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The 10 Best Cards for Lost or Delayed Baggage Coverage [2024]

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Christine Krzyszton

Senior Finance Contributor

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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The 10 Best Cards for Lost or Delayed Baggage Coverage [2024]

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It comes as no surprise to frequent travelers that airlines sometimes mishandle baggage. The good news, however, is that the rate at which bags are mishandled has declined significantly. This improvement comes even as the number of travelers worldwide has increased by over 60% in a 10-year period.¹

This welcome decline, detailed in a 2022 report by air transport IT specialist SITA, is a result of increased airline automatic baggage tracking systems, new regulations requiring airlines to track bags, home-printed bag tags, self-service bag drops, and other technology advancements in baggage tracking.

According to SITA, the number of mishandled bags worldwide is down from 5.60 bags per thousand in 2019 to just 4.35 bags per thousand in 2021. In the U.S., your chances of mishandled bags are 1.85 per thousand.

The lower frequency of lost, damaged, or delayed bags may mean little unless the mishandled bag is your bag.

Lost, damaged, or delayed baggage coverage that comes with your travel rewards credit card can alleviate the pain of the experience. Coverage that compensates you for lost or damaged luggage, lost contents, or replacement items due to a delay, can be a welcome benefit should you need it.

While airlines are required to compensate you when your bags are mishandled, it’s good to have complimentary baggage coverage as a backup if airline compensation does not cover your entire loss.

Here’s a review on how baggage insurance works, which cards carry this useful coverage, and some helpful tips on how to avoid lost, stolen, or delayed baggage.

How Does Baggage Insurance Work?

There are several things that can happen to your baggage during your trip. The common carrier could lose your bags, the bags could become damaged, someone could steal your bags, or your bags could just be delayed.

Regardless of the event, you’ll still be inconvenienced, and you may even incur unplanned expenses.

Here’s what you can expect when you have baggage insurance on your credit card.

Lost, Damaged, or Stolen Baggage Insurance

This coverage normally covers an incident where your bag is lost, damaged, or stolen while in the care of a common carrier such as an airline, train, bus company, or cruise line. Coverage includes the cost of the contents and either replacing or repairing the lost/damaged baggage.

The common carrier would normally provide compensation for such an incident. The lost, damaged, or stolen baggage insurance that comes on your credit card is in excess of, or secondary to, coverage above what the airline would pay.

The top 3 reasons bags get lost, as reported by SITA, are the following:

  1. Transfer mishandling
  2. Failure to load
  3. Ticketing error/bag switch/security/other

The current limit of liability for airlines is $3,800 for each bag lost, damaged, stolen, or delayed domestically, and around $1,780 for international travel itineraries.

Delayed Baggage Insurance

Delayed baggage insurance is really a means of reimbursing you for incidental expenses you incur when your bags are delayed longer than a specified amount of time.

According to the 2022 SITA report cited earlier, the top reasons for delayed baggage include:

  • Transfer mishandling (41%)
  • Failure to load (18%)
  • Ticketing error/bag switch/security/other (18%)
  • Airport/customs/weather/space-weight restriction (8%)
  • Tagging error (6%)
  • Arrival mishandling (5%)
  • Loading error (4%)

Regardless of the reason your bags are delayed, chances are you’ll need to replenish essential items while you’re without your possessions. Airlines are required to reimburse for incidental expenses up to $3,800 domestically and approximately $1,780 internationally.

Best Personal Cards

Card Summary

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Card

Welcome Bonus and Annual Fee

Benefits for Baggage Insurance

Chase Sapphire Reserve®
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • Up to $100 per day for a maximum of 5 days if your baggage is delayed for more than 6 hours for delayed luggage
  • Up to $3,000 per covered person for lost luggage

Chase Sapphire Preferred® Card

  • Earn 60,000 points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95
  • Up to $100 per day for a maximum of 5 days if your baggage is delayed for more than 6 hours for delayed luggage
  • Up to $3,000 per covered person for lost luggage
The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)

Up to $3,000 per covered person for lost luggage ($2,000 per bag with a $10,000 maximum for all covered people per trip for New York State residents)

Capital One Venture X Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395 (rates & fees)

