westpac travel insurance platinum credit card

Westpac Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for westpac eligible cardholders regarding covid-19.

Information on this page is correct as of  30 June 2022 .

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller  website and  World Health Organisation  (WHO) and  Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel. In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions. Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1800 091 710.

From 30 June 2022, if during the period of your cover, you (and your spouse/dependents, if they’re eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19), cover may be available under the following sections:

• 1.1 Overseas Emergency Assistance
• 1.2 Overseas Emergency Medical
• 1.4 Medical Evacuation & Repatriation
• 2.1 Cancellation
• 3.1 Additional Expenses

If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover may be available to you under the following sections: 

Note, you won’t be covered while travelling against advice or warnings issued by the Australian government and you did not take reasonable care to avoid contracting the sickness, for example by delaying travel to the country listed in a warning.

The above is a summary only, please refer to  Westpac Credit Cards Complimentary Insurance Policy Information Booklet   and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet  for eligibility criteria, full terms, conditions, limits and exclusions.

A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet  Westpac Credit Cards Complimentary Insurance Policy Information Booklet   and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet . Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible Westpac Cardholders must submit a claim.

Eligible Westpac travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained. Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the Westpac Complimentary Insurance covers, please refer to Part D – Excesses & General Exclusions section and the section specific exclusions of the relevant Westpac Policy Information Booklet for which your eligible Westpac card is applicable under:  Westpac Credit Cards Complimentary Insurance Policy Information Booklet    and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet .

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on  www.smartraveller.gov.au ; or
• which was published in a reliable mass media source.
• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority. For example, if  Smartraveller  has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded. Or if a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if a Westpac Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant Westpac Policy Information Booklet for which your eligible Westpac card is applicable under:  Westpac Credit Cards Complimentary Insurance Policy Information Booklet   and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet . If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, Westpac Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can Westpac Eligible Cardholders make a claim for consideration?

Every Westpac Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  Westpac Credit Cards Complimentary Insurance Policy Information Booklet    and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet .

If you would like to claim, we encourage you to claim online via  insurance.agaassistance.com.au/westpac

Call the Allianz Global Assistance Claims team

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Your reviews

Ask a question, westpac altitude platinum credit card.

Offers up to 120,000 bonus Altitude Points and a discounted $49 annual fee in the first year, which goes to $175 after that.

• Up to 120,000 bonus Altitude Points offer
• $49 first-year annual fee
• Earn up to 3 Altitude Points per $1 spent, uncapped
• Complimentary travel insurance covers
• The standard annual fee of $175 p.a. is relatively high
• Only offers up to 45 days interest-free on purchases, as opposed to most cards with 55 days
• Tiered earn rate makes points potential more difficult to estimate

The Westpac Altitude Rewards Platinum Card earns between 1 and 3 points per $1 on eligible spending, with the highest earn rate offered to flights booked with Qantas or Jetstar. It also has a 19.99% p.a. variable interest rate for purchases if you’re not eligible for interest-free days. It doesn’t come with other travel perks like airport lounge passes or vouchers that you can expect with more premium rewards cards – but they often have higher annual fees too.

Eligibility criteria

• New customer. To be eligible for the bonus points offer, you cannot hold or have held a Westpac rewards card in the previous 12 months.
• Minimum income. You must earn an annual income of at least $30,000.
• Residency. You must be a permanent Australian resident or Australian citizen. Please note that those holding a student visa aren't eligible and temporary visa holders must apply through migrant banking.
• Age. You must be at least 18 years of age.

Required documents

• Proof of identification. This can be your Australian driver's licence, Medicare card or Australian passport.
• Income and expenses. You'll need proof of your income and financial history, such as payslips or tax documents. You'll also need to provide information regarding any liabilities and dependents.
• Employment details. You'll need to list your employer's details like the address and phone number, and proof of any other financial commitments like investment properties.
• Up to 120,000 bonus Altitude Points. Apply for the Westpac Altitude Platinum by 31 July 2024 and you'll get 90,000 bonus Altitude Points when you spend at least $3,000 on eligible purchases in the first 90 days from card approval. You'll get another 30,000 points after making your first eligible purchase in the second year. You can redeem Altitude Rewards points for cashback, gift cards, retail items, travel or transfer points to your Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Asia Miles or Air New Zealand Airpoints account. Your bonus Altitude Points will be credited to your account within 12 weeks of meeting the spend criteria.
• Discounted first-year annual fee. This card offers a reduced annual fee of $49 in the first year when you apply by 31 July 2024. After the first year, the annual fee is $175 p.a.
• Rewards. With your Altitude Platinum credit card, you can earn up to 3 points per $1 spent on eligible purchases. Earn 3 Altitude points per dollar spent (up to $10,000 per calendar month) on flights purchased in Australia directly with Qantas or Jetstar, then 1 point per $1 spent thereafter. Earn 2 Altitude Points per $1 spent on overseas spend and with Spotify Premium, Uber, Uber Eats and Airbnb. Earn 1 Altitude Point per $1 spent on all other eligible purchases (uncapped).
• Complimentary insurances. You get a wide range of insurance covers with your platinum credit card. You can benefit from overseas travel insurance that includes medical expenses, lost or damaged property, personal liability, and more. You'll also enjoy transit accident insurance, purchase security insurance and extended warranty coverage.
• Mobile Wallets. You can link your Westpac Altitude Platinum credit card with Apple Pay , Samsung Pay or Google Pay to make contactless payments at the checkout with your Apple, Samsung or Android device. You can also pay with your eligible fitness tracker thanks to Fitbit Pay and Garmin Pay.

Rates & fees

• Annual fee. Outside of any promotions, this card charges an annual fee of $175.
• Interest rates. This credit card charges a variable interest rate of 19.99% p.a. on purchases and 21.49% p.a. on cash advances.
• Interest-free period. You will receive up to 45 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
• Additional cardholder. You can earn points faster by adding 1 additional cardholder for $0.
• Westpac Altitude Rewards Platinum card information PDF

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Ivan Brookfield

August 03, 2023

Westpac Black and Westpac Platinum cards – what exactly does Travel Insurance cover?

Amy Bradney-George Finder

August 04, 2023

Hi Ivan, Westpac Black credit cards offer complimentary, comprehensive international travel insurance for trips of up to 6 consecutive months – which includes benefits related to hospital and medical emergencies, cancellation, luggage and travel delays. With Westpac Platinum cards, the cover is available for trips of up to 3 consecutive months. Different claim limits also apply, so it’s a good idea to view the full policy document available on the bank’s website. Alternatively, you could call the insurance provider, Allianz on 1800 091 710. I hope this helps.

May 16, 2019

Hi, I had this card previously but cancelled it in December last year. Will I still be eligible for the Qantas points if I apply? Thanks!

Jhez Finder

Thank you for your comment.

According to the terms and conditions of Westpac Altitude Platinum Card, existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Therefore, you’re not eligible to receive the bonus points if you reapply, unfortunately.

Regards, Jhezelyn

April 19, 2019

What is cancellation fee for this Altitude Platinum credit card? Also if I apply for one more card from other bank, would that effect getting this Altitude Platinum credit card?

Jeni Finder

April 20, 2019

Hi Muhammad,

Thank you for getting in touch with Finder.

There’s no cancellation fee if you cancel this card. If you apply for another credit card from a different bank, it will not affect your application for this card unless there are too many credit enquiries or card applications which results to a low credit limit.

Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

February 28, 2019

With Westpac Altitude Platinum credit card, how many points per $1 do you achieve?

March 02, 2019

Hi Maureen,

You’ll earn 1 Altitude Rewards point per $1 you spend on eligible purchases, uncapped.

March 27, 2018

Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY. Does this means bills (not through bpay) are ineligible?

Thanks for your inquiry.

Yes, that’s correct. If you pay the bills direct from the providers and they would consider it as a “purchase”, then you would earn points for those payments. But when you pay your bills through BPAY, those are not considered as eligible purchases.

Cheers, May

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

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hotpoints® Platinum Mastercard®.

A hotpoints® Platinum Mastercard® credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard is accepted, all while earning hotpoints for every dollar you spend¹.

