barclay credit card travel protection

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Which Credit Card Issuer Has the Best Travel Insurance: American Express vs. Discover vs. Barclays?

Many credit card users are familiar with travel benefits offered by their credit cards including car rental coverage and lost luggage protection. Some credit cards go beyond this level of coverage, providing travel insurance that covers cardholders in the event of unforeseen events, accidents or illnesses. We’ll take a look at three big credit card issuers and the types of credit card travel insurance they offer. This coverage may factor into your decision when you’re choosing which credit card to use when booking a trip, which is an important decision to make in case you need to make a claim.

Two Types of Credit Card Travel Insurance

There are two types of travel insurance offered by credit cards:

• Trip Cancellation Insurance

Travel Accident Insurance

Trip cancellation insurance covers the cost of your travel, up to a certain amount, if you have to cancel or delay your trip because of an illness, accident or a death in your immediate family. To take advantage of this insurance, you must have booked the trip with the credit card that includes the coverage. The insurance will most often cover the cost of carrier transportation including airfare or a train ticket, but not the cost of lodging.

Travel accident insurance is similar to life insurance, providing coverage for you and your immediate family, up to a certain amount, in the event of an illness, accident or fatality that occurs while you’re traveling. Policies are often very specific on what is covered and when it is covered. It helps to pay close attention to the terms of the policy to know when you’re covered.

Let’s take a closer look at credit card travel protection offered by American Express, Barclays and Discover.

Best American Express Cards With Travel Insurance

All American Express credit cards include travel insurance when you purchase the flight with your Amex credit card or use Membership Rewards. The coverage amount depends on the credit card.

• Amex cards with up to $100,000 in coverage
• Amex cards with up to $250,000 in coverage
• Amex cards with up to $500,000 in coverage

What Does American Express Travel Insurance Cover?

American Express travel insurance provides coverage for loss of life and dismemberment that occurs while on a common carrier. To be covered, you must pay for the entire trip using your credit card . You won’t be covered if you use frequent flyer points from another program or another form of payment for any part of the trip. However, if you combine American Express Membership Rewards Points and a credit card to pay for your ticket, you will be covered.

While American Express does not automatically provide coverage for trip cancellation or trip delays, they do offer a separate travel insurance package that consumers can purchase regardless of the credit card used to book travel. Coverage includes trip cancellation and interruption, travel accident protection, global medical protection, global baggage protection, global trip delay, and 24-hour travel assistance starting at $59. You can also choose individual coverage for as low as $11.

What Does Discover Flight Accident Insurance Cover?

Your Discover credit card includes up to $500,000 in flight accident insurance. The benefit covers you, a domestic partner and any eligible dependent children in the event of an accidental death or bodily injury while you’re on a trip. The loss of life benefit is paid to the beneficiary who you’ve designated in writing and filed with the plan administrator. Or, if you haven’t designated a beneficiary, the benefit will be paid to your first surviving beneficiary in this order: your spouse, your children, your parents, your brothers, and sisters or your estate. Claims must be filed with the plan administrator within 90 days.

Best Barclays Cards With Travel Insurance

A few of Barclays’ credit cards include travel insurance, trip cancellation coverage, and trip delay coverage:

• Luxury Card™ Mastercard® Black Card™
• Luxury Card™ Mastercard® Titanium Card™

What Does Barclay Travel Insurance Cover?

Barclays travel insurance provides medical expense, loss of life coverage and reimbursement for trip cancellation, interruption or delay. Coverage applies when you use one of Barclaycards credit cards to pay for your trip.

Barclays provides $250,000 in travel accident insurance which covers you, your spouse, and unmarried dependent children. Your family is insured against accidental loss of life, limb, sight, speech or hearing while you’re a passenger on a carrier that you’ve paid for with your credit card.

Trip Interruption/Cancellation Insurance

Barclaycards credit cards include trip interruption/cancellation insurance which will reimburse you for up to $1,500 towards the cost of a trip that is canceled due to sickness, accident or death. Barclays travel insurance coverage kicks in if your trip is interrupted because of:

• severe weather
• a change in military orders
• a medical quarantine
• jury duty or subpoena
• terrorist attack or hijacking
• an uninhabitable dwelling

Bonus: Trip Delay Insurance

World Elite credit cards also include Trip Delay. You’ll be reimbursed up to $300 when your trip is delayed by six hours or more. So, for example, if you needed to book a hotel because a flight was delayed, your card benefits would reimburse you up to $300 for the hotel stay.

Which Credit Card Includes the Most Travel Insurance?

First place.

Barclays covers not only accident insurance and trip interruption/cancellation but also includes trip delay insurance. This extensive travel coverage makes Barclays the winner.

SECOND PLACE

American express.

American Express credit cards come with varying levels of coverage and only cover loss of life and dismemberment. The premium credit cards that come with higher coverage amounts also have high annual fees. If you want trip cancellation insurance, you’ll have to purchase a separate policy.

THIRD PLACE

While Discover cards all come with $500,000 of travel accident insurance, coverage only applies to loss of life, not medical expenses related to dismemberment.

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

The best cards for trip cancellation and interruption insurance — and what it actually covers

Planning and taking a trip can be exciting, but unexpected events can disrupt even the most meticulously organized vacations. Sudden illness, severe weather and unforeseen circumstances can throw a spanner in the works, forcing you to change your plans and seek compensation.

In this guide, we will explore the best credit cards that offer trip cancellation and interruption insurance , shedding light on what these policies cover and providing you with peace of mind for your next adventure.

Best credit cards for trip cancellation and interruption insurance

• Chase Sapphire Reserve : Best for travelers who want the most travel protections
• Chase Sapphire Preferred Card : Best for travelers looking for a sub-$100 annual fee
• Capital One Venture X Rewards Credit Card : Best for Capital One loyalists
• United Club Infinite Card : Best for United loyalists
• IHG One Rewards Premier Credit Card : Best for IHG loyalists
• World of Hyatt Credit Card : Best for Hyatt loyalists
• Ink Business Preferred Credit Card : Best for business travelers
• The Platinum Card® from American Express : Best when traveling with non-family companions

The cards listed above are our top picks for trip cancellation and interruption insurance. But many other cards — including some Bank of America and Barclays cards — also offer trip cancellation and interruption protection.

Related: Credit cards with trip cancellation insurance

What is trip cancellation and trip interruption insurance?

Trip cancellation and interruption insurance may reimburse nonrefundable, prepaid trip expenses when you cancel or alter your trip due to a covered situation. In some cases, you may even be covered for select additional costs. But maximum coverage amounts, the types of covered situations and eligible expenses vary from card to card.

Generally, trip cancellation insurance provides reimbursement when you must cancel a trip before its departure date. Meanwhile, trip interruption insurance may refund you if an ongoing trip is interrupted or canceled.

Although you can buy separate travel insurance that will provide a partial refund if you cancel your trip for any reason , trip cancellation and interruption insurance doesn't typically work the same way. Instead, trip cancellation and interruption insurance typically has specific covered losses and exclusions that define the situations in which you can claim reimbursement (and these vary from card to card).

