Best Credit Cards With Baggage Loss & Delay Coverage

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When a 10-minute wait turns into 40 minutes, you might start to lose your cool at baggage claim.

Starting your long-awaited vacation with a delayed or lost bag can put a downer on your holiday.

But if you’re equipped with a card that can reimburse you for the cost of your lost or delayed bag, at least you can enjoy some financial peace of mind.

Many travel rewards credit cards offer both baggage delay and baggage loss insurance plans. As long as you charge at least a portion of your common carrier fare to your eligible card, you and your immediate family members will receive coverage.

Let’s take a look at the best credit cards for baggage protection and what’s included in their policies.

Top Credit Cards With Baggage Protection

Chase is the top card issuer when it comes to cards offering an all-around baggage protection plan. Chase’s delayed luggage insurance is the best on the market.

The American Express® Gold Card, American Express Platinum Card^® and the Capital One Venture X Rewards Credit Card all offer lost baggage insurance protection. However, none of these cards include baggage delay protection. Likewise, while the Aeroplan® Credit Card from Chase includes baggage delay protection, it excludes lost baggage coverage.

For this reason, we’ve narrowed our selection down to cards that offer a comprehensive baggage protection plan, including both lost and delayed baggage protection.

Here’s an overview of the best personal credit cards offering both baggage loss and baggage delay insurance.

And if you’re a business owner, here’s an overview of the best business credit cards for baggage loss and baggage delay insurance.

Keep in mind that while baggage loss and delay insurance can cover you in a range of situations, you might want to consider a separate travel insurance plan for comprehensive coverage abroad.

Chase Sapphire Cards

It’s no surprise that Chase’s premium travel rewards cards offer some of the best lost and delayed baggage insurance available. Both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® offer comprehensive baggage protection benefits.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® offers up to $100 per day in reimbursement for a maximum of five days when your baggage is delayed for six hours or more.

It also offers solid baggage loss insurance coverage, reimbursing you up to $3,000 per person per covered trip with a sub-limit of up to $500 for jewelry and watches and a separate sub-limit of up to $500 for cameras and other electronics.

All of your immediate family members are covered, and you don’t even need to travel with them for them to receive coverage—simply pay for the cost of their ticket using your card, and they’ll be covered.

When filing a claim for either a lost or delayed bag, you’ll need to contact your benefits administrator within 20 days and submit proof of loss or delay within a maximum of 90 days.

Here’s a summary of the card’s lost and delayed baggage insurance policy:

Here’s a summary of the benefits the Chase Sapphire Reserve has on offer:

Pros

• $300 annual statement credit for travel purchases
• 10X points on eligible Peloton equipment and accessory purchases over $150 (through Dec. 31, 2027)
• 8X points on all purchases through Chase Travel℠, including The Edit℠
• 5X points on Lyft rides (through Sept. 30, 2027)
• 4X points on flights and hotels booked directly.
• 3X points on dining worldwide, including eligible takeout and delivery.
• 1X points on all other purchases.
• Statement credit for Global Entry, TSA PreCheck® or Nexus application fee, every four years
• Complimentary Priority Pass Select™ membership
• Complimentary IHG® One Rewards Platinum Elite Status (through Dec. 31, 2027)
• $500 annual credit for stays with The Edit℠, issued in biannual $250 credits (two-night minimum stay required). Plus, receive a $100 property credit.
• $300 annual dining credit issued in biannual $150 credits, toward purchases with restaurants affiliated with Sapphire Reserve Exclusive Tables.
• $250 annual credit for AppleTV+ and Apple Music subscription (through June 22, 2027).
• Complimentary $120 DashPass membership (through Dec. 31, 2027).
• $300 in annual DoorDash promos, issued in $25 monthly credits ($5 monthly promo to spend on restaurant orders and two $10 promos to spend on groceries, retail orders and more) (through Dec. 31, 2027).
• $300 annual credit toward StubHub and viagogo purchases, issued in $150 biannual credits.
• $120 annual credit toward Lyft purchases, issued in $10 monthly credits (through Sept. 30, 2027).
• $120 annual credit toward Peloton memberships, issued in $10 monthly credits (through Dec. 31, 2027).
• Access to Reserve Travel Designer.
• Redeem points for up to 2 cents apiece for select hotels and flights with select airlines through Chase Travel℠. For cards applied for before June 23: redeem points for 1.5 cents apiece on all other Chase Travel purchases (on points earned before Oct. 26, 2025, and redeemed until Oct. 26, 2027, 1 cent apiece thereafter). For cards applied for on or after June 23: redeem points for 1 cent apiece on all other Chase Travel purchases.
• Rental car insurance
• Emergency medical and dental benefits
• Emergency evacuation and transportation insurance
• Trip cancellation and interruption insurance
• Trip delay insurance
• Baggage delay insurance
• Lost baggage insurance
• Travel accident insurance
• No foreign transaction fees

Cons

• High annual fee

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card offers the identical lost and delayed baggage insurance plan as its sibling card, the Chase Sapphire Reserve. However, it does so for less than a fifth of the Sapphire Reserve’s annual fee.

So if you’d prefer paying just $95 per year instead of $550 and aren’t interested in the premium travel benefits offered by the Sapphire Reserve, opting for the Sapphire Preferred will give your baggage just as much protection.

