everyone. The best travel card for you will depend on a combination of factors including how often you travel, how you travel, your tolerance for annual fees and what you’re looking for in a travel card.

Generally speaking, the best travel credit cards earn bonus category rewards on airfare, hotels, car rentals and even dining. These cards typically also offer bonus points or miles when you spend a certain amount within the first few months of opening the account. Some will also offer perks such as travel protections, elite status with an airline or hotel loyalty program , priority boarding and airport lounge access.

The exact credit score needed for a travel rewards credit card will vary depending on the issuer and the specific card. Generally, you will need at least a good credit score, typically from 670 to 739 on the FICO Score scale — to be approved for most travel rewards cards. However, some of the more premium cards may require an excellent credit score, typically defined as a FICO Score of 740 or higher.

The most rewarding travel rewards cards, including most of the cards on this list, are not likely to offer approval to anyone without a good or better credit score. Some issuers also have rules in place preventing you from applying for a credit card, travel or otherwise, if you’ve applied for a certain number of cards within a certain period of time.

The best type of card for you will depend on your spending habits and your financial goals. If you’re a loyal frequent flyer with an airline, an airline rewards card might make the most sense. If you spend plentifully at a specific hotel brand, you may be better suited to a hotel credit card.

If you’re not sure, or you have a wider variety of needs, a card with flexible point currencies — like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. or Chase Sapphire Preferred Card — may be a better bet.

Finally, If you’re looking for a simple way to get cash back on everyday purchases, then a cash-back credit card may be the way to go. Ultimately, the best choice depends on your individual needs and preferences — and in some cases, you might have a pattern of spending that justifies having both in your wallet.

The exact value of a point or mile earned on a travel credit card will depend on the type of point or mile and how you redeem it. In most cases, you should look to get at least a penny per point of value. Points values vary because many airline and hotel pricing structures are dynamic and will change based on demand. The points values tend to be somewhat fixed however and this can lead to redemption values worth more – or less – than 1 cent each. Transferring rewards to airline programs when allowed and redeeming for business and first-class seating can often yield greater values per point.

Yes, travel credit cards with annual fees are worth it if you make the most of what the card has to offer. While travel credit cards with annual fees aren’t necessarily worth it for everyone, they certainly can be if you know you’ll get more value from the rewards and benefits than you’ll pay to hold the card each year. Generally speaking, the higher the annual fee, the better the perks.

If you’re earning flexible rewards such as American Express Membership Rewards® Points or Chase Ultimate Rewards®, these generally don’t expire as long as your account remains open and in good standing.

However, points or miles earned on cobranded cards are a mixed bag. Some points don’t expire for the life of your account, while others will expire if there’s no account activity within the last 12 to 24 months. Read your card’s terms and conditions to see the expiration policy for your rewards.

There’s no difference between points and miles on a credit card, they’re simply two different ways to describe rewards. Airline cards tend to use the term “miles” (probably because it evokes the spirit of the miles you fly), while hotel and general rewards cards tend to use the term “points.” However, the two terms serve the same purpose: they’re a way of measuring both the rewards you earn on a particular credit card and the number of rewards it will take for a particular redemption.

There’s no one “best” card for international travel since there’s no one “best” way to travel. The best credit card for international travel for you will be the one where the rewards rates best align with your spending patterns. You’ll also have to decide if a card that comes with robust benefits is worth paying the annual fee versus a card with less bountiful benefits but a lower annual fee.

For rates and fees for The Platinum Card® from American Express please visit this page .

For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page .

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

²Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

*The information for the Aeroplan® Credit Card, American Express® Green Card, Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, Chase Sapphire Reserve®, Hilton Honors American Express Aspire Card, IHG One Rewards Premier Credit Card, JetBlue Plus Card, United℠ Explorer Card and Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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Chase Sapphire Preferred Card review: A top travel and dining card

Chase Sapphire Preferred Card overview

The Chase Sapphire Preferred® Card is one of the best-known travel rewards credit cards , featuring 5 points per dollar on travel booked through Chase Travel℠ and Lyft purchases, 3 points per dollar on dining, select streaming services and online grocery store purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on everything else. These valuable points can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel℠. Card rating*: ⭐⭐⭐⭐½

* Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

At TPG, we always get asked an important question from beginner travelers looking to plan trips: Which travel credit card should I start with?

We almost universally recommend the Chase Sapphire Preferred® Card because it earns one of our favorite rewards currencies and comes with valuable perks for a low annual fee. In fact, many of us started our journey into points and miles with this card.