Many different types of cards — including some credit cards with no annual fee — offer trip cancellation and interruption insurance when you purchase travel with your card. The remainder of this guide details some of our favorite cards that offer trip cancellation and interruption benefits. Of course, benefits frequently change. So it's best to look at your card's guide to benefits before booking to understand your card's protections.

Related: Why you might actually need road trip travel insurance

What is the difference between trip cancellation and trip interruption coverage?

The main difference between trip cancellation and trip interruption coverage is timing. Trip cancellation insurance protects your trip from when you make the initial payment to the time of your scheduled departure. In contrast, trip interruption insurance covers your trip from the day of your scheduled departure to your scheduled return date.

Does credit card insurance cover natural disasters?

Generally, trip cancellation and trip interruption insurance will cover nonrefundable expenses if you need to cancel your trip (or the remainder of your trip) due to a natural disaster. However, credit card insurance policies vary, so check your benefits guide for specific exclusions.

Note that you must book your trip before the natural disaster starts to be covered. If a storm or hurricane is named and you book your trip afterward, you likely won't be covered.

Related: 4 times your credit card's travel insurance can help with travel woes, and 7 times it won't

Premium Chase credit cards

Chase credit cards offer some of the best credit card travel protections. The Chase cards in the table below provide trip cancellation and interruption insurance with relatively high maximum coverage amounts.

To help you understand this benefit, let's consider the specific protection provided by the Chase Sapphire Preferred Card as described in its guide to benefits . The other Chase cards listed in the above table provide similar benefits, but check your card's guide to benefits to ensure your coverage is the same.

When you use an eligible Chase card (like the Chase Sapphire Preferred Card ) to pay for select travel expenses, you and your immediate family may be eligible for trip cancellation and interruption protection. You must charge all or a portion of the cost to your Chase credit card (including bookings made with points through the Chase Ultimate Rewards portal associated with your account).

Eligible trip cancellation or interruption events

You'll only be eligible for reimbursement if certain events cause the cancellation or interruption of your travel arrangements. For example, Chase may provide trip cancellation and interruption coverage for the following circumstances:

• You or your traveling companion experience accidental bodily injury, death or sickness that prevents travel
• An immediate family member of you or your traveling companion dies or experiences accidental bodily injury or sickness that is life-threatening, requires hospitalization or requires care by you or your traveling companion
• Severe weather that would prevent a reasonable and prudent person from beginning or continuing on a trip (the weather must meet specific requirements regarding timing, location and effect on your trip)
• Named storm warning
• Change in military orders for you or your spouse
• A call to jury duty or a court subpoena that you can't postpone or waive
• Your or your traveling companion's permanent residence is uninhabitable, burglarized or damaged by fire or flood
• Your or your traveling companion's lodging at your destination becomes uninhabitable
• Your or your traveling companion's host at your trip's destination dies or is hospitalized
• A physician or a competent governmental authority having jurisdiction requires you or your traveling companion to quarantine due to health reasons
• You or your traveling companion miss at least 20% of your trip or the departure of a prepaid cruise or tour due to an organized strike affecting public transportation

Related: 6 lesser-known Chase Sapphire Reserve travel and shopping benefits

Additionally, Chase may provide trip cancellation coverage for the following events:

• Terrorist incident within 25 miles of your or your traveling companion's place of permanent residence within 30 days of your scheduled departure date
• U.S. government travel warning due to terrorism for the immediate vicinity of your or your traveling companion's place of permanent residence within 10 days of your scheduled departure
• Terrorist incident within 25 miles of an airport, booked lodging or destination host's location as listed on your itinerary within 30 days of your scheduled arrival
• U.S. government travel warning due to terrorism for a geographic area within 25 miles of an airport, booked lodging or destination host's location that's in effect within 30 days of your scheduled departure

Finally, Chase may provide trip interruption coverage for the following events:

• Terrorist incident within 25 miles of an airport, booked lodging or destination host's location as listed on your itinerary while on a trip
• A U.S. government travel warning due to terrorism for a geographic area within 25 miles of an airport, booked lodging or a destination host's location that is issued during your or your traveling companion's trip

Related: Your guide to Chase's trip insurance coverage

Excluded reasons for trip cancellation or interruption

However, you won't be eligible for reimbursement if any of the following directly or indirectly cause (or result from) the trip cancellation or interruption:

• A change in plans, financial circumstances and any business or contractual obligations
• A preexisting condition or any other event that occurs or commences before the trip's initial deposit date or booking date
• Any loss due to voluntarily surrendering unused vouchers, tickets, credits, coupons or travel privileges from the travel supplier before their expiration date
• Travel after the 26th week of pregnancy, travel when any multiple pregnancy occurs before the initial deposit date or booking date of the trip, or travel during any pregnancy associated with an assisted reproductive program
• Any loss for any trip booked while on a waiting list for specified medical treatment or booked to obtain medical treatment
• Disinclination to travel due to civil unrest
• Failure to obtain necessary visas, passports or other documents required for travel
• Commission or attempted commission of any illegal act
• Suicide, attempted suicide or intentionally self-inflicted injury
• Being under the influence of any narcotic, legal recreational marijuana or other controlled substance at the time of a loss (except if the narcotic or other controlled substance is taken as prescribed by a physician)
• Disinclination to travel, a country closing its borders or a travel supplier canceling or changing travel arrangements due to an epidemic or pandemic
• Default of the common carrier resulting from financial insolvency or financial insolvency of a travel agency, tour operator or travel supplier
• War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel, any action taken in hindering or defending against any of these, the destruction or seizure of property for a military purpose or any consequences of any of these acts (war does not include terrorism)

Additionally, Chase won't provide trip cancellation coverage for trips booked to any area associated with terrorist activity. Plus, trip interruption coverage won't be provided for loss caused by or resulting from:

• Travel arrangements that a travel supplier cancels or changes unless the cancellation results from severe weather or an organized strike affecting public transportation
• Any terrorist incident or travel warning within 25 miles of your or your traveling companion's place of permanent residence within 30 days before the initial deposit date or booking date of the trip
• A terrorist incident within 25 miles of an airport, booked lodging or destination host's location within 30 days of your initial deposit date or booking date of the trip

Related: Should you get travel insurance if you have credit card protection?

What expenses are covered?

In general, Chase will only reimburse you for eligible nonrefundable, prepaid travel expenses charged by a travel supplier or redeposit fees imposed by a rewards program administrator. However, for trip interruption, Chase may also reimburse you for the following:

• Change fees
• Costs to return a rental vehicle to the closest rental agency
• Costs to return your vehicle to your closest leased or owned residence
• Ground transportation expenses up to $250 to directly transport you for necessary medical treatment (excluding transportation in vehicles operated by a medical facility or specifically designed to transport sick or injured individuals)
• Prepaid, unused and nonrefundable land, air or sea arrangements (if you must postpone a trip due to a covered loss and set a new departure date)

But, if your trip cancellation or interruption results in a credit from a travel supplier, you will not receive any payment for that portion of the eligible travel expenses until the credit expires. And additional transportation expenses will not be reimbursed, including the difference in cost between the original fare or any new fare to return home or rejoin the trip.