Pros

• Up to $50 in statement credits for hotel stays purchased through Chase Travel℠, every account anniversary year
• 5X total points on travel purchases, when purchased through Chase Travel℠ (points will not be earned on hotel purchases that qualify for the $50 annual hotel credit)
• 3X points on eligible delivery service purchases, takeout and dining out
• 3X points on online grocery purchases (excludes Walmart, Target and wholesale clubs)
• 3X points on select streaming service purchases
• 2X points on eligible travel purchases
• 1X points on all other purchases
• Annual account anniversary point bonus equivalent to 10% of your total yearly expenditure
• Redeem points for up to 1.5 cents apiece for select hotels and up to 1.75 cents apiece on flights with select airlines through Chase Travel℠. For cards applied for before June 23: redeem points for 1.25 cents apiece on all other Chase Travel purchases (on points earned before Oct. 26, 2025, and redeemed until Oct. 26, 2027, 1 cent apiece thereafter). For cards applied for on or after June 23: redeem points for 1 cent apiece on all other Chase Travel purchases.
• Rental car insurance
• Trip cancellation and interruption insurance
• Trip delay insurance
• Baggage delay insurance
• Lost baggage insurance
• Travel accident insurance
• No foreign transaction fees

Cons

No lounge access or Global Entry perks

Chase Business Cards

Chase has numerous small business cards, but only two offer comprehensive baggage insurance protection (excluding its co-branded business cards): the Ink Business Preferred® Credit Card and the Sapphire Reserve for Business℠.

Ink Business Preferred® Credit Card

If you’re a small business owner, the Ink Business Preferred® Credit Card is a solid travel rewards card to hold.

For an annual fee of just $95, the Ink Business Preferred offers the same lost and delayed baggage insurance protection as the Chase Sapphire products. That reimburses you for up to $100 per day for a maximum of five days for delays of six hours or more. Likewise, you’ll receive up to $3,000 in reimbursement for lost luggage, with $500 sub-limits for jewelry and watches as well as for cameras and electronics.

The standard policy exclusions of all Chase cards apply, and the claim period of 20 days remains the same.

Pros

• 3X points on the first $150,000 spent in a calendar year (1X points thereafter) in the following categories: shipping purchases, advertising purchases made with social media sites and search engines, travel and internet, cable and phone services.
• Redeem points for up to 1.5 cents apiece for select hotels and up to 1.75 cents apiece on flights with select airlines through Chase Travel℠. For cards applied for before June 23: redeem points for 1.25 cents apiece on all other Chase Travel purchases (on points earned before Oct. 26, 2025, and redeemed until Oct. 26, 2027, 1 cent apiece thereafter). For cards applied for on or after June 23: redeem points for 1 cent apiece on all other Chase Travel purchases.
• No foreign transaction fees

Cons

• No business statement credit perks

Sapphire Reserve for Business℠

Sapphire Reserve for Business boasts luxury travel rewards and perks for small business owners.

It offers the identical baggage insurance plan as other Sapphire Cards.

Pros

• 8X points on all purchases through Chase Travel℠, including The Edit℠
• 5X points on Lyft rides (through Sept. 30, 2027)
• 4X points on flights and hotels booked directly.
• 3X points on social media and search engine advertising.
• 1X points on all other purchases.
• Statement credit for Global Entry, TSA PreCheck® or Nexus application fee, every four years
• Complimentary Priority Pass Select™ membership
• Complimentary IHG® One Rewards Platinum Elite Status (through Dec. 31, 2027)
• Exclusive car rental benefits with Avis, National and Hertz.
• Redeem points for up to 2 cents apiece for select hotels and flights with select airlines through Chase Travel℠. For cards applied for before June 23: redeem points for 1.5 cents apiece on all other Chase Travel purchases (on points earned before Oct. 26, 2025, and redeemed until Oct. 26, 2027, 1 cent apiece thereafter). For cards applied for on or after June 23: redeem points for 1 cent apiece on all other Chase Travel purchases.
• $500 annual credit for stays with The Edit℠, issued in biannual $250 credits (two-night minimum stay required). Plus, receive a $100 property credit.
• Complimentary $120 DashPass membership (through Dec. 31, 2027).
• $300 in annual DoorDash promos, issued in $25 monthly credits ($5 monthly promo to spend on restaurant orders and two $10 promos to spend on groceries, retail orders and more) (through Dec. 31, 2027).
• $120 annual credit toward Lyft purchases, issued in $10 monthly credits (through Sept. 30, 2027).
• $200 Google Workspace credit
• $400 ZipRecruiter credit issued in $200 biannual credits
• $100 curated gift card credit, issued in $50 biannual credits, for gift cards purchased on giftcards.com/reservebusiness.
• Charge $120,000 to your card within a calendar year to unlock a range of benefits, including $500 in statement credit for The Shops at Chase, IHG® One Rewards Diamond Elite Status, Southwest® Rapid Rewards A-List Status, and up to $500 in statement credits for Southwest Airlines flights booked through Chase Travel.
• Rental car insurance
• Emergency medical and dental benefits
• Emergency evacuation and transportation insurance
• Trip cancellation and interruption insurance
• Trip delay insurance
• Baggage delay insurance
• Lost baggage insurance
• Travel accident insurance
• No foreign transaction fees

Cons

• High annual fee

Marriott Bonvoy Cards

Chase offers comprehensive baggage protection on all three of its Marriott Bonvoy credit cards.

Marriott Bonvoy Bold® Credit Card

The Marriott Bonvoy Bold Credit Card offers a selection of perks, including complimentary Silver Elite status, for a $0 annual fee.

It also includes comprehensive baggage protection of up to $100 per day for a maximum of five days when baggage delays exceed six hours and up to $3,000 reimbursement for lost baggage.

Pros

• 3X total points at hotels participating in Marriott Bonvoy
• 2X points on grocery store purchases
• 2X points on ride-hailing services and select food delivery service purchases
• 2X points on select streaming, internet, cable and phone service purchases
• 1X points on all other purchases
• Complimentary Silver Elite status
• Five elite nights credits issued to your account every calendar year
• Complimentary DashPass membership plus $10 quarterly promos discounts on non-restaurant DoorDash orders (through Dec. 31, 2027)
• Lost luggage reimbursement
• Trip delay reimbursement
• No foreign transaction fees

Cons

• No free night reward

Marriott Bonvoy Boundless® Credit Card

For a $95 annual fee, the Marriott Bonvoy Boundless Credit Card offers Marriott loyalists solid perks and a fast track to Gold Elite status.