The Chase Sapphire Preferred is designed for frequent and casual travelers. With a $95 annual fee, it's not an expensive card, which makes it an especially good choice for beginners.

The recommended credit score is at least 700 to qualify for the Sapphire Preferred , but it's not unheard of for someone to be approved with a lower score.

Here's what you need to know about the Chase Sapphire Preferred and why it's one of the best cards out there .

Chase Sapphire Preferred pros and cons

Chase sapphire preferred welcome offer.

The Chase Sapphire Preferred has a welcome offer of 60,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening.

This haul of points is worth a minimum of $750 when redeemed for travel through the Chase portal, but you can maximize value by utilizing Chase's transfer partners. TPG values Chase Ultimate Rewards points at 2.05 cents each, making this bonus worth $1,230.

Related: How to redeem Chase Ultimate Rewards for maximum value

Chase Sapphire Preferred benefits

In addition to the sign-up bonus, there are many appealing perks to being a Sapphire Preferred cardholder.

You'll receive a statement credit of up to $50 on hotel stays purchased through Chase Travel upon opening the card and on each account anniversary. It's automatically applied to your account each year when you make an eligible charge. Note, however, that the $50 credit does not earn Chase Ultimate Rewards points.

I always use this hotel credit when I am overseas in a small city with no chain hotels where I won't earn any elite nights or loyalty points since booking through an OTA like Chase Travel typically doesn't qualify you for elite status benefits at hotels.

Cardholders also enjoy a 10% anniversary points bonus each year. This 10% bonus is based on your total spending during the account anniversary year at a rate of 1 point for each $10 spent. If, for example, you spend $100,000 on your Sapphire Preferred during your cardmember year, you'll receive 10,000 bonus points at the end of the year.

However, this 10% bonus is calculated from the dollars you spent rather than the points you earned, meaning you won't receive additional points by leveraging the card's bonus categories.

The Chase Sapphire Preferred also includes at least one year of complimentary DoorDash DashPass membership , which includes perks like free delivery and reduced service fees on eligible purchases (activate by Dec. 31). There is a cost associated with using food delivery services such as DoorDash, but this can be a valuable benefit if you already use the service.

Additionally, you'll get six months of Instacart+ and a $15 statement credit quarterly on qualifying Instacart purchases. You must enroll for this benefit by July 31 through the Instacart website .

Finally, the Sapphire Preferred is an ideal choice for travel bookings such as car rentals, cruises, plane tickets and hotels because it comes with comprehensive travel and purchase protections. Among them, cardholders can expect the following:

Primary rental car coverage
Trip delay insurance
Trip cancellation insurance
Baggage delay insurance
Lost luggage reimbursement
Purchase protection
Extended warranty protection

You can read more about the Chase Sapphire Preferred shopping and travel benefits here .

Related: 7 Chase Sapphire Preferred benefits you might not know about

Earning points with the Chase Sapphire Preferred

The Chase Sapphire Preferred has a simple earning structure that is easy to maximize :

5 points per dollar on travel booked through Chase Travel
5 points per dollar on Lyft purchases (through March 2025)
5 points per dollar on Peloton equipment and accessory purchases of $150 or more (through March 2025, with a limit of 25,000 bonus points)
3 points per dollar on dining, select streaming services and online grocery store purchases (excludes Target, Walmart and wholesale clubs)
2 points per dollar on all travel not booked through the Chase Travel portal
1 point per dollar on everything else

Those are some of the best earnings rates in the game, particularly when you consider you're earning valuable Chase Ultimate Rewards points.

Related: Why you'll want to pay the $95 annual fee on the Chase Sapphire Preferred

Redeeming points with the Chase Sapphire Preferred

When you're ready to redeem the points you've earned with the Chase Sapphire Preferred , you'll understand why the card shines.

You can use your points to purchase airfare, reserve hotel rooms and even rent a car through Chase Travel — all at a fixed rate of 1.25 cents per point. That means you don't need to worry about blackout dates or finding award space; you'll always have the option to book travel using your points. As long as a seat for sale on the flight you want or a hotel room is available to reserve with cash, you can pay for it with your points.

Just note that hotel reservations booked through third-party sites (including Chase Travel) typically won't earn points or count toward elite status qualification.

You also have the option to redeem your points for cash-back or gift cards at a rate of 1 cent per point or for a slightly higher value when you take advantage of Chase's Pay Yourself Back option. Still, these redemption options are less valuable than transferring your points to Chase's travel partners, so we recommend avoiding them when possible.