Official application link: Chase Sapphire Reserve Official application link: Chase Sapphire Preferred Card Official application link: United Club Infinite Card Official application link: IHG One Rewards Premier Credit Card Official application link: World of Hyatt Credit Card Official application link: Ink Business Preferred Credit Card

Other select Chase credit cards

Several other Chase cards, including the United Explorer Card , Chase Freedom Flex and Chase Freedom Unlimited , also provide trip cancellation and interruption insurance.

However, these cards have far fewer covered expenses than the Chase cards discussed in the previous section. In particular, these cards only cover nonrefundable prepaid passenger fares.

The Chase Freedom Flex guide to benefits , for instance, covers you in similar cases as the more premium Chase cards above:

• Nonrefundable prepaid travel expenses charged by a cruise line, airline, railroad or another common carrier
• Change fees to a travel supplier (if you interrupt your travel instead of canceling)
• Redeposit fees to a rewards program administrator
• Ground transportation expenses up to $250 for transport to necessary medical treatment (excluding transportation in vehicles operated by a medical facility or specifically designed to transport sick or injured individuals; only for trip interruption)
• Prepaid unused nonrefundable land, air or sea arrangements (if you must postpone a trip due to a covered loss and set a new departure date)

Chase may reimburse you up to $1,500 per person per trip. However, there is a reimbursement cap of $6,000 for all covered persons on the same trip.

Related: Here's why 1 TPG staffer buys an annual travel insurance policy, even though his credit cards offer travel protections

Capital One Venture X Rewards Credit Card

You can get up to $2,000 per insured person in trip cancellation and interruption protection when you use the Capital One Venture X to pay for nonrefundable common carrier tickets.

Your spouse or domestic partner and your dependent children are eligible for coverage when you pay for the entire cost of common carrier transportation (less redeemable certificates, vouchers or coupons) with your Venture X account.

The list of eligible trip cancellation or interruption events for coverage is short and simple with the Venture X. You may be covered if one of the following applies:

• You or an immediate family member dies or experiences accidental bodily injury, disease or physical illness that prevents you from traveling (as verified by a physician)
• Your common carrier defaults as a result of financial insolvency

Related: Does paying the taxes and fees on award flights trigger trip protections?

Even if one of the above losses applies, you won't be covered if any of the following caused or led to the loss:

• A preexisting condition
• Accidental bodily injuries from participation in interscholastic or professional sports events, racing or speed contests or uncertified scuba diving
• Cosmetic surgery (unless necessary due to a covered loss)
• Being under the influence of drugs (except as prescribed by a physician) or alcohol
• Traveling against the advice of a physician, while on a waiting list for specified medical treatment, to obtain medical treatment or in the third trimester (seventh month or after) of pregnancy
• Suicide, attempted suicide or intentionally self-inflicted injuries
• Declared or undeclared war (war does not include acts of terrorism)
• An insured person's emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection or bodily malfunctions (except physical illness or disease which prevent travel and bacterial infection caused by accident or from accidental consumption of a substance contaminated by bacteria)

Related: 7 times your credit card's travel insurance might not cover you

The Venture X's trip cancellation and interruption protection won't cover as much as the premium Chase cards discussed above. According to the Venture X guide to benefits , Capital One will only reimburse up to $2,000 per insured person for the following:

• Your nonrefundable common carrier ticket (but only once any unused credit voucher you get from the common carrier expires)
• Change or cancellation fees on common carrier tickets

Learn More: Capital One Venture X

Select American Express cards

Some Amex cards offer trip cancellation and interruption insurance of up to $10,000 per trip (up to $20,000 per card per 12 consecutive months). Here's a list of some of these cards:

• The Platinum Card from American Express * (including most Amex Platinum varieties )
• The Business Platinum Card® from American Express *
• Delta SkyMiles® Reserve American Express Card *
• Delta SkyMiles® Reserve Business American Express Card *
• Marriott Bonvoy Brilliant® American Express® Card *
• Hilton Honors American Express Aspire Card *

The information for the Hilton Aspire Amex Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

*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.

You can find benefit guides for these cards on Amex's website .

You, your family members and your traveling companions may be covered when you charge the full cost of round-trip common carrier transportation to an eligible Amex card. You'll also get coverage when you use an eligible Amex card in combination with Membership Rewards points or redeemable certificates, vouchers, coupons or discounts awarded from a loyalty program.

For coverage purposes, round-trip travel may consist of one-way tickets or a combination of round-trip and one-way tickets.

Related: Which is the best American Express credit card for you?

Based on the benefits guide for the above-mentioned Amex cards, covered losses include trip cancellations or trip interruptions that result from the following:

• Accidental bodily injury, death or sickness (including of a covered traveler's family member)
• Inclement weather that would prevent a reasonable and prudent person from traveling or continuing on a trip
• Change in military orders (including of a covered traveler's spouse)
• Terrorist action or hijacking
• Call to jury duty or subpoena by the courts that can't be postponed or waived
• A dwelling that becomes uninhabitable
• Quarantine imposed by a physician for health reasons

Related: Should you purchase travel insurance for your vacation rental?

For Amex's trip cancellation and interruption insurance, coverage does not apply to any accident, accidental bodily injury or loss caused by or resulting directly or indirectly from the following:

• Preexisting conditions
• Suicide, attempted suicide or intentionally self-inflicted injury by the traveler
• A declared or undeclared war
• Mental or emotional disorders (unless hospitalized)
• Participation in a sporting activity (with a salary or prize money) by the traveler
• Intoxication by the traveler at the time of an accident (as defined by the laws of the location where the accident occurs)
• The traveler is under the influence of any narcotic or other controlled substance at the time of an accident (unless taken as prescribed by a physician)
• Commission or attempted commission of any illegal or criminal act by the traveler
• The traveler parachutes from an aircraft or engages or participates in a motorized vehicular race or speed contest
• Dental treatment, except as a result of accidental bodily injury to sound, natural teeth
• Any nonemergency treatment, surgery or routine physical examination
• Hearing aids, eyeglasses or contact lenses
• The traveler is incarcerated
• Loss due to intentional acts by the traveler
• Financial insolvency of a travel agency, tour operator or travel supplier

Related: Will your travel insurance cover you in case of vendor bankruptcy?

If a covered loss causes you to cancel your trip, Amex may reimburse you for the nonrefundable amount you paid to a travel supplier with your eligible card.

However, suppose a covered loss causes you to interrupt your trip. In that case, Amex may reimburse you for the nonrefundable amount paid to a travel supplier with your eligible card for the following:

• The forfeited, nonrefundable, prepaid land, air and sea transportation arrangements that eligible travelers missed
• Additional transportation expenses incurred by eligible travelers, less any available refunds (not to exceed the cost of an economy-class ticket by the most direct route to rejoin the trip or return to the trip's origin)

Now, suppose a covered loss causes you to temporarily postpone transportation by a common carrier for a covered trip and set a new departure date. In that case, Amex will reimburse you for the following:

• Additional expenses incurred to purchase tickets for the new departure (not to exceed the difference between the original fare and the economy fare for the rescheduled trip by the most direct route)
• Unused, nonrefundable land, air and sea arrangements paid to a travel supplier

Official application link: The Platinum Card from American Express Official application link: The Business Platinum Card from American Express Official application link: Delta SkyMiles Reserve American Express Card Official application link: Delta SkyMiles Reserve Business American Express Card Official application link: Marriott Bonvoy Brilliant American Express Card

Visa Infinite cards

Although some Visa Infinite cards offer their own trip cancellation and interruption insurance, all Visa Infinite credit cards issued by U.S. banks provide a basic level of protection.

