There isn’t any scarcity of nice perks you will get with a travel credit card, particularly with a number of stable choices presently available on the market.
Premium journey playing cards can defend you from dangers with journey and rental automobile insurance coverage and supply advantages like airport lounge entry and travel-focused annual assertion credit. In case you’re interested by a few of the journey perks you possibly can entry with a bank card, we now have you coated.
Lounge entry
Airport lounges are top-of-the-line elements of premium journey. They provide a spot to chill out and refuel whilst you wait to your flight. These days, a number of premium journey playing cards offer you entry to those lavish lounges.
The Capital One Venture X Rewards Credit Card provides complimentary entry to Capital One Lounges. You will additionally get pleasure from perks like 10,000 bonus miles each account anniversary.
New account holders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. Based mostly on TPG’s February 2026 valuations, this provide is price $1,388.
Alternatively, there’s the Chase Sapphire Reserve® (see rates and fees), which provides an expansive lounge community by means of a Priority Pass Choose membership. Cardholders even have entry to Chase’s rising community of Chase Sapphire Lounges by The Club.
You possibly can earn a welcome provide of 125,000 bonus factors after spending $6,000 on purchases within the first three months of account opening. Based mostly on our February 2026 valuations, this provide is price $2,563.
Associated: Best credit cards for airport lounge access
TSA PreCheck/World Entry credit
TSA PreCheck and Global Entry are packages that offer you expedited screening at U.S. airports for $85 (for TSA PreCheck) or $120 (for World Entry). In case you’re eligible, it is best to pay extra for Global Entry, as TSA PreCheck advantages are included.
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With the Capital One Venture Rewards Credit Card, you may get pleasure from a credit score of as much as $120 for World Entry or TSA PreCheck, letting you get pleasure from this system of your selection for less than a $95 annual price. The Enterprise Rewards card additionally provides no less than 2 miles per greenback spent on each buy, with no bonus classes to memorize and various different stable mid-tier perks.
One other card providing credit is the Bank of America® Premium Rewards® credit card. This card provides a TSA PreCheck/World Entry assertion credit score of as much as $100 each 4 years. Observe that this credit score is not going to cowl the total value of World Entry, however it is going to reduce down the associated fee to a really affordable quantity.
If you wish to save much more time, you possibly can seize a card that can reimburse you for an annual Clear Plus membership. The American Express® Green Card is certainly one of these playing cards, providing as much as $209 every calendar yr for a Clear Plus membership (enrollment is required; topic to auto-renewal).
The data for the American Categorical Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: Best credit cards for Global Entry and TSA PreCheck
Rental automobile insurance coverage
Among the finest journey rewards playing cards present main rental car insurance which will let you decline a rental firm’s collision harm waiver.
The Chase Sapphire Reserve and the Chase Sapphire Preferred® Card (see rates and fees) are two helpful playing cards that supply main rental automobile insurance coverage on most leases.
The Sapphire merchandise are among the many Most worthy playing cards for each journey freshmen and specialists. They provide perks that embody as much as $300 in annual travel credits (through the Sapphire Reserve) and a $50 annual lodge credit score for stays booked by means of Chase Travel℠ (through the Sapphire Most well-liked).
No overseas transaction charges
In case you journey internationally usually, you may need a card with no foreign transaction fees.
Playing cards just like the Sapphire Preferred and the Venture Rewards match that invoice. Every card allows you to make purchases worldwide with no further charges hooked up.
Take into account the Ink Business Preferred® Credit Card (see rates and fees) to your worldwide enterprise spending. The cardboard additionally provides bonus factors on well-liked enterprise bills, together with journey and promoting.
Journey insurance coverage
Travel insurance is a small factor that may stop an enormous trouble ought to one thing go mistaken in your subsequent journey. Playing cards just like the Sapphire Reserve have stable protections in place ought to an airline lose your checked bag or you end up delayed in a single day.