Up to $3,000 per covered person for lost luggage

American Express® Gold Card
  • LIMITED TIME OFFER: Earn 60,000 points after spending $6,000 in the first 6 months. Plus, receive 20% back in statement credits at restaurants worldwide within the first 6 months, up to $100 back. Offer ends 11/6/24.
  • Annual fee of $325 (rates & fees)

Up to $1,250 per covered person for lost luggage ($10,000 maximum for all covered people per trip for New York State residents)

Chase Sapphire Reserve®

Chase Sapphire Reserve®
Chase Sapphire Reserve®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠
60,000 points
$1,200
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases through March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
Read Full Review
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • 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
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 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, 2027.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is a premium travel rewards card that offers a long list of travel insurance benefits. In addition to baggage insurance, you’ll find travel-related benefits including worldwide airport lounge access, travel statement credits, 50% more redemption value for travel, and the ability to transfer points to travel partners.

The Chase Sapphire Reserve card comes with both baggage delay and lost luggage coverage:

  • Baggage delay — up to $100 per day for 5 days for baggage delays of over 6 hours
  • Lost luggage — up to $3,000 per passenger

Currently, it offers a solid welcome bonus, as well as the ability to earn up to 10x Ultimate Rewards points. The earnings are broken down like this:

  • 10x points on car rentals, hotels, and dining booked via Ultimate Rewards
  • 10x Ultimate Rewards points on Lyft through March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 5x points on airfare booked via Ultimate Rewards
  • 3x points on all other dining and travel purchases
  • 1x points on all other purchases

That means you can earn a return on spending of up to 20%, according to our valuations. That’s almost unheard of!

And when you’re a Chase Sapphire Reserve cardholder, you’ll get a $300 annual travel credit every anniversary year, a complimentary Priority Pass Select membership, access to the Chase Luxury Hotel & Resorts Collection, a $100 Global Entry, TSA PreCheck, or NEXUS application fee credit, and the best travel insurance in the business.

Digging even deeper, you’ll find a complimentary DoorDash DashPass membership perk (if activated by December 31, 2027), a 50% redemption bonus for booking through Chase Travel (to get 1.5 cents per point of redemption value), and the ability to use Pay Yourself Back for a 25% to 50% bonus on rotating categories.

This card has no foreign transaction fees, as well as purchase protection, extended warranty, and so much more.

Why We Like Earning Chase Ultimate Rewards Points

We love Ultimate Rewards points because of their flexibility and top-shelf value. With a value of 2 cents each, the elevated earning rates on some bonus categories of 10x, 5x, and 3x points, are equivalent to returns of 20%, 10%, and 6%, respectively.

You can redeem points through Chase Travel, for cash-back, gift cards, statement credits, charitable donations, Amazon.com purchases, and more.

But with a little bit of planning and strategy, you can transfer your points to Chase travel partners for award travel. This way, you can get a much higher redemption value.

Chase Sapphire Preferred® Card

GREAT STARTER CARD
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)
Chase Sapphire Preferred® Card
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
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℠.
60,000 points
$1,200
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
Read Full Review
  • 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, 2027.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Despite having a lower annual fee, the Chase Sapphire Preferred card offers best-in-class travel insurance benefits like primary rental car insurance coverage, trip cancellation and trip interruption insurance, and trip delay coverage. This includes baggage insurance!

The coverage for baggage insurance on the Chase Sapphire Preferred card is identical to the baggage insurance coverage on the Chase Sapphire Reserve card:

  • Baggage delay — up to $100 per day for 5 days for baggage delays of over 6 hours
  • Lost luggage — up to $3,000 per passenger

With this card, you’ll earn 5x Ultimate Rewards points on travel booked through Chase Travel, 3x points on dining, select streaming services, and online groceries, 2x points on all other travel, and 1x points on all other purchases.

Plus, with a 10% points bonus after every anniversary, you can earn a boost of points each year.

And that’s after a generous welcome bonus.

The Chase Sapphire Preferred card also boasts a $50 annual statement credit for hotel stays booked through Chase Travel. You can also use this card to shop with peace of mind, thanks to the purchase protection, zero fraud liability, and extended warranty benefits.

