There is no scarcity of nice perks you will get with a journey bank card, particularly with a number of stable choices at present 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 the event you’re interested in a few of the journey perks you’ll be able to entry with a bank card, now we have you coated.
Lounge entry
Airport lounges are the most effective components of premium journey. They provide a spot to chill out and refuel when you wait in your flight. These days, a number of premium journey playing cards provide you with entry to those lavish lounges.
The Capital One Enterprise X Rewards Credit score Card presents 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. Primarily based on TPG’s February 2026 valuations, this supply is price $1,388.
Alternatively, there’s the Chase Sapphire Reserve® (see charges and charges), which presents an expansive lounge community by a Precedence Move Choose membership. Cardholders even have entry to Chase’s rising community of Chase Sapphire Lounges by The Membership.
You possibly can earn a welcome supply of 125,000 bonus factors after spending $6,000 on purchases within the first three months of account opening. Primarily based on our February 2026 valuations, this supply is price $2,563.
Associated: Greatest bank cards for airport lounge entry
TSA PreCheck/International Entry credit
TSA PreCheck and International Entry are packages that provide you with expedited screening at U.S. airports for $85 (for TSA PreCheck) or $120 (for International Entry). In the event you’re eligible, it is best to pay further for International Entry, as TSA PreCheck advantages are included.
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With the Capital One Enterprise Rewards Credit score Card, you will get pleasure from a credit score of as much as $120 for International Entry or TSA PreCheck, letting you get pleasure from this system of your selection for less than a $95 annual payment. The Enterprise Rewards card additionally presents at the very least 2 miles per greenback spent on each buy, with no bonus classes to memorize and a lot of different stable mid-tier perks.
One other card providing credit is the Financial institution of America® Premium Rewards® bank card. This card presents a TSA PreCheck/International Entry assertion credit score of as much as $100 each 4 years. Observe that this credit score won’t cowl the complete value of International Entry, however it’ll minimize down the fee to a really affordable quantity.
If you wish to save much more time, you’ll be able to seize a card that can reimburse you for an annual Clear Plus membership. The American Specific® Inexperienced Card is considered one of these playing cards, providing as much as $209 every calendar 12 months for a Clear Plus membership (enrollment is required; topic to auto-renewal).
The data for the American Specific 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: Greatest bank cards for International Entry and TSA PreCheck
Rental automobile insurance coverage
A few of the finest journey rewards playing cards present major rental automobile insurance coverage that will can help you decline a rental firm’s collision injury waiver.
The Chase Sapphire Reserve and the Chase Sapphire Most popular® Card (see charges and charges) are two beneficial playing cards that supply major rental automobile insurance coverage on most leases.
The Sapphire merchandise are among the many most dear playing cards for each journey inexperienced persons and specialists. They provide perks that embrace as much as $300 in annual journey credit (through the Sapphire Reserve) and a $50 annual lodge credit score for stays booked by Chase Journey℠ (through the Sapphire Most popular).
No international transaction charges
In the event you journey internationally typically, you will desire a card with no international transaction charges.
Playing cards just like the Sapphire Most popular and the Enterprise Rewards match that invoice. Every card enables you to make purchases worldwide with no extra charges connected.
Think about the Ink Enterprise Most popular® Credit score Card (see charges and charges) in your worldwide enterprise spending. The cardboard additionally presents bonus factors on in style enterprise bills, together with journey and promoting.
Journey insurance coverage
Journey insurance coverage is a small factor that may forestall an enormous trouble ought to one thing go incorrect 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 the event you’re a frequent flyer, you would possibly wish to contemplate a premium airline card just like the United Membership℠ Card (see charges and charges). This card presents nice worth for frequent United Airways flyers and supplies important journey insurance coverage to assist mitigate danger.
In the event you’re loyal to a different airline, contemplate its high bank card as a substitute.
Free checked baggage
Most cobranded airline bank cards supply complimentary checked baggage for you and people touring along with your social gathering.
For instance, the Delta SkyMiles® Gold American Specific Card provides you your first checked bag free of charge.
There’s additionally the United℠ Explorer Card (see charges and charges), which equally presents your first checked bag free.
One other nice perk of the latter card is its two annual United Membership passes. TPG bank cards editor Olivia Mittak appreciates the power to make use of her United Explorer’s United Membership passes when she flies United.
Associated: Airline baggage charges: How a lot it prices to test a bag on main US airways
Elite standing
Many bank cards provide you with elite standing for holding that specific card. That is primarily discovered with lodge bank cards.
You would possibly contemplate the Marriott Bonvoy Boundless® Credit score Card (see charges and charges) should 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 motels have resort charges. Moreover, you’ll be able to obtain as much as $100 in assertion credit (as much as $50 biannually) after spending $500 on eligible airline purchases.
Primarily based on TPG’s February 2026 valuations, this supply is price as much as $1,850. This card contains Marriott Bonvoy Silver Elite standing every year, which supplies extra advantages at Marriott motels.
New World of Hyatt Credit score Card (see charges and charges) 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 standing and may also help you earn elite nights towards larger standing tiers.
Associated: Evaluating one of the best lodge elite standing tiers and how one can earn them
Buy safety
You additionally would possibly go for a card with buy safety that covers the price of objects purchased within the occasion of loss, theft or injury.
Most top-tier journey playing cards, just like the Sapphire Reserve and the Capital One Enterprise X, supply buy safety. When you’ve got a big buy arising, it is smart to place it on a card with substantial buy safety. Be sure that to learn your card’s phrases and circumstances to grasp the protections obtainable to you.
Cellphone safety
Lastly, you would possibly go for a card with cellphone safety that covers loss or injury once you pay your cellphone invoice with the cardboard.
The Chase Freedom Flex® (see charges and charges) is one such choice, masking as much as $800 per declare and $1,000 per 12 months in cellphone safety.
Cardholders can earn a beneficial 5% money again on choose bonus classes that rotate every quarter when you activate (on as much as $1,500 in mixed purchases every quarter), plus 5% again on journey bought by Chase Journey.
This no-annual-fee card is a good choice for cash-back fanatics.
There’s additionally the Wells Fargo Energetic Money® Card (see charges and charges), which presents as much as $600 of mobile phone safety towards injury or theft (topic to a $25 deductible) once you pay your month-to-month cellphone invoice along with your card. It presents a easy 2% money rewards price on purchases.
Along with mobile phone safety, the cardboard supplies 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: Hyperlink a bank card with cellphone safety to your cellular invoice
Backside line
A few of these perks aren’t essentially the most eye-catching, and also you most likely will not get a brand new bank card solely as a result of it presents one thing like cellphone safety. Nevertheless, a few of these lesser-known advantages can present long-term worth and ought to be a think about your choice 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 decide on one of the best bank 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 range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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