• Earn 1.5 hotpoints for every $1 spent on your card up to (and including) $7,000 then 1 hotpoint for every $1 spent on your card each month ¹.
• You can redeem your hotpoints for anything, anywhere Mastercard® is accepted³, using hotpoints Pay®, or via the hotpoints website . 
• Up to 55 days interest free on purchases when you pay off your balance in full by the payment due date⁴ (see the credit card interest-free period page for more).

See our full rates and fees

More benefits.

• Extended Warranty Insurance   of up to 12 months for goods purchased on your hotpoints Platinum Mastercard, plus 90 days'   Purchase Protection   that could cover loss, theft or accidental damage⁵.
• Overseas travel insurance for up to 35 days per round trip, with no limit to the number of trips you're covered for each year⁵.
• Make contactless payments without a PIN, for transaction amounts up to the local country limit.
• Access to a wide range of travel experiences and privileges with   Mastercard Travel and Lifestyle Services.   Hotel, flights and card programs especially curated for you by Mastercard².

What is a credit card?

A credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard is accepted. 

With a credit card, you should aim to pay the balance owing in full each month to avoid paying interest on your purchases. There are other fees and charges that apply which are outlined on our website . 

If you’re looking to use a credit card for a large one-off payment, it might not be the right product for you. You can talk through your options with someone in our team either at your local branch or by giving us a call on 0800 400 600.

If you think a credit card is right for you, the next step is to decide which type of card to get. To help you decide which credit card is best for you, compare our cards . 

How to apply.

Keeping you safe., 24/7 protection.

With CardGuard® you’re protected 24/7 from fraudulent activity 6 . Use your card anywhere, anytime, and leave your worries behind.

24-hour assistance

Whether you have lost your credit card or it’s been stolen, we’re on hand to help. You can also apply a temporary block in Westpac One® online banking.

Safer online shopping

Mastercard Identity Check is an extra layer of security that helps us make sure it’s definitely you that’s using your card online.

hotpoints Pay.

Interest rates are subject to change.

Up to 55 interest free days on purchases when you pay off your balance in full by the payment due date⁴ (see the How does credit card interest work? page for more).

Fees are subject to change. Some overseas banks and ATMs may charge an extra fee for a cash advance.

Are you ready to travel?

If you have overseas travel plans, make sure you’re up to date with the latest benefits and exclusions of your Westpac Platinum Mastercard travel insurance policy.

Things you should know.

1 Certain purchases and transactions do not earn hotpoints (see the applicable Credit Card Conditions of Use for full details), including: fees, charges or interest, balance transfers, tax payments (including local council rates and ACC Levies), gambling chips or gambling transactions (including online gambling), cash withdrawals from your account, money orders, travellers cheques and foreign currencies in cash, business-related purchases made with a hotpoints Mastercard other than a Westpac BusinessPLUS Mastercard and transactions on any nominated account(s) linked to your hotpoints Mastercard (the “excluded transactions”). The tiered earn rates will reset at the start of each calendar month.

2 Any costs incurred by using the Mastercard Travel and Lifestyle Services are at the cardholder’s expense.

3 Hotpoints terms and conditions apply. Only qualifying purchases (which, for the avoidance of doubt, do not include any purchases or transactions which are excluded transactions) made with a hotpoints Mastercard can be used for hotpoints Pay. In addition, there is a minimum number of hotpoints that must be earned before you are eligible to redeem your hotpoints for any reward or for hotpoints Pay. See the applicable Credit Card Conditions of Use for full details.

4 Interest free days give you access to interest-free credit - if you pay off your balance in full (excluding balance transfers) by the payment due date. Cash advances, balance transfers and interest rates and fees are not purchases and have no interest free days. See How does credit card interest work?  page for how it works.

5 Terms, conditions, exclusions and eligibility criteria apply (see Applicable Policy Document for details), including a minimum spend for certain travel regions. The availability of any insurance cover is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted. Travel, Extended Warranty and Purchase Protection Insurances arranged by Westpac and underwritten by AIG Insurance New Zealand Limited. Westpac does not guarantee the obligations of, or any products issued by, AIG.

6 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use . 

7 Rate will apply to balance(s) transferred until that balance(s) is paid off.  Balance Transfer Terms and Conditions  and lending criteria apply. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. Payments you make to your Westpac credit card will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers as they appear on your last statement. Payments will then be applied to transactions that have not yet appeared on a statement in the same order. If you have multiple balance transfer rates, payments will first be applied to the balance transferred on the highest interest rate. Interest rates are subject to change without notice. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card’s  Conditions of Use . 

If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.  

All rewards are subject to availability and may be withdrawn or substituted at any time.

Westpac is not the supplier of the goods and services that can be redeemed with hotpoints and does not guarantee the obligations of the supplier or any goods and services supplied. Any goods or services that are provided by a third party supplier may be withdrawn at any time.  

Westpac accepts no responsibility for the availability or content of any third party websites and makes no representation as to the accuracy or currency of the materials.

hotpoints® and hotpoints Pay® are registered trademarks of Westpac Banking Corporation. 

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Terms and conditions  

Eligibility criteria, lending criteria, terms and conditions apply. See:

• Westpac Credit Card Conditions of Use.
• Hotpoints Terms and Conditions.
• Transaction and Service Fees Brochure.

View terms and conditions for all our credit card products .

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Westpac Credit Cards

Westpac altitude platinum credit card – qantas.

Updated 28 February 2024

Get 70,000 Bonus Qantas points on a new Altitude Platinum Qantas credit card when you apply by 31 July 2024 and spend $4,000 on eligible purchases within 90 days of card approval. Plus, a discounted annual card fee of $99 for the first year ($175 thereafter) and annual $75 Qantas Rewards Fee. Earn 0.5 Qantas points per $1 spent on eligible purchases*. Complimentary overseas travel insurance.

Points Earn Rate (per $1 spent)

Capped at $100,000 per year. Bonus Qantas Points excluded in the cap.

Rewards Program

Qantas Frequent Flyer

Bonus Points

Spend $4,000 within first 90 days

Annual Fee (p.a.)

first year then $175

• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points."> 0 points over 12 months spend

My monthly card spend, you could earn • 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">.

114,000 points

over 12 months

• Pros & cons
• Rates & fees
• Rewards & points
• Eligibility

Pros and cons

• 70,000 bonus Qantas points on a new Westpac Altitude Platinum credit card when you spend $4,000 on eligible purchases in the first 90 days of card approval.
• Discounted annual card fee of $99 for the first year; $175 thereafter
• Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
• Earn 0.5 Qantas points per $1 spent on eligible purchases*
• Complimentary additional card holder
• Choose your rewards program: Altitude Qantas or Altitude Rewards
• There's a $75 Qantas Rewards fee for choosing to earn Qantas Points

Creditcard.com.au review

Editor review, the westpac altitude platinum credit card - 70,000 bonus qantas points.

Point calculations are accurate as of 23 February 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official Westpac page for the updated calculations.

Offering you the choice of two rewards programs, the Westpac Altitude Platinum Credit Card is a flexible credit card with an excellent range of platinum perks. If you are interested in earning Altitude points, check out the Westpac Altitude Platinum Credit Card . Apply today and you can benefit from 70,000 bonus Qantas points when you spend $4,000 on eligible purchases within 90 days of card approval. Plus, discounted annual card fee of $99 for the first year ($175 thereafter) and annual $75 Qantas Rewards Fee.

What we love…

One of the great things about the Westpac Altitude Platinum Credit Card is its flexibility and as a cardholder, you can choose to earn points on the Altitude program, or you can opt in to the Qantas program. Here we will look at the Altitude Qantas program and if you are interested in earning Altitude points, have a look here .

All you have to do to get your hands on those bonus points is apply and be approved by 31 July 2024, and then spend $4,000 on eligible purchases within 90 days of card approval. Once you’ve made that spend, the bonus 70,000 points will be credited to your account within 12 weeks. Then it’s simply a matter of deciding what you want to spend them on.

When you choose to earn Qantas points you opt in to the Qantas program, paying a $75 Qantas Rewards fee. Within this program, you can earn 0.5 Qantas Points for every $1 spent on eligible purchases*, to be redeemed within Qantas Store for merchandise and gift cards, or on travel products such as flights and accommodation.

