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Get the Best Annual Travel Insurance in Singapore 2024

Compare Travel Insurance prices on MoneySmart to get the best deal to cover you against coronavirus (COVID-19), lost baggage, medical emergencies, flight delays, pre-existing conditions, pregnancy claims and more.

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best annual travel insurance singapore

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[ Score a Rolex, Apple iPhone, MVST Luggage & More! | FLASH DEAL]   • Enjoy 50% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$50 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-vouchers with eligible premiums spent.  T&Cs apply.   BONUS:  For a limited time only, there are over S$19,600 worth of gifts to be given away: • 1x Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x Apple iPhone 15 Pro 128GB (worth S$1,664.25) • 5x MVST TREK Aluminium Large Suitcase (worth S$790) • 1x Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) and many more! Increase your chances of winning when you refer friends  today. T&Cs apply   PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.

best annual travel insurance singapore

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Destination: Thailand

Duration: 09 Jun 2024 - 11 Jun 2024

FWD Premium

FWD Premium

[ Score a Rolex, Apple iPhone, MVST Luggage & More! | MoneySmart Exclusive]     • Enjoy up to 25% off your policy premium. • Get S$20 iShopChangi e-voucher   and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.     BONUS:  For a limited time only, there are over S$19,600 worth of gifts to be given away: • 1x Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x Apple iPhone 15 Pro 128GB (worth S$1,664.25) • 5x MVST TREK Aluminium Large Suitcase (worth S$790) • 1x Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) and many more! Increase your chances of winning when you refer friends  today. T&Cs apply     PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.

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DirectAsia Voyager 1000 Annual Plan

[ Score a Rolex, Apple iPhone, MVST Luggage & More! | FLASH DEAL]   • Enjoy 40% off your policy premium • Receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply.   BONUS:  For a limited time only, there are over S$19,600 worth of gifts to be given away: • 1x Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x Apple iPhone 15 Pro 128GB (worth S$1,664.25) • 5x MVST TREK Aluminium Large Suitcase (worth S$790) • 1x Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) and many more! Increase your chances of winning when you refer friends  today. T&Cs apply   PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.

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Great Eastern TravelSmart Premier Classic

[GIVEAWAY | MoneySmart Exclusive]   • Enjoy up to   30% off your policy premiums • Get S$10 iShopChangi e-vouchers with every policy purchased.  T&Cs apply.   PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.

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Singlife Travel Plus

[GIVEAWAY | Receive your cash as fast as 30 days*]     • Enjoy up to   28% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-vouchers with eligible premiums spent.  T&Cs apply.     PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.

best annual travel insurance singapore

AIG Travel Guard® Direct - Supreme

[GIVEAWAY | Receive your rewards as fast as 30 days*]    • Enjoy 10% off your policy premium. • Get up to S$20 iShopChangi e-voucher with eligible premiums spent. • Additionally, receive an Eskimo Global 1GB eSIM with every policy purchased.  T&Cs apply.    PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.

best annual travel insurance singapore

Allianz Travel Basic

[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy an exclusive 57% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$40  via PayNow and up to S$20 iShopChangi e-vouchers with eligible premiums spent. T&Cs apply.   PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.

best annual travel insurance singapore

[GIVEAWAY | MoneySmart Exclusive | FLASH SALE]   • Enjoy 45% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$10 iShopChangi e-vouchers with every policy purchased.  T&Cs apply.  PLUS, score S$100 iShopChangi vouchers in our giveaway on top of existing rewards.  T&Cs  apply.     New to Tiq? Get FREE Travel Insurance (worth S$30) from Tiq . T&Cs  apply.   [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

best annual travel insurance singapore

Total Premium*

The Wise Traveller Premium

Starr TraveLead Comprehensive Bronze

Starr TraveLead Comprehensive Bronze

Great Eastern TravelSmart Premier Elite

Great Eastern TravelSmart Premier Elite

FWD First

Allianz Travel Platinum

DirectAsia Voyager 250 Annual Plan

DirectAsia Voyager 250 Annual Plan

The Wise Traveller Secure

The Wise Traveller Secure

FWD Business

FWD Business

AIG Travel Guard® Direct - Enhanced

AIG Travel Guard® Direct - Enhanced

Starr TraveLead Comprehensive Gold

Starr TraveLead Comprehensive Gold

Allianz Travel Silver

Allianz Travel Silver

Singlife Travel Lite

Singlife Travel Lite

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What customers say about their travel insurance purchase, review by doreenngsk ng.

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What Do Travel Insurance Plans Cover?

While pricing is a an important factor when comparing travel insurance plans, other features such as overseas medical coverage, trip cancellation coverage and many other related aspects are as important. These benefits and the extent of coverage for each type of benefit usually varies from insurer to insurer. Here are a few aspects you’ll want to look out for when it comes to choosing a suitable travel insurance with adequate coverage .

Overseas medical expenses

In the event you get diagnosed with some sort of unexpected disease, you’ll be able to claim for the necessary and reasonable overseas medical costs incurred within a certain number of days of your trip (usually 90 days) up to the limit as specified according to your selected plan. For some plans there are also tiered coverage limits for different age groups.

In-hospital cash overseas or allowance

Reimbursements for in terms of cash for hospital stays is another benefit that many insurers include in their plans now, especially after the Covid-19 pandemic.

Emergency medical evacuation and emergency medical repatriation

This is one of the fundamental aspects of every coverage plan. Any costs incurred for emergency medical evacuation and repatriation (including repatriation of mortal remains back to Singapore) that are related to your severe injury/illness diagnosis will be covered.

Keep in mind to have someone on your behalf to contact the insurer’s emergency service to provide your full name, dates of trip, NRIC/FIN number, policy number, name of the place and the telephone number that your insurance provider can reach you, as well as the nature of help required during the emergency, in case you are unable to do so during the emergency.

Trip cancellation/alteration/interruption/delay

Trip cancellations, postponements, delays, and interruptions are often covered if you as the traveller or you relatives travelling with you are diagnosed with a severe illness/get severely injured before the date of departure, subject to terms and conditions.

Pre-existing conditions

This benefit is not commonly included in most travel insurance plans, but currently there are several insurers providing such plans and they include MSIG TravelEasy® Pre-Ex, Income Insurance Enhanced PreX® (formally known as Income) and Etiqa Pre-Ex. The premiums are higher than regular plans, but they provide overseas medical expenses that cover pre-existing conditions.

Does Travel Insurance Cover Cancelled Flights?

Not always! While all travel insurance policies have a "Trip Cancellation" benefit, you can only claim for this if it's for an insured event, such as a serious illness or accident, or unforeseen events such as riots or natural disasters. However, different insurers exclude different scenarios, so it's best to read the policy wording carefully. The following are types of flight cancellations that are NOT covered by travel insurance.

Flight Cancellation Due to Known Event

Flight cancellations due to events which are already made known as public knowledge are not covered by travel insurance, as you are expected to have known about these at the point of buying your tickets. However, if you bought your flights and activated your travel insurance before they became public knowledge, you might still be able to make a claim.

Flight Cancellation with Refund / Replacement

If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.

You Cancelled Your Own Flight / Trip

Travel insurance typically covers insured events that are beyond your control. If you are the one who changed your mind about your trip, you generally won't be able to claim anything - unless your insurer offers a "Cancellation for Any Reason" benefit. However, in public health emergencies like the COVID-19 outbreak, airlines usually waive the usual penalties for flight cancellations, out of goodwill.

Different Types Of Travel Insurance Coverage

Single trip plans.

If you’re thinking of only taking one or two trips in a year, single-trip travel insurance is probably more suitable for you. As the name suggests, single-trip insurance plans are made for individual travellers, and those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

It makes more economic sense for those who don't travel very often, plus, single-trip insurance plans can be purchased easily online, with less time in planning and consideration as compared to annual multi-trip plans. But on the flip side, you’ll face the hassle of getting a new travel insurance policy every time you go on an overseas trip. For some, a single-trip insurance plan can get relatively expensive if the trips are short.

Annual Multi-trip plans

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, are designed for those who travel several times in a year. The great thing about this kind of travel insurance is that you only need to do the purchase once, and you’re covered for the next 12 months. It is a good option if you’re a frequent traveller who intends to make many long trips or short weekend getaways abroad in a year.

Individual plans

Going solo as an occasional traveller or frequent traveller means that you’ll most likely need a single-trip individual travel insurance plan or an annual multi-trip travel insurance plan, depending on the frequency of travel.

