Chase United Club Card: trip delay insurance
What the Chase United Club Card's trip delay insurance covers as its issuer summarises it, which cards with dated benefits list the same thing for a lower fee, and whether the card's rewards pay its fee before the benefit is counted.
Read this first
This list comes from each issuer's benefit summary, read on the month shown beside each card. Summaries leave out the exclusions, the claim limits per year and the conditions — often that the whole trip or purchase has to go on the card — so read the card's full guide to benefits before you rely on one. 64 of the 118 cards in the catalogue have no benefits recorded here yet and are left out, so a card missing from this list may still have it.
What the summary says
Trip delay reimbursement up to $500 per covered traveler for a delay of more than 12 hours or an overnight stay
The summary states no limit for it. That means none was written down, not that there is none — the guide to benefits has the figure.
Read from the issuer's benefit summary 2026-11.
Who it is worth it for
If trip delay insurance is the reason you are looking at the Chase United Club Card, the Bilt Mastercard lists it too, with no annual fee — $695 a year less. 12 cards here carry it for a lower fee in all. What the difference buys is the rest of the Chase United Club Card: its rewards and the other benefits below. Compare the two summaries before deciding they are the same cover.
On rewards alone, the illustrative household spending $2,205 a month (the assumption, in full) earns about $390 a year on the Chase United Club Card, or −$305 once its $695 fee is paid. So the rewards leave $305 of the fee for the card's credits and benefits — this one among them — to make up. It is worth it for somebody who would use enough of them, at face value, to cover that gap; credits are not priced here because they are worth their face only if you would have spent the money anyway.
Every card here with trip delay insurance
| Card | Annual fee | What the summary says | Read |
|---|---|---|---|
| $895 | up to $500 per claim Trip delay after 6 hours up to $500 |
2026-09 | |
| $250 | up to $300 per claim Trip delay insurance up to $300 per trip when a round trip is delayed more than 12 hours |
2026-10 | |
| none | up to $200 per claim Trip delay reimbursement up to $200 per person once a trip runs more than six hours late |
2026-09 | |
| none | Trip delay reimbursement up to $500 per covered traveler for a delay of more than 12 hours or an overnight stay |
2026-11 | |
| $95 | Trip delay reimbursement up to $500 per covered traveler for a delay of more than 12 hours or an overnight stay |
2026-11 | |
| $95 | Trip delay reimbursement up to $500 per covered traveler for a delay of more than 12 hours or an overnight stay |
2026-11 | |
| $95 | Trip delay protection |
2026-11 | |
| $150 | Trip delay |
2026-09 | |
| $150 | Trip delay reimbursement up to $500 per covered traveler for a delay of more than 12 hours or an overnight stay |
2026-11 | |
| $250 | Trip delay reimbursement up to $500 per covered traveler for a delay of more than 12 hours or an overnight stay |
2026-11 | |
| $325 | trip delay after 12 hours |
2026-09 | |
| $350 | Trip delay reimbursement up to $500 per covered traveler for a delay of more than 12 hours or an overnight stay |
2026-11 | |
| $595 | Trip delay protection |
2026-11 | |
| $695 | Trip delay protection |
2026-11 | |
Chase United Club Card (this card) |
$695 | Trip delay reimbursement up to $500 per covered traveler for a delay of more than 12 hours or an overnight stay |
2026-11 |
| $795 | Trip delay reimbursement up to $500 per covered traveler for a delay of more than 6 hours or an overnight stay |
2026-11 | |
| $795 | Trip delay reimbursement up to $500 per covered traveler for a delay of more than 6 hours or an overnight stay |
2026-11 |
The Chase United Club Card's other dated benefits
- Rental car — primary cover — up to $60,000 per claim
- Purchase protection — up to $10,000 per claim, 120 days
- Extended warranty
- Trip cancellation
- Baggage
- Free checked bag
- Global Entry / TSA PreCheck
- Hotel elite status
- Concierge
Questions people ask
Does the Chase United Club Card come with trip delay insurance?
Yes. Its benefit summary, read 2026-11, says: “Trip delay reimbursement up to $500 per covered traveler for a delay of more than 12 hours or an overnight stay”. The full guide to benefits sets the conditions, so read it before relying on the trip delay insurance.
Which credit card has trip delay insurance for a lower annual fee than the Chase United Club Card?
The Bilt Mastercard lists it with no annual fee, $695 a year less. 12 cards with dated benefits carry it for a lower fee in all.
What the Chase United Club Card earns, category by category · Every card with trip delay insurance · How the data here is kept