Qantas Points are capped at $100,000 per year. Bonus Qantas Points excluded in the cap.

In terms of that 70,000 bonus points, it will get you further with Qantas, allowing you to fly from Perth to Singapore in economy class (56,512 points) or Sydney to London in economy class (66,200 points). You will also hand over fewer points for that $250 Woolworths Group WISH Digital Gift Card, redeeming just 54,550 Qantas Points.

What’s not so great…

As you will find with most platinum rewards cards, the interest charged on the Westpac Altitude Platinum Credit Card is not low. With both the purchase rate and cash advance rate being relatively high, it’s best to avoid cash advances and to clear your balance month-to-month.

As for points redemption, there are other credit cards on the market offering a higher earn rate on the Qantas program, but it’s up to you to work out which one offers the most back for your spend. With its reasonable annual fee, the Westpac Altitude Platinum Credit Card may just offer a more rewarding option.

Why should you choose this card?

If you’re looking for a flexible rewards card with some nice extras on the side, the Westpac Altitude Platinum Credit Card could be well worth looking into. Plus, a discounted annual card fee of $99 for the first year ($175 thereafter) and annual $75 Qantas Rewards Fee. Ongoing as a cardholder, you will pay a $49 annual fee for the first year ($175 thereafter) plus an annual $75 Qantas Rewards fee, for choosing to earn Qantas points.

You can also add one additional cardholder at no extra cost to earn points faster. Cardholders benefit from a range of complimentary insurance covers.

Overall Rating

The Westpac Altitude Platinum Qantas Credit Card is a flexible rewards card with platinum benefits and 70,000 bonus Qantas points. Plus, discounted annual card fee of $99 for the first year ($175 thereafter) and annual $75 Qantas Rewards Fee.

User reviews

Westpac altitude platinum credit card – qantas ( based on 1 creditcard.com.au user review ), 76% rating based on 1 review, customer service, 100% of users who have rated this card would recommend it, review the westpac altitude platinum credit card – qantas.

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Rates and fees

Interest rates.

Purchase rate 19.99 % p.a.

Cash advance rate 21.49 % p.a.

Interest free period on purchases up to 45 days

Credit limits

Minimum credit limit $6,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $175 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)

Annual fee the first year $99

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Bonus points 70,000 points

Annual points cap $100,000

Bonus points spend criteria Spend $4,000 within first 90 days

Earning points with this card

Qantas Rewards points 0.5 points per $1 spent

Points cap per month Capped at $100,000 per year. Bonus Qantas Points excluded in the cap.

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance.

International Travel Insurance Yes - up to 3 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Key features

• Complimentary overseas travel insurance for trips up to 3 months

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Australian citizens, permanent residents or holders of an acceptable visa

Minimum income of $30,000 p.a.

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Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

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$1 earn rate  

Points earning • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

Qantas Premier Platinum Credit Card

Limited time super-sized Qantas Points

Earn 60k when you spend $3,000 within the first 3 months, plus 20k when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 80,000 bonus Qantas Points

Earn 60,000 when you spend $3,000 within the first 3 months, plus 20,000 when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months. Discounted annual fee for the first year.

Earn rate per $1

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• ACR: 528318
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• All reward programs
• Airport lounge access
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• No annual fee
• No foreign transaction fee
• Overseas travel insuarance
• Uncapped points earn

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Best credit cards for travel insurance in 2024

Travel insurance benefits offered through credit cards can include trip cancellation and interruption insurance, travel delay coverage and lost luggage reimbursement. You must pay for travel with a common carrier with your respective card for complimentary travel insurance benefits to apply. While credit cards with travel insurance can help protect your trip, they come up short when it comes to protection for emergency medical expenses.

Our top recommendations

• card_name : Best travel insurance benefits overall.
• card_name : Best travel insurance benefits, runner-up.
• card_name : Best for premium benefits.
• card_name : Best for luxury travel.
• card_name : Best for food spending.
• card_name : Best for flat-rate rewards.
• card_name : Best with no annual fee.
• card_name : Best airline credit card for travel insurance.
• card_name : Best for Marriott Bonvoy.
• Hilton Honors American Express Aspire Card : Best for Hilton Honors.

card_name : Best travel insurance benefits overall

Chase sapphire reserve®, why we like it.

• Chase Ultimate Rewards points transfer to airlines and hotels.
• Get 50% more value for travel booked through Chase.
• Comes with $300 travel credit each year.
• Includes airport lounge access.
• No foreign transaction fees.
• Comes with generous travel insurance benefits.
• annual_fees annual fee.
• High variable APR.
• Requires very good or excellent credit.

Travel insurance benefits:

• Trip cancellation coverage worth up to $10,000 per person and $20,000 per trip.
• Trip interruption coverage worth up to $10,000 per person and $20,000 per trip.
• Trip delay coverage worth up to $500 per ticket (six-hour delay required).
• Baggage delay coverage worth up to $100 per day for five days.
• Lost luggage reimbursement worth up to $3,000 per passenger.
• Travel accident insurance worth up to $1 million.
• Primary rental car coverage worth up to $75,000.
• Emergency medical and dental benefits worth up to $2,500 when you're at least 100 miles from home.
• Emergency evacuation coverage worth up to $100,000.

The card_name Card has the best selection of travel insurance benefits of any credit card on the market today by far. Its coverage is broad and rewarding with included benefits for medical expenses and emergency evacuation you don't see from other travel credit cards.

This card also earns valuable Chase Ultimate Rewards points that can be redeemed for cash back, gift cards, merchandise or travel through Chase with 50% more value. Points also transfer 1:1 to airline and hotel partners like British Airways, Southwest Rapid Rewards, United MileagePlus and World of Hyatt.

card_name : Best travel insurance benefits, runner-up

Chase sapphire preferred® card.

• Points transfer 1:1 to Chase airline and hotel partners.
• Get 25% more value for points when booking travel through Chase.
• Other flexible rewards options.
• Excellent earning rate for everyday purchases.
• Comes with a $50 annual hotel stay credit.
• Requires very good to excellent credit.
• No luxury travel benefits.
• Trip interruption insurance worth up to $10,000 per person and $20,000 per trip.
• Trip delay insurance worth up to $500 per ticket (12-hour delay required).
• Baggage delay insurance worth up to $100 per day for five days.
• Travel accident insurance worth up to $500,000.
• Primary rental car insurance worth up to the actual cash value of the car.

The card_name offers similar travel insurance protections as the Reserve, but with fewer benefits and some lower coverage limits. However, the annual fee on this card is just annual_fees , and users still earn valuable and flexible Chase Ultimate Rewards points.

This makes the card_name a good option for frequent travelers who want the chance to transfer their rewards to airline and hotel partners but want to keep costs down. Customers can also use their points to book travel through the Chase portal, or they can redeem for cash back, gift cards or merchandise.

card_name : Best for premium benefits

Capital one venture x rewards credit card.

• Earns flexible miles that transfer to Capital One airline and hotel partners.
• $300 annual travel credit.
• Airport lounge membership included.
• Excellent rewards rate for eligible travel purchases.
• Lower annual fee than other premium cards with airport lounge access.
• High APR if you carry a balance.
• Excellent credit required.
• Trip cancellation coverage worth up to $2,000 per person.
• Trip interruption coverage worth up to $2,000 per person.
• Lost luggage reimbursement worth up to $3,000 per covered trip ($2,000 per bag in New York).
• Trip delay insurance worth up to $500 per ticket (six-hour delay required).
• Primary auto rental coverage worth up to $75,000.

The card_name is a Visa Infinite card, so it includes a range of travel insurance protections you won't find with other cards. This flexible travel credit card also earns Capital One miles that can be used to book travel through Capital One or transferred to Capital One airline and hotel partners. Additional flexible redemption options include gift cards, statement credits, merchandise and more.

Other reasons to love this card include its $300 annual travel credit, airport lounge membership, cell phone protection and Hertz President's Circle status.

card_name : Best for luxury travel

The platinum card® from american express.