It also offers the same comprehensive baggage protection plan as its sibling Marriott cards do.

Pros

• 6X total points at hotels participating in Marriott Bonvoy
• 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations and dining
• 2X points on all other purchases
• Annual free night reward, valid for a one-night stay with a redemption value of up to 35,000 points
• One Elite Night Credit toward Elite Status for every $5,000 spent
• 15 Elite Night Credits each calendar year
• Complimentary Silver Elite Status
• Upgrade to Gold Elite Status after spending $35,000 within a calendar year
• Complimentary DashPass membership and $10 quarterly promo discounts on non-restaurant DoorDash orders (through Dec. 31, 2027)
• Baggage delay insurance
• Lost luggage reimbursement
• Trip delay reimbursement
• No foreign transaction fees

Cons

• 3X points multiplier is capped at $6,000 in combined purchases per calendar year.

Marriott Bonvoy Bountiful® Credit Card

For hardcore Marriott loyalists, the Marriott Bonvoy Bountiful Credit Card offers top-tier benefits, including complimentary Gold Elite status.

It also includes the comprehensive baggage protection plan offered by other co-branded Chase Marriott cards, all for an annual fee of $250.

Pros

• 6X points at hotels participating in Marriott Bonvoy
• 4X points on the first $15,000 in combined purchases each year on grocery stores and dining
• 2X points on all other purchases
• Complimentary Gold Elite Status
• 1,000 bonus points per eligible stay at Marriott hotels
• 15 Elite Night Credits issued to your account annually
• If you spend $15,000 in a calendar year, you’ll receive a free night reward for Marriott properties up to the 50,000 point level.
• Baggage Delay Insurance
• Lost Luggage Reimbursement
• Trip Delay Reimbursement
• No foreign transaction fees

Cons

• Free night reward requires $15,000 in spending per calendar year.

World of Hyatt Cards

Chase offers two co-branded World of Hyatt credit cards—one personal and one business—but includes comprehensive baggage protection on the personal card only.

The World of Hyatt Credit Card

The World of Hyatt Credit Card is one of the most lucrative hotel cards on the market.

On top of its annual free night award and competitive bonus spending categories, it offers solid lost and delayed baggage insurance protection—all of this, for an annual fee of just $95.

The World of Hyatt Credit Card offers the same lost and delayed baggage insurance policies as the Marriott and Sapphire products. That entitles you to $100 per day in reimbursement for a maximum of five days for delays exceeding six hours, as well as up to $3,000 in lost baggage reimbursement.

Pros

• 4X points on purchases at Hyatt hotels
• 2X points at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships
• One free night award stay at any Category 1 to 4 Hyatt resort or hotel every calendar year. An additional free night award can be earned by charging $15,000 to your card within a calendar year.
• Complimentary Hyatt Discoverist status
• Earn five qualifying night credits per year. Receive two additional qualifying night credits for every $5,000 spent using your card.
• No foreign transaction fees

Cons

• Discoverist status is Hyatt’s lowest status tier

Southwest Personal Cards

All of Chase’s three co-branded personal Southwest credit cards include comprehensive baggage protection.

Southwest Rapid Rewards® Plus Credit Card

The Southwest Rapid Rewards Plus Credit Card offers above average points multipliers and a handful of perks for Southwest flyers, for $69 per year.

You can receive up to $100 per day for a maximum of three days when your baggage is delayed for six hours or longer. You’ll also enjoy the same premium lost baggage insurance protection, covering you for up to $3,000 per person, per trip.

Pros

• 2X points on Southwest purchases
• 2X points on Rapid Rewards hotel and car rental partners
• 2X points on local transit and commuting, including rideshare
• 2X points on internet, cable and phone services, as well as select streaming service purchases
• 1X points on all other purchases
• 3,000 bonus points boost each card anniversary year
• Two EarlyBird Check-Ins® each year
• 25% back on in-flight purchases of beverages and Wi-Fi, given as a statement credit
• 10,000 Companion Pass qualifying points boost each year
• Complimentary one-year DashPass membership, giving you $0 delivery fees and lower service charges. Thereafter, you’re automatically enrolled in DashPass at the current monthly rate (through Dec. 31, 2027). Plus, you’ll get $10 off quarterly on non-restaurant
• DoorDash orders.
• Baggage delay insurance reimbursement
• Lost luggage reimbursement

Cons

• Foreign transaction fee of 3%

Southwest Rapid Rewards® Premier Credit Card

For a balance between perks and fees, the Southwest Rapid Rewards Premier Credit Card is a solid choice for semi-frequent Southwest flyers.

It also offers the same baggage protection policy as the Plus card.

Pros

• 3X points on Southwest purchases
• 2X points on Rapid Rewards hotel and car rental partners
• 2X points on local transit and commuting, including rideshare
• 2X points on internet, cable, phone services and select streaming service purchases
• 1X points on all other purchases
• 6,000 bonus points boost each card anniversary year
• Two EarlyBird check-ins each year
• 1,500 TQPs for every $5,000 spent (with no earnings cap)
• 25% back on in-flight beverage and Wi-Fi purchases, given as a statement credit
• 10,000 Companion Pass qualifying points boost each year
• Complimentary one-year DashPass membership, giving you $0 delivery fees and lower service charges. Thereafter, you’re automatically enrolled in DashPass at the current monthly rate (through Dec. 31, 2027). Plus, you’ll get $10 off quarterly on non-restaurant
• DoorDash orders.
• Baggage delay insurance reimbursement
• Lost luggage reimbursement
• No foreign transaction fees

Cons

• No lounge access perks, as seen on other co-branded airline credit cards in the same annual fee class

Southwest Rapid Rewards® Priority Credit Card

The Southwest Rapid Rewards® Priority Credit Card is the perfect card for frequent Southwest flyers who also want to benefit from comprehensive baggage protection.