Lastly, there are no foreign transaction fees or costs to add authorized users.

The Platinum Card® from American Express

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
The Platinum Card® from American Express
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card® from American Express
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
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.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
Read Full Review
  • 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.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is considered one of the best premium travel rewards cards on the market.

Undoubtedly, it offers the most luxury benefits of any card out there. If you look at the card table above, you’ll routinely see gigantic welcome bonuses for new cardmembers.

With a long list of luxury travel benefits such as worldwide lounge access, hotel and car rental elite status, 5x bonus earning categories, travel insurance, and statement credits, the card is a wise choice for the frequent traveler.

Although it doesn’t offer delayed baggage insurance, it offers lost luggage coverage of up to $3,000 per covered person. For New York State residents, the total coverage amount is capped at $10,000 for all travelers and a maximum of $2,000 per bag.

Additionally, you are eligible to earn up to 5x Membership Rewards points as shown here:

  • Earn 5x points on flights booked directly with airlines or with AmexTravel.com (on the first $500,000 of these purchases per calendar year)
  • Earn 5x points on prepaid hotels booked with AmexTravel.com
  • Earn 1x points on all other purchases

The reason why we love this card, though, is that it offers one of the longest lists of luxury travel benefits out there:

It doesn’t end there — you’ll still get purchase protection, extended warranty, zero liability fraud protection, and no foreign transaction fees (rates & fees).

Why We Like Earning American Express Membership Rewards Points

We love earning American Express Membership Rewards points because they’re invaluable — worth 2.2 cents by our valuations — so you’ll earn a return on spending of up to 11% with the Amex Platinum card.

Although you can use these points for cash-back, gift cards, merchandise, statement credits, charity, and travel booked through AmexTravel.com, we are strong proponents of transferring your points to the American Express transfer partners.

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
Capital One Venture X Rewards Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)
Capital One Venture X Rewards Credit Card
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
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.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros
  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
Cons
  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
Read Full Review
  • 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
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

The Capital One Venture X card is one of our all-time favorite credit cards. But Capital One hit it out of the park here with a huge list of perks in a single card.

Start off on the right foot with a generous welcome bonus and incredible bonus categories of up to 10x Capital One miles:

  • 10x miles on hotels and rental cars booked through Capital One Travel
  • 5x miles on flights booked through Capital One Travel
  • 2x miles on all other purchases

You’ll notice that this is one of the few credit cards that earns 2x miles on all purchases, regardless of categories — and these miles can be transferred to travel partners, too.

The card doesn’t offer delayed baggage insurance, but offers up to $3,000 per covered person for lost luggage, and also offers valuable protections like travel insurance.

Looking further, the Capital One Venture X card has an annual travel credit of $300 for Capital One Travel bookings, an anniversary bonus of 10,000 miles every account anniversary year, complimentary access to Capital One Lounges and Plaza Premium Lounges, a Priority Pass Select membership, Hertz President’s Circle status, and an up to $100 Global Entry or TSA PreCheck application fee credit.

This is one of the few credit cards with cell phone protection insurance. It also offers rental car insurance, no foreign transaction fees (rates & fees), and the ability to add up to 4 authorized users for no additional annual fees (rates & fees).

Why We Like Earning Capital One Miles

Capital One miles are worth around 1.8 cents each, which means you can earn a return on spending as high as 18% when you use the Capital One Venture X card.

When it’s time to book travel, transfer those hard-earned Capital One miles to airline and hotel partners for luxury first and business class travel.

If that doesn’t fit your needs, you can use Capital One miles at a reduced value for cash-back, gift cards, online shopping, statement credits, and Capital One Travel.

American Express® Gold Card

NEW OFFER
American Express® Gold CardTerms Apply / Rates & Fees
American Express® Gold Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express® Gold Card
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
60,000 points + up to $100 back
$1,420
$325
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
Read Full Review
  • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
  • Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points + up to $100 back. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card has a dual personality. It’s a fine choice as a travel rewards card for both earning and redemption, while also offering 4x earnings on everyday purchases at U.S. supermarkets and restaurants worldwide.