( Rates & Fees )

Insurance disclosures

• Trip Delay Insurance - Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Premium Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
• Cell Phone Protection - Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
• Extended Warranty – When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
• Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Baggage Insurance Plan - 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. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
• Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Earns flexible Amex Membership Rewards points.
• $1,500+ in statement credits each year.
• Broadest airport lounge membership available today.
• Very good to excellent credit required.
• Statement credits can be difficult to use.
• Trip cancellation coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip interruption coverage worth up to $10,000 per trip (maximum benefit of $20,000 each 12-month period).
• Trip delay coverage worth up to $500 per trip (six-hour delay required).
• Secondary rental car insurance worth up to $75,000.

‌ card_name doesn't offer as many travel insurance benefits as other premium travel credit cards on our list, but it does offer more statement credits and the broadest airport lounge membership available from a credit card. This card also earns flexible American Express Membership Rewards points that can be used for travel through Amex, point transfers to Amex airline and hotel partners, gift cards and other flexible options. Terms apply.

card_name : Best for food spending

American express® gold card.

Trip Delay Insurance - Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

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

Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.

• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty - When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

• Underwritten by AMEX Assurance Company.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. 

Baggage Insurance Plan - Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. 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.

Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

• Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
• Points transfer to Amex airline and hotel partners.
• Comes with up to $240 in statement credits each year.
• Generous rewards for food spending and airfare.
• High APR can apply.
• Baggage insurance plan worth up to $1,250 for carry-on bags and up to $500 for checked bags ($10,000 aggregate coverage limit for residents of New York).
• Secondary auto rental coverage worth up to $50,000 per rental agreement.
• Trip delay insurance worth up to $300 per covered trip (up to two claims allowed per 12-month period).

The card_name offers a few important travel protections, plus generous rewards for big food spenders. In addition to its impressive rewards rates for purchases at U.S. supermarkets and restaurants worldwide, this card also comes with up to $240 in credits per year that can apply to select dining purchases and Uber rides or Uber Eats food deliveries.

Cardholders with the card_name also earn American Express Membership Rewards points that are highly flexible and valuable when it comes to travel redemptions.

card_name : Best for flat-rate rewards

Capital one® venture® rewards credit card.

• Earns flexible rewards with Capital One.
• Miles transfer to Capital One airline and hotel partners.
• Excellent flat rewards rate.
• Fee credit for Global Entry or TSA PreCheck membership included.
• Primary auto rental coverage worth up to the actual cash value of a vehicle if you don't have your own insurance (secondary coverage if you have your own insurance)
• Lost luggage reimbursement worth up to $3,000 per trip ($2,000 per bag for New York residents)
• Travel accident insurance worth up to $250,000

The card_name offers a few travel insurance benefits that can help protect your trip. Cardholders also earn flexible Capital One miles that can be used to book travel through Capital One or transferred to airline and hotel partners. Rewards can also be used for statement credits, gift cards and other flexible options.

The annual_fees annual fee on this card makes it a steal when you consider the sign-up bonus you can earn, along with perks like a fee credit for Global Entry or TSA PreCheck membership.

card_name : Best with no annual fee

Chase freedom unlimited®.

• Generous cash back rate for everyday purchases.
• Comes with intro APR offer.
• Rewards points are flexible.
• Points do not transfer to Chase airline and hotel partners.
• High variable APR after intro offer.
• Charges foreign transaction fees.
• Trip cancellation coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per passenger and $6,000 per covered trip.
• Secondary auto rental coverage.

The card_name is an excellent choice for infrequent travelers who want protection for trip cancellation and interruption first and foremost. This card doesn't charge an annual fee, and it features incredible cash back rates in several everyday spending categories. Users even get an intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration , which can help them save on interest payments for more than a year.

card_name : Best airline credit card for travel insurance

United quest℠ card.

• Earns United miles that are redeemable for flights with United and Star Alliance partners.
• Comes with frequent flyer benefits.
• Earn PQP toward elite status.
• annual_fees annual fee applies.
• Rewards inflexibility.
• Trip cancellation coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Trip interruption coverage worth up to $1,500 per traveler and up to $6,000 per covered trip.
• Baggage delay insurance worth up to $100 per day for three days (six-hour delay required).
• Trip delay reimbursement worth up to $500 per ticket (12-hour delay or overnight stay required).
• Primary auto rental coverage worth up to the cash value of the vehicle.

While the card_name requires a annual_fees annual fee, this card comes with a robust selection of travel insurance benefits and frequent-flyer perks. Users also earn United miles that can be used for flights with United and partners to more than 1,200 destinations in 186 countries around the world.

This card also gives members the chance to earn PQP toward elite status with the United MileagePlus program.

card_name : Best for Marriott Bonvoy

Marriott bonvoy brilliant® american express® card.

Trip Cancellation and Interruption Insurance - The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Premium Global Assist Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility.

• If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Return Protection - With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

Purchase Protection - Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply.

Baggage Insurance Plan - 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.

Car Rental Loss & Damage Insurance - Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

• Automatic Platinum Elite status with Marriott Bonvoy.
• Includes a range of travel benefits and statement credit offers.
• Comes with airport lounge membership.
• Generous welcome bonus and earning rates.
• Trip cancellation insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip interruption insurance worth up to $10,000 per covered trip and up to $20,000 per eligible card per 12-month period.
• Trip delay insurance worth up to $500 per trip (six-hour delay required) with a maximum limit of two claims per 12-month period.
• Baggage insurance plan worth up to $2,000 for checked bags and up to $3,000 for both checked and carry-on luggage ($2,000 per bag in coverage for New York residents with aggregate limit of $10,000).

The card_name offers a suite of impressive benefits Marriott Bonvoy enthusiasts will love, including annual dining credits, automatic Platinum Elite status, and a $100 property credit. Other cardholder perks help justify the annual_fees annual fee, including Priority Pass Select membership and the credit for Global Entry or TSA PreCheck membership.

This card also includes more travel insurance benefits than many other hotel credit cards on the market today.

Hilton Honors American Express Aspire Card : Best for Hilton Honors

Hilton Honors American Express Aspire Card

• Comes with automatic Hilton Diamond status.
• Range of hotel benefits and statement credits included.
• Comes with Priority Pass Select membership.
• Free night award each year.
• Several flight benefits included.
• $550 annual fee.

The Hilton Honors American Express Aspire Card offers a robust selection of benefits for air travel, airports and stays with the Hilton brand. While the $550 annual fee is high, perks like airport lounge membership, annual hotel stay credits and a free night award each year can more than make up for it. The included travel insurance benefits for this card are also generous, and they can be well worth having if you need to file a claim.

Best credit cards for travel insurance 2024: Comparison

How we chose the best credit cards for travel insurance.

To find the best credit cards for travel insurance, we looked at cards based on their included insurance benefits first and foremost. We gave preference to cards that offer trip cancellation and interruption coverage, as well as insurance for lost or delayed bags and travel delays.

We also looked for credit cards that offer the most lucrative rewards structures and welcome offers, as well as flexibility within their designated rewards programs. Other factors we took into consideration include annual fees and interest rates.

Choosing the best credit card for travel insurance: Where to begin

The best credit card for travel insurance can vary from person to person, and assessing each card based on the most important factors can help you in your search. Consider the following criteria as you select a credit card for your next trip.

Travel insurance benefits

The credit cards in this ranking offer complimentary travel insurance protections, although you have to pay for travel with your card for a trip to be covered. These benefits can include trip cancellation and interruption insurance, baggage delay coverage, lost luggage reimbursement, trip delay insurance, primary auto rental coverage and more. Some cards even offer limited coverage for emergency medical expenses and emergency medical evacuation.

Annual fees

Credit cards with the most benefits tend to charge annual fees of $395 to $695. Meanwhile, there are some credit cards with travel insurance that charge $0 to $95 per year.

Either way, you'll want to make sure any annual fee you pay is worth it based on the travel insurance benefits, rewards and other perks you receive.

Travel perks and features

Decide if you want premium travel benefits like airport lounge access, expedited airport security or annual travel credits. If you do want a travel credit card with all the bells and whistles, prepare to pay several hundred dollars in annual fees each year.