Visa Infinite cards offer trip cancellation and interruption protection covering the cardholder (you) and your immediate family when you purchase common carrier travel with your card. This benefit can reimburse up to $2,000 per trip for nonrefundable common carrier fares if you must cancel or interrupt your trip for a covered reason.

You can see a quick overview of the Visa Infinite protections on Visa's website . However, your card's guide to benefits will have the full details.

Related: How to choose the best Visa card for you

Who is covered?

Who is covered by credit card trip cancellation and interruption insurance varies greatly. For example, eligible premium Chase cards cover the cardholder and immediate family members when the cardholder pays for all or a portion of a trip with their card account or rewards associated with their account. For these cards, an immediate family member is someone with any of the following relationships to the cardholder:

Spouse, and parents thereof; sons and daughters, including adopted children and stepchildren; parents, including stepparents; brothers and sisters; grandparents and grandchildren; aunts or uncles; nieces or nephews; and Domestic Partner and parents thereof, including Domestic Partners or Spouses of any individual of this definition.

Immediate family members also include legal guardians or wards for premium Chase cards. And the guide to benefits for the Chase Sapphire Preferred notes that immediate family members do not need to travel with the cardholder for benefits to apply.

On the other hand, eligible American Express cards cover the cardholder, their family members and traveling companions. The guide to benefits for eligible Amex cards defines a traveling companion as "an individual who has made advanced arrangements with you or your Family Members to travel together for all or part of a Covered Trip" and family members as:

A spouse, Domestic Partner, or unmarried dependent child up to age 19 (or under age twenty-six (26) if a full time student at an accredited college or university).

So although Amex will cover traveling companions, you'll need to charge their common carrier fares to your eligible Amex card. On the other hand, Chase doesn't cover traveling companions but does provide a broad interpretation of family and doesn't require round-trip common carrier travel.

Related: Does credit card travel insurance cover authorized users?

How do I file a trip cancellation or trip interruption insurance claim?

• Contact your issuer: Call your credit card's benefits administrator or start a claim online. Even if you believe your insurance will cover you after reading your card's guide to benefits, it is usually a good idea to call the number on the back of your card. Doing so will let you ensure you're covered, learn about deadlines for making your claim and determine what documents you'll need to collect.
• Submit on time: Most claims must be made within 20-60 days of the cancellation to be eligible for reimbursement, depending on your specific card issuer's guidelines.
• Present evidence: After you present your claim, a benefits administrator will give you further instructions to file your claim. It'll help to submit physical documentation with your claim (such as receipts, doctor's notes and weather advisories), plus anything else that can help validate your claim.

A benefits administrator can usually walk you through specific steps to make your claim. Luckily, many card issuers also allow you to make claims online, so you may not even need to hop on the phone to send any physical documents.

Related: Comparing travel protections with the Chase Sapphire Reserve and Amex Platinum

Bottom line

The trip cancellation and interruption insurance provided by select cards can come in handy when something unexpected forces you to cancel or interrupt a trip.

However, there are many exclusions. So it pays to read the guide to benefits on your favorite cards. By doing so, you can determine the best card for booking flights and consider whether it's better to rely on the travel insurance provided by your card or purchase travel insurance .

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

Additional reporting by Ryan Wilcox and Emily Thompson.

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Barclaycard Arrival Plus Review: Closed to Applicants, but Flexible if You Have It

It's no longer available, but current cardholders get a high rewards rate on all purchases, along with flexible redemption. Just be aware that you don't get the perks of a dedicated airline or hotel card.

• High rewards rate on all purchases, not just bonus categories
• Sign-up bonus
• No foreign transaction fee
• Has annual fee
• Minimum redemption required for travel

$0 intro for the first year, then $89

18.24%-25.24% Variable APR

0% intro APR on Balance Transfers for the first 12 billing cycles

Rewards rate

2 miles per dollar

Bonus offer

• Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days

Ongoing APR

APR: 18.24%-25.24%, Variable

Cash Advance APR: 27.49%, Variable

Balance transfer fee

Either $5 or 3% of the amount of each transfer, whichever is greater

Foreign transaction fee

0% of each transaction in U.S. dollars

• Earn unlimited 2X miles on every purchase
• NEW - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
• Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
• Get 5% miles back to use toward your next redemption, every time you redeem
• No foreign transaction fees
• International Chip and PIN for use at self-service chip terminals around the world
• Miles don’t expire as long as your account is open, active and in good standing

Compare to Other Cards

Detailed review: Barclaycard Arrival Plus® World Elite Mastercard®

» this card is no longer available.

The Barclaycard Arrival Plus® World Elite Mastercard® is no longer accepting applications. See our best travel credit cards roundup for other options. Below is our review of the card from when it was still available.

Sometimes a solid card with fewer frills is a superior one. That's the case with the Barclaycard Arrival Plus® World Elite Mastercard® , a relatively simple travel rewards credit card with a high flat rewards rate, flexible travel redemption rules and a modest annual fee. However, as of 2019, this card is no longer taking new applications.

Existing cardholders have been able to keep and continue using it, though, and as of November 2022, the option to transfer rewards to several travel partners was introduced.

There's a no-annual-fee version of this card, with less robust perks, called the Barclaycard Arrival™ World Mastercard® . But it, too, has stopped accepting new applications.

» MORE: NerdWallet's best travel credit cards

Barclaycard Arrival Plus® World Elite Mastercard® : The basics

Card type: Travel .

Annual fee: $0 intro for the first year, then $89 .

Rewards: Unlimited 2 miles per dollar on all purchases. Each mile is worth 1 cent when redeemed for travel or 0.5 cent when redeemed for cash back.

When you redeem miles, you get 5% of those miles back toward your next redemption. You can start redeeming for travel with 10,000 miles, or 5,000 miles for cash back.

Redeem miles for almost any travel purchase of $100 or more, including airfare, hotels and cruises. Go online within 120 days of booking with your card and apply your miles for a statement credit.

Interest rate: 0% intro APR on Balance Transfers for 12 billing cycles, and then the ongoing APR of 18.24%-25.24%, Variable

Foreign transaction fees: None.

Balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater.

Other features: Chip-and-PIN capability.

Not sure whether paying the annual fee makes sense for you ? Try our calculator and see whether the rewards you earn on the Barclaycard Arrival Plus® World Elite Mastercard® will cover the fee.

Benefits and perks

G o o d ongoing rewards rate.

Earning an unlimited 2 miles per dollar spent, at a value of 1 cent per mile, is solid because it applies to all spending, not just spending in certain categories, such as travel, restaurants or supermarkets, which you find with other cards. So that means a great rewards rate whether you’re shopping online, paying for furnace maintenance or covering a doctor copay. Better yet, the 5% redemption bonus when you cash in miles — good toward a future redemption — boosts the effective rewards rate to 2.1%. This simple-but-lucrative rewards rate for all spending makes the card a candidate for top-of-wallet status.