Family plans

Family travel insurance plans usually cover you and the members of your family who travel with you on your trip, with a maximum number of adults and children to be insured per policy purchased. The people who are insured under a family travel insurance plan may comprise of you and your spouse, and/or your children or grandchildren.

You may want to consider purchasing a family travel insurance plan if you are travelling with your family and thinking of getting a single policy for your family members who are travelling with you, as getting a family travel insurance plan can be more cost-effective than getting separate single trip plans for each family member. What if you and your loved ones are travelling very often as a family? Some travel insurers also offer annual multi-trip travel insurance for families who are frequent travellers.

Single-trip or Annual multi-trip plan - Which one should you pick?

Now that we've detailed out what the different types of travel insurance plans are, it’ll be easier for you to make a decision. If not, here are some examples to help you understand better.

Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.

Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice Australia .

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How Do I Choose The Best Travel Insurance?

When choosing travel insurance plans for your holiday or business trips, there are several factors to consider, depending on your priorities. Here are four simple steps to pick a suitable travel insurance plan.

Check general coverage

Instead of deciding solely by price, you should compare the benefits and reimbursement limits for common claims like medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Compare policy premiums

How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.

Special activities coverage

The breadth of coverage needed largely depends on your itinerary. For instance, if you’re planning to go skydiving, make sure you get a policy that covers aerial sports like MSIG’s TravelEasy® Standard, Elite and Premier plans. Or if you’re going golfing overseas, pick a policy that insures your equipment.

Consider the trip duration

This is one of the important determining factors of which kind of travel insurance you get. Single trip travel insurance plans are usually for short trips. If you’re the kind who travels far and for months, it might be worthwhile to consider buying annual travel insurance.

Unlike single trip travel insurance, annual travel insurance often charges a flat premium and insures you for an entire year of travel. It usually costs about $200 to $300 per year, which is more suitable for a frequent traveller who is probably going to travel overseas more than 7 or 8 times a year, at least.

Best Travel Insurance Plans in Singapore Benefits Coverage

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Travel Insurance Claims

How do travel claims work.

Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.

Here are 3 simple steps to submit your travel insurance claim

Get your supporting documents ready.

Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).

Fill in your details and attach your supporting documents in your submission

Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.

Receive an acknowledgement email and await for settlement

After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.

Frequently Asked Questions

What is travel insurance and how does it help me, what's the difference between single-trip or annual multi-trip travel insurance.

When you buy travel insurance you can choose from 2 types of policies, either the single trip or annual multi-trip travel insurance plan. Single trip travel insurance covers you for a single trip and is usually for individual travellers, or those who are travelling as families, who need travel coverage for a single trip or holiday, especially for long overseas trips (usually up to 180 days).

Annual travel insurance plans, which are also known as multi-trip travel insurance plans, cover you for all trips starting and ending in Singapore, and are designed for those who travel several times in a year, each trip lasting for about less than 180 days. You should consider buying Annual Travel Insurance if you travel frequently (more than 10 times a year). You will enjoy significant savings, and you won't have to worry about purchasing travel insurance every single time as you’ll be covered for the entire year.

Are family travel insurance plans cheaper?

Can i buy travel insurance once i'm overseas, how do i compare travel insurance policies, what are the best travel insurance for east and southeast asia countries.

We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia , taking a weekend trip to Thailand , holidaying in Bali , planning a trip to Japan or a getaway to South Korea . Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.

Does travel insurance cover flight cancellation due to illness?

Is there a difference between family travel insurance plans and group travel insurance plans, we asked singaporeans about flight disruptions, and they answered..

Find out the worst airlines with delays and cancellations according to Singaporean travellers.

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Travel insurance Singapore guide (2023): Must-knows for choosing the best travel insurance

Travel insurance Singapore guide (2023): Must-knows for choosing the best travel insurance

Travelling is a favourite Singaporean pastime. A national sport, if you would. But while we all love travel and wanderlust, most of us don't give much thought to buying travel insurance.

Buying travel insurance in Singapore is something a lot of us take for granted. Few of us bother to buy travel insurance ahead of time, and even fewer compare policies to find the best travel insurance in Singapore.

Here is everything you should look out for before buying travel insurance in Singapore.

1. What does travel insurance cover you for?

A good travel insurance policy covers you for a whole series of situations, from the small inconveniences to the most terrible.

Trust me, you never want to be in a situation that you're not covered for.

It could be a minor inconvenience, like having your luggage delayed and being forced to spend  at least one night in the same clothes you wore on the entire flight. Or it could be a serious medical emergency, like getting stung badly by jellyfish in the middle of a remote island adventure and needing immediate medical attention.

best annual travel insurance singapore

These days, almost all travel insurance in Singapore automatically includes Covid-19 coverage. That means, you'll be able to claim from your travel insurance if you get Covid-19 while travelling.

You should also have coverage for everything from lost and delayed luggage, flight delays and cancellations, all the way to medical treatment, medical evacuation and even repatriation in case of serious illness and death. All these different situations have different claim limits, of course.

Travel insurance also covers things like reimbursing deposits if your travel agent goes bust, or if your credit card is used fraudulently overseas. Some policies even pay you if you are kidnapped while overseas! And the best part is that travel insurance is relatively cheap and convenient to buy.

2. How to choose travel insurance

With so many different benefits in a travel insurance plan, it can be tough to decide if a particular travel insurance plan is worth your money. You should look out for how much you are reimbursed for common travel hiccups.

best annual travel insurance singapore

  • Find a travel insurance that covers flight delays and cancellations: Flight delays happen more often than you realise. They can be extremely inconvenient, especially if it ends up causing you to miss your connecting flight. Ensure that your policy covers you for a decent period of time. For example, if your flight is delayed, some policies pay you $100 for every six consecutive hours of delay. There's usually a cap of around $200-$500, but if you want more coverage DirectAsia DA150 pays out up to $1,000 for travel delay.

best annual travel insurance singapore

  • Lost or delayed baggage: Make sure your policy covers you well for such situations. Many policies pay $100 for every six consecutive hours your baggage is delayed, including Bubblegum Travel Insurance. Both of these also pay up to $3,000 for lost or damaged baggage. Don't forget to also pay attention to the maximum amount you're covered for.

best annual travel insurance singapore

  • Medical coverage overseas: Since you can never predict what might happen on your trip, it literally pays to be safe than sorry. A good travel insurance policy covers you for at least $200,000 for overseas medical coverage and unlimited coverage for emergency medical evacuation and repatriation. One insurance policy that fits the bill is Starr TraveLead Comprehensive Bronze.

best annual travel insurance singapore

  • Travel insurance with Covid-19 coverage: Ideally, your policy should offer coverage for a range of Covid-19 expenses you might encounter during your travels (and even before you fly!). Look out for the travel insurance policies' coverage for trip cancellation and postponement and medical expenses due to Covid-19. Overseas quarantine cash allowance is an added bonus. For example, AIG Travel Guard® Direct - Enhanced covers $100 per day for 14 days if you're quarantined overseas due to Covid-19.

best annual travel insurance singapore

3. Travel insurance prices in Singapore

Travel insurance in Singapore is very price-sensitive, and sometimes insurers can compete to shave off even $1 from their premiums to make their policies more enticing (yay for us!).

best annual travel insurance singapore

One way to get a cheaper plan is to see which insurers offer regional travel insurance. If you are only travelling to Thailand, for example, it is usually cheaper to get a policy that covers only SEA or Asean countries, rather than a worldwide coverage policy.

However, price is not the only factor-especially since cheap insurance policies often mean significantly less coverage. Buying travel insurance is not like buying a "warehouse sale" LV bag in Chatuchak Market. You don't just shop around, look for the stall owner with the weakest bargaining skills, and haggle the price down as low as can get.

Look at other aspects of the policy when buying travel insurance. There are many other factors to consider — for example, how much coverage you're eligible for, and how quickly your claims can be processed. Make sure that you don't have to wait till the next blue moon before you can see the results of your claims.

4. Which travel insurance to buy in Singapore?

best annual travel insurance singapore

Like anything else you purchase, the best travel insurance is what gives you the most value for money. Say you are only travelling to Thailand for a weekend shopping trip, for example.

You're probably travelling light and don't need more than $3,000 coverage for loss of baggage, even if you can pay just $3 more for significantly more coverage. Save that $3 and treat yourself to all the Thai milk tea you can drink!

As we said earlier, you shouldn't be so stingy and only buy the cheapest. The cheapest may have lots of terms and conditions when it comes to claims.

For example, an insurer might not cover delayed luggage if it is only delayed returning to Singapore. However, if this is the only inconvenience you face in your entire trip, you might be understandably upset that it's not claimable.