Related: 6 Chase Ultimate Rewards sweet spots

Transferring points with the Chase Sapphire Preferred

By transferring your Chase points, you can receive more than 1.25 cents per point in value by moving rewards to Chase's 14 airline and hotel partners . Some of the best Chase transfer partners include Hyatt , United , British Airways and Singapore Airlines for luxury hotels and plane seats.

Utilizing these transfer partners can net you phenomenal value. Chase frequently runs transfer bonus promotions where you can get up to 30% more points or miles when you transfer Ultimate Rewards to a transfer partner.

For example, TPG credit cards writer Chris Nelson regularly transfers points to Hyatt and has gotten rooms during peak season in Europe for as low as 4,000 points a night. Hyatt has plenty of great sweet spot redemptions, making it an especially valuable transfer partner.

Related: The complete guide to Chase Ultimate Rewards transfer partners

Which cards compete with the Chase Sapphire Preferred?

Many worthwhile mid-tier travel credit cards exist, but only a few can go toe-to-toe with the Sapphire Preferred . If you're trying to decide which is best for you, consider which card's earning power suits your spending habits and which transfer partners you're more likely to maximize.

If you prefer Capital One: The Capital One Venture Rewards Credit Card is your best bet. The card offers 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2 miles per dollar on all purchases, plus a welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. For more information, read our full review of the Capital One Venture Rewards Credit Card .
If you prefer American Express: The American Express® Green Card offers a high earning rate on travel, restaurants and transit. Annual Clear Plus and LoungeBuddy credits offset its $150 annual fee. Plus, Amex has more transfer partners than Chase and offers more transfer bonuses throughout the year.
If you want more perks: The Chase Sapphire Reserve® offers higher earning rates on travel purchases and more valuable benefits like a $300 annual travel credit and airport lounge access. For more information, read our full review of the Sapphire Reserve.

For additional options, check out our full list of the best starter credit cards .

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Read more: Chase Sapphire showdown: Sapphire Preferred vs. Sapphire Reserve

Bottom line

If you're ready to move beyond cash-back or fixed-value travel rewards credit cards, there is no better place to start than with the Chase Sapphire Preferred .

After its debut over a decade ago, it's still regarded as one of the best rewards credit cards . It earns some of the most valuable points and is flexible enough to meet the reward needs of frequent and newbie travelers alike. As long you're using the card frequently enough to get more than $95 in value from it, this card is definitely worth the annual cost.

Apply here: Chase Sapphire Preferred

Visa Infinite: Everything you need to know, from rental car perks to lounge access

I f you have a card like the Chase Sapphire Reserve® , United Club℠ Infinite Card or the U.S. Bank Altitude Reserve Visa Infinite® Card , you may have noticed that it carries " Visa Infinite " branding.

Since only a few cards in the U.S. are Visa Infinite products, we don't blame you if you're a bit clueless as to what this designation entails. In addition to the cards mentioned, there aren't many other Visa Infinite cards that are easy to obtain.

We'll outline the perks of the Visa Infinite program below, but the first thing to know is that Visa Infinite cards are a step up from the more common Visa Signature designation found on cards like the Chase Sapphire Preferred® Card .

As we review the benefits, remember these are the possible perks available through the Visa Infinite program. Specific issuers can tweak or exclude certain ones, as you'll see with the variation in lounge access benefits.

The information for the U.S. Bank Altitude Reserve card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The 10 most valuable World Elite Mastercard benefits

Travel and lifestyle benefits

Global entry application fee credit.

This Visa Infinite program will reimburse you for the $100 fee when you apply for Global Entry . While this program is worth signing up for to breeze through immigration, several other premium travel rewards cards also offer a Global Entry fee reimbursement , so this shouldn't factor too heavily in your decision to get a Visa Infinite card.

Car rental privileges

Cardholders get special discounts at car rental providers such as Avis , National and Hertz and are eligible for various VIP amenities. The Visa Infinite program offers primary car rental insurance (more on that later in the post), so using an eligible card could be a great choice for renting a set of wheels.

Visa Infinite Luxury Hotel Collection

When you book a hotel stay with a Visa Infinite card, you'll enjoy perks such as an automatic room upgrade on arrival (when available), free Wi-Fi and complimentary continental breakfast. Your Visa Infinite card will get you all the benefits available to Visa Signature cardholders, plus an extra amenity at over 200 locations.

