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No matter where your travel takes you, it’s smart to have protection benefits in place in case of emergency or delay — like rental insurance, EMV technology and lost baggage coverage. Check out our favorite three travel rewards credit card offers for great travel protection.
Wells Fargo Propel 365 American Express® Card: Best for Wells Fargo banking customers
The Wells Fargo Propel 365 American Express® Card offers 3X points per dollar spent at U.S. gas stations, 2X points at U.S. restaurants and 1 point spent on all other purchases. There’s a signup bonus as well: Earn 20,000 bonus points when you spend $3,000 in net purchases in the first 3 months. Points are redeemable for travel, gift cards, cash, merchandise and more.
The Wells Fargo Propel 365 American Express® Card comes with a bunch of travel protection benefits, including:
- Auto rental collision and liability insurance: Coverage against damage or loss of a rental vehicle in the United States and Canada
- Lost luggage insurance: Reimbursement for essential items purchased because of an inconvenience due to lost luggage
- Travel accident insurance: Automatic travel accident insurance for traveling on common carriers
- Emergency assistance: 24/7 hotline for help with travel emergencies
- Complimentary 24/7 concierge: Help booking your trip, interpreting or finding an attraction
- Chip technology: EMV chip for safer transactions, domestically and internationally
The card’s $0 for the first year, then $45, and there are no foreign transaction fees. Wells Fargo banking customers will enjoy annual points bonuses of 10%, 25% or 50% on non-bonus rewards points.
Citi Prestige® Card: Best for big spenders with a taste for luxury
The Citi Prestige® Card offers 3 points for every dollar spent on airfare and hotels, 2 points for dining and entertainment, and 1 point for everything else. There’s also a signup bonus: Earn 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open. Points can be redeemed for a multitude of things — including cash, gift cards, travel, merchandise and more.
The Citi Prestige® Card offers a host of travel protections, including:
- Travel and emergency assistance: Help with travel issues, emergency travel arrangements and more
- Worldwide travel accident insurance: Coverage in case a tragic accident occurs
- Lost baggage protection: Coverage of up to $3,000 per trip, per person for lost stolen or damaged baggage
- Trip delay protection: Coverage for unplanned expenses due to covered delays
- EMV chip technology: Safer transactions in the United States and overseas
The Citi Prestige® Card has an annual fee of $450, but no foreign transaction fees. The card also has an annual airline credit of $250, access to elite travel benefits and an annual points bonus for select Citi cardmembers.
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