Customer satisfaction rankings

You can also look at customer service rankings from different card issuers to determine the quality of customer service you'll receive. Consider the customer service scores below from J.D. Power's 2023 U.S. Credit Card Satisfaction Study , which were assigned by using responses from 31,418 credit card customers from August 2022 through June 2023.

Eligibility by credit score

Note that the majority of credit cards with travel insurance require very good or excellent credit. If you have poor credit or fair credit, you should focus on improving your credit score and financial health before you apply.

Rewards programs

Finally, consider the rewards rates for cards you're looking at and the type of rewards you'll earn. You'll find that credit cards with travel insurance can earn cash back, flexible rewards for travel, airline miles or hotel points.

What does travel insurance from a credit card cover?

Credit cards with travel insurance can offer different protections with their own unique coverage limits and policy limitations. The most common types of travel insurance you can get with a credit card include:

• Trip cancellation coverage : This coverage can reimburse you for prepaid travel expenses when you must cancel a trip for a covered reason like the death of an immediate family member or a sudden illness.
• Trip interruption coverage : Interruption insurance can reimburse you for prepaid travel expenses when a trip must be interrupted for a covered reason, such as falling ill during your vacation.
• T rip delay coverage : This coverage can pay for sudden hotel bills or meals when a trip is delayed by at least six or 12 hours or a delay forces an overnight stay.
• Baggage delay insurance : Baggage delay coverage can pay for clothing, toiletries and other essentials when your bags are delayed by at least six or 12 hours.
• Lost luggage reimbursement : Insurance for lost luggage can reimburse you for your baggage and belongings when your luggage is lost in transit while in the care of a common carrier.
• Rental car coverage : This protection can be primary or secondary to your own insurance, and policy limits apply.
• Medical and dental expense coverage : This protection can pay for emergency medical and dental expenses you incur when traveling away from home.
• Medical evacuation coverage : This type of travel insurance can pay for transportation in a helicopter, an ambulance or a plane when you must be medically transported due to a health emergency.
• Travel accident insurance : This coverage can kick in if you lose your life or are accidentally dismembered during a covered trip.

Pros and cons of credit card travel insurance

Credit card travel insurance comes with its share of benefits that cannot be denied, but there are downsides that come with relying on a credit card for travel insurance protection as well.

Consider these pros and cons:

Pros of credit card travel insurance

• Complimentary coverage : The biggest upside of credit card travel insurance is the fact it's offered for free. You just have to pay for travel with your credit card (or your rewards points in some cases) for coverage to apply.
• Coverage limits can be high : Some credit card insurance protections come with high limits that are enough to cover most trips.
• Can apply to family members : The best coverages apply to the primary cardholder and other companions they're traveling with, including family members.

Cons of credit card travel insurance

• Low coverage limits in some cases : Some cards have relatively low travel insurance limits that may not provide enough protection when you need it most.
• Limited coverages with some cards : Some credit cards with travel insurance only have a few kinds, so they may leave you without important protections you need.
• Minimal protection for emergency medical expenses : Only one credit card offers travel insurance for emergency medical expenses (the card_name ), and this coverage is only worth up to $2,500 when you're traveling more than 100 miles from home.

Do you need additional travel insurance?

Whether you need to buy travel insurance that applies independently of what your credit card offers depends on the type of trip you're taking and how much it costs. If you're driving a few towns away to stay in a hotel, for example, you may be fine with credit card travel insurance. The same is true if you're flying to another state for a relatively inexpensive vacation.

If you're traveling internationally where your own health insurance won't apply, however, you'll likely want to purchase a travel insurance plan that includes robust protection for emergency medical expenses and emergency medical evacuation. Expensive trips may also need travel insurance with higher limits than you can get with credit card coverage.

Frequently asked questions (FAQs)

Do credit card companies sell travel insurance.

Credit card companies do not sell travel insurance, but plenty of reputable travel insurance providers do. If you're ready to compare plans, you can check out companies like Allianz, Travelex and World Nomads.

Is travel insurance worth it for international travel?

Travel insurance is essential for international travel if you want to have coverage for emergency medical expenses and emergency medical evacuation. After all, U.S. health plans do not work overseas, nor do government healthcare programs like Medicare.

Does my Visa card cover travel insurance?

The travel insurance protections you get with a credit card depend on the exact card you have.

How do I know if my credit card covers travel insurance?

Read over your credit card's guide to benefits to find out which protections are already included. You can also call your card issuer to inquire about coverage, but make sure they send you the information in the mail.

For rates and fees of the card_name , please visit URL .

AP Buyline has partnered with CardRatings for our coverage of credit card products. AP Buyline and CardRatings may receive a commission from card issuers.

• Australia & New Zealand Cruisers

Cruising. Westpac and ANZ complimentary Travel Insurance

By sanne , July 19, 2023 in Australia & New Zealand Cruisers

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I’ve searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can’t find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction.   

And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac. Maybe someone is able to confirm that.

Thanks for your help. 

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I can only guide you re ANZ Complimentary Insurance.

The Booklet I refer to covers these cards

ELIGIBLE CARDS: The complimentary insurance outlined in this booklet is available to the eligible beneficiaries of the following credit cards: • ANZ Frequent Flyer Platinum • ANZ Frequent Flyer Black • ANZ Rewards Platinum • ANZ Rewards Travel Adventures • ANZ Rewards Black • ANZ Platinum

Do you have one of these cards? If so, page 14 defines Overseas as

"outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters"

Therefore further down on whats covered, page 21

Overseas Emergency, medical and evacuation are unlimited.

And yes, cancellation is capped at $20,000 so you need to work out if that is good for your situation.

For us, our cruise holidays are never more than that.

31 minutes ago, sanne said: I’ve searched the T&C PDFs of both Westpac and ANZ Credit card Complimentary Travel Insurance and can’t find any mention of cover for cruises and medical evacuation from a cruise ship. Maybe someone can point me in the right direction.    And from what I read, the cancellation of a trip is capped at $20,000 for ANZ and in unlimited for Westpac. Maybe someone is able to confirm that.   Thanks for your help. 

Further to cheznandy The Westpac has a similar cluase under their Definitions see below

Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below and are highlighted in italics throughout the booklet. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available Word Meaning

Overseas     

outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.

So you are covered as I see it for Unlimited Overseas Emergency, medical and evacuation 

as cheznandy said above.

BUT as always don't assume we are right, contact your bank and make sure your are covered.

And that there are not small riders or conditions we missed in our readings of the T&Cs and PDS

5 minutes ago, Ozwoody said: Hi Sanne   Further to cheznandy The Westpac has a similar cluase under their Definitions see below   Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below and are highlighted in italics throughout the booklet. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available Word Meaning   Overseas      outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.   So you are covered as I see it for Unlimited Overseas Emergency, medical and evacuation  as cheznandy said above.   BUT as always don't assume we are right, contact your bank and make sure your are covered. And that there are not small riders or conditions we missed in our readings of the T&Cs and PDS      

Great advice John, I have called often over the years we have been using this insurance to clarify any changes in wording, they have always been great to talk to over the phone.

2022cruisey

The ANZ FF Black definitely covers cruising.  They will also email you with a certificate that you can show if you are going to New Caledonia.

Thank you very much  cheznandy, 2022cruisey, and Ozwoody for your excellent reply to my queries. Very kind of you all to post the relevant paragraphs. Much appreciated. 

We use the ANZ card cover for cruising. There is a handy webpage to 'check your cover ' (underwritten by Allianz) where you enter your type of card, destination (I always select worldwide) and dates of trip. They then send you a certificate via email which shows the cruise and covid cover on page 2.  This is what we show when boarding a cruise to New Caledonia where this cover is required.

Similar to answer above, we never require more than $20000 cancellation cover.

LittleFish1976

Prior to covid I used ANZ card insurance for a cruise. I was very concerned about making sure I would be covered for a cruise by them, and more importantly for any medical evacuation from the ship. I emailed them and asked them if they could confirm those things. The email they sent me was comforting as they clearly stated that yes, I was covered for those specific eventualities. I felt happy having it in writing from them and particular to my situation. They can also send you the master policy number for complimentary insurances in case you need to present it as proof of insurance anywhere.