The important thing is to read the terms and conditions of your preferred policy carefully and make sure you're not caught unawares. This is especially important when it comes to medical pre-existing conditions.

5. Common mistakes when buying travel insurance

best annual travel insurance singapore

How many of us actually know how to go about buying a good travel insurance that is suitable for our needs? Here are five common mistakes to avoid when buying travel insurance:

  • Buying the most 'convenient' travel insurance: Do you just buy the first travel insurance you see on Google? It is important to read the details of the coverage provided to see if they are adequate for your needs or to cover the risks of the destination you're travelling to, eg. medical coverage and loss of personal belongings.
  • Buying travel insurance at the last minute: Do you often buy your travel insurance when waiting to board your flight or while making your way to the airport? Yes, better late than never. However, you should be aware that some of the benefits of the travel insurance are applicable (eg. natural disasters, airline strike, tour agency bankruptcy) if you buy travel insurance ahead of your trip.

best annual travel insurance singapore

  • Not buying travel insurance for the entire length of your trip: Should you purchase travel insurance only for the days you are actually overseas? No. You should include flights to and from your holiday destination. In the event of baggage delays, loss or damage, or overbooking of flights, you'd then be able to make a claim. For long haul trips, do remember to cater for the +1 or +2 days that it takes for your flight to reach Singapore.
  • Not reading your travel insurance policy: Not all travel insurances are created equal. In fact, the policy document and terms of coverage makes for rather interesting reading. Do go through the policy document for what's included and excluded, claim limits, and what you gotta do in order to make a claim.
  • Assuming travel insurance is "one size fits all": If your holiday includes adventurous elements like skydiving or scuba diving, check to ensure that the travel insurance you are considering covers these activities. MSIG TravelEasy Elite covers a whole range of activities, including sky diving, hot air ballon rides, and bungee jumping. Alternatively, check to ensure that adventurous activities are not excluded from the claims.

best annual travel insurance singapore

6. Will pre-existing conditions affect my travel insurance?

One of the biggest travel insurance stories in 2017 was when a Singaporean man had a heart attack in Tokyo and fell into a coma. The medical costs alone cost $120,000 and bringing him back to Singapore via medical evacuation would cost another $120,000.

Because the man had been diagnosed with heart failure in 2012, his insurer considered it a pre-existing condition and therefore no claim was possible. Currently, one insurer that covers pre-existing conditions is NTUC Income with the Enhanced PreX plans.

7. When should I buy travel insurance?

There are many, many things that can go wrong when you're travelling. Half of these things could happen even before you leave the country!

Waiting to buy your travel insurance policy on the day you travel (or worse, after you've already crossed into international waters) puts you at risk for travel inconveniences big and small like delays or postponement.

A good travel insurance policy also covers you for your entire trip being cancelled unexpectedly.

You should buy a travel insurance online as soon as you've planned your trip. Getting your travel policy as early as possible does not make you " kiasu ". It makes you smart.

This is because you'll want to maximise the coverage you can get from the policy. For example, if you haven't bought a policy yet and the travel agency you're booking with closes down a week before your travel, you won't be able to claim anything. The same goes for flight delays and flight cancellations.

best annual travel insurance singapore

There is no penalty for buying travel insurance earlier, except maybe missing out on promotions that often happen around the travel season. But what's the point of saving a few dollars and risk losing hundreds due to cancelled flights and hotel deposits?

8. Buy single trip or annual travel insurance?

In the past, it made more sense to buy single trip travel insurance plans when you leave Singapore. That's because in the past, most people only travel once or twice a year. With the greater nomad and remote working culture… and travels over long weekend, though? It might actually be more convenient to buy an annual plan for your travel insurance.

best annual travel insurance singapore

A good gauge to determine whether to choose between a single trip plan and an annual plan is to ask yourself if you're going to be travelling more than three times a year. And we're not just talking about weekend getaways either!

Whether you're just going across the Causeway or travelling further overseas for work, an annual plan definitely makes more sense to your wallet.

Depending on how often you travel and how far you travel, it might be worthwhile to consider buying annual travel insurance.

If you are a frequent traveller, you not only save money by buying an annual policy, but you'll never have to spend time buying insurance every time you fly overseas. Of course, just like single trip travel insurance, you should still compare the various policies online before you commit.

Annual travel insurance has a flat premium and covers you for an entire year of travel. It usually costs about $200-$300 a year, so only buy it it you are a frequent traveller. That is, it only makes sense if you are going to travel overseas more than seven to eight times a year, at least.

9. Why should I compare travel insurance before buying it?

Comparing allows you to choose the best travel insurance policy for your needs. You'll be able to see at a glance what coverage policies have for various situations, such as medical costs, and compensation levels for lost, delayed and damaged baggage.

But of course, comparing travel insurance in Singapore allows you to see that the cheapest travel insurance policy may not be the best. This is because the cheaper policies usually have significantly less coverage, naturally.

best annual travel insurance singapore

While that may be a good thing for some travellers — there's no need to get a $1,000 coverage for lost luggage if you're only bringing the bare minimum to a staycation in Bangkok, for example.

ALSO READ:  Best travel insurance with Covid-19 coverage for children

This  article  was first published in  MoneySmart .

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Best Travel Insurance in Singapore For Every Type of Traveller and Trip

best annual travel insurance singapore

PUBLISHED July 18th, 2019 08:00 am | UPDATED November 19th, 2021 05:54 pm

Getting sick abroad can be pretty  expensive . It’s just as bad when you lose a passport, or face extreme travel delays that derails all the hard work you put into planning that perfect birthday vacation for your mom . That’s where travel insurance comes in, but there’s no one-size-fits-all. What if we told you that many people make the mistake of sticking with the same insurer for every single trip?

Whether you’re hopping to a music festival in Hong Kong or scuba diving in Maldives, here’s our pick of the best travel insurance for every type of traveller and trip!

For Frequent Travellers

Allianz travel annual multi-trip travel insurance.

Do you travel as frequently as four or more times a year? You might want to consider getting an annual multi-trip plan for maximum benefits and coverage. Allianz Travel’s Annual Multi-Trip Travel Insurance is one of Singapore’s most comprehensive annual plans, spanning benefits such as luggage loss, trip cancellations, and travel delays. Besides a 24/7 global network to support you all year round, Allianz Travel also boasts a seamless online experience that makes your claims hassle-free. Their Comprehensive Platinum plan is particularly attractive, with unlimited emergency medical and transportation coverage – it’s the ultimate way to put your mind at ease.

Starts from S$452.40 per annum, get a quote here . 

For Solo Backpacking

Allianz travel single trip travel insurance (comprehensive bronze).

Travelling alone is tons of fun, and it’s a rite of passage for many people. But it’s also nerve-wracking to be alone when something untoward happens during your backpacking trip. Allianz Travel’s Single Trip Travel Insurance (Comprehensive Bronze) offers you the peace of mind that even if an unfortunate accident occurs, you’ll be well cared for, even if that means you have to be flown home! The plan provides a very generous S$1,000,000 in emergency medical coverage due to sickness or accident, and up to S$15,000 in trip cancellation coverage. It goes without saying that lost baggage, theft, and loss of passport are also covered!

Starts from S$35.10 per trip, get a quote here . 

For Adventure Tourism

Etiqa eprotect travel.

While many travel insurance plans cover sporty activities, they typically apply only to select leisurely activities and casual sports. That’s where Etiqa’s eProtect Travel comes in, making sure adrenaline junkies and adventure seekers are always fully covered when travelling. Even the most basic plan provides up to S$50k in case of personal accident, S$200k for overseas medical expenses, and up to S$250 per lost item, because those premium hiking boots don’t come cheap. The list of activities covered included bungee jumping, hiking below 3km from sea level, hot air balloon rides, hand gliding, paragliding, sky diving, and scuba diving.

Starts from S$9.90 per trip, get a quote here .

For Music Festival Junkies

Fwd travel insurance.

You’re all psyched up for your Japan trip to that big music festival to see Radiohead and Billie Eilish. But wait, your flight’s been delayed by six hours, which means you’ll miss a good part of the line-up you paid good money for. It’s bad luck, but the FWD Travel Insurance will cover up to $300 for your flight delay, as well as a max of S$3000 for any theft or damage to your belongings. You might not get back the footage from that camera you lost, but at least there’s some moolah to make up for that. We know how things can get pretty crazy during these events — you know, like dropping a crowd-surfer by mistake — but how about a $500k liability for harm or damage you accidentally cause?