While the card doesn’t offer delayed baggage insurance, it offers lost luggage coverage of up to $1,250 per person. For New York State residents, this is capped at a total of $10,000 for all covered passengers on the covered trip.

But what’s really special about this product is that the Amex Gold card offers many benefits like generous earnings, travel benefits, and everyday protections, in addition to baggage coverage.

It’s one of the best credit cards for daily spending because it offers exceedingly attractive bonus categories on top of an already awesome welcome bonus.

Expect to earn up to 4x Membership Rewards points:

  • 4x points at restaurants worldwide, including takeout and delivery in the U.S. (up to $50,000 per calendar year, then 1x)
  • 4x points at U.S. supermarkets (up to $25,000 in purchases per calendar year, then 1x)
  • 3x points on flights purchased directly with the airline or at AmexTravel.com
  • 1x points on all other purchases

That’s equivalent to a maximum return on spending of 8.8%, by our valuations.

This card also offers fantastic statement credits every year:

  • Up to $120 in Uber Cash, which is good for rides and Uber Eats orders in the U.S. (up to $10 per month)
  • Up to $120 dining credit, which is good at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (up to $10 per month)
  • Up to $100 Resy credit redeemable at any U.S. Resy restaurant and other eligible Resy purchases (distributed as $50 semi-annually)
  • Up to $84 Dunkin’ credit redeemable at Dunkin’ locations (distributed as $7 per month)

Note that enrollment is required for some benefits, so make sure you’re enrolled to get the most out of your card’s benefits.

It confers access to Amex’s The Hotel Collection, travel insurance, and Amex Offers, and has no foreign transaction fees (rates & fees).

Best Business Cards

Card Summary

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Card

Welcome Bonus and Annual Fee

Benefits for Baggage Insurance

Ink Business Preferred® Credit Card
  • LIMITED TIME OFFER: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months.
  • Annual fee of $95
  • Up to $100 per day for a maximum of 5 days if your baggage is delayed for more than 6 hours for delayed luggage
  • Up to $3,000 per covered person for lost luggage
The Business Platinum Card® from American Express
  • ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.
  • Annual fee of $695 (rates & fees)

Up to $3,000 per covered person for lost luggage ($2,000 per bag with a $10,000 maximum for all covered people per trip for New York State residents)

American Express® Business Gold Card
  • ELEVATED OFFER: Earn 100,000 points after you spend $15,000 on eligible purchases within the first 3 months.
  • Annual fee of $375 (rates & fees)

Up to $1,250 per covered person for lost luggage ($10,000 maximum for all covered people per trip for New York State residents)

Delta SkyMiles® Reserve Business American Express Card
  • Earn 75,000 miles after spending $10,000 in your first 6 months.
  • Annual fee of $650 (rates & fees)

Up to $1,250 per covered person for lost luggage ($10,000 maximum for all covered people per trip for New York State residents)

United Club℠ Business Card
  • Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open.
  • Annual fee of $450
  • Up to $100 per day for a maximum of 3 days if your baggage is delayed for more than 6 hours for delayed luggage
  • Up to $3,000 per covered person for lost luggage

Ink Business Preferred℠ Credit Card

LIMITED TIME OFFER
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)
Ink Business Preferred® Credit Card
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
120,000 Points
$2,400
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros
  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
Cons
    • No elite travel benefits like airport lounge access
Read Full Review
  • Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Financial Snapshot
  • APR: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Similar to the Chase Sapphire Preferred card, the Ink Business Preferred card also offers travel insurance benefits including primary rental car insurance coverage, trip cancellation and trip interruption insurance, and trip delay coverage.

Currently, this card’s baggage insurance matches the Chase Sapphire Reserve card and Chase Sapphire Preferred card:

  • Baggage delay — up to $100 per day for 5 days for baggage delays of over 6 hours
  • Lost luggage — up to $3,000 per passenger

The main difference is that the Ink Business Preferred card has some amazing business spending categories jam-packed into a card with a low annual fee, which is why we refer to it as the king of small business credit cards.

First of all, the welcome bonus is absolutely killer, easily worth $2,000 by itself!