• 2 weeks later...

Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard).  I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline.  A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".  

Hope this answers your question, as it did mine  🙂

11 hours ago, Mareblu said: Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard).  I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline.  A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".   Hope this answers your question, as it did mine  🙂

I wish the Westpac card (underwritten by Allianz) covered my pre existing medical condition.

7 hours ago, cruisine21 said: I wish the Westpac card (underwritten by Allianz) covered my pre existing medical condition.

Yep! Me too!

I agree that pre-existing conditions are a real problem, and probably why more people don't travel.

Really like that people are ringing there Credit Card Insurer to clarify cover, and reporting back here.

Gives us some confidence that we are covered, not just thinking we might be.

Thanks guys for your posts.

4 hours ago, Mareblu said: I agree that pre-existing conditions are a real problem, and probably why more people don't travel.

Agree with that comment, Linda.

Re the Westpac CC insurance. My son has this card and asked me if his fiancé who lives  with him at the same address is considered his ‘spouse’ in the T&C. I will give them a call but first of all I’d ask since there are some very knowledgeable and helpful people here. 

1 hour ago, sanne said: Re the Westpac CC insurance. My son has this card and asked me if his fiancé who lives  with him at the same address is considered his ‘spouse’ in the T&C. I will give them a call but first of all I’d ask since there are some very knowledgeable and helpful people here. 

If they live together and are in a relationship then the law views them as being in a de facto relationship which is as good as married in the eyes of the law so I should think the answer is 'yes'. Do the T&Cs mention 'de facto spouse'?

Thank you LittleFish1976. I have just received this from Westpac ( Allianz). I’ve posted it to be helpful to others.

Please be advised that according to Policy information booklet (on page 18), Definition of   Spouse:

“ the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts.”

According to above information if you are in permanent relationship however not married, you will be considered as partners  under this definition

Should you require any further assistance, please do not hesitate to contact us on the number below.

17 minutes ago, sanne said: Thank you LittleFish1976. I have just received this from Westpac ( Allianz). I’ve posted it to be helpful to others.     Please be advised that according to Policy information booklet (on page 18), Definition of   Spouse:   “ the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts.”   According to above information if you are in permanent relationship however not married, you will be considered as partners  under this definition   Should you require any further assistance, please do not hesitate to contact us on the number below.  

You're welcome sanne. Glad you had confirmation that works out well for your family.

• 4 months later...

On 7/28/2023 at 3:52 PM, Mareblu said: Only last week I applied for and received free travel insurance through our Westpac mastercard, for next year's trip, which includes two cruises (Oceania and Cunard).  I completely missed reading the last section of the Letter of Eligibility we received, and being concerned about cover for the cruises, I rang the helpline.  A patient and efficient person confirmed we are automatically covered for cruises, and directed me to, "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover".   Hope this answers your question, as it did mine  🙂

Hi, I'm just sorting my insurance now for a January cruise and have Westpac Platinum card. Was this sentence "Eligibility for Cover while Cruising and for Epidemic/Pandemic (such as COVID-19) Cover"  specifically stated in the letter you received or in the policy document?

Many thanks

Hi phoenixx,

On Page 3 of Letter of Eligibility:

"Under this group policy, the eligible traveller/s listed  below have access to International Travel Insurance which includes epidemic/pandemic (such as COVID-19) coverage and cover while cruising including while aboard a foreign registered cruise vessel in Australian territorial waters.  Cover is outlined in the sections below, subject to the terms, conditions, exclusions, limits and applicable sub-limits outlined in the Policy Information Booklet."

The PI Booklet is viewable online as part of the complete information forwarded by Westpac, and a scan through reveals the normal travel insurance inclusions and exclusions.  Allianz is the underwriter.

Hope this helps.

2 hours ago, Mareblu said: Hi phoenixx, On Page 3 of Letter of Eligibility:   "Under this group policy, the eligible traveller/s listed  below have access to International Travel Insurance which includes epidemic/pandemic (such as COVID-19) coverage and cover while cruising including while aboard a foreign registered cruise vessel in Australian territorial waters.  Cover is outlined in the sections below, subject to the terms, conditions, exclusions, limits and applicable sub-limits outlined in the Policy Information Booklet."   The PI Booklet is viewable online as part of the complete information forwarded by Westpac, and a scan through reveals the normal travel insurance inclusions and exclusions.  Allianz is the underwriter. Hope this helps.  

I'm in NZ and policy is with AIG. I've just spoken to them and there is no Covid cover! How stupid is that, if Westpac Australia cover Covid but NZ does not, what's the difference? (Rhetorical question but really, that's seems unfair). It also does not cover when in NZ waters, which I see yours does.

MicCanberra

Be very wary of CC insurance as it can be very tricky, some have a minimal spend on each item of travel I.e. $250 on flights, another on hotel, another on the cruise  not just on the whole trip.

56 minutes ago, MicCanberra said: Be very wary of CC insurance as it can be very tricky, some have a minimal spend on each item of travel I.e. $250 on flights, another on hotel, another on the cruise  not just on the whole trip.

Thanks, Mic, but we checked that point, and we are clear.  W’s is cumulative.

1 hour ago, phoenixx said: I'm in NZ and policy is with AIG. I've just spoken to them and there is no Covid cover! How stupid is that, if Westpac Australia cover Covid but NZ does not, what's the difference? (Rhetorical question but really, that's seems unfair). It also does not cover when in NZ waters, which I see yours does.

Gosh, that’s very one-sided.

Newbie here….I have ANZ card with complimentary travel insurance.  I know that Covid is covered.   

Wondering if you get confined in your room on a cruise for say 5 days, anyone knows whether there is any compensation from ANZ Allianz travel insurance?  

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What’s covered by credit card travel accident and emergency evacuation insurance?

MSN has partnered with The Points Guy for our coverage of credit card products. MSN and The Points Guy may receive a commission from card issuers.

Editor’s note: This post has been updated with new information and offers.

Many perks available from your credit cards are well-known and well-utilized. However, benefits such as trip cancellation insurance ,  delayed baggage insurance , lost baggage insurance , and  trip delay protection can quite literally save the day and justify paying an annual fee.

Today, we’ll explain a couple of lesser-known benefits that you hopefully won’t have to use but, if needed, can protect you from extreme financial hardship and ensure your family and loved ones are provided for if something happens to you. You can easily find the coverage and terms of any protection your credit card offers by doing a quick web search for the card’s updated benefits guide.

Travel accident insurance

Often called  common carrier insurance , this is a policy that pays in case of death, losing eyesight or losing a limb(s) while on a plane, train, ship or bus licensed to carry passengers and available to the public. A few cards also have travel accident insurance that offers protection for the entire duration of a trip (up to 31 days long) but pays out less than the common carrier insurance policies. To be eligible, you typically have to pay for the entire fare with the credit card.

Different credit cards have different payment tables for how much your beneficiary would receive in case of death, losing one limb, losing two limbs, losing sight in one eye or becoming legally blind. Coverage is also typically extended to authorized users on the account, spouses, domestic partners, and dependent children of the cardholder on trips paid for with the card.

By default, the beneficiaries in order of precedence are spouse, then children, then estate. You can submit a letter to the card issuer to establish another beneficiary.

Emergency evacuation insurance

In the past, when traveling to remote destinations like the Maldives  and Fiji, I bought  third-party emergency medical evacuation insurance , not realizing the cards I already had would have covered me. There are a few crucial aspects of emergency evacuation insurance offered by credit cards that you need to understand and follow so you don’t compound your medical situation with the stress of financial hardship:

• Everything must be approved and coordinated through a benefits administrator. This is who you or your companions should call when things first start looking like you’ll need assistance. Nothing that you decide to pay for on your own will be reimbursed.
• Evacuation does not mean repatriation. You won’t be evacuated back to the U.S. if you’re far overseas. Most policies state you’ll be moved to the nearest medical facility capable of proper care.
• Preexisting conditions may lead to your request for evacuation at the credit card provider’s expense being denied. Read your credit card’s full terms and benefits guide to see which exclude these conditions and the credit card’s definition of a pre-existing condition.
• The coverage is only for the cost of evacuation and medical care during transportation. You still need medical insurance to pay the doctors and staff who provide you care once you’re back on the ground.
• Some cards have country exclusions, so don’t expect to head into Syria or Afghanistan and rely on your credit card benefits administrator to get you to a hospital.