It offers the same baggage protection perks as all other Southwest cards, in addition to a range of benefits, for $149 per year.

Pros

• 3X points on Southwest purchases
• 2X points on Rapid Rewards hotel and car rental partners
• 2X points on local transit and commuting, including rideshare
• 2X points on internet, cable, phone services and select streaming service purchases
• 1X points on all other purchases
• 7,500 bonus points boost each card anniversary year
• $75 Southwest annual travel credit
• Four upgraded boardings per year (subject to availability)
• 1,500 TQPs for every $5,000 spent (with no earnings cap)
• 25% back on in-flight beverage and Wi-Fi purchases, given as a statement credit
• 10,000 Companion Pass qualifying points boost each year
• Complimentary one-year DashPass membership, giving you $0 delivery fees and lower service charges. Thereafter, you’re automatically enrolled in DashPass at the current monthly rate (through Dec. 31, 2027). Plus, you’ll get $10 off quarterly on non-restaurant
• DoorDash orders.
• No foreign transaction fees

Cons

• No lounge access perks

Southwest Business Cards

Business owners are in luck too, as all of Chase’s co-branded business Southwest credit cards include comprehensive baggage protection.

Southwest Rapid Rewards® Premier Business Credit Card

For $99 per year, the Southwest Rapid Rewards Premier Business Credit Card offers small business owners solid perks and earning rates.

It also offers comprehensive baggage protection perks, just like its sibling cards.

Pros

• 3X points on Southwest purchases
• 2X points on Rapid Rewards hotel and car rental partner purchases
• 2X points on local transit and commuting, including rideshare services
• 1X points on all other purchases
• 6,000 bonus points boost each card anniversary year
• Two EarlyBird check-ins each year
• 1,500 TQPs per $10,000 spent (with no earnings cap)
• 25% back on in-flight beverage and Wi-Fi purchases, given as a statement credit
• Up to $500 worth of fees reimbursed as a statement credit when transferring points to another Rapid Rewards member using your Premier Business card
• Complimentary one-year DashPass membership, giving you $0 delivery fees and lower service charges. Thereafter, you’re automatically enrolled in DashPass at the current monthly rate (through Dec. 31, 2027). Plus, you’ll get $10 off quarterly on non-restaurant
• Baggage delay insurance reimbursement
• Lost luggage reimbursement
• No foreign transaction fees

Cons

• No travel statement credits

Southwest Rapid Rewards® Performance Business Credit Card

At $199 per year, the Southwest Rapid Rewards Performance Business Credit Card offers premium perks for frequent Southwest flyers.

Additionally, it covers your baggage in the event of a delay or loss, with the same limits as all other Southwest cards.

Pros

• 4X points on Southwest purchases
• 3X points on Rapid Rewards hotel and car rental partner purchases
• 2X points on social media and search engine advertising, internet, cable and phone service purchases
• 2X points on local transit and commuting, including rideshare services
• 1X points on all other purchases
• 9,000 bonus points boost each card anniversary year
• Up to $100 statement credit for a Global Entry, TSA PreCheck or Nexus application fee, every four years, when you pay with your card through an eligible payment provider.
• Four upgraded boardings per year (subject to availability)
• Up to 365 in-flight Wi-Fi credits per year
• 1,500 TQPs per $10,000 spent (with no earnings cap)
• Up to $500 worth of fees reimbursed as a statement credit when transferring points to another Rapid Rewards member using your Premier Business card
• Baggage delay insurance reimbursement
• Lost luggage reimbursement
• No foreign transaction fees

Cons

• No lounge access perks, as seen on other co-branded airline credit cards in the same annual fee class
• No guaranteed companion pass perk

United Personal Cards

Chase’s co-branded United personal cards all offer comprehensive baggage protection, with the exception of the New United Gateway℠ Card.

United℠ Explorer Card

For those who want to balance fees with card perks, the New United Explorer Card is a solid choice at $150 per year, with the fee waived in the first year of card membership.

You’ll enjoy up to $100 per day for a maximum of three days when baggage delays exceed six hours and up to $3,000 reimbursement for lost luggage. The same exclusions and claim window applies to United cards as all other Chase cards.