Note that the extra amenity you receive will vary by location. If you're looking for a particular one, it's a good idea to verify what amenity you'll receive before booking.

Visa Infinite Concierge

Like most premium card programs, the Visa Infinite program includes a dedicated concierge service that can assist with travel and dining arrangements, shopping, access to exclusive events and more. You can expect great service and assistance with almost whatever outing you plan. The service is available 24/7, 365 days a year, and can be used domestically or abroad.

Priority Pass lounge access

Having a credit card with airport lounge access can be a game changer, and Priority Pass is the biggest airport lounge network with more than 1,500 locations worldwide. The exact lounge access privileges you'll get vary depending on the card.

For example, the Sapphire Reserve comes with a full Priority Pass Select membership , which gets the cardholder and up to two guests unlimited lounge visits. On the other hand, the Altitude Reserve card comes with eight Priority Pass lounge visits per year. Each person who visits, whether they're a guest or the primary cardholder, will use up one of these eight passes, so plan accordingly.

Airline incidentals statement credit

With your Visa Infinite card, you may enjoy rebates for certain expenses associated with your flight. Examples include checked luggage charges and inflight food purchases. This benefit isn't included on all Visa Infinite cards, so check your particular card's terms and benefits. For example, the Sapphire Reserve offers an up to $300 travel credit and airline incidental fees are included under eligible charges.

Related: Get perks just for signing up with these loyalty programs

Travel and lifestyle protections

Primary rental car insurance.

Through Visa Infinite, you can get primary coverage* for up to $75,000 due to damage (caused by collision or theft) to a rental car. Visa Infinite cards aren't the only options to offer this coverage — the Chase Sapphire Preferred and a few others do as well — but this is a great perk to have since you won't need to file a claim with your own insurance company in the event of an accident or theft.

Trip cancellation, interruption and delay insurance

Visa Infinite cards offer trip cancellation and interruption insurance.** This includes reimbursement of up to $2,000 per insured trip for nonrefundable expenses when you cancel a trip for a covered reason or when your trip is interrupted or delayed for a covered reason.

There's a full list of "covered reasons," but if you're suffering from a serious illness or injury, you can expect this benefit to be offered. In addition, Visa Infinite provides trip delay insurance.*** You'll get coverage for expenses (up to $500 per day) when a purchased trip is delayed more than six hours or requires an overnight stay.

Lost luggage reimbursement

Yet another travel protection Visa Infinite cardholders enjoy is lost luggage reimbursement.*** If your checked or carry-on baggage is lost or stolen on a common carrier, the program will reimburse you up to $3,000 (up to $2,000 for New York residents) per covered trip.

You're eligible for this coverage when you pay for at least a portion of the travel with your Visa Infinite card or with the rewards associated with the card. Having lost luggage protection is a great way to relieve stress during a trip. It's frustrating when an airline loses your luggage, but you can at least get some compensation with the right protection.

Extended warranty, purchase protection and return protection

When you purchase a product with a warranty of three years or less, you'll get an extra year of coverage*** for up to $10,000 per claim and up to $50,000 per cardholder. This isn't the only coverage option out there; for more options, take a look at our list of the best cards with extended warranty protection .

If an item is stolen or damaged within 90 days from the purchase date — and you purchased it with a Visa Infinite Card — you'll be covered for up to $10,000 per claim (up to $50,000 per cardholder). With purchase protection coverage,*** you can either be reimbursed, have the item repaired or get a replacement.

In addition to purchase protection that covers you in the event of theft or damage, the Visa Infinite program offers return protection*** coverage of up to $300 per item and $1,000 per year when you're unhappy with a product and the retailer won't accept a return. To be eligible, you must pay for the purchase with your Visa Infinite card and file a claim within 90 days of the purchase date.

Other protections that may be included with your Visa Infinite card include cellphone protection, emergency evacuation, hotel theft protection and price protection. Check the benefits of your specific Visa Infinite card to find out if it offers these protections.

*Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-infinite-credit-cards.html#2 for details. Policies are underwritten by Indemnity Insurance Company of North America.

**Terms, conditions and limitations apply. Visit https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-infinite-credit-cards.html#2 for details. Policies are underwritten by Federal Insurance Company.

***Terms, conditions and limitations apply. Visit https://usa.visa.com/pay-with-visa/cards/visa-credit-cards/visa-infinite-credit-cards.html#2 for details. Policies are underwritten by Indemnity Insurance Company of North America.

Related: Should you get travel insurance if you have credit card protection?