Starts from S$13 per trip, get a quote here .

For Business Travellers

Axa smart traveller.

We travel all the time for work, so we know what it’s like to be inconvenience by baggage delays, flight delays, and even worse, loss of belongings. Imagine touching down smoothly only to realise your important documents, and laptop won’t arrive until half a day later, or ever. AXA Smart Traveller ’s Essential and Comprehensive plans stands out for its high delay and loss benefits, and will remunerate you with up to $2,000 and $10,000 respectively — one of the highest in its price range. Your job doesn’t have to kill you, and with unlimited emergency medical evacuation and repatriation, you’re fully covered!

Starts from S$13.97 per trip, get a quote here .

For Large Families

Msig traveleasy.

best annual travel insurance singapore

Travelling with several generations is already a hefty cost (because accommodation and air tickets don’t come cheap), so you’ll want to get the most bang for your buck when it comes to insurance. The MSIG TravelEasy is a choice pick with its $150k personal accident coverage and lost belongings coverage of $500 per item for the standard plan. There’s also a ‘pre-ex’ option that covers pre-existing illness, which is useful for more senior members in the family. Have to cancel the trip due to unforeseen circumstances? You’re covered with a max of $5,000 per person.

Starts from S$16 per trip, get a quote here . 

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Gary is one of those proverbial jack of all trades… you know the rest. When not writing about lifestyle and culture, he dabbles in photography, graphic design, plays four instruments and is a professional wearer of bowties. His greatest weakness: spending more money on clothes than he probably should. Find him across the social world as @grimlay

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What is Annual Travel Insurance?

Annual Travel Insurance (also known as Multi-Trip Travel Insurance) is an insurance policy that provides cover for those who travel regularly and often.

Annual Travel Insurance cuts the hassle and works out to be overall cheaper than taking out travel insurance policies on each trip, as you submit and pay once for 12 months’ worth of coverage.

Contact us for policy quotation, comparison and unbiased advice now!

What does Travel Insurance cover?

Annual travel cover could be a good choice for anyone who makes two or more trips in a 12-month span. For those taking a one-off holiday, single trip cover might be better.

Benefits of an annual policy include:

This provides for one less thing to worry about as you can travel at a moment’s notice without having to do the administration of purchasing Travel Insurance .

Affordability

If you aware in advance of having to take several trips a year, it can be cheaper than paying for multiple single trips.

Suitability

With several types of annual multi-trip policy targeting different regions of the world, you only need to pay for insurance for the areas you know you’ll be visiting.

Flexibility

Insurance providers offer a range of cover options, so you can choose between a typical policy and one with much higher limits for pay-outs.

That means if you travel once a year, a single-trip policy could be cost-efficient. However, if you travel two or more times a year, you’ll probably find that the best way to save money is by signing up for an annual multi-trip policy.

What is not covered in Annual Travel Insurance?

Every insurance policy has a list of exclusions that an insurance provider will not pay out claims for. You should always read the policy documents carefully before buying them to ensure your personal needs are covered. Exclusions may include:

  • Treatment if you have a pre-existing medical condition .
  • Any sports that are played in a professional capacity or in competition.
  • Extreme sports such as big wave surfing, cliff jumping, horse jumping, potholing, ultra-marathons, biathlons, triathlons and stunt riding.
  • Strikes that were public knowledge when you bought your insurance.
  • Claims arising from travel to a place where the Ministry of Foreign Affairs (MFA) has advised against travel , prior to your trip.
  • Claims resulting from drug or alcohol consumption.

Frequently Asked Questions

About Annual Travel Insurance In Singapore

When Should I Get Annual Travel Insurance In Singapore?

How Much Is Annual Travel Insurance In Singapore?

Does Annual Travel Insurance Cover COVID-19?

Many insurance companies offer COVID-19 coverage on annual travel insurance plans in Singapore. Some provide wider coverage, but you can generally expect the following benefits:

  • Reimbursement for overseas medical expenses incurred for up to 90 days since diagnosis
  • Trip cancellation benefit
  • Trip alteration
  • Overseas COVID-19 quarantine coverage
  • Early return home

What Is The Maximum Coverage Period For Annual Multi-Trip Plans?

Should I Get Single-Trip Or Annual Travel Insurance In Singapore?

What Does Annual Travel Insurance Cover?

The specific coverage and benefits can vary depending on the policy and insurance provider, but annual travel insurance typically covers the following:

  • Trip cancellation benefit (for flight cancellations, delays, and interruptions)
  • Overseas medical expenses
  • Emergency medical evacuation
  • Coverage for pre-existing medical conditions (depending on insurer)
  • Emergency repatriation due to political unrest or natural disasters
  • Theft of money or personal belongings
  • Individual or family cover

Does Annual Travel Insurance Cover Cruises?

Does Annual Travel Insurance Cover Accommodation Expenses?

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  • Sompo Travel Insurance: Worth a Buy?

Author - Anastassia Evlanova

  • Essential plan provides seamless coverage across all categories
  • Superior plan is very cheap for short trips in ASEAN
  • Higher-class tier offers relatively lower coverage

Sompo's suite of travel insurance plans are designed for the traveller looking for a good deal on a solid travel insurance plan that comes without any headache-inducing gaps in coverage. But both of Sompo's policies are not created equal, and each plan measures up differently against the competition. To help you decide if one of Sompo's travel insurance policies will be a good fit for your next trip, continue reading for our in-depth breakdown of the basic Essential Plan, and the premium Superior Plan.

Table of Contents

Sompo Essential Plan

Sompo superior plan, sports coverage, claims information.

  • Summary of Coverage

Sompo Travel Insurance: What You Need to Know

Sompo's two travel insurance plans can be characterised as providing middle of the market, balanced protection in most, if not all coverage areas and below-average prices. On the one hand, these plans' relatively seamless coverage means that you won't have to worry about your plan not being there for you when you need it, no matter what kind of circumstance arises. On the other hand, in failing to stand out in any significant way from other plans on the market, Sompo's plans lack that "X factor" that could help make them a clear top choice. Of the two, Sompo's premium-tier policy, the Superior Plan, settles most comfortably into a definitive niche, providing coverage that meets the industry standard at a bargain price. The mid-tier Essential Plan, however, tends to be outperformed by other plans on the market that provide better coverage for the same price or similar coverage for a lower price.

This graph compares the price of all the major travel insurance policies in Singapore for a 1-week trip in the ASEAN region in order to help consumers find the cheapest travel insurance for their trip.

There are some unique benefits that Sompo offers that can benefit families looking to maximise medical and accident coverage. This includes quarantine allowance for normally excluded diseases such as SARS, tuberculosis, H1N1, mumps, rubella and rabies. Additionally, there is a war and terrorism cover, coverage for reconstructive surgery due to burns and recuperation allowance due to accidental miscarriage. This makes Sompo a good choice for families who are expecting or who have young children/elderly relatives who are prone to getting sick. However, you will get the most of these benefits only if you purchase the Superior plan, so if you are in the market for a medically comprehensive budget plan, you may have better luck with other insurers.

Notable Exclusions

Along with a handful of other insurers, Sompo will cover you for war if you are an innocent bystander, accidental miscarriage and certain infectious diseases. Otherwise, the rest of the exclusions are quite standard. You are not covered for manual or hazardous work, pre-existing conditions, trips taken for a specific medical purpose and loss or damage done to items caused by detention or confiscation by official employees.

Compared to other mid-tier travel insurance plans, Sompo's Essential Plan offers a medium, balanced level of coverage in most areas at prices that are below the industry average. Nevertheless, the Essential Plan is still outshone by other policies within the tier that provide you with roughly the same degree of protection at a lower price. Specifically, Budget Direct's Comprehensive Plan bears more than a passing resemblance to Sompo's Essential Plan while also maintaining the edge as the cheapest mid-tier plan on the market for most, if not all, kinds of trips.

For travellers seeking higher coverage from their travel insurance plan, you can still do better than the average Sompo Essential Plan. We would also highlight Aviva Travel Plus and Allianz Global Assistance Silver as policies that give you particularly good value for your money and offer superior coverage within the middle tier of travel insurance plans.

Sompo's Superior Plan is a high-value choice for individuals seeking a solid premium plan at a bargain price. It provides considerable bang for your buck, featuring an attractive combination of medium coverage with no especial weak points and among the lowest prices within the luxury tier of travel insurance policies for many kinds of trips (especially within ASEAN).