In case you’re a frequent flyer, you may need to take into account a premium airline card just like the United Club℠ Card (see rates and fees). This card provides nice worth for frequent United Airways flyers and gives important journey insurance coverage to assist mitigate danger.
In case you’re loyal to a different airline, take into account its high bank card as an alternative.
Free checked luggage
Most cobranded airline credit cards provide complimentary checked luggage for you and people touring together with your get together.
For instance, the Delta SkyMiles® Gold American Express Card provides you your first checked bag totally free.
There’s additionally the United℠ Explorer Card (see rates and fees), which equally provides your first checked bag free.
One other nice perk of the latter card is its two annual United Club passes. TPG bank cards editor Olivia Mittak appreciates the flexibility to make use of her United Explorer’s United Membership passes when she flies United.
Associated: Airline baggage fees: How much it costs to check a bag on major US airlines
Elite standing
Many bank cards offer you elite standing for holding that specific card. That is primarily discovered with hotel credit cards.
You may take into account the Marriott Bonvoy Boundless® Credit Card (see rates and fees) when you’re a Marriott fan. New cardholders can earn 5 free night time awards (valued at as much as 50,000 factors every) after spending $3,000 on purchases within the first three months from account opening. Sure lodges have resort charges. Moreover, you possibly can obtain as much as $100 in assertion credit (as much as $50 biannually) after spending $500 on eligible airline purchases.
Based mostly on TPG’s February 2026 valuations, this provide is price as much as $1,850. This card contains Marriott Bonvoy Silver Elite status every year, which gives further advantages at Marriott lodges.
New World of Hyatt Credit Card (see rates and fees) holders can earn as much as 5 free nights: three free nights after spending $5,000 on purchases within the first three months of account opening, plus two free nights after spending $15,000 on purchases within the first six months. Free nights might be redeemed at any Class 1-4 Hyatt lodge or resort worldwide.
This card comes with World of Hyatt Discoverist status and can assist you earn elite nights towards larger standing tiers.
Associated: Comparing the best hotel elite status tiers and how to earn them
Buy safety
You additionally may go for a card with purchase protection that covers the price of objects purchased within the occasion of loss, theft or harm.
Most top-tier journey playing cards, just like the Sapphire Reserve and the Capital One Venture X, provide buy safety. In case you have a big buy developing, it is clever to place it on a card with substantial buy safety. Ensure to learn your card’s phrases and situations to know the protections available to you.
Cellphone safety
Lastly, you may go for a card with cellphone protection that covers loss or harm while you pay your cellphone invoice with the cardboard.
The Chase Freedom Flex® (see rates and fees) is one such choice, masking as much as $800 per declare and $1,000 per yr in cellphone safety.
Cardholders can earn a helpful 5% money again on choose bonus classes that rotate each quarter when you activate (on as much as $1,500 in mixed purchases every quarter), plus 5% again on journey bought by means of Chase Journey.
This no-annual-fee card is a good choice for cash-back fans.
There’s additionally the Wells Fargo Active Cash® Card (see rates and fees), which provides as much as $600 of mobile phone safety in opposition to harm or theft (topic to a $25 deductible) while you pay your month-to-month cellphone invoice together with your card. It provides a easy 2% money rewards charge on purchases.
Along with mobile phone safety, the cardboard gives entry to the Visa Signature Concierge and the Visa Signature Luxurious Lodge Assortment. New cardholders can earn a $200 money rewards bonus after spending $500 on purchases within the first three months.
Associated: Link a credit card with cellphone protection to your mobile bill
Backside line
A few of these perks aren’t probably the most eye-catching, and also you most likely will not get a brand new bank card solely as a result of it provides one thing like cellphone safety. Nonetheless, a few of these lesser-known advantages can present long-term worth and ought to be a consider your resolution in your subsequent card.
You by no means know when one thing like journey or rental automobile insurance coverage will come in useful.
Associated: How to choose the best credit card for you
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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