Credit cards with trip cancellation insurance
15 cards in the catalogue list trip cancellation insurance among their benefits, 4 of them with no annual fee. Those with a stated limit come first, largest first; the questions under the table answer it bank by bank.
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.
| Card | Annual fee | What the summary saysThe issuer's own summary of the benefit, shortened. Summaries leave out exclusions: read the card's benefit guide before relying on one. | ReadThe month this card's benefits were last checked against the issuer. |
|---|---|---|---|
|
American Express · how it works on this card |
$895 | up to $10,000 per claim Trip cancellation and interruption cover up to $10,000 per trip |
2026-09 |
|
Chase |
none | Trip cancellation and interruption insurance up to $1,500 per covered traveler and $6,000 per trip, on passenger fares |
2026-11 |
|
Chase |
none | Trip cancellation and interruption insurance up to $1,500 per covered traveler and $6,000 per trip, on passenger fares |
2026-11 |
|
Chase |
none | Trip cancellation and interruption insurance up to $1,500 per covered traveler and $6,000 per trip, on passenger fares |
2026-11 |
|
Chase |
none | Trip cancellation and interruption insurance up to $1,500 per covered traveler and $6,000 per trip, on passenger fares |
2026-11 |
|
Chase · how it works on this card |
$95 | Trip cancellation and interruption insurance up to $10,000 per covered traveler and $20,000 per trip |
2026-11 |
|
Citi |
$95 | Trip cancellation and trip interruption protection on common carrier travel |
2026-11 |
|
Chase · how it works on this card |
$95 | Trip cancellation and interruption insurance up to $5,000 per covered traveler and $10,000 per trip |
2026-11 |
|
Chase · how it works on this card |
$150 | Trip cancellation and interruption insurance up to $1,500 per covered traveler and $6,000 per trip, on passenger fares |
2026-11 |
|
Chase · how it works on this card |
$350 | Trip cancellation and interruption insurance up to $1,500 per covered traveler and $6,000 per trip, on passenger fares |
2026-11 |
|
Citi · how it works on this card |
$595 | Trip cancellation and trip interruption protection on common carrier travel |
2026-11 |
|
Citi |
$695 | Trip cancellation and interruption protection |
2026-11 |
|
Chase · how it works on this card |
$695 | Trip cancellation and interruption insurance up to $10,000 per covered traveler and $20,000 per trip |
2026-11 |
|
Chase · how it works on this card |
$795 | Trip cancellation and interruption insurance up to $10,000 per covered traveler and $20,000 per trip |
2026-11 |
|
Chase · how it works on this card |
$795 | Trip cancellation and interruption insurance up to $10,000 per covered traveler and $20,000 per trip |
2026-11 |
Rewards rates are a separate question — each card's page says what it earns and whether its fee pays for itself. How the data here is kept, and how fresh it is.
Questions people ask
Which credit cards come with trip cancellation insurance?
15 of the cards whose benefits Cardful has dated list it: American Express Platinum Card, Chase DoorDash Rewards Mastercard, Chase Freedom Rise, Chase Freedom Unlimited, Chase United Gateway, Chase Sapphire Preferred, Citi Strata Premier and Chase World of Hyatt, and 7 more in the table on this page. The benefits were read in 2026-09 and 2026-11; a card with none recorded may still have it.
Is there a credit card with no annual fee that has trip cancellation insurance?
Yes. Among cards with dated benefits, Chase DoorDash Rewards Mastercard, Chase Freedom Rise, Chase Freedom Unlimited and Chase United Gateway list it and charge no annual fee.
Which Chase credit cards come with trip cancellation insurance?
Of the 22 Chase cards whose benefits are dated here, Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Freedom Unlimited, Chase United Explorer, Chase World of Hyatt, Chase United Quest, Chase Freedom Rise, Chase United Gateway, Chase United Club Card, Chase DoorDash Rewards Mastercard and Chase Sapphire Reserve for Business list it. The other 11 don't list it in their dated benefits. 11 other Chase cards have no benefits recorded here yet, so this says nothing about them.
Do the Chase United cards come with trip cancellation insurance?
Yes. Chase United Explorer, Chase United Quest, Chase United Gateway and Chase United Club Card each list it among their benefits, read 2026-11. Chase United Business Card and Chase United Club Business Card have no benefits recorded here, so they are not counted either way.
Do the Chase Rapid Rewards cards come with trip cancellation insurance?
No. Chase Rapid Rewards Priority, Chase Rapid Rewards Plus and Chase Rapid Rewards Premier — none of them lists it among their benefits, read 2026-11. Among Chase cards it comes with Chase DoorDash Rewards Mastercard, Chase Freedom Rise and Chase Freedom Unlimited, among others.
Which American Express credit cards come with trip cancellation insurance?
Of the 14 American Express cards whose benefits are dated here, American Express Platinum Card lists it. The other 13 don't list it in their dated benefits. 10 other American Express cards have no benefits recorded here yet, so this says nothing about them.
Do the American Express Blue cards come with trip cancellation insurance?
No. American Express Blue Cash Preferred, American Express Blue Cash Everyday and American Express Blue Business Plus — none of them lists it among their benefits, read 2026-09. American Express Blue Business Cash has no benefits recorded here, so it is not counted either way. Among American Express cards it comes with American Express Platinum Card.
Do the American Express Delta SkyMiles cards come with trip cancellation insurance?
No. American Express Delta SkyMiles Gold, American Express Delta SkyMiles Platinum and American Express Delta SkyMiles Reserve — none of them lists it among their benefits, read 2026-09. American Express Delta SkyMiles Blue, American Express Delta SkyMiles Gold Business Card, American Express Delta SkyMiles Platinum Business Card and American Express Delta SkyMiles Reserve Business Card have no benefits recorded here, so they are not counted either way. Among American Express cards it comes with American Express Platinum Card.
Which Capital One credit cards come with trip cancellation insurance?
None of the 6 Capital One cards whose benefits are dated here lists it. 1 other Capital One card has no benefits recorded here yet, so this says nothing about it.
Which Citi credit cards come with trip cancellation insurance?
Of the 4 Citi cards whose benefits are dated here, Citi Strata Premier, Citi Strata Elite and Citi AAdvantage Executive list it. The dated benefits of Citi AAdvantage Platinum Select don't include it. 7 other Citi cards have no benefits recorded here yet, so this says nothing about them.
Do the Citi Strata cards come with trip cancellation insurance?
Yes. Citi Strata Premier and Citi Strata Elite each list it among their benefits, read 2026-11. Citi Strata has no benefits recorded here, so it is not counted either way.
Other benefits
- Credit cards with primary rental car insurance
- Credit cards with secondary rental car insurance
- Credit cards with cell phone protection
- Credit cards with purchase protection
- Credit cards with extended warranty protection
- Credit cards with trip delay insurance
- Credit cards with baggage insurance
- Credit cards with a free checked bag