While Sompo's Superior Plan does tend to be extremely affordable for a premium travel insurance plan, its annual policies run around the middle of the pack in terms of cost. Thus, for frequent fliers seeking a bargain on a multi-trip policy, we might point you toward DirectAsia's DA500 Plan instead. It should also be noted that travellers seeking the best coverage money can buy may be better suited by the more expensive, yet more comprehensive luxury plans sold by Aviva (Travel Prestige) and Allianz Global Assistance(Gold) .

Sompo does not offer much in terms of sports or adventurous activities coverage. Sompo offers medical coverage for leisure underwater activities (scuba diving) for their Essential and Superior plans. You will also only be covered for lesiure trekking below 3,500 metres, and for rock climbing on man-made walls.

To submit a claim with Sompo, you can download their claim form and either send it to their office or send it by email. For medical expenses, luggage damage, flight & baggage delay and trip cancellation/rental vehicle excess/loss of hotel facilities, you can submit your claim online. All claims must be submitted within 30 days of your return to Singapore with the original supporting documentation. If your claim exceeds S$5,000, you must advise Sompo Assist within 24 hours of the event occuring. Your claim should be processed within three days of submission.

Sompo Travel Insurance Details

Making sure you're getting the best deal on your travel insurance policy means you'll be able to have peace of mind on your next vacation without breaking the budget. Below, you'll find a summary of how Sompo compares in price and coverage benefits to the industry average. If you'd like to learn more about other travel insurance plans, you can read our guide to the best travel insurance in Singapore.

  • Best Travel Insurance in Singapore
  • Average Costs and Benefits of Travel Insurance 2022
  • Do You Really Need Travel Insurance?

Anastassia

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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best annual travel insurance singapore

  • About Chubb Travel Insurance
  • What is covered?
  • What is not covered?
  • When am I covered?
  • Where can I travel?
  • Who is covered?
  • COVID-19 Cover
  • Preparing to Travel
  • At Your Destination
  • When the Unexpected Happens
  • Planning Your Travel
  • Chubb Assistance
  • Relating to COVID-19 Cover
  • Types Of Plan & Eligibility
  • Medical Cover
  • Baggage Cover
  • Sports And Sporting Equipment
  • Trip Cancellation
  • Travel Tips

Why Buy Annual Travel Plan

Why an annual travel plan - chubb travel insurance singapore, if you plan to travel frequently in the next 12 months, you should consider purchasing an annual travel insurance plan. besides cost saving, it saves you the hassle of buying an individual plantravel insurance plan every time you travel., the benefits of buying an annual plan.

image alt text

Designed for people who go on numerous trips throughout the year, our annual travel insurance covers you from the moment you leave your home to start your journey to the time you return, as long as both start and end dates are within the period of your insurance cover.

The individual trip limit is 90 days cover for an unlimited number of trips in any one policy year. With our Ultimate Annual Plan you’ll be covered for:

  • up to $1,000,000 in Overseas Medical and Accidental Expenses
  • up to $2,000,000 per policy for Personal Liability
  • up to $15,000 for Journey Cancellation

You can also claim up to $1,000 if your departure is delayed – $200 per 6 consecutive hours.

Play Golf ?

image alt text

Chubb Travel Insurance Annual Plan has the added golf protection, reimbursing you $500 for entertainment expenses you incur from the Hole-in-One as well as cover for Golf Equipment and Unused Green Fees.

Our annual travel insurance starts from $275! Get a quote today.

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Best Travel Credit Cards of June 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Wells Fargo Autograph Journey℠ Visa® Card, Citi Strata Premier℠ Card, Bank of America® Travel Rewards Credit Card for Students. The details for these products have not been reviewed or provided by the issuer.

  • Best overall travel credit card : Chase Sapphire Preferred® Card
  • Best travel credit card for beginners : Capital One Venture Rewards Credit Card
  • Best no-annual-fee travel credit card : Capital One VentureOne Rewards Credit Card ( rates and fees )
  • Best for spending at hotels : Wells Fargo Autograph Journey℠ Visa® Card
  • Best for travel rewards on everyday spending : Citi Strata Premier℠ Card
  • Best travel card for students : Bank of America® Travel Rewards Credit Card for Students
  • Most affordable premium travel credit card : Capital One Venture X Rewards Credit Card
  • Best travel credit card for earning travel credit on dining and groceries : American Express® Gold Card
  • Best premium card for travel bonus categories : Chase Sapphire Reserve®
  • Best for luxury travel benefits and airport lounge access : The Platinum Card® from American Express

Introduction to Travel Credit Cards

Whether you're just dipping your toe into the world of rewards credit cards or you've already flown thousands of miles on points alone, we can tell you: There's a travel credit card for everyone. There's a card if you're looking for free flights, if you're hoping for free hotel stays, or if you're just doing whatever it takes to realize your dream of an overwater bungalow. There are even no-annual-fee travel credit cards that won't cost you anything to keep.

Compare the Top Travel Credit Cards

Chase Chase Sapphire Preferred® Card

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

21.49% - 28.49% Variable

Earn 75,000 bonus points

Good to Excellent

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
  • con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Capital One Capital One VentureOne Rewards Credit Card

Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.25X miles on every purchase.

0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)

19.99% - 29.99% Variable

Earn 20,000 miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee or foreign transaction fees
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Versatile rewards
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 1.25 miles per dollar on all purchases with no bonus categories to track
  • con icon Two crossed lines that form an 'X'. Lower earning rate than some other no-annual-fee rewards cards
  • con icon Two crossed lines that form an 'X'. Limited benefits

The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Wells Fargo Wells Fargo Autograph Journey℠ Visa® Card

Earn unlimited 5x points per dollar on hotels. Earn 4x points on airlines. Earn 3x points on other travel and dining. Earn 1x on other purchases.

21.24%, 26.24%, or 29.99% Variable

Earn 60,000 bonus rewards points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation and lost baggage protection
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Airline and hotel transfer partners available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Welcome bonus
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous cellphone protection
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low annual fee
  • con icon Two crossed lines that form an 'X'. Transfer partner network not as diverse or robust as competitors

The Wells Fargo Autograph Journey℠ Visa® Card is a true travel credit card, with benefits that rival many of the best travel rewards credit cards currently on the market. This card has a low annual fee on par with that of popular competing credit cards and Wells Fargo's newly announced Points Transfer program allows cardholders to juice maximum value from every point they earn.

Capital One Capital One Venture Rewards Credit Card

Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.

19.99% - 29.99% variable

Earn 75,000 miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No bonus categories to keep track of
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes up to a $100 statement credit for Global Entry or TSA PreCheck
  • con icon Two crossed lines that form an 'X'. Other credit cards offer higher rewards in certain categories of spending

If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome 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
  • Earn unlimited 2X miles on every purchase, every day
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more

Citi Citi Strata Premier℠ Card

Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.

21.24% - 29.24% variable

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. $100 annual hotel credit on a single stay of $500 or more
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No foreign transaction fees
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay/interruption benefits and lost/damaged baggage coverage
  • con icon Two crossed lines that form an 'X'. Has an annual fee
  • con icon Two crossed lines that form an 'X'. Citi Travel rates often are higher than retail cost of travel

Bank of America Bank of America® Travel Rewards Credit Card for Students

Earn unlimited 1.5 points per dollar on purchases.

  • 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account

17.99% - 27.99% Variable

25,000 online bonus points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous welcome bonus for a student credit card
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns flexible points you can use toward a wide variety of travel purchases
  • con icon Two crossed lines that form an 'X'. Other travel rewards cards have higher earning rates
  • con icon Two crossed lines that form an 'X'. Few travel-related benefits compared to other travel cards

A good student credit card should offer rewards and useful benefits to those with limited credit history and the Bank of America® Travel Rewards Credit Card for Students hits several of those notes. However, while the card is marketed to students, those without established credit may have difficulty getting approved.

  • The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by Business Insider and has not been reviewed by the issuer.
  • 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases)
  • Unlimited 1.5 points for every $1 spent on all purchases everywhere, no expiration on points
  • No annual fee or foreign transaction fees

Capital One Capital One Venture X Rewards Credit Card

Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.

Earn 75,000 bonus miles

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections
  • con icon Two crossed lines that form an 'X'. High annual fee
  • con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

American Express American Express® Gold Card

Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.

See Pay Over Time APR

Earn 60,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great rewards for dining and for shopping at US supermarkets
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Monthly statement credit for eligible dining purchases recoups some of the annual fee
  • con icon Two crossed lines that form an 'X'. Underwhelming welcome bonus

Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Chase Chase Sapphire Reserve®

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
  • con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

American Express The Platinum Card® from American Express

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

Earn 80,000 Membership Rewards® points

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
  • con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
  • con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.