Pros

• 2X miles on purchases with United, including in-flight food, beverages and Wi-Fi, tickets, Economy Plus and other eligible purchases
• 2X miles on prepaid hotel stays booked through United Hotels
• 2X miles on dining, including eligible delivery services
• 2X miles on hotel accommodations purchased directly with the hotel
• 1X miles on all other purchases
• Free first checked bag for the primary cardholder and one travel companion—savings of up to $160 per round trip
• Access to expanded award availability
• A statement credit for Global Entry, Nexus or TSA PreCheck application fee, every four years, when charged to your card through an eligible enrollment provider
• $100 in United TravelBank cash when you charge $10,000 to your card within a calendar year (valid for 12 months from the date of issuance)
• 10,000-mile award flight discount after you charge $20,000 to your card within a calendar year (valid for 12 months from the date of issuance)
• Up to $100 in annual statement credits toward hotel stays booked through United Hotels, issued in $50 increments per hotel stay
• Up to $60 in annual statement credits toward ride-hailing purchases, issued in $5 monthly increments when you use your Explorer Card to pay for a rideshare service.
• Up to $50 in annual statement credits toward eligible Budget or Avis rental purchases, issued in $25 statement credits per eligible rental purchase (a minimum rental period of two days is necessary to earn the statement credit)
• Up to $120 in annual Instacart credits, issued in $10 monthly increments, when you make at least a single purchase of $10 or more per month
• $100 annual statement credit for purchases with JetSuiteX (JSX)
• Priority boarding for you and all other travelers on your reservation on United-operated flights
• 25% discount, given as a statement credit, for in-flight purchases of food, beverages and Wi-Fi on board United-operated flights and on premium drinks at United Clubs
• No foreign transaction fees
• Two annual United Club one-time entry passes
• If the primary cardmember has MileagePlus Premier status and is traveling on an award ticket, they’re eligible for complimentary premier upgrades on select United- and United Express-operated flights, subject to availability (up to one companion that is traveling on the same reservation can also qualify for an upgrade).
• 1X PQP per $20 spent, up to a maximum of 1,000 PQPs toward Premier status qualification per calendar year
• Rental car insurance
• Trip cancellation and interruption insurance
• Trip delay reimbursement
• Lost luggage reimbursement
• Delayed baggage insurance

Cons

• Free first checked bag covers you and one eligible companion only. Other co-branded cards cover more companions.

United Quest℠ Card

United Quest Card is a solid choice for frequent United flyers who can maximize its perks and offset its $350 annual fee.

It also comes with the same comprehensive baggage insurance plan as offered by other United credit cards:

Pros

• 5X miles on prepaid hotel stays booked directly through Renowned Hotels and Resorts
• 3X miles on United purchases
• 2X miles on all other travel purchases
• 2X miles on dining, including eligible delivery services
• 2X miles on select streaming services
• 1X miles on all other purchases
• 10,000-mile award flight discount every card anniversary
• Additional 10,000-mile award flight discount after you charge $20,000 to your card within a calendar year (valid for 12 months from the date of issuance)
• Free first and second checked bags—savings of up to $360 per round trip
• Receive two global Economy Plus seat upgrades after charging $40,000 to your card within a calendar year
• Annual bonus of 1,000 PQPs
• 1X PQP per $20 spent, up to a maximum of 18,000 PQPs per year
• $200 annual statement credit for United purchases
• $150 annual statement credit for prepaid bookings with Renowned Hotels and Resorts
• Up to $100 in annual statement credits toward ride-hailing purchases, issued in $8 monthly increments when you pay for a ride-hailing service, with a bonus of $12 in December of each year
• Up to $80 in annual United TravelBank cash for purchases with Budget and Avis, issued in $40 increments per eligible rental car booking (minimum rental period of two days)
• Up to $180 in annual Instacart credits, issued in one $10 and one $5 monthly credit, when you make at least a single purchase of $10 or more per month
• $150 annual statement credit for purchases with JetSuiteX (JSX)
• Priority boarding for you and all companions on your reservation for United-operated flights
• 25% discount given as a statement credit for in-flight purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks
• A statement credit for a Global Entry, Nexus or TSA PreCheck application fee, every four years when you charge it to your card through an eligible enrollment provider
• If the primary cardmember has MileagePlus Premier status and is traveling on an award ticket, they’re eligible for complimentary premier upgrades on select United- and United Express-operated flights, subject to availability (up to one companion who is traveling on the same reservation can also qualify for an upgrade).
• Access to expanded award availability
• No foreign transaction fees
• Rental car insurance
• Trip cancellation and interruption insurance
• Baggage delay insurance reimbursement
• Lost luggage reimbursement
• Trip delay reimbursement

Cons

• No lounge access perks
• No companion certificates as offered by premium co-branded cards issued by other major airlines

United Club℠ Card

For frequent United flyers who want to benefit from complimentary United Club membership, you couldn’t do better than the New United Club Card.

It shares the same baggage insurance policy as its sibling cards and charges a $695 annual fee.

Pros

• 5X miles on prepaid hotel stays booked directly through Renowned Hotels and Resorts
• 4X miles on United purchases
• 2X miles on all other travel purchases
• 2X miles on dining, including eligible delivery services
• 1X miles on all other purchases
• Complimentary United Club membership with the ability to bring up to one guest and dependants younger than 18 with you
• Opportunity to earn a United Club All Access membership when you have United Premier Gold status or charge $50,000 to your card within a calendar year—giving you Star Alliance lounge access and allowing you to bring up to two adult guests into United Clubs or one adult guest plus any dependents younger than 18. If you earn a United Club All Access membership and add an authorized user, you’ll receive four one-time United Club passes (to use the passes, the authorized user must be traveling with you).
• Free first and second checked bags for you and up to one companion—savings of up to $360 per round trip
• 10,000-mile award flight discount after you charge $20,000 to your card within a calendar year (valid for 12 months from the date of issuance), with the opportunity to earn a second 10,000-mile discount after spending another $20,000 within the same calendar year
• $200 annual statement credit for hotel stays booked directly with Renowned Hotels and Resorts
• Up to $150 in annual statement credits toward ride-hailing purchases, issued in $12 monthly increments with a bonus of $18 in December of each year
• Up to $100 in annual United TravelBank cash for purchases with Budget and Avis, issued in $50 increments per eligible rental car booking (minimum rental period of two days)
• Up to $240 in annual Instacart credits, issued in two $10 monthly credits, when you make at least a single purchase of $10 or more per month
• $200 annual statement credit for purchases with JetSuiteX (JSX)
• Complimentary Instacart+ membership through Dec. 31, 2027, or for a minimum one-year term, whichever is longer (after that, you’ll automatically be billed at $99 per year or the then-current rate)
• 25% discount given as a statement credit for in-flight purchases of food, beverages and Wi-Fi on board United-operated flights and on premium drinks at United Clubs
• Annual bonus of 1,500 PQPs (bonus PQPs will be awarded within six to eight weeks after Feb. 1 of each year, starting in 2026)
• 1X PQP per $15 spent, up to a maximum of 28,000 PQPs per calendar year
• A statement credit for a Global Entry, Nexus or TSA PreCheck application fee every four years when charged to your card through an eligible enrollment provider
• If the primary cardmember has MileagePlus Premier status and is traveling on an award ticket, they’re eligible for complimentary premier upgrades on select United- and United Express-operated flights, subject to availability (up to one companion that is traveling on the same reservation can also qualify for an upgrade).
• No foreign transaction fees
• Premier Access® travel services, including preferential priority check-in, security screening, boarding and baggage handling privileges (subject to availability)
• Access to expanded award availability
• Complimentary Avis President’s Club® membership
• Complimentary IHG® One Rewards Platinum Elite status
• 10% discount for United economy Saver award flights on United or United Express within the United States and Canada
• Rental car insurance
• Trip cancellation and interruption insurance
• Baggage delay insurance reimbursement
• Trip delay reimbursement