It used to be harder to find a card that earned 2X on all purchases, no matter the category. But today, several other cards exist on the market that do just that. The Capital One Venture Rewards Credit Card earns 2X on every purchase with no limit for a similar annual fee.

» MORE: Making the most of the Barclaycard Arrival Plus® World Elite Mastercard®

Flexibility

Barclays has a liberal definition of “travel purchases,” giving you a lot of options for redeeming your miles, including spending with airlines, hotels, timeshares, campgrounds, car rental agencies, cruise lines, trains and buses, among others. And book however you want — directly with an airline or hotel, or through a travel agent or discount travel site. As long as you pay with the card, you can reimburse yourself with miles. That’s more flexible than travel credit cards that force you to book through the issuer’s travel portal to get the best rewards value. And it will appeal to budget travelers who prefer comparing travel deals from a variety of places. There are no blackout dates, restrictions or extra fees, as there can be with redeeming frequent flyer miles, for example.

Ease of use abroad

Like any good travel card, the Barclaycard Arrival Plus® World Elite Mastercard® has no foreign transaction fees. Plus, the card has chip-and-PIN capability. When traveling abroad, you may find that some kiosks and other automated payment systems require you to use a PIN to verify your identity, rather than a signature (though this requirement is not as common as it used to be ).

Transfer partners

Barclays closed the Barclaycard Arrival Plus® World Elite Mastercard® to new applicants in 2019, but as of November 2022 it added the ability to transfer miles to a host of travel partners. An odd addition to a card that is no longer open to new applications, it nevertheless gives current cardholders more options for redeeming their miles. However, the transfer ratio of Barclays points is inferior to other programs whose points largely transfer at a 1:1 ratio .

» MORE: Barclaycard credit cards mobile app review

Drawbacks and considerations

High redemption threshold.

The card has a minimum redemption for travel statement credits of 10,000 miles, or $100, which you'd have to spend $5,000 on the card in order to earn. For smaller spenders, it could be a long wait to accumulate enough miles to redeem. The minimum is 5,000 miles for other redemption options and 2,500 if used toward the card’s annual fee.

As an alternative pick, the Barclaycard Arrival Plus® World Elite Mastercard® has a doppelganger card: the Capital One Venture Rewards Credit Card . It also earns an unlimited 2 miles per dollar on most purchases, and it also allows you to redeem your miles for a statement credit against travel purchases. The a Capital One Venture Rewards Credit Card doesn’t offer the 5% redemption bonus, but it also doesn't have a minimum redemption requirement. So if you want to redeem miles for an $8 cab ride, you can.

The Capital One Venture Rewards Credit Card has an annual fee of $95 and a nice sign-up bonus: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. It doesn't charge a foreign transaction fee, but it also doesn't offer chip-and-PIN.

Low-value redemption alternatives

For cashing in miles, this is mostly a one-trick pony. You get a penny per mile for statement credit that offsets travel purchases, or for paying the card’s annual fee. You get half as much value — or less — if you redeem miles for cash back, gift cards or merchandise. You can now transfer miles to some travel partners, but the ratios are poor.

If you want better value when transferring points, you may be better off with a card like the Chase Sapphire Preferred® Card . It earns bonus rewards in a variety of popular spending categories, including dining and travel. Points are worth 1.25 cents apiece when used to book travel through Chase . Otherwise, points are worth a penny each. You can transfer your points to several major frequent travel programs at a 1:1 ratio. Transfer partners include United, Southwest, British Airways, Marriott and Hyatt. The Chase Sapphire Preferred® Card offers a comparable sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. But it does have a slightly higher annual fee: $95 .

Fewer travel freebies and perks

The card’s simplicity is also a potential drawback. It doesn’t offer the perks that some travel cards do, such as airport lounge access or reimbursement for TSA Precheck or Global Entry applications. And while you can use miles to pay for checked-bag fees on airlines, airline co-branded cards often give you checked bags for free, along with early boarding. Similarly, you can use miles from this card on hotel stays, but you won’t get the automatic free nights that some co-branded hotel credit cards offer.

Get 1.5 miles per dollar on all spending, plus a sign-up bonus, for an unbeatable $0 annual fee.

How to decide if it's right for you

The Barclaycard Arrival Plus® World Elite Mastercard® isn't taking new applications. But if you're an existing cardholder who's still satisfied with its simple but valuable rewards program — which can easily make up for its annual fee — it makes sense to keep it around. You can always supplement it with a premium travel card if you want to enjoy more luxury travel perks. But for those weary of paying an annual fee, it may be time to retire the Barclaycard Arrival Plus® World Elite Mastercard® and get a good $0-annual-fee travel card instead.

• The best credit cards of 2024
• Best travel credit cards
• Best rewards credit cards
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Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

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Barclays and Breeze Airways Unveil the Breeze Easy Visa Signature Co-Branded Credit Card

Airline also debuts breezy rewards loyalty program. 73% of surveyed fliers prefer a rewards credit card from an airline like breeze that flies from a smaller airport convenient to their home..

Wilmington, Del. | March 26, 2024

Breeze Airways and Barclays US Consumer Bank today announced the debut of the Breeze Easy ™ Visa Signature ® credit card. 

Breeze’s first co-branded credit card comes less than three years after the airline’s launch and offers up to 10X BreezePoints for Breeze purchases including airfare and trip add-ons, such as premium seating, additional checked bags and even inflight snacks and beverages. Other benefits include complimentary inflight Wi-Fi on Breeze’s Airbus fleet, priority boarding and accelerated earn on a wide range of everyday purchases, including grocery stores and restaurants. 

Breeze’s focus on jet service from underserved regional airports, along with its credit card partnership with Barclays, addresses some flyers’ most common pain points, as revealed in a recent survey conducted by Wakefield Research:

• 64% of flyers would prefer to fly out of a smaller, regional airport with nonstop flights, over a large hub, while 73% would prefer a rewards credit card from an airline that flies from an airport that’s convenient to their home. 
• Over half of regional flyers avoid major airports because of long security lines (63%) and large crowds (53%), and nearly half find expensive parking (49%) and congestion that could delay flights (47%) as turn-offs.
• 61% of those surveyed would likely apply for an airline’s rewards credit card if the airline flew out of a nearby regional airport.

“We’ve expanded rapidly since we took to the skies in May 2021. Today, we announced five more cities, so we now offer affordable flights from 56 cities across the US and are the largest carrier in terms of destinations served in 11 of those markets,” said David Neeleman, Founder and CEO, Breeze Airways. “Combined with Barclays’ trusted track record with major travel brands, I’m confident the Breeze Easy Visa will be THE airline card of choice for Breeze guests and frequent travelers.”

The Breeze Easy Visa Signature card is a partnership between Breeze Airways, one of the nation’s newest point-to-point airlines, Barclays, a leading co-branded credit card issuer, along with Visa, a world leader in digital payments.

Barclays is a leading co-branded credit card issuer and financial services partner in the United States, with more than 20 co-branded credit card programs, online savings accounts and personal loans. 