Best Travel Credit Card Recommendations

The best travel rewards credit cards offer valuable rewards, easy-to-use benefits, and helpful features like travel coverage. Our team of credit card experts at Business Insider chose the best options available on the market in 2024, and reviewed each one below.

Best Travel Credit Card Overall

The Chase Sapphire Preferred® Card is our top pick for a well-rounded travel rewards credit card. Even infrequent travelers can benefit from the slew of premium perks on this card, typically found on cards with far higher annual fees. 

The Chase Sapphire Preferred® Card stands out for its travel protection benefits. When you pay for travel expenses with this card and meet certain requirements, you can request reimbursement for unexpected expenses that may arise when your flight is delayed or if your baggage is delayed or lost.

You'll also have primary rental car insurance, meaning you won't have to file claims through your personal car insurance plan or pay for coverage from the rental car company. This card also offers a 10% anniversary points bonus, and up to $50 in annual statement credits for hotel purchases made through the Chase Travel℠ Portal. 

The rewards rate on the Chase Sapphire Preferred® Card isn't shabby either. You'll earn 5 points on travel purchased through Chase Ultimate Rewards; 2 points on all other travel purchases; and 3 points on dining, online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services. You'll earn 1 point per dollar on everything else.

Chase Ultimate Rewards® points are some of the easiest points to use in various ways. You can redeem them for travel directly through the Chase Travel Portal for a 25% boost in value, where 1 point will be worth 1.25 cents apiece. You can also transfer your points to Chase's airline and hotel transfer partners , which include United Airlines, Hyatt, Marriott, and many other airlines and hotel chains around the world. Cardholders can also use points for statement credits, gift cards, merchandise, and more.  

What the experts love: High welcome bonus offer, earns bonus points on travel, dining, and online grocery purchases, you can redeem points for 1.25 cents apiece for travel or through Chase for 25% value bonus

What the experts don't love: Doesn't offer some of the travel perks you'll get with competing cards, such as airport lounge access and a statement credit for Global Entry

Read more: Chase Sapphire Preferred® Card card review

Best No-Annual-Fee Card for Earning Travel Miles

The Capital One VentureOne Rewards Credit Card is our top choice for a no-annual-fee travel card ( rates and fees ), and it's got many of the same perks as its bigger sibling, the Capital One Venture Rewards Credit Card.

New cardholders can earn a respectable 20,000 miles after spending $500 on purchases within three months from account opening (worth at least $340 in travel according to Business Insider's valuations). While the card only earns 1.25 miles per dollar on most purchases (plus 5x on hotels and car rentals booked through Capital One Travel), it's still a compelling choice if an annual fee isn't for you ( rates and fees ).

You'll get the same access to Capital One's airline and hotel partners as you would with annual-fee cards, and a handful of benefits including car rental insurance***, travel accident insurance***, and purchase assurance***. This is also a solid pick if you're looking for a zero-interest credit card  with a 0% introductory APR offer, because new cardholders receive a 0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR ( rates and fees ).

What the experts love: No annual fee, access to transfer partners, generous intro 0% APR offer

What the experts don't love: Few travel benefits, lower earning rate

Read more: Capital One VentureOne Rewards Credit Card review

The newly announced Wells Fargo Autograph Journey℠ Visa® Card earns one of the highest rates of return on hotel bookings for a credit card that isn't co-branded with a specific hotel chain. 

This card has a $95 annual fee, inviting direct comparisons to two other cards on this list: The Sapphire Preferred Card , and the Capital One Venture Rewards Credit Card . In exchange, cardholders earn at least 3x on dining and travel purchases. Airline purchases earn 4x, and hotel purchases earn 5x.

Wells Fargo simultaneously announced brand-new airline and hotel partners: Choice Privileges, Aer Lingus AerClub, Air France-KLM Flying Blue, avianca lifemiles, and British Airways Executive Club. Wells Fargo Autograph Journey℠ Visa® Card cardholders can redeem rewards at the standard redemption rate of 1 cent per point for cash back, or transfer their rewards to any of the travel partners above for additional value.

The Wells Fargo Autograph Journey℠ Visa® Card will be available for in-person applications at select Wells Fargo bank locations on March 9, 2024. Nationwide applications open online and in person on March 20, 2024. 

Read more: Wells Fargo Autograph Journey credit card review

Best Travel Credit Card for Beginners

The Capital One Venture Rewards Credit Card is a great "set it and forget it" card, in the sense that you don't have to worry about various bonus categories for earning rewards. You'll earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2x miles on all other purchases.

The Capital One Venture Rewards Credit Card also offers one of the most straightforward ways to redeem rewards for travel: you're able to use your miles to cover recent travel purchases from your card statement, at a rate of 1 cent per mile. 

You also have the option to transfer Capital One miles *** to more than a dozen frequent flyer and hotel loyalty programs, including Air Canada Aeroplan, Etihad Guest, and Singapore Airlines KrisFlyer. Capital One also added new partners including British Airways and Turkish Airlines, and improved the transfer ratio to 1:1 for most partners. 

The selection of transfer partners is best suited to someone who wants to travel internationally and who doesn't mind spending some time researching the best ways to redeem miles with the different frequent flyer program options. But the upside is that you can always use your miles to cover your travel purchases. You also get up to a $100 Global Entry/TSA PreCheck application fee credit.

What the experts love:  The ability to use your miles to cover your recent travel expenses; it earns at least 2 miles per dollar on every purchase.

What the experts don't love: Other cards offer higher rewards on certain spending categories such as travel and dining.

Read more: Capital One Venture Rewards Credit Card review

Best Travel Rewards on Everyday Spending

The Citi Strata Premier℠ Card isn't as flashy or well-known as some other travel cards, but that doesn't mean you should overlook it, especially if you spend a lot on its bonus categories. Cardholders earn an impressive 3x points on air travel, gas stations, restaurants, supermarkets, and hotels, and 1 point per dollar on everything else.

Along with a solid welcome bonus offer of 75,000 bonus points after spending $4,000 in the first three months of account opening (worth $1,200 based on Business Insider's valuations), you'll receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com once per calendar year.

While it isn't the best for travel protections, the Citi Strata Premier℠ Card is the only card currently available to new applicants that unlocks the ability to transfer your ThankYou points to Citi's full list of airline and hotel partners , including JetBlue, Singapore Airlines, and Wyndham.

What the experts love:  Strong rewards earning in useful everyday categories, access to Citi's transfer partners

What the experts don't love: Lack of travel protections like car rental insurance, few travel perks compared to similar rewards cards

Read more: Citi Strata Premier℠ Card review

Best Travel Card for Students

The Bank of America® Travel Rewards Credit Card for Students is a fairly unique offering, as there aren't many student credit cards specifically geared toward travel. New cardholders can earn 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases). That's a decent offer for a no-annual-fee card, and the earning structure is simple, too — 1.5x points per dollar on every purchase, with no bonus categories to keep track of.

There's also a 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account (then a 17.99% - 27.99% Variable APR) which can be handy if you have big purchases (like textbooks or supplies) you want to pay for over time. 

The Bank of America® Travel Rewards Credit Card for Students is a good choice if you prefer a straightforward card without having to worry about award charts or transfer partners. It's also a safe bet if you want to use it while traveling internationally — it doesn't charge pesky foreign transaction fees, so you won't be on the hook for extra charges if you use it overseas.

However, you won't find many extras — like travel benefits or purchase protections — with this card. If you're looking for better benefits, be sure to check out our guide to the best student credit cards for all the top options.

What the experts love: Impressive welcome bonus offer for a student credit card, good flat-rate rewards earning

What the experts don't love: No flashy extra perks or shopping benefits

Read more: Bank of America® Travel Rewards Credit Card for Students review

Most Affordable Premium Travel Credit Card

The Capital One Venture X Rewards Credit Card was unveiled in late 2021 and offers a massive welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening — worth at least $1,275 in travel, based on Business Insider's valuation of Capital One miles .

The Capital One Venture X Rewards Credit Card is loaded with premium benefits that can more than offset the $395 annual fee ( rates and fees ). For context, the Venture X's annual fee, while high, is significantly lower than other premium travel card competitors.

Capital One Venture X Rewards Credit Card cardholders receive $300 per year in credits toward travel booked through Capital One, Priority Pass, Plaza Premium, and Capital One airport lounge access (even for authorized users), a 10,000-mile bonus on each account anniversary (worth $100 in travel), and Visa Infinite travel and purchase benefits.