To get all the relevant information, make sure you download and read the entire section of the benefits guide pertaining to these coverages. Here are a few cards offering travel accident and/or emergency evacuation insurance.

Related: The best credit cards with travel insurance

The Platinum Card® from American Express

The Amex Platinum card removed travel accident insurance in 2020. However, the card still offers one of the most generous emergency evacuation insurance of any card. There’s no cost cap and benefits are extended to immediate family and children under 23 (or under 26 if enrolled full-time in school). Best of all, you don’t even have to use the card to pay for the trip.

You must be on a trip less than 90 days in length and at least 100 miles away from your residence. A Premium Global Assist (PGA) administrator must coordinate everything to not incur any cost. The benefit will also pay economy airfare for a minor under 16 to be returned home if left unattended, pay for an escort to accompany that minor if required to get them home, and get a family member to the place of treatment if hospitalization of more than 10 consecutive days is expected.*

Other American Express cards offer access to the Premium Global Assist Hotline. However, anything they coordinate will be at your expense. Make sure you read your Amex card’s benefits guide carefully.

For more details, see our full review of the Amex Platinum .

Related: Your complete guide to Amex travel protections

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.

Apply here: Amex Platinum

Chase Sapphire Reserve® and Chase Sapphire Preferred® Cards

The Chase Sapphire Reserve offers two different travel accident insurance benefits : common carrier travel accident insurance and 24-hour travel accident insurance. The former applies while riding as a passenger in, entering or exiting any common carrier. The latter applies any time during your trip — but you cannot be paid out on both the common carrier and 24-hour policies.

If you use your Chase Ultimate Rewards points  to book your trip, you are covered under the card’s benefits.

People eligible for coverage include “you, your spouse, your spouse’s or domestic partner’s children, including adopted children or stepchildren; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews.” Chase pays up to $1,000,000 for a common carrier loss and up to $100,000 for a 24-hour policy loss based on the following table:

Some interesting exclusions with Chase that would prevent a payout include the insured person participating in a motorized vehicular race or speed contest, the insured person participating in any professional sporting activity for which they received a salary or prize money or if the insured person traveling or flying on any aircraft engaged in flight on a rocket-propelled or rocket-launched aircraft.

The Chase Sapphire Reserve also offers emergency evacuation insurance. If at least a portion of your or an immediate family member’s trip was paid for with the card, you’re eligible for up to $100,000 in emergency medical evacuation. Your covered trip must be between five and 60 days and be at least 100 miles from your residence. If you are hospitalized for more than eight days, the benefits administrator can arrange for a relative or friend to fly round-trip in economy class to your location. You can also be reimbursed for the cost of an economy ticket home if your original ticket cannot be used. In a worst-case situation, the benefit also pays up to $1,000 to repatriate your remains.

The Chase Sapphire Preferred Card offers the same travel accident insurance as the Reserve, except with lower payouts on the common carrier policy. The benefits pay up to $500,000 for a common carrier loss and up to $100,000 for a 24-hour policy loss based on the following table:

For more details, see our full reviews of the Chase Sapphire Reserve and Chase Sapphire Preferred .

Related: Your guide to Chase’s trip insurance coverage

Apply here: Chase Sapphire Reserve and Chase Sapphire Preferred

United Club Infinite Card

The top-tier United Club Infinite Card offers both travel accident insurance and emergency evacuation insurance. The travel accident insurance benefits pay up to $500,000 for a common carrier loss.

The card also carries the same benefit as the Chase Sapphire Reserve for emergency evacuation coverage, with up to $100,000 of coverage provided for evacuation.

For more details, see our full review of the United Club Infinite Card .

Apply here: United Club Infinite

Bottom line

We hope none of us perfectly ever have to worry about either of these policies, but it’s nice to have peace of mind if you or your family need emergency assistance. This reassurance is just one more reason to ensure one of these cards is always in your wallet when traveling. The benefit guides of all cards are updated regularly, so make sure you don’t toss them in the trash when updates show up in the mail and read the online guides for the latest terms and conditions.

Additional reporting by Emily Thompson and Stella Shon.

SPONSORED:  With states reopening, enjoying a meal from a restaurant no longer just means curbside pickup.

And when you do spend on dining, you should use a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for free. 

These are the best credit cards for dining out, taking out, and ordering in to maximize every meal purchase.

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

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• Key takeaways

Is the Amex Business Platinum card worth it?

Amex business platinum card rewards, amex business platinum card benefits, amex business platinum card fees, rates & limit, how the amex business platinum card compares, is the amex business platinum card right for me, how do i apply for the amex business platinum card, faq: amex business platinum card.

Amex Business Platinum Card Review 2024: Is It Worth It?

• The Business Platinum Card® from American Express offers a chance to earn 5x points on travel and rack up points on everyday business spending too.
• Card members can benefit from more than $1,000 in statement credits every year.
• This card does come with an annual fee of $695 ( see rates and fees ).
• You can carry a balance for some charges with the Pay Over Time feature, but not for all.

At first glance, The Business Platinum Card® from American Express comes with a high admission price — its annual fee is almost $700. However, when you dig into the benefits, you find out that it also comes with more than $1,000 in statement credits annually and ample opportunity for earning valuable points. That’s especially true if you book travel for yourself or your employees regularly.

Find out more about this card to decide if it’s right for you in our Amex Business Platinum card review.

We’ll take a look at:

• How you can maximize rewards with this card
• What types of statement credits you can get
• Whether this is a charge card or credit card
• How to apply for the Amex Business Platinum card
• Excellent welcome offer
• Easy to earn points
• Great travel benefits
• No intro APR offer
• Hefty $695 annual fee
• High spending requirement for welcome offer

The Business Platinum Card® from American Express may be worth it for business owners who travel frequently and can take advantage of its premium travel benefits, such as Amex lounge access worldwide. It also comes with high point earnings on select purchases, which makes it a great option for businesses that spend on more than just travel.

However, this American Express card does come with a substantial annual fee of $695. This makes it less appealing for small businesses that don’t usually spend much on travel. In these cases, you may prefer another business credit card better suited to your organization.

Amex Business Platinum pros and cons

• A generous welcome offer
• 5x points on prepaid flights and hotels booked through American Express Travel
• Comprehensive travel benefits including access to Amex lounges worldwide
• Up to $1,400 in credits, including for airline fees, Dell purchases and more
• A high annual fee of $695
• A more complex rewards system that requires careful management and an understanding of your options
• Requires good to excellent credit

Learn more about the Amex Business Platinum card

Terms apply / Rates & fees

As the flagship business rewards card , the Amex Business Platinum offers an excellent rewards structure, especially if you book regular travel for yourself or your staff. 

Welcome offer

You can earn 120,000 Membership Rewards Points when you spend $15,000 in the first three months of holding this card. 

The value of rewards points depends on how and when you redeem them, but the average is around 1 cent per point. That means this welcome offer has a potential value of around $1,200.

Earn Amex Business Platinum rewards

You can earn valuable rewards points outside of the welcome offer too, including:

• 5x points when you book prepaid flights and hotel stays through American Express Travel
• 1.5x points on certain business expenses, such as electronic goods, construction and hardware expenses, software subscriptions and expenses and shipping
• 1.5x points on any purchase of $5,000 or more
• 1x points on all other purchases

Redeem Amex Business Platinum reward points

You can redeem Amex Platinum Business card rewards in a variety of ways, providing flexibility on how you use these perks. 

Some options include:

• Booking travel.  When you use your rewards to book through American Express Travel, you typically get the most value per point.
• Transferring points. Amex lets you transfer points to hotel and airline rewards programs, including Delta, Marriott Bonvoy and Virgin Atlantic. You need at least 500 points to transfer and must transfer in increments of 250 points.
• Shopping.  You can use your points to purchase gift cards and merchandise.
• Receiving a statement credit. Request a conversion to cash back and get a statement credit using your points.
• Donating to charity. In some cases, you can redeem points for charity donations—a benefit that could help with goodwill for your business. 