“Barclays is committed to being the premier choice for America’s best brands, bringing unique value to their loyal customers,” said Denny Nealon, CEO, Barclays US Consumer Bank. “Breeze Airways is unlocking affordable, elevated air travel to so many underserved markets and Barclays is thrilled to help Breeze Easy Visa cardmembers earn rewards for travel and more.”

The Breeze Easy Visa features numerous benefits including an introductory sign-up bonus valued at $500 and accelerated earn opportunities across travel and everyday categories. 

“Our tagline is ‘Seriously Nice’ and we think this card lives up to that brand promise,” stated Neeleman. “In fact, by doubling the BreezePoints earned for all Breeze purchases, we can confidently say the Breeze Easy Visa makes buying and flying with Breeze ‘Twice as Nice!”

The Breeze Easy Visa Signature card benefits include:

• 50,000 BreezePoints as an introductory sign-up bonus after spending $2,000 in the first 90 days of account opening. 
• 5X when flight is purchased, plus 5X once flight is completed.
• 2X when flight is purchased, plus 2X once flight is completed.
• 2X on eligible grocery store and restaurant purchases including inflight food and beverages.
• 1X on all other purchases.
• Complimentary Inflight Wi-Fi on Breeze’s Airbus fleet. 
• Priority Boarding for cardmembers and their travel companions on all Breeze flights. 
• BreezePoints that never expire. 
• 7,500 Anniversary Bonus BreezePoints after spending $10,000 on purchases each card membership year.

The card comes with an $89 annual fee. Terms and conditions apply. Visit MyBreezeEasyCard.com

“We’re thrilled to be joining Breeze and Barclays who are enhancing the travel experience by delivering more rewards to Breeze guests,” said Kirk Stuart, senior vice president, head of North America merchant, acquiring & enablement, Visa. “At Visa, we’re committed to being the best way for travelers to pay and be paid, wherever they choose to fly. We’re proud of the unique value we provide to Breeze and Barclays’ customers to meet their evolving loyalty needs.”

In tandem with the debut of the Breeze Easy Visa, the airline also announced the launch of its new loyalty program. Dubbed Breezy Rewards ™ , the program gives members the ability to earn BreezePoints for all Breeze purchases and access other benefits such as no change or cancel fees, seamless booking and flight management tools, and Free Family seating.

BreezePoints were initially introduced when the airline launched in 2021. By rebranding the guest rewards program as Breezy Rewards, Breeze is bringing to life the benefits of being a Breeze Easy Visa cardmember.

Breeze also introduced a new ‘fare-only’ option for travelers who desire the most basic experience. With the No Flex Fare, flight changes are not permitted but partial credit is issued for cancellations. Guests earn 1X BreezePoints and have up to 24-months to rebook using their remaining credit without an additional fee or penalty. As part of this change, Breeze also enhanced its Nice bundle to include a carry-on bag and added complimentary WiFi to both its Nicer and Nicest bundles. 

About Breeze Airways Breeze Airways began service in May 2021 and has been ranked as one of the U.S.’ best domestic airlines for the last two years by  Travel + Leisure magazine’s World's Best Awards (#2 in 2022 and #4 in 2023).   Breeze offers a mix of more than 170 year-round and seasonal nonstop routes between 56 cities in 29 states. Founded by aviation entrepreneur David Neeleman, Breeze’s mission is “Nice people, flying nice people, to nice places.” With a focus on providing efficient and affordable flights between secondary airports, Breeze is allowing travelers to bypass hubs for shorter travel times. With seamless booking, no change or cancellation fees, up to 24-months of reusable flight credit, and customized flight features delivered via a sleek and simple app, Breeze makes it easy to buy and easy to fly. Learn more about Breeze Airways at flybreeze.com.

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Should I get a special travel credit card for when I travel abroad?

A trip abroad deserves a specific travel credit card. It could help you avoid charges on withdrawals and purchases, or you could earn airline reward points before you jet off. Like with all credit cards, you should bear in mind the credit limit, interest rate and charges. That way you can spend more time enjoying the scenery and less time worrying about bills.

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If you agree with these statements, a travel credit card could be right for you

“I want to say ‘au revoir’ to costly hidden charges”

A major benefit of travel credit cards is that many, if not all, of the fees don’t apply for a set amount of time. You might also benefit from travel-related rewards and discounts, like air miles.

A credit card is also a safer alternative to carrying large amounts of cash while on holiday. However, the last thing you want is to pay mysterious fees whenever you take cash out or pay for a meal.

One fee you should look out for when using a credit card, especially abroad, is a non-sterling cash transaction fee. You might just need a little cash top-up to pay for a few drinks in a bar that doesn’t take cards. However, if you use the ATM you could incur a fee.

There’s also a non-sterling purchase fee. Let’s say you move down the street to a nicer bar that takes cards – there could still be a fee for spending in a foreign currency instead of sterling.

A retailer might give you the option of paying in sterling instead of the local currency...you’ll probably be charged a higher rate for the conversion.

To complicate things further, a retailer might give you the option of paying in sterling on your card instead of the local currency. This is called dynamic currency conversion. In one way it’s convenient because you can see on your bill exactly how much you’re about to spend, but bear in mind you’ll probably be charged a higher rate for the conversion.

It’s better to use a currency conversion app to understand how much you’re paying and avoid the charge by checking the bill before tapping to pay or entering your PIN. Then pay in the local currency if your card has no fees for non-sterling transactions.

If you decide to use the ATM anyway and accept the charges mentioned above, don’t forget that as soon as you make a cash withdrawal, you could be charged interest on it until you pay off your balance.

To put these fees into perspective, using the wrong sort of credit card abroad could go like this... 

You take out £100 at a cash machine. You could be charged £3 extra for foreign usage, a £3 cash withdrawal fee, and £2 interest before you pay off the bill. That’s £8 just for taking out a bit of cash.

Multiply this a few times across a week-long trip and it’s easy to see how foreign transaction costs add up. If you use the right card, however, that money could pay for an extra meal or family activity.

“I plan to pay off the balance as soon as I get home”

You return home with a lovely tan, a few quirky souvenirs, and some spending on your credit card. Do you think you’ll have enough spare money to pay off the balance in full now that you’re back? If you can’t pay it all off right away, focus on clearing it as soon as possible and within the interest-free period, if you have one.

As with all credit cards, it pays to be aware of how much borrowing using a travel credit card will cost you in total. If your repayments are too small, the interest will quickly wipe out any savings you made while abroad. One way to make sure you don’t miss a payment while you’re away is to set-up Direct Debits or standing orders to automatically pay bills. When it’s affordable, this can be a good idea whether you’re at home or on holiday.

“I want to keep my money safe when I travel”

Any transaction you make with a credit card, including a travel card, between £100 and £30,000 could be protected by  Section 75 . The protection is there whether you’re abroad or in the UK - conditions apply.

That means you can claim money back from your credit provider if your travel company or supplier goes under. This could be especially useful if you plan to make big purchases on your credit card, such as flights or hotel rooms, as you might not have the same protection if you pay by debit or cash.