As with other cards that earn Capital One miles , you can transfer rewards to over a dozen airline and hotel partners to book award travel, or use miles to book through the Capital One Travel Portal .

What the experts love:  Between $300 a year in travel credit and a 10,000-mile bonus on each account anniversary, you can offset the annual fee entirely — and that's not even considering other benefits like lounge access.

What the experts don't love:  The $300 travel credit is more restrictive than other cards' — it only applies to travel booked through Capital One.

Read more: Capital One Venture X Rewards Credit Card review

Best for Earning Travel Credit from Dining and Groceries

The American Express® Gold Card is an ideal travel card for anyone who frequently eats out and/or shops at U.S. supermarkets. You'll earn 4x Amex Membership Rewards points on these purchases (though note the $25,000 calendar year annual cap for U.S. supermarkets; after that, you'll earn just 1 point per dollar, but that's a pretty high cap). The card also earns 3x points on flights booked directly with the airlines or through AmexTravel.com, and 1 point per dollar on everything else.

While the $250 annual fee is on the high side, you can offset it thanks to an annual statement credit. You can get up to $120 in annual dining credits**, but it's divided into up to $10 in credits each month, and the credit only applies at select restaurants and delivery services, including Grubhub, Seamless, Milk Bar, Wine.com, and Goldbelly, and participating Shake Shack locations.

You'll also get up to $120 Uber Cash ($10 per month) credit each calendar year (this is only applicable to U.S. Eats orders and rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

What the experts love: "4x points on restaurants and at U.S. supermarkets (on up to $25,000 per year, then 1x) is great — usually, a card favors one or the other," says Rathner. Plus, the card offers monthly dining credits.

What the experts don't love: Wilson notes that other cards offer similar benefits for a lower annual fee, and Rathner notes that the card's travel and dining credits come with some important limitations — so read the fine print. 

Read more: American Express® Gold Card review

Best Premium Card for Travel Insurance and Bonus Categories

The Chase Sapphire Reserve® has a $550 annual fee, which means it's not for everybody, but if you're serious about maximizing your rewards and you travel frequently, it could be worth it. It offers a bonus of 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. 

Not only do you get up to $300 in statement credits toward travel each year (and Chase has a very generous definition of travel — including everything from airfare to highway tolls), but you also earn 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 travel credit) and 3x points on all other travel and dining. You also get airport lounge access through the Priority Pass network , which has more than 1,300 locations worldwide.

New benefits also include access to Chase Sapphire lounges in JFK , LaGuardia , Boston , and Hong Kong, as well as the Chase Sapphire Terrace at Austin Airport . You'll also receive benefits with DoorDash  and Instacart that can save you money on delivery (activation required).

The Chase Sapphire Reserve® is currently offering cardholders two years of complimentary Lyft Pink All Access membership (valued at $199 per year) for member-exclusive pricing, priority pickup, and more (activation required). 

When it comes to redeeming points, you can book travel through Chase and get 1.5 cents per point (a 50% bonus over the standard 1-cent-per-point rate), or you can transfer your Chase Ultimate Rewards to travel partners like Hyatt, British Airways, and United.

Plus, like the less-expensive Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® offers some of the best credit card travel insurance around. This includes primary car rental insurance, trip delay insurance, trip cancellation protection, and lost baggage insurance.

The Chase Sapphire Reserve® card was previously our pick for the best travel card overall, before the annual fee increased from $450 to $550. While the Reserve did add some additional benefits, the Reserve no longer makes as much sense for casual travelers. As a result, we now recommend the Chase Sapphire Preferred® Card as the best travel credit card for most people. 

What the experts love:  Earns 3x points on travel and dining purchases made outside of Chase Travel Portal, annual $300 travel credit, points are worth 1.5 cents apiece for travel booked through Chase

What the experts don't love: You have to squeeze every drop of value out of this card to make that jaw-dropping $550 annual fee worth your while.

Read more: Chase Sapphire Reserve® review

Best for Luxury Travel Benefits and Airport Lounge Access

The Platinum Card® from American Express has one of the highest rewards card annual fees —  $695 — but it can still be well worth it if you can put all of its statement credits and generous welcome bonus offer to use.

You'll earn 5x points on flights when you book directly through the airline or through American Express Travel (on up to $500,000 per calendar year), which makes the card a great choice for purchasing airfare. The card offers trip cancellation and interruption insurance, plus some of the best purchase protection, so it's a good option for buying expensive items (and don't forget to see if you can take advantage of an Amex Offer ** for bonus points or cash back).

The Platinum Card® from American Express offers more airport lounge access than any other personal travel card — in addition to Priority Pass membership**, you get access to Amex Centurion Lounges , Delta Sky Clubs (when you're flying Delta), and more. 

The card's annual statement credits can go a long way toward offsetting the high annual fee. You get up to $200 in statement credits toward airline incidental fees** like checked bags and inflight purchases; up to $100 each year in credit toward Saks Fifth Avenue purchases**; and up to $200 in annual Uber credits (including Uber Eats)**. 

Just keep in mind that you're limited to one designated airline you choose each year in your Amex account for the airline incidental fee credit, and both the Saks and Uber credits are divided into portions. You'll get up to $50 in statement credits toward Saks purchases from January to June, and another credit of up to $50 for Saks purchases from July to December.

With the Uber credit, you get up to $15 each month, and a $20 bonus in December for a total of $35 that month.

What the experts love:  Lots of luxury benefits, including airport lounge access and statement credits with Uber and Saks

What the experts don't love: This card's $695 annual fee, and minimal bonus categories

Read more: The Platinum Card® from American Express review

How to Choose the Best Travel Credit Card

While it takes more effort to redeem points or miles compared to cash back, the upside is that you can get much more value for your points compared to simply cashing in your rewards for a statement credit or check at a rate of 1 cent per point.

In fact, it's possible to receive double, triple, or even more than that amount when you're strategic about how you redeem your rewards, particularly if you book expensive luxury hotels or first-class flights. 

In this guide, we've focused mostly on the best travel credit cards that earn transferable points. Transferable points include popular currencies such as:

  • Amex Membership Rewards
  • Chase Ultimate Rewards
  • Citi ThankYou Rewards
  • Capital One miles

You can transfer these points to both airline and hotel partner loyalty programs. You can even redeem your points to offset the cash price of your travel at a flat rate.

Travel Credit Card Frequently Asked Questions

If you want a single credit card that does it all and don't mind paying a generous annual fee, the Chase Sapphire Reserve® is a great choice. It comes with the best travel insurance available on the market, as well as a $300 travel credit each year that can be used on most types of travel.

The best travel credit card overall is the Chase Sapphire Preferred® Card, but the best card for your particular situation will depend on what benefits you care about the most, as well as how you feel about paying a high annual fee. 

We'd recommend opening a travel card that earns Amex or Chase points, because these are among the easiest rewards to redeem and you have various travel partners to utilize. But if you've investigated your options and are confident that you can get value out of their rewards, credit cards that earn Capital One miles or Citi ThankYou points can make sense as well.

There are two main types of travel credit cards: Cards that earn transferable points, and airline/hotel co-branded credit cards. Transferable points currencies include Amex Membership Rewards points, Capital One miles, and Chase Ultimate Rewards points.

Airline credit cards and hotel credit cards earn points or miles within a respective hotel or airline program; you don't have the option to redeem your rewards with a wide variety of travel partners (or if you do, the transfer ratio usually isn't great).

To pick the right travel credit card for you, you'll want to evaluate its welcome bonus offer, ease of use, benefits, and annual fee. The best one for you will ideally have a combination of an attractive sign-up bonus , lots of options for earning and redeeming rewards, benefits that save you money, and a low or no annual fee.

Travel credit cards with annual fees are worth it if you're able to get significant value out of their benefits and rewards. Before you apply for a card , make sure you'll actually use all the features that contribute to the card's annual fee. For example, if a card offers an annual statement credit of up to $200 toward travel but you can't use it, you're probably not getting what you pay for.

Travel credit cards work by earning you points (or miles) on every purchase you make, with the goal of helping you earn enough rewards to book free travel . The best travel cards earn points that you can transfer to various airline and hotel partners — like Amex, Chase, or Citi points. 

A great way to work toward getting a free flight is by applying for a travel credit card and earning its welcome bonus offer. Domestic award flights in economy class typically require about 25,000 points, so depending on the welcome bonus offer, you could have enough rewards for a flight right out of the gate. 