Bottom line

Like other premium credit card programs, Visa Infinite offers a nice array of benefits for your rewards credit card .

The airport lounge access and primary car rental insurance can certainly come in handy. Other perks like car rental discounts and special treatment at hotels aren't unique to the program, but they can absolutely add to the value you get from your card — not a bad thing if you're paying $550 a year for the Chase Sapphire Reserve .

Related: United Club Infinite Card vs. Chase Sapphire Reserve

IMAGES

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RBC® Travel Insurance
RBC Rewards Visa Preferred
RBC® Travel Insurance

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COMMENTS

PDF RBC Rewards Visa Preferred
2 Definitions Throughout this document, all italicized terms have the specific meaning explained below . Additional cardholder means a co-applicant or an authorized user. Applicant means a person who has signed and/or submitted an application as the primary cardholder for an RBC Rewards Visa Preferred card, to whom a card has been issued and in whose name the card account
Additional Coverage While You Travel
To submit a claim for travel insurance provided under your RBC credit card: Call: 1-800-464-3211. Visit: the Allianz Claims Portal to submit a claim online. Create an account (if you do not have one already) Sign in to the Claims portal to easily open a new claim, track the status of an existing claim, or complete an existing claim. Start A Claim.
Travel Insurance for RBC Clients
On May 1, 2020, we replaced Travel HealthProtector insurance with a new travel insurance product lineup. RBC clients 1 can now enjoy: More choice, including robust travel insurance packages and travel medical plans; Trip cancellation and interruption insurance as part of a package or stand-alone plan
RBC® Travel Insurance
All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details. Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.
PDF Feel secure, no matter where you are.
and travel protection. RBC Rewards Visa Preferred offers you the flexibility and security of comprehensive insurance coverage plus automatic enrolment in the Avion Rewards™ program. As an RBC Rewards Visa Preferred cardholder, exclusive privileges and numerous benefits are just some of the incredible options that are yours to enjoy.
PDF Product Summary of Insurance Coverages with the RBC Rewards® Visa
The maximum amount of coverage is $50,000, or the equivalent number of Avion points, per RBC Rewards Visa Preferred card per year. Purchase Security is classified as supplemental insurance, in that it covers expenses in excess of expenses payable by any other insurance plan.
Travel Insurance
For questions about travel insurance or claims. Speak to a Travel Advisor at 1-888-896-8172. Get a Quote. View Legal Disclaimers. Hide Legal Disclaimers. Get an online quote and buy travel insurance online, or call 1-866-896-8172. We offer affordable packages, travel medical plans, trip cancellation coverage and more.
Travel Medical Insurance for RBC Clients
Ages 0-74. For travellers who want the ability to take unlimited quick trips outside their home province or territory in the next year for one low price. Unlimited emergency medical. Disclaimer. 2. Direct payment of emergency medical bills. Disclaimer. 4. 24-hour worldwide emergency medical assistance.
Travel Medical Insurance
For travellers age 65 and up who need emergency medical coverage for trips outside their home province or territory. Unlimited emergency medical. Disclaimer. 1. Direct payment of emergency medical bills. Disclaimer. 3. 24-hour worldwide emergency medical assistance. A few health questions are required.
Trip Cancellation and Interruption Insurance for RBC Clients
Before Departure 2. Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge. See More.
RBC Rewards Visa Preferred Card
RBC Rewards Visa Preferred ... Travel Insurance. Insurance Name. Included. Amount. Duration. Trip Cancellation Insurance. 2 500 $ Trip Interruption Insurance. 2 500 $ Auto Rental Loss/Insurance. 65 000 $ 48 day(s) Hotel/Motel Burglary Insurance. 2 500 $ There may be a daily maximum amount depending on the type of fees paid.
Insurance Certificates
This insurance provides coverage whenever prepaid travel, accommodations and recreation arrangements were arranged by an agent, provided you pay the entire cost of these prepaid travel, accommodations and recreation arrangements with your RBC Royal Bank Visa Platinum Preferred card, and before any cancellation penalties have been incurred.
Trip Cancellation and Interruption Insurance
Before Departure 1. Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge. See More.
Insurance Certificates
RBC Royal Bank Visa* Platinum Preferred Travel Accident Insurance Certificate. This Certificate contains limitations of coverage. It should be read carefully, kept in a safe place and carried with you when you travel. This Certificate is effective May 1st, 2000 and is furnished to you, the Cardholder. Desjardins Financial Security Life ...
Insurance Certificates