It’s a good idea to let your bank know about your travel plans before you set off and give them your contact details, otherwise they might suspect overseas purchases are unauthorised and freeze your card. That’s not what you want when you’re moments away from hiring a banana boat or paying for a bungee jump.

If you’d prefer to not pay on credit, you could opt for a prepaid card. You can only spend as much as you load onto it and it can be preloaded with multiple currencies if you’re visiting several countries in one trip. When you withdraw money, watch out for top-up or ATM fees.

What's next?

If you’re thinking about your next holiday and how to keep costs down when you’re there, read our guide on how to travel cheaply .

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• Jetblue Plus Barclaycard

5+ Valuable Benefits of the Barclays JetBlue Plus Card

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Earn More TrueBlue Points

Earn mosaic elite status, points refund on each award ticket, save 50% on inflight purchases, world elite mastercard protections, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

JetBlue consistently receives the highest customer satisfaction scores among low-cost carriers in the United States. While they no longer provide free checked bags to all passengers, JetBlue offers a number of inflight perks that keep passengers happy.

From free internet on many flights to unlimited snacks to free satellite television, JetBlue is a solid way to fly around the U.S. (and to a number of other countries).

With the Barclays JetBlue Plus Card, you can make these flights even more enjoyable thanks to a number of perks, and even earn TrueBlue points for award flights.

As a World Elite MasterCard credit card, you can also count on it coming with a number of consumer protections.

Let’s dive in!

JetBlue TrueBlue Benefits

JetBlue flights serve a number of destinations across the United States as well as the Caribbean, Mexico, Central America, and even northern South America.

With the JetBlue Plus Card , you can earn TrueBlue points on all of your purchases, which can help you book your next award flight and take an amazing vacation.

With this card, you can earn 6X points per dollar spent on all JetBlue purchases, so all your cash tickets can give you a big boost toward your next award flight.

Unlike many co-branded airline credit cards, the JetBlue Plus Card comes with a couple of popular bonus categories that make earning TrueBlue points even easier. You can earn 2X points per dollar spent at restaurants and grocery stores.

All other purchases with the card will earn 1X point per dollar spent.

Additionally, you will receive a bonus of 5,000 TrueBlue points after your account anniversary each year you keep the card.

If you have Mosaic elite status with JetBlue, you can earn even more TrueBlue points on your cash tickets with JetBlue. In addition to the 6X points per dollar you’ll earn with the JetBlue Plus Card, JetBlue members earn 3X per $1 on JetBlue base fare (Blue) flights and a further 3X if they book it through the JetBlue website. Finally, you can earn an additional 3X points per $1 for having Mosaic status. With this combo, you could earn up to 15X points per dollar spent on JetBlue tickets!

Don’t forget that the JetBlue Plus Card often comes with a hefty sign-up bonus to get you started. Just meet the minimum spending requirement within the stated timeframe and you’ll be on your way to some amazing award flights.

Hot Tip:  Need some inspiration for ways to use your points? Check out the best ways to redeem TrueBlue points for award travel.

Now, you might be wondering how you’ll earn JetBlue Mosaic status if you don’t fly regularly for work. Well, the JetBlue Plus Card can take your annual credit card spending and turn it into elite status for you.

If you have the JetBlue Plus Card, you will earn 1 tile for every $1,000 you spend. Once you earn 10 tiles, you’ll start earning perks and once you hit 50 tiles, you’ll be rewarded with Mosaic status.

Mosaic elite status comes with a number of benefits and perks that can make flying with JetBlue even better.

Perhaps the most basic but important perk provided by Mosaic status is the ability to change flights without fees. This benefit even extends to other people booked under your reservation.

While holding the JetBlue Plus Card already provides a complimentary checked bag to you and your traveling companions on your itinerary, Mosaic status allows you to check a second bag at no cost.

Mosaic members also receive access to priority boarding , and you’ll even receive complimentary alcoholic drinks once onboard.

The Barclays AAdvantage ® Aviator™ Red World Elite Mastercard ® and the Citi ® / AAdvantage ® Platinum Select ® World Elite™ Mastercard ® each provide cardholders with a 10% rebate of the American miles they use (up to 10,000 per calendar year) to book award flights.

Similarly, the JetBlue Plus Card provides a 10% rebate on all TrueBlue points redeemed for award flights.

This perk is a great way to extend your miles further so you can book even more award flights and save big money on your vacations.

If you’ve ever looked at an inflight menu while traveling in economy on a domestic flight, you’ve probably noticed how expensive the meal and beverage options can be.

With the JetBlue Plus Card, you can save 50% on these inflight purchases so you can enjoy a meal and a beer, cocktail, or glass of wine without breaking the bank.

Additionally, you will also receive the 50% savings when you purchase a movie to watch.

As a World Elite Mastercard , the JetBlue Plus Card comes with several benefits beyond the ability to earn free flights and improve the JetBlue experience:

• Lyft — Get a $10 Lyft credit (once per month) when you take at least 5 rides in a month
• Shoprunner — Receive a free ShopRunner membership offering free 2-day shipping and free return shipping at specific online retailers
• Fandango — With every 2 movie tickets purchased, get $5 off future movie tickets or at-home purchases (through double points on Fandango VIP)
• World Elite Concierge — Enjoy 24/7 concierge service that acts as a personal assistant to secure reservations or help with shopping
• Golf Concierge Services — In partnership with the PGA TOUR, enjoy exclusive golf offers and experiences
• Mastercard ID Theft Protection — Monitor your credit file for changes, get alerts with suspicious activity, and receive ID theft resolution
• Cell Phone Protection‎ — Your card comes with $1,000 in yearly coverage (up to $800 per claim, 2 claims per year) should your cell phone get stolen or need certain repairs
• Mastercard Zero Liability Protection‎ — You’re not responsible if someone makes unauthorized purchases with your card
• Global Emergency Services‎ — Get emergency assistance anytime in any language

JetBlue is a popular airline that is only gaining steam. With the JetBlue Plus Card, you can earn tons of TrueBlue points to help you book award flights. You can even spend your way to Mosaic elite status and make every trip more enjoyable.

If you’re looking for an easy way to earn JetBlue points, this just might be the best card to do so. If not, there are plenty of other options out there for JetBlue flyers . Once you have a nice stash of TrueBlue points, you’ll only have to figure out where you want to go next!

The information regarding The JetBlue Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi ® / AAdvantage ® Platinum Select ® World Elite™ Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The JetBlue Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The JetBlue Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Frequently Asked Questions

What is jetblue mosaic elite status.

JetBlue only has one level of elite status: Mosaic. It comes with a number of perks from priority boarding to free alcoholic drinks to bonus TrueBlue points.

What other co-branded JetBlue cards earn TrueBlue points?

Barclays provides 3 co-branded JetBlue cards: the JetBlue Plus Card, the JetBlue Card, and the JetBlue Business Card.

Each card earns 6X points per dollar spent on JetBlue purchases, 2X points per dollar spent at gas stations and restaurants, and 1X points per dollar spent on all other purchases.

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About Spencer Howard

Always a fan of flying, it was only natural that Spencer was drawn to finding a way to improve the travel experience.

Like many, he started this journey searching for cheap flights to take him around the world. This was fun for a while, but Spencer was intrigued by the idea of flying in business and first class!