On up to $150,000 per cardmember anniversary year in combined purchases, you can earn 3x Ultimate Rewards points in these categories:

  • Ads purchased with search engines or social media sites
  • Internet, cable, and phone services
  • Shipping expenses
  • Travel

If you max out the 3x points, your business travel purchases can enjoy baggage insurance and a return on spending of 6%.

This credit card comes with primary rental car insurance, cell phone protection, extended warranty, purchase protection, no foreign transaction fees, no additional fees for employee cards, and zero liability for fraud.

The Business Platinum Card® from American Express

ELEVATED OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
The Business Platinum Card® from American Express
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)
The Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
Read Full Review
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $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 the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • 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.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card is one of the most elite business cards you can have — and has an impressive welcome bonus to show for it.

Pay for your entire common carrier ticket with your Amex Business Platinum card and/or Membership Rewards points and receive up to $3,000 in coverage for carry-on bags and $2,000 for checked baggage for a covered loss or damage incident (there is no coverage for delayed bags). The Baggage Insurance Plan coverage amount is the total per person, per trip.

In addition, expect to earn up to 5x Membership Rewards points as follows:

  • 5x points on flights and prepaid hotels with AmexTravel.com
  • 1.5x points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • 1x points on all other purchases

Earning 5x points is equal to a return on spending of around 11%.

This card has no preset spending limit*, which means you can scale your business purchases without needing to worry about a normal credit limit.

You can access top-notch lounges with the American Express Global Lounge Collection, get luxury hotel perks at Fine Hotels & Resorts, and utilize a 35% Pay With Points rebate (maximum of 1 million points back per calendar year).

Similar to the Amex Platinum card, the Amex Business Platinum card has a ton of statement credits available, including:

Lastly, recall that with this card, you’ll enjoy top-of-the-line travel insurance, no foreign transaction fees (rates & fees), purchase protection, extended warranty, and much more.

Bottom Line: As with the consumer version of the card, the Amex Business Platinum card offers a ton of benefits — including travel benefits, travel booking perks, car rental/roadside assistance, and more.

American Express® Business Gold Card

100K OFFER
American Express® Business Gold CardTerms Apply / Rates & Fees
American Express® Business Gold Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)
American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000 Points
$2,200
$375
19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
Cons
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
Read Full Review
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply
Financial Snapshot
  • APR: 19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 100,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Gold card is one of the best business cards available, especially if you have significant amounts of business spending categories.

The baggage insurance is just the icing on the cake. This policy matches the insurance on the Amex Gold card (and similarly no bag delay coverage):

  • Lost luggage coverage of up to $1,250 per person
    • For New York State residents, coverage is up to $10,000 for all covered passengers on the covered trip

Pay for your entire fare with your Amex Gold card or Amex Business Gold card and/or Membership Rewards points and receive up to $1,250 in coverage for carry-on bags and $500 for checked baggage for damage or loss due to a covered incident. The coverage amount is the total per person, per trip.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  •  U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online, TV, radio)

If you max out the 4x categories every year, you’d earn 600,000 points, which is worth a whopping $13,200, according to our valuations of 2.2 cents per point.

As with the consumer card, the Amex Business Gold card comes with great benefits, including accelerated business earning, customized spend categories, travel benefits, and cash flow benefits — all essential for a business owner.

This includes no preset spending limit*, no foreign transaction fees (rates & fees), purchase protection, extended warranty, and up to 99 total employee cards with no annual fee, after the first employee card with a $50 annual fee (rates & fees).

Delta SkyMiles® Reserve Business Card

Delta SkyMiles® Reserve Business American Express CardTerms Apply / Rates & Fees
Delta SkyMiles® Reserve Business American Express Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Learn More(at Amex's secure site)
Delta SkyMiles® Reserve Business American Express Card
Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
75,000 Bonus Miles
$900
$650
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Delta SkyMiles® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

Pros
  • 3x miles per dollar on Delta purchases
  • 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
Cons
  • High annual fee
  • Does not earn many miles for purchases outside of Delta spend
Read Full Review
  • Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Delta SkyMiles Frequent Flyer Program

The Delta Reserve Business card has some terrific Delta-specific benefits, as well as overall travel protections, including baggage insurance.