In addition to a pretty strong rewards structure, the American Express Business Platinum card offers some great benefits for business card members . 

Travel benefits

Amex is known for its travel cards , and the Amex Business Platinum is no exception.

Some travel benefits you can get with this card include:

• American Express Global Lounge Collection.  Platinum cardholders get access to Amex lounges across the globe, making business travel more enjoyable. 
• Marriott Bonvoy Gold Elite status. You can leverage our card membership status to upgrade to Elite status with this hotel rewards program without meeting stay requirements. That can help you earn free nights and other perks faster. 
• Hilton Honors Gold status.  Not a Marriott Bonvoy member? That’s okay because you get a similar benefit with Hilton’s hotel rewards program. 
• Fine Hotels & Resorts program.  When booking luxury and other hotel stays through American Express Travel, you can get hundreds of dollars in perks and upgrades, making any stay more enjoyable. 
• Travel insurance. By paying for travel expenses with your Amex Platinum Business card, you get automatic Amex travel coverage that helps mitigate losses due to delayed or canceled trips, interruptions during travel, damage to rental cards or lost or delayed baggage.

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

Statement credits

The Amex Business Platinum card comes with a bevy of statement perks every year to help your business save money. 

Options include:

• Indeed statement credit. You can get up to $90 back each quarter on purchases you make with Indeed as you work to round out your staff. This credit opportunity is through December 2024.
• Dell statement credit.  Through December 2024, you can earn up to $400 on purchases with Dell in the United States. You can earn up to $200 semi-annually.
• Adobe statement credit.  If you use your Amex Platinum Business card to pay for an auto-renewing Adobe subscription, you can get up to $150 back in statement credits per year.
• Wireless services statement credit. You can get up to $120 back per year when you use your Business Platinum card to pay for services with a U.S.-based wireless phone carrier. 
• Airline fee credit.  You can get up to $200 in credits on airline fees, including baggage fees. You’ll need to choose one airline and spend with that airline to get these perks.
• CLEAR plus credit.  Earn up to $189 back on CLEAR Plus membership annually when you pay with this card.
• Global Entry or TSA PreCheck credit.  Get up to $100 in statement credit every 4.5 years to help cover the cost of either Global Entry or TSA Precheck .

Shopping protections

Using your Amex Business Platinum to make purchases for your company ensures you’re backed by numerous shopping protections.

These protections include:

• Extended warranty. When you use this card to purchase items that have a manufacturer’s warranty of five years or less, you get extended coverage for up to one year. That means if your business laptop, printer, copy machine, or other covered item breaks right after the manufacturer’s warranty is up — as often happens — you’re still covered. 
• Purchase protection. Use your Amex card to purchase items and get peace of mind knowing you can get reimbursed for losses if the item is damaged in an accident or stolen. This coverage is good for up to $10,000 per incident and a total benefit of $50,000 per year.
• Return protection.  If you can’t return your item to a vendor, you may be able to return it directly to Amex and get a refund. 
• Cell phone protection.  Amex coverage will reimburse you for replacement or repair of a damaged cell phone up to $800 total minus a $50 deductible. You can use this benefit up to two times annually as long as you are paying your cell phone bill with your Amex card.

So far, the Amex Business Platinum is stacking up to sound like a great option. But you need to understand the fee structure to know if all those rewards and statement credit opportunities actually end up profiting your business. 

Business Platinum Card from American Express fees

With Amex, huge perks and rewards usually come at a price, and that’s true with this card. The annual fee is $695. However, you can add up to 99 employee cards at no additional fee, and spending on those cards also earns rewards ( see rates and fees ).

Other fees you may pay with this credit card include:

• $39 or 2.99% of any past due balance when you make a late payment, whichever is greater
• $39 if your payment is ever returned

You won’t pay foreign transaction fees if you make purchases outside of the United States.

Business Platinum Card from American Express interest rates

With this card, Amex offers a Pay Over Time feature that lets you carry a balance over time at an APR of 19.49% to 27.49% variable, depending on your creditworthiness. This feature is only available on certain purchases and is limited by a Pay Over Time Limit, which works similarly to a credit limit. 

If you make late payments, you may be assessed a penalty APR of 29.99% variable for 12 billing cycles. The penalty APR applies if you make two or more late payments within 12 months, you have a returned payment or you fail to make a minimum payment at all within an entire statement cycle. 

Business Platinum Card from American Express credit limit

This card doesn’t come with a preset spending limit. The amount you can spend at any one time depends on your credit history and your management of American Express credit card accounts, including this one. As you demonstrate responsible account management, you can typically increase your credit limit . 

Note that the Pay Over Time benefit does come with a limit. This limit might also change as you demonstrate a responsible payment history. You can call Amex to discuss your limits and how much you would like to be able to spend.

While it’s one of the most costly when it comes to an annual fee, the Amex Business Platinum is among the top business rewards cards on the market. It offers plenty of statement credits, rewards opportunities and card member perks, and you may find that you get more benefits from this card than others.

The Business Platinum Card from American Express vs. American Express® Business Gold Card

For businesses that can’t maximize Platinum card perks, an American Express Business Gold Card might be a better option. The annual fee for this card is only $375 ( see rates and fees ), and you earn 4x points on two spending categories you select, 3x points on flights and hotels booked through American Express Travel and 1x points on other purchases. You can also get a welcome offer of 70,000 bonus points when you spend $10,000 in the first three months.

It’s worth noting that you can only earn 4x points in your selected categories on a total of $150,000 in spending annually. After that, spending in those categories earns 1x points. 

While the Business Gold card doesn’t offer quite the same level of perks and statement credits that the Platinum card does, you can still earn $155 in Walmart+ credit and $20 monthly credits for eligible business expenses. 

The Business Gold card also utilizes Pay Over Time features, and the rates and fee structures on this card are the same as they are for the Platinum card. 

Read our full Amex Business Gold card review

The Amex Business Platinum card holds a lot of enticing benefits, but it’s best for businesses that have higher spending budgets. If you’re only spending a few thousand each month, you probably won’t maximize the rewards and perks on this card, making that $695 annual fee a financial albatross.

Explore these alternatives if you’re not convinced the Amex Business Platinum card if the right fit for you.

• Capital One Spark business cards
• Chase business cards

You can learn more about the Amex Business Platinum card and apply online. The application typically only takes a few minutes and requires information such as your full name, Social Security or tax ID number, business name, address and contact information, and some basic information about your business revenue or finances. In some cases, Amex might ask for more information, and you may need to provide documents like tax paperwork or checking account statements.

This card requires good or excellent credit . People with credit scores of 700 or higher have the best chance of being approved for this card, but other factors, such as income and overall credit history, are factors in approval.

What credit score do you need for an American Express Business Platinum Card?

You need good or excellent credit to get approved for this card, and a higher score improves your chances. Look to apply for this card if you have a score of 700 or higher. If your score is lower, you may want to consider other options.

How much does the American Express Business Platinum Card cost each year?

The annual fee on this card is $695. However, if you maximize statement credit and rewards opportunities, you can balance out that cost and end up earning with this card.

Can you carry a balance on Amex Business Platinum?

Yes, you can carry some balances forward using the Pay Over Time feature. You must pay other balances off every statement cycle.

How do you redeem American Express Platinum points?

You can redeem American Express points earned with the Platinum card on travel, as statement credits or for various other purchases, including gift cards. Redeem points for travel via American Express Travel or by transferring the points to a hotel or airline loyalty rewards program that participates with Amex.

What type of business do I need to get an American Express Business Platinum Card?

Amex accepts applications from all types of business owners. You can apply as a sole proprietor even if you are the only employee of your business, for example. Whether you are approved has less to do with your business type and more to do with your credit history, business income and ability to make your statement payments.

What airport lounges do I have access to with my American Express Business Platinum Card?

Card members can access more than 1,400 airport lounges across the globe. That includes Aspire, Escape, Plaza Premium, Delta Sky Club and Priority Pass lounges. Some lounges require you to enroll in a program or be flying a certain airline that day.

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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