Throwing himself into what became an extensive research project, Spencer spent 3-4 hours per night learning everything he could about frequent flyer miles over the course of several months (he thinks this is normal). He runs Straight to the Points, an award-seat alert platform.

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UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

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The Barclaycard Arrival Plus Benefits and Perks Are Becoming Increasingly Rare on Other Credit Cards — Here’s What We Like

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money .

The Barclaycard Arrival Plus® World Elite Mastercard® is simple but powerful card that comes with a bunch of great benefits some card issuers don’t offer.

This card earns Arrival Miles, which are non-transferable rewards that you can use to offset travel purchases made with your card.

You can earn welcome bonus of 70,000 Arrival Miles worth $700 in travel after spending $5,000 on purchases in the first 90 days of opening your account. Plus, the first year’s annual fee of $89 is waived!

It’s easy to see why this card is a no-brainer for the first year, but is the card worth KEEPING after you’ve spent the bonus? Here’s a look at the Barclaycard Arrival Plus benefits and perks , so you can decide for yourself.

Barclaycard Arrival Plus Benefits and Perks

Apply Here: Barclaycard Arrival Plus® World Elite Mastercard®

Read our review of the Barclaycard Arrival Plus

With the Barclaycard Arrival Plus , you’ll earn a welcome bonus of 70,000 Arrival miles (worth $700 in travel statement credits) after spending $5,000 on purchases in the first 90 days of opening your account.

Meeting the spending requirement of $5,000 will earn you an additional 1 0,000 Arrival miles (two Arrival miles per $1), so you’d earn a grand total of 80,000 Arrival miles . That’s worth $800 in travel!

You’ll earn 2x Arrival miles on ALL purchases and can redeem Arrival miles for eligible travel purchases of $100+ made in the past 120 days .

According to Barclays, eligible travel purchases include:

Airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, purchase and travel agencies, discount travel sites, trains, buses, taxis, limousines, ferries, and the account annual fee as defined by the merchant category code.

Your Barclaycard Arrival Plus includes World Elite MasterCard benefits. We’ll highlight some of the top perks, but feel free to check out the full suite of benefits here. 🙂

Extended Warranty Protection

The Barclaycard Arrival Plus  has extended warranty protection that will double the US manufacturer’s warranty, up to two years. Here are some restrictions you should know about:

• Qualifying manufacturer’s warranties must be two years or less
• You have to purchase the item entirely with your Barclaycard Arrival Plus
• Limited to no more than the original price of your item (as shown on your receipt), minus shipping and handling and up to $10,000 per item

You can’t buy stuff like motorized vehicles, computer software or medical equipment. Check out the full benefits guide to see the other exclusions.

Price Protection

A rare perk to find on credit cards these days is price protection, but the Barclaycard Arrival Plus still has it!

You could receive up to $250 per claim at a maximum of four claims per 12-month period. Just make sure you pay for your item in full with your Barclaycard Arrival Plus card and that you submit eligible claims within 120 days of purchase.

Purchase Assurance

Worried about your items being stolen or damaged? Your Barclaycard Arrival Plus covers damaged or stolen goods purchased entirely with your card.

You could claim up to $1,000 per item and up to $50,000 per card holder account every 12 months. Just note, this is secondary to any home, renter’s or personal insurance that may cover the same item.

Satisfaction Guarantee

Another protection seldom found is a satisfaction guarantee. If a retailer will not accept a return because you waited too long to return or you opened the item, you may be able submit with your Barclaycard Arrival Plus .

You can claim up to $500 per claim and up to two claims per 12 months. You must ship your item to Mastercard and it must be in original packaging and in good condition. And your purchase must have been made in full with your Barclaycard Arrival Plus card.

Home Sharing With onefinestay

Want access to 10,000+ high-end rentals in cities worldwide including New York, Los Angeles, Boston, and San Francisco? You got it!

Amenities include local guest services available 24/7, high-quality toiletries, free Wi-Fi and a complimentary iPhone to use during your stay.

If you can’t find anything online, you’ll need to submit an inquiry on their website. I actually tested out onefinestay’s service by contacting a representative. Service was prompt. Just be ready to reply with a nightly budget, the number of guests and age of children, desired locations, etc.

24/7 Concierge and Mastercard Airport Concierge

Because the Barclaycard Arrival Plus is a World Elite Mastercard, you’ll get complimentary 24/7 concierge service that acts like a personal assistant. If you need to locate a gift or reserve a table for your anniversary, give the concierge a call!

You can also arrange for a personal and dedicated agent to escort you through the airport for any flight (additional charges apply). They operate 24/7/365 at over 700 locations worldwide.

To contact the concierge, call the number on the back of your card.

Trip Cancellation Insurance

We love to see these types of benefits, especially because we encourage our readers to travel!

Trip cancellation insurance protects Barclaycard Arrival Plus credit card holders against forfeited, non-refundable, unused payments and deposits if a trip is canceled for covered reasons. Coverage is available up to $5,000 per trip and up to $10,000 per 12-month period.

Baggage Delay Insurance

You could get up to $100 per day for up to three days if your baggage is delayed for more than 12 hours by the an airline or carrier service.

Only emergency essential items purchased can be reimbursed, so don’t go buying unnecessary things just to get $100 back. Any fare wholly charged to your Barclaycard Arrival Plus is eligible for this insurance.

Trip Delay Insurance

If your trip is delayed for more than six hours, you may receive up to $300 per claim. You can make two claims per 12-month period.

Only eligible travel expenses incurred from delays more than six hours because of inclement weather, equipment failure or lost travel documents will trigger this benefit.

Mastercard Luxury Hotel & Resorts Portfolio

Enjoy complimentary room upgrades , early check-in and late checkout upon availability, daily breakfast for two and other amenities at more than 2,000 hotels around the globe when booking a stay with a Mastercard Luxury Hotel & Resort .

And if you find the same exact prepaid hotel stay for less, Mastercard will refund the difference . The caveat here is that you have to submit your claim at least 72 hours before your reservation starts.

Some places, like The Langham Sydney , offer $100 hotel credit when you book using through Mastercard’s portal. Remember, you can redeem your Arrival Miles for these types of purchases.

Free Shipping With ShopRunner

So long as you keep your card open, you’ll get a ShopRunner membership. ShopRunner is like Amazon Prime but for over 100 retail stores! You get free two-day shipping and free returns with your online orders through participating retailers. An annual membership for ShopRunner normally costs $79.

No Foreign Transaction Fees

Some non-travel credit cards charge a 3% fee for any purchases made outside the US. That can even include reserving foreign hotels on the internet from within the US!  The Barclaycard Arrival Plus doesn’t charge these ridiculous fees, so it’s a good card to use internationally.

Bottom Line

The Barclaycard Arrival Plus offers benefits that some card issuers don’t provide. Perks like price protection and satisfaction guarantee are becoming increasingly rare.

If you plan on making use of the great benefits, the Barclaycard Arrival Plus could easily be worth keeping after the first year!

What’s your favorite benefit and how have you used it? Let us know! And  subscribe to our newsletter   for more travel tips like this.

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