In fact, the baggage insurance is almost identical to Amex Business Gold card’s coverage (again, no bag delay coverage):

  • Lost luggage coverage of up to $1,250 per person
    • For New York State residents, coverage is up to $10,000 for all covered passengers on the covered trip

Enter the Delta SkyClub at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

You’ll even get an annual complimentary companion certificate good for a round-trip First Class, Delta Comfort+, or Main Cabin domestic, Caribbean, or Central American flight each year. Lastly, the other perks include complimentary upgrades, priority boarding, free checked bags, 20% back on inflight purchases, and more.

With the Delta Reserve Business card, you will earn 1.5x SkyMiles per dollar for the rest of the year after you spend $150,000 on your card! For purchases made directly with Delta, you’ll earn 3x SkyMiles. Otherwise, you’ll get 1x SkyMiles.

Finally, there’s a Global Entry or TSA PreCheck application fee credit.

Why We Like Earning Delta SkyMiles

We like Delta SkyMiles because they’re flexible and can be used for Delta flights, as well as premium international business class flights on partners like Air France and KLM.

We value Delta SkyMiles at around 1.2 cents apiece, which lags behind Amex Membership Rewards, Chase Ultimate Rewards, and Capital One miles.

But if you need the benefits when flying on Delta, this card is a good option.

United Club℠ Business Card

United Club℠ Business Card
United Club℠ Business Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Club Business card is a great option for frequent United flyers looking for United Club access.

United Club℠ Business Card
The United Club Business card is a great option for frequent United flyers looking for United Club access.
Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open.
50,000 miles
$600
$450
21.99%–28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.

From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.

Pros
  • 2x miles per $1 spent on United purchases
  • 1.5x miles per $1 spent on all other purchases
  • Complimentary United Club membership
Cons
  • $450 annual fee
  • Earning rate for United purchases is poor compared to other United cards
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  • Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open
  • Earn 2x miles on United purchases
  • Earn 1.5x miles on all other purchases
  • Employee cards at no additional cost
  • United Club membership — up to a $650 value per year. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi, and more
  • Free first and second checked bags for you and a companion, save up to $320 per round-trip
  • 25% back on United inflight purchases
  • No foreign transaction fees
Financial Snapshot
  • APR: 21.99%–28.99% Variable
  • Foreign Transaction Fees: $0

The United Club Business card is the ultra-premium United co-branded credit card for business owners.

Currently, the United Club Business card offers coverage of up to $3,000 per trip for lost or damaged luggage is provided with the card. Baggage delayed over 6 hours has a benefit of $100 per day for up to 3 days for reimbursement of essentials.

This is almost identical to the coverage from the Ink Business Preferred card, Chase Sapphire Preferred card, and Chase Sapphire Reserve card with 1 exception: the delayed baggage coverage is offered for up to 3 days instead of 5 days.

Baggage coverage is one of the many benefits of the United Club Business card, so these cards might be worth considering if you’re a loyal United flyer.

But in addition to baggage coverage, the United Club Business card earns 2x miles on United purchases and 1.5x miles on all other purchases. It also usually offers a great welcome bonus.

The major selling points of this card are the United-specific perks:

  • Complimentary United Club membership
  • Free first and second checked bags for yourself and a companion on the same reservation
  • Premier Access travel services, including priority check-in, security, boarding, and baggage handling benefits
  • The ability to earn 25 PQPs for every $500 spent, up to 1,000 PQPs in a calendar year
  • Upgrades on award tickets for yourself and a companion on the same reservation
  • 25% statement credit on United inflight purchases

But the benefits extend beyond that, including membership in the Avis President’s Club, access to the Chase Luxury Hotel & Resort Collection, no foreign transaction fees, no-additional fee employee cards, and travel insurance.

Why We Like Earning United MileagePlus Miles

We value United MileagePlus miles at around 1.3 cents each, which makes an earning rate of 2x and 1.5x miles worth a return on spending of 2.6% and 1.95%, respectively.

Luckily, it’s pretty easy to get even better value when you redeem them for luxury travel.