Cons

• High annual fee
• No companion certificates as offered by premium co-branded cards with other airlines

United Business Cards

If you’re a business owner, Chase’s co-branded United business cards all offer comprehensive baggage protection as well.

United Club℠ Business Card

United Club Business Card offers small business owners exclusive United perks, including a complimentary United Club membership, for a $695 annual fee.

You’ll also be protected by Chase’s comprehensive baggage insurance policy.

Pros

• 5X miles on prepaid hotel stays booked directly through Renowned Hotels and Resorts
• 2X miles on United purchases
• 1.5X miles on all other purchases
• 5,000-mile annual boost if you hold the New United Club Business Card and a personal Chase United card
• Complimentary United Club membership
• Opportunity to earn a United Club All Access membership when you have United Premier Gold status or charge $50,000 to your card within a calendar year—giving you Star Alliance lounge access and allowing you to bring up to two adult guests into United Clubs or one adult guest plus any dependents younger than 18. If you earn a United Club All Access membership and add an employee card, you’ll receive four one-time United Club passes (to use the passes, the authorized user must be traveling with you).
• $200 annual statement credit for Renowned Hotels and Resorts
• Free first and second checked bags for you and up to one companion on the same reservation
• Up to $150 in annual statement credits toward ride-hailing purchases, issued in $12 monthly increments with a bonus of $18 in December of each year
• Up to $100 in annual United TravelBank cash for purchases with Budget and Avis, issued in $50 increments per eligible rental car booking (minimum rental period of two days)
• Up to $240 in annual Instacart credits, issued in two $10 monthly credits, when you make at least a single purchase of $10 or more per month
• $200 annual statement credit for purchases with JetSuiteX (JSX)
• Complimentary Instacart+ membership through Dec. 31, 2027, or for a minimum one-year term, whichever is longer (after that, you’ll automatically be billed at $99 per year or the given rate)
• Two complimentary global U.S. Economy Plus seat upgrades after you charge $40,000 to your card within a calendar year
• Premier Access travel services, including preferential priority check-in, security screening, boarding and baggage handling privileges (subject to availability)
• Employee cards for free
• 25% discount given as a statement credit for in-flight purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks
• Complimentary Avis President’s Club membership
• No foreign transaction fees
• If the primary cardmember has MileagePlus Premier status and is traveling on an award ticket, they’re eligible for complimentary premier upgrades on select United- and United Express-operated flights, subject to availability (up to one companion who is traveling on the same reservation can also qualify for an upgrade).
• 1X PQP per $15 spent, up to a maximum of 28,000 PQPs per calendar year
• Rental car insurance
• Trip cancellation and interruption insurance
• Baggage delay insurance reimbursement
• Lost luggage reimbursement
• Trip delay reimbursement

Cons

• High annual fee
• No companion certificates as offered by premium co-branded cards with other airlines
• No Global Entry, Nexus or TSA PreCheck statement credit as seen on the personal United cards

United℠ Business Card

United Business Card is a solid choice for small business owners wanting protection in addition to United frequent flyer perks.

For an annual fee of $150, which is waived in the first year of card membership, you’ll enjoy comprehensive perks and baggage protection.

Pros

• 2X miles on United purchases
• 2X miles on hotel stays prepaid directly through United Hotels
• 2X miles on dining, including eligible delivery services
• 2X miles at gas stations, office supply stores and on local transit and commuting purchases
• 1X miles on all other purchases
• First checked bag free for you and up to one companion on the same reservation—savings of up to $160 per round-trip flight
• $125 annual United travel credit when you make five United flight purchases each worth $100 or more within a calendar year
• Up to $25 in annual statement credits for FareLock purchases on United- and United Express-operated flights
• Up to $100 in annual statement credits toward hotel stays booked through United Hotels, issued in $50 increments per hotel stay
• Up to $100 in annual statement credits toward ride-hailing purchases, issued in $8 monthly increments with a bonus of $12 in December of each year
• Up to $50 in annual statement credits toward eligible Budget or Avis rental purchases, issued in $25 statement credits per eligible rental purchase (a minimum rental period of two days is necessary to earn the statement credit)
• Up to $120 in annual Instacart credits, issued in $10 monthly credits, when you make at least a single purchase of $10 or more per month
• $100 annual statement credit for purchases with JetSuiteX (JSX)
• 1X PQP per $20 spent, up to a maximum of 4,000 PQPs per calendar year
• Two annual United Club one-time entry passes
• 25% discount given as a statement credit for in-flight purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks
• Priority boarding for you and all companions on the same reservation
• 5,000-mile boost each year you hold the New United Business Card and a personal Chase United card
• Access to expanded award availability
• No foreign transaction fees
• Free employee cards
• Two complimentary continental U.S. Economy Plus seat upgrades after you charge $25,000 to your card within a calendar year
• Complimentary Instacart+ membership for three months, then 25% off through Dec. 31, 2027 (you’ll be automatically billed at the then current rate thereafter)
• Rental car insurance
• Trip cancellation and interruption insurance
• Baggage delay insurance reimbursement
• Lost luggage reimbursement
• Trip delay reimbursement

Cons

• Lounge access is limited to two visits per year.

