Travel credit cards offer a wealth of benefits beyond simple rewards points. From luxury lounge access to comprehensive travel insurance, the right card can dramatically improve your travel experience and save you money. Here’s a breakdown of valuable perks you can access and how to choose the best card for your needs.
Airport Lounge Access: Elevate Your Travel Experience
Premium travel cards often include complimentary airport lounge access, offering a quiet space to relax, work, or refuel before your flight. The Capital One Venture X Rewards Credit Card provides access to Capital One Lounges and offers a 10,000-mile annual bonus. Alternatively, the Chase Sapphire Reserve® grants access to an extensive network through Priority Pass Select and Chase’s own lounges. Both cards also offer substantial welcome bonuses—up to $2,563 in value based on current valuations.
Expedited Travel: TSA PreCheck and Global Entry Credits
Skip long security lines with TSA PreCheck or Global Entry, programs that expedite airport screening. Several cards offer statement credits to cover the application fees. The Capital One Venture Rewards Credit Card provides up to $120 for Global Entry or TSA PreCheck. The Bank of America® Premium Rewards® credit card offers a $100 statement credit every four years. For even faster processing, cards like the American Express® Green Card reimburse annual Clear Plus membership fees (up to $209 with enrollment).
Financial Security: Rental Car Insurance and Purchase Protection
Avoid expensive rental car add-ons by using a card with primary rental car insurance. The Chase Sapphire Reserve and Chase Sapphire Preferred® Card both offer this coverage on most rentals. Top-tier cards like these also include purchase protection, covering lost, stolen, or damaged items. Knowing you’re financially protected during travel reduces stress and potential expenses.
Global Convenience: No Foreign Transaction Fees
International travelers benefit from cards without foreign transaction fees. The Sapphire Preferred and Venture Rewards cards allow purchases worldwide without extra charges. The Ink Business Preferred® Credit Card is ideal for business expenses abroad, offering bonus points on travel and advertising.
Travel Protection: Insurance and Elite Status
Unexpected events happen. Cards like the Sapphire Reserve include travel insurance, covering lost luggage or trip delays. Premium airline cards, such as the United Club℠ Card, provide additional coverage for frequent flyers. Many hotel cards offer elite status, such as the Marriott Bonvoy Boundless® Credit Card, which grants Silver Elite status with valuable benefits.
Additional Perks: Free Checked Bags and Cellphone Protection
Airline credit cards often waive baggage fees. The Delta SkyMiles® Gold American Express Card and United℠ Explorer Card both offer free checked bags. Some cards even protect your devices: the Chase Freedom Flex® and Wells Fargo Active Cash® Card offer cellphone protection against damage or theft when you pay your bill with the card.
Bottom line: While some perks seem minor, travel credit card benefits accumulate significant value over time. From financial security to convenience, these cards are essential for frequent travelers. Choosing the right card depends on your spending habits and travel preferences.