Chase Baggage Insurance Coverage and Other Benefits

Chase offers 2 types of coverage for mishandled baggage. Its lost luggage reimbursement and baggage delay insurance coverage give you peace of mind if your baggage is lost, damaged, stolen, or delayed.

  • Lost Luggage Reimbursement provides a benefit of up to $3,000 per person, per trip, for lost, damaged, or stolen luggage whether checked or carry-on.
  • Baggage Delay Insurance coverage on the card includes a benefit of up to $100 per day for up to 5 days for the reimbursement of essentials such as toiletries and clothing

What Is Covered on Chase Cards?

Checked or carry-on baggage is covered along with personal property within the baggage.

Who Is Covered on Chase Cards?

Chase covers the cardholder and immediate family. Immediate family is defined by Chase to include your spouse, domestic partner, your children (including adopted children and stepchildren), legal guardians or wards, siblings or siblings-in-law, parents or parents-in-law, grandparents, grandchildren, nieces, and nephews, along with aunts and uncles.

Bottom Line: Selecting a travel rewards credit card with a package of benefits and protections can give you peace of mind, should any unexpected travel mishaps occur. 

American Express Baggage Insurance Coverage

While most American Express cards do not carry baggage delay insurance, you’ll find coverage for lost, stolen, and damaged luggage on over 50 American Express-issued cards.

What Is Covered on American Express Cards?

Travel bags and suitcases, including contents, whether carry-on or checked with a common carrier.

Who Is Covered on American Express Cards?

The cardholder, spouse or domestic partner, and dependent children under 23 years of age are covered for baggage insurance.

Bottom Line: If you’re a frequent traveler and value luxury travel benefits, the Amex Platinum card or the Amex Business Platinum card can offer tremendous value. Both cards come with complimentary worldwide lounge access that, if purchased separately, could cost more than the card’s annual fee. 

Capital One Baggage Insurance Coverage

Although we only covered the Capital One Venture X card in this guide, many of Capital One’s premium credit cards offer luggage insurance.

What Is Covered on Capital One Cards?

As expected, coverage includes both checked bags and carry-ons. Contents are included, as well.

Who Is Covered on Capital One Cards?

Coverage is offered to the primary cardholder, and all immediate family members when they’re on the same covered trip as you.

Additionally, you must pay for a portion or the entire cost of the covered trip with your credit card to qualify for coverage.

Filing a Claim

Whether your baggage is lost, damaged, stolen, or delayed, you’ll need to follow certain steps to ensure your claim is processed successfully.

  • Report the loss or damage immediately to the common carrier before leaving the airport, station, etc., and keep a copy of the report.
  • In the event your luggage is delayed, report the loss, then wait the required number of hours before purchasing incidentals.
  • Also in the case of delayed luggage, save the receipts for any items purchased.
  • Report the loss to your credit card claims administrator by calling the number on the back of your card and filing a written report.
  • Submit all requested supporting documentation within the required time period, usually 60 to 90 days from the date of the incident.

Because coverage on your credit card is usually secondary, you will want to obtain documentation from the common carrier as to their policy and the amount of payment you received from them, if any. In the case of lost luggage, you’ll also need receipts for the more valuable contents of your luggage.

Since claims are handled by a third party, not the credit card issuer, you’ll need to provide documentation that your common carrier ticket was purchased with a qualifying credit card.

Tips for Minimizing Lost Baggage and Expediting a Claim

Avoid Short Connecting Times Between Flights — Really short connections can become impossible connections if there is even a slight delay. Although you may still make your connection, your luggage may not. Since the number 1 reason bags get lost is due to connections, allow enough time between flights to reduce the risk of lost baggage

Double-check Your Destination Tags — When checking your bags, be sure the destination printed on the baggage tracking tag is your final destination.

Add Additional Identification — Most of us attach a bag tag to our bags, with our name, phone number, and address on it, to identify our luggage. However, this tag, along with the baggage tracking tag, can be ripped off during transit. It’s prudent to add identifying information to the inside of your luggage as a backup to increase the chances of it being returned to you.