Other Chase Co-Branded Airline Cards

Aside from Chase’s Aeroplan® Card—which offers baggage delay insurance only—all of Chase’s co-branded airline cards offer comprehensive baggage loss and delay coverage.

Iberia Visa Signature® Card

For frequent flyers with Iberia, the Iberia Visa Signature® Card offers solid baggage insurance protection.

You’ll receive the same protection as offered on other Chase co-branded airline cards (up to $100 per day for a maximum of three days when baggage delays exceed six hours and up to $3,000 reimbursement for lost baggage). The same exclusions and claim window applies to the Iberia Visa Signature Card as all other Chase cards.

Pros

• 3X Avios on Iberia, Level, British Airways and Aer Lingus purchases
• 2X Avios on hotel accommodation booked directly with the hotel
• $1,000 discount voucher toward two tickets on the same flight when you spend $30,000 within a calendar year
• 10% discount on Iberia flights booked using your card
• No foreign transaction fees

Cons

• No lounge access perks

British Airways Visa Signature® Card

If you find yourself frequently on British Airways flights, the British Airways Visa Signature® Card can offer you lucrative perks while protecting your baggage.

Pros

• 3X Avios on British Airways, Iberia, Aer Lingus and Level purchases
• 2X Avios on hotel accommodation purchased directly with the hotel
• 10% discount on British Airways flights booked directly through British Airways
• Annual Travel Together ticket after you charge $30,000 to your card within a calendar year
• Statement credit of up to $100 for Economy and Premium Economy, and $200 for Business and First Class, when you pay the taxes and fees on an award flight using your card (can be used a maximum of three times a year with a total value of $600)
• No foreign transaction fees

Cons

• A companion certificate requires a high annual expenditure.

Aer Lingus Visa Signature® Card

Alongside Chase’s other co-branded airline cards, the Aer Lingus Visa Signature® Card offers frequent flyers an easy way to protect their luggage against loss, theft, delays and damage.

Pros

• 3X Avios on British Airways, Iberia, Aer Lingus and Level purchases
• 2X Avios on hotel accommodations purchased directly with the hotel
• Annual companion certificate after spending $30,000 with your card in a calendar year
• Priority boarding for you and your authorized users on Aer Lingus flights departing from and returning to the United States from Ireland
• No foreign transaction fees

Cons

• A companion certificate requires a high annual expenditure.

IHG One Rewards Cards

Chase offers comprehensive baggage loss and delay coverage on its personal co-branded IHG credit cards, but not on the business version.

IHG One Rewards Traveler Credit Card

The IHG One Rewards Traveler Credit Card offers a handful of perks, including complimentary Silver elite status, to frequent IHG guests for a $0 annual fee.

It also offers baggage protection of up to $100 per day for a maximum of three days when baggage delays exceed six hours and up to $3,000 reimbursement for lost baggage.

Pros

• 5X points on IHG hotels and resorts
• 3X points on dining, utilities, select streaming services and at gas stations
• 2X points on all other purchases
• Complimentary IHG Silver elite status
• Upgrade to IHG Gold elite status when you charge $20,000 to your card within a calendar year
• 20% discount on point purchases when you use your IHG card
• Early access to reward night sales
• No foreign transaction fees
• Trip cancellation and interruption insurance
• Baggage delay insurance
• Lost baggage reimbursement

Cons

• IHG points have low value

IHG One Rewards Premier Credit Card

For IHG loyalists, the IHG One Rewards Premier Credit Card offers solid baggage insurance in addition to a range of other perks for a $99 annual fee.

Pros

• 10X points at IHG hotels and resorts
• 5X points on travel, dining and at gas stations
• 3X points on all other purchases
• Annual award night with a redemption cap of 40,000 points
• Additional night free when you redeem points for a consecutive three-night stay
• Complimentary Platinum Elite status
• $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year
• Statement credit toward Global Entry, TSA PreCheck® or Nexus application fee, every four years
• No foreign transaction fees

Cons

• IHG points have low value

What Is Baggage Loss Coverage?

Credit card lost luggage insurance reimburses you up to a specific dollar amount if your luggage is lost or damaged by, or stolen during transit with, a common carrier.

Airlines typically determine baggage as lost after five to 14 days of it being delayed.

Under regulation from the Department of Transportation (DOT), airlines are required to reimburse you for the actual cash value of the contents of your baggage. That means you’ll be reimbursed up to the original price of the items minus depreciation.

However, airlines’ liability for reimbursement is capped at $3,800 per passenger for domestic flights and $1,700 for international flights, under the Montreal Convention.

That’s where credit card baggage loss insurance can help. In certain cases, you can receive secondary coverage and reimbursement where the airline or common carrier leaves off.

What Is Baggage Delay Coverage?

Baggage delay compensation reimburses you for the purchase of essential items when your baggage is delayed by a common carrier. Delays must meet a minimum duration to qualify, and reimbursement is capped at a maximum dollar amount for a maximum number of days.

Reimbursement of up to $100 per day for a maximum of five days is the typical offering of premium credit card delayed luggage insurance policies. Delays usually need to be a minimum of six hours for premium credit cards and 12 hours for all other credit cards.