Back to Documentation. RBC Royal Bank Visa Platinum Preferred Flight Delay Insurance. Introduction. IMPORTANT — PLEASE READ: This Certificate of Insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read this Certificate of Insurance, keep it in a safe place and carry it with you when you travel. ...
PDF YOUR GUIDE TO CARD BENEFITS Visa Signature Package
As an RBC Bank® Visa Signature cardholder, you are covered beginning on 4/15/21 or the date your credit card is issued, whichever is later. You and your dependents† become covered automatically when the entire Common Carrier fare is charged to your covered RBC Bank Visa Signature card account ("Covered Person").
RBC Avion Visa Infinite Credit Card
1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc., RBC Direct Investing Inc. (Member-Canadian Investor Protection Fund), RBC InvestEase Inc., RBC Global Asset Management Inc., Royal Trust Company or The Royal Trust Corporation of Canada
Protect yourself with travel insurance when you leave your ...
Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken ...
Travel Insurance for Seniors & Snowbirds
Here are just a few reasons to protect yourself with RBC Travel Insurance: 24-hour worldwide emergency medical and travel assistance. Caring, multi-lingual professionals, registered nurses and physicians are available around the clock to make sure you receive the proper help and care you need in case of a medical or other emergency.
RBC Rewards Visa Preferred by RBC Royal Bank
Annual Fee. $110. Purchase Rate. 19.99%. Cash Advance Rate. 21.99%. Travel with Protection While Enjoying a Wide Selection of Rewards. This premium RBC Rewards card offers you the flexibility and safety of comprehensive insurance coverage and a higher credit limit, plus enrollment in RBC Rewards, the reward program with the most flexible choices.
RBC Rewards Visa Preferred
RBC Rewards Visa Preferred. Interest Rates. 20.99 % Purchase. 22.99 % Cash Advance. ... Full details are available on rbcroyalbank.com. This insurance coverage is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who carry on business in Canada under the trade name of Assurant ...
RBC Avion Visa Infinite Review 2024: A Flexible Travel Credit ...
The RBC Avion Visa Infinite card is pretty basic in the grand scope of the Canadian travel credit card landscape. The regular earn rate is low (at 1 point for every dollar spent), and the only ...
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What does RBC preferred visa travel insurance cover? Apart from the aforementioned options, there is also the RBC preferred visa travel insurance specifically for Preferred Visa cardholders. There is Emergency Medical insurance coverage that includes hospital, doctor fee, prescription drugs, and more. The insurance also covers trip cancelations ...
Best RBC Credit Card by Category
The RBC Avion Visa Infinite is a solid travel card, offering perks and travel rewards for any frequent flyer. Earn 1 Avion point for every $1 you spend and an extra 25% on eligible travel purchases. Every 100 points you earn with this card equals CAD$1 that you can use for flights and other perks. You'll also get a suite of travel insurance ...
The Best Credit Cards for Travel Insurance (Updated 2024)
Frequently Asked Questions About Credit Card Travel Insurance . Do Visa credit cards come with travel insurance? Premium Visa cards come with travel insurance, and several on this list are Visa cards. Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, and Visa Signature Business Premium all offer some form of travel insurance.
How I saved more than $2,600 in 2 trips with my credit card's travel
If you regularly pay for travel insurance, at the car rental agency check-in desk or through a travel insurance company, simply using a card like the Chase Sapphire Preferred can save you a whole ...
Best credit cards for international travel 2024
Best overall: Chase Sapphire Preferred® Card; Best for luxury travel perks: The Platinum Card® from American Express* Best for travel insurance: Chase Sapphire Reserve® Best for tours and activities: Capital One Venture Rewards Credit Card; Best for dining around the world: American Express® Gold Card* Best for no annual fee: Wells Fargo ...
Best Travel Credit Cards of June 2024
Existing status holders can upgrade to 35K status with $50,000 in spending per calendar year, first checked bag free for cardmember and up to eight travel companions, $100 Global Entry, TSA ...
Chase Sapphire Preferred Card review: A top travel and dining card
Chase Sapphire Preferred Card overview. The Chase Sapphire Preferred® Card is one of the best-known travel rewards credit cards, featuring 5 points per dollar on travel booked through Chase Travel℠ and Lyft purchases, 3 points per dollar on dining, select streaming services and online grocery store purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on all other ...
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Related: Get perks just for signing up with these loyalty programs Travel and lifestyle protections Primary rental car insurance. Through Visa Infinite, you can get primary coverage* for up to ...