Divide and Conquer — Years ago, ships that sailed across the ocean would be attacked by pirates. In order to minimize losses, companies divided their cargo among many ships so if 1 was attacked, the losses were minimized. Do the same with your luggage. If you must check a bag, make sure your carry-on has a change of clothes, toiletries, and other necessities for a 1-night stay versus all of your items inaccessibly packed in your checked bags and subject to loss.

Document Your Belongings — Before you leave on your trip, take photos of your luggage and its contents. Should you need to file a damaged or lost baggage claim, you’ll have documentation to help expedite the process.

Hot Tip: Some airlines have delayed baggage guarantees. If your bags do not arrive within a certain period of time, they’ll compensate you. Delta Air Lines and Alaska Airlines each have a 20-minute guarantee for your bags to arrive on the carousel. Delta provides 2,500 SkyMiles and Alaska compensates with a $25 voucher off a future flight if your bags do not arrive on time. 

Everything Else You Need To Know

There are usually separate coverage limits for high-risk items such as jewelry, sporting equipment, audio/visual equipment, and furs. For example, the terms may state that these items combined (and other luxury items) may not exceed a total of $500 (or other specified amount) in coverage.

Some items can be excluded. These items can include documents or valuable papers, money, securities, tickets, checks/traveler’s checks, and some luxury items.

Baggage insurance coverage is secondary to other coverage and, in some cases, the total received by all sources cannot exceed the limits on the credit card coverage. For example, if you receive $3,500 from the airline for your bag and the coverage on your credit card baggage insurance is $1,250, you will not receive an additional payment from the credit card coverage. The Guide to Benefits for your specific card will spell out the exact terms of your coverage.

For baggage coverage that comes on your credit card to be valid, you normally have to pay for your entire ticket with the eligible credit card, points/miles earned on that card, or a combination of the 2.

Final Thoughts

While baggage insurance is nice to have, it is secondary to the coverage you would receive from the common carrier should your luggage be lost, damaged, stolen, or delayed.

Note that we have not included every card that has baggage insurance coverage, just a selection of some of the best cards. To find out if your card has baggage insurance coverage, access your specific card’s guide to benefits or call the number on the back of your card.

The bottom line is that selecting a card with an entire package of benefits you will use, not just baggage insurance coverage, results in the best overall value.

*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

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

Enrollment required through Capital One website or mobile app. Upon enrollment, 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.

For the baggage insurance plan benefit of The Platinum Card® from American Express, 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 (one-way 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty and purchase protection benefits of the Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of American Express® Gold Card, 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 (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of The Business Platinum Card® from American Express, 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 (one-way 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. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty and purchase protection benefits of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of the American Express® Business Gold Card, 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 (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty and purchase protection benefits of the American Express® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of the Delta SkyMiles® Reserve Business American Express Card, 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 (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty and purchase protection benefits of the Delta SkyMiles® Reserve Business American Express Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the cell phone protection benefit of the Delta SkyMiles® Reserve Business American Express Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.

Featured Image Credit: DenDor via Shutterstock

Frequently Asked Questions

What is baggage insurance?

Baggage insurance that comes complimentary on your credit card can provide compensation if your bag is lost, stolen, damaged, or delayed by the airline during your trip.

Airlines are required by law to provide compensation when they mishandle your bags. However, the baggage insurance that comes on your credit card can provide additional compensation if the amount paid by the airline does not cover your entire loss.

Most credit cards require that the entire ticket be paid for with your eligible card or with rewards earned on that card.

Does baggage insurance cover my carry-on bags?

Yes, carry-on bags are usually covered with baggage insurance that comes on your credit card. The amount of coverage you receive will vary by card.

You can access the terms and conditions of the baggage insurance on your card by calling the number on the back of the card or accessing your card’s Guide to Benefits.

How much does the airline have to pay me for lost bags?

For domestic flights in the U.S., the current maximum is $3,850 per bag. Internationally, the limit is set by the Montreal Convention and is limited to 1,131 Special Drawing Rights that vary, but currently equal to about $1,780 per bag.

These are the limits airlines must pay for either lost, delayed, or damaged bags.

When is my bag considered lost?

Each airline has its own criteria for when a bag is considered lost, usually 14 to 21 days.

When you arrive at your destination and your bag is not there, however, you should file a claim immediately before leaving the airport.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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