Essential items covered by delayed baggage insurance policies can include toiletries and clothing, among other items.

According to the DOT, airlines are required to reimburse “reasonable, verifiable, and actual incidental expenses” incurred by delays, up to their maximum liability amount.

However, having a credit card with secondary baggage delay insurance could help you get reimbursed in instances where the airline or another eligible common carrier declines your compensation request.

What Is Covered by Credit Card Insurance

To enjoy lost and delayed baggage insurance coverage in the first place, you’ll need to charge at least a portion, if not all, of the cost of your common carrier ticket to your eligible credit card.

In some cases, paying for the taxes and fees on an award ticket will be enough to receive coverage. In other cases, you’ll need to charge the entire fare to your card to be eligible for reimbursement. However, the good news is that your family members are often covered by baggage loss and delay insurance as long as you charge their fare to your card, even if you’re not traveling with them.

Baggage delay insurance reimburses you up to a specific maximum daily amount for essential item purchases. These are purchases of items that were packed in your bag that has been delayed. Toiletries and clothing are examples of essential item purchases. However, many other items can fall into the essential category depending on where you’re traveling, who you’re traveling with and the length of the baggage delay.

Likewise, certain items considered essential can be bought a specific number of times only. For example, you’ll typically be reimbursed for the purchase of one electronic charging cable per person per trip only.

Lost baggage insurance reimburses you up to a specific dollar amount equal to the actual cash value—original price minus depreciation—of your items that have been lost. In some cases, your benefits administrator might require original receipts for items with a value greater than a specified amount. Likewise, certain categories of items—such as jewelry and electronics—may have their own sub-limit for reimbursement.

Both lost and delayed baggage insurance provides secondary coverage. That means you’ll need to first claim compensation from your common carrier. Your credit card baggage protection will then reimburse you for the difference between what the common carrier has already provided and the maximum you’re entitled to receive.

Keep in mind that lost and delayed baggage insurance coverage usually applies only for the outbound part of your trip. That means you won’t be covered for your return trip, assuming you’re returning to your city of residence.

What Is Not Covered

While credit card delayed baggage insurance can often come to your rescue, it won’t cover you in every situation.

High-value personal items tend to be excluded from coverage under delayed baggage insurance. Excluded items can include, but aren’t limited to:

• Jewelry and watches
• Electronics such as cameras
• Artificial dental products, such as dental bridges or dentures
• Checks, documents, securities and money

In contrast, lost luggage reimbursement covers jewelry and watches in addition to electronics. However, these high-value items typically have sub-limits of coverage, lower than the maximum reimbursement amount.

Likewise, certain causes of loss can make you ineligible for reimbursement. For example, items destroyed or lost due to acts of war or insurrection aren’t typically eligible for reimbursement. Similarly, losing your carry-on baggage after leaving it unattended in a public place would make you ineligible for reimbursement.

For this reason, it’s key to read the fine print of your card agreement so you’re not left high and dry.

How to Choose the Right Card for You

If you travel frequently, lost and delayed baggage protection can save you when things go south. The more you find yourself in the skies, the more value you’ll get out of a solid baggage protection plan.

However, it’s important to consider additional card perks and annual fees to determine the best card for you. This is especially so, given that airlines are legally required by the DOT to compensate you in the event your baggage is delayed or lost.

If you’re in the market for the best luggage insurance, you’ll want to consider Chase’s range of lucrative travel rewards credit cards.

For frequent flyers with specific airlines, you have a lot of options when it comes to finding a card with solid baggage insurance protection. Whether it’s British Airways, United, Southwest, Iberia or Aer Lingus, Chase has you covered. Likewise, if you’re after a hotel card, you can choose between Hyatt, Marriott and IHG while enjoying premium baggage insurance.

Alternatively, if you’re looking for flexible travel rewards and luxury perks, you should consider one of Chase’s Sapphire cards for luggage insurance. Chase Sapphire products are also some of the best credit cards with travel medical insurance.

As with selecting any credit card, it’s important to consider the card’s perks holistically and choose a card whose benefits you can use to the maximum. That way, offsetting any annual fees will be far easier.

How to File a Lost or Delayed Baggage Claim

After the drama of losing or waiting for a delayed bag is over, it’s time to file a claim.

To kick start the process, you’ll need to contact your benefits administrator. You’ll need to do this within 20 days of the occurrence to ensure that your claim isn’t denied. The benefits administrator will ask you a few questions to be able to send you the correct forms to file.

Once you’ve filled out and signed these forms, you’ll need to submit accompanying documentation with proof of loss. This can include, but isn’t limited to:

• Your travel itinerary
• A copy of your credit card statement, with evidence of the common carrier fare charge
• Written confirmation from the common carrier of the baggage delay or that a lost baggage report was filed
• Written settlement or denial from the common carrier
• Copies of receipts for essential item purchases exceeding $25 for baggage delay reimbursement or for the purchase of replacement items for lost baggage reimbursement (Chase)
• Copies of original receipts

After you contact your benefits administrator, you typically have 90 days to submit the required proof of loss and completed forms.

If your claim is approved, you can expect reimbursement within 60 days.

Protect Your Baggage With the Right Credit Card

Waiting for your bag to turn up at baggage claim, only to be disappointed, is a real nuisance. Whether it’s a family vacation or a short business trip, a delayed or lost bag is a source of stress.

Credit cards with baggage delay and baggage loss insurance can give you some peace of mind by reimbursing you for the costs associated with your luggage. So the next time you book a flight, make sure you’ve got a credit card with a solid baggage protection plan.

That way, you’ll be able to enjoy your beachside mojito with peace of mind while the airline searches for your 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.