Why You Should Trust Us: How We Chose the Best Travel Credit Cards

Business Insider evaluated dozens of travel credit cards currently available to new applicants and narrowed down the list to the best options based on the following factors:

  • Welcome bonus offer — Do new cardholders get a valuable incentive to sign up and meet a minimum spending requirement?
  • Ongoing rewards — How many points or miles do you earn on your purchases?
  • Benefits — Beyond rewards, does the card offer valuable perks such as statement credits for travel, primary car rental insurance, and airport lounge access?
  • Annual fee — Is there an annual fee, and if so, is it affordable or easy to offset with card perks?
  • Overall value — Does the card justify its annual fee by offering useful benefits and valuable rewards, and is it worth it?

Read our guide to how we rate credit cards for a closer look at our methodology.

best annual travel insurance singapore

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

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

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Gold Card, please click here.

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Nomadic Matt: Travel Cheaper, Longer, Better

The Chase Sapphire Reserve® Review

Nomadic Matt holding his Chase Sapphire Reserve credit card on a backdrop of a marbled kitchen counter

Nomadic Matt has partnered with CardRatings for our coverage of credit card products. Some or all of the card offers on this page are from advertisers and compensation may impact how and where card products appear on the site. Nomadic Matt and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.

The upgraded version of the Chase Sapphire Preferred®, the card_name is my one of my favorite premium cards. It offers a lot of fantastic perks for avid travelers.

While The Platinum Card® from American Express gets all the fanfare in terms of luxury rewards cards , I personally prefer the Chase Sapphire Reserve®. It comes with better points-earning bonus categories; more practical, everyday perks (which I’ll get into below); and more comprehensive travel insurance.

Today, I want to share a bit more about this card so you can determine whether it’s the right card for you.

Table of Contents

What is the Chase Sapphire Reserve®?

Chase sapphire reserve® travel insurance, using your chase ultimate rewards® points, taking advantage of chase’s transfer partners, chase sapphire reserve® vs chase sapphire preferred®, pros of the chase sapphire reserve®, cons of the chase sapphire reserve®, who is the chase sapphire reserve® for.

The card_name (often referred to as CSR) is a travel rewards card issued by Chase. The card comes with a $550 USD annual fee and a host of benefits like lounge access, travel insurance, and an array of statement credits. When used right, these benefits can be worth much more than the annual fee.

One of those benefits is a $300 USD annual travel credit that is very easy to get, effectively reducing the annual fee to a more reasonable $250 USD. You don’t need to do anything extreme to receive this benefit either; the first $300 USD per year that you spend on travel is simply erased from your statement.

Chase also has a very broad definition of what it classifies as travel, making it easy to take advantage of this credit (even parking garages count towards it). According to Chase, they classify travel purchases as including:

“airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.”

So, the first $300 USD of purchases you make in any of these categories will be removed from your statement, and after that, you’ll earn 3x points on these purchases.

And that’s just one benefit of the card. With this card, you can earn:

  • bonus_miles_full
  • $300 annual travel credit
  • 3x points on travel (earned after earning your $300 annual travel credit)
  • 3x points on dining, including eligible delivery services and takeout
  • 5x points on flights when booked through Chase Travel(SM)
  • 10x points on hotels and rental cars when booked through Chase Travel(SM) after the first $300 is spent on travel purchases annually
  • Get 50% more value when you redeem your points for travel through Chase Travel(SM)
  • 10x points on Lyft + 2-year Lyft Pink membership
  • Priority Pass Membership (one-time enrollment required) and access to Sapphire Lounges by The Club
  • Up to $100 credit toward Global Entry or TSA Pre-Check every 4 years
  • 1 year of complimentary Instacart+ membership (includes up to $15 in statement credits each month through July 2024)
  • Complimentary DashPass membership (includes $5 in DoorDash credits each month)
  • Travel insurance including emergency medical and dental coverage, emergency evacuation insurance, trip delay coverage, primary car rental insurance, lost luggage reimbursement, and trip cancellation insurance
  • No foreign transaction fees

The card_name also offers the most comprehensive travel insurance out of any credit card and is one of the only ones to include any kind of medical insurance. It’s my top pick as the best credit card for travel insurance .

As a Visa Infinite® card, the card’s travel insurance includes the following:

  • Primary car rental insurance up to $75,000 USD
  • Travel accident insurance up to $1,000,000 USD
  • Trip cancelation/interruption coverage up to $10,000 USD per person and $20,000 USD per trip
  • Trip delay coverage of $500 USD after delays of six hours or more
  • Lost luggage coverage up to $3,000 USD
  • $100 per day for up to five days if your baggage is delayed
  • Emergency medical and dental coverage up to $2,500 USD for treatment (minus a $50 USD deductible)
  • Emergency evacuation insurance up to $100,000 USD

While I always recommend purchasing a separate travel insurance policy , having coverage through your credit card is an added benefit that you get at no additional cost.

With this card, you’ll earn Chase Ultimate Rewards® points. You can use those points like you would any other rewards program: to get cash back, book travel directly, or transfer them to travel partners. You can also redeem them for Amazon or Apple purchases, but these are bad redemption values and I would not recommend using points this way.

The easiest option is to redeem your points for travel in the Chase Travel portal, which works like booking through Expedia or any other online travel agency. When you do this, you’re basically using your points as cash, at a value of 1.5 cents per point. So, for example, if you have 50,000 points, they’ll be worth 75,000 points when redeemed through the portal. This is a better value than if you simply redeem your points directly as cash, as you’ll only get a value of 1 cent per point that way.

Using your points in the Chase Travel portal is very straightforward, making it an attractive option for points and miles newbies . If this is the only way that you’ll use your points, then using them is better than letting them sit around!

Just know that there are pros and cons to using the travel portal. Namely, you can usually get more for your points when you transfer them to Chase’s 14 transfer partners (which is what you should be doing with your points).

The ability to transfer to its partners is what makes Chase Ultimate Rewards® points so valuable. You can usually find airline and hotel redemptions where you can get much more than 1.5 cents per point. While the actual value you can get varies greatly based on flight or hotel, a good benchmark is The Points Guy’s monthly valuation chart , which values Chase Ultimate Rewards® points at over 2 cents per point when used as transferable points.

To give a real-life example, the 50,000 points from the example above could be an off-peak, round-trip economy fare from New York to Paris when redeemed through the Chase Travel portal. But if you transfer points to one of Chase’s partner airlines, you can take advantage of flash deals and saver space, potentially finding the same fare for up to 50% less points. Unless it’s a super cheap flight or hotel room (less than $150 USD), I always transfer points to their travel partners, especially when booking business class flights or fancy hotel rooms. You just get more bang for your buck.

Transferring to airline and hotel partners is a bit more work than using the portal, but there are more tools than ever to help you maximize your points. For example, you can use point.me for finding flights with points and Awayz for finding award hotel stays.

Chase’s current transfer partners are:

Airline Transfer Partners:

  • Aer Lingus, AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards®
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Club

Hotel Travel Partners:

  • IHG® Rewards Club
  • Marriott Bonvoy®
  • World of Hyatt®

By this point, you might be wondering what makes this card different from its sibling, the Chase Sapphire Preferred® . Both cards currently have the same welcome offer. Both also earn 3x points on dining. You also get travel insurance with both cards, though the insurance offered with the Reserve is much more comprehensive.

Given all that, is the Reserve really worth the higher annual fee?

Ultimately, that’s up to you to decide based on your spending, travel habits, and whether you value the Reserve’s extra perks and benefits. But keep in mind that the real difference in cost between these two cards is only $155 USD per year. Sure, that’s considering the $300 USD annual travel credit on the Reserve, but I’m guessing that anyone thinking of getting a travel rewards card spends at least $300 USD on travel per year. And if you do, you’re likely to come out ahead with the Chase Sapphire Reserve® due to the ability to earn points faster, use statement credits, and take advantage of luxury perks like airport lounge access.

Here’s a quick cheat sheet of the main differences:

  • Great rewards-earning rates
  • Large welcome offer
  • $300 USD travel credit
  • 14 fantastic transfer partners
  • Excellent travel insurance
  • Statement credit for Global Entry/TSA Precheck (up to $100, every 4 years)
  • Airport lounge access through Priority Pass membership (enrollment required) and access to Sapphire lounges
  • Complimentary memberships (including Lyft Pink, DashPass, InstaCart)
  • Large annual fee ($550 USD per year)
  • $75 USD authorized user fee

This card is best for frequent travelers. If you get this card, you’ll want to be able take advantage of the card’s accelerated earning rates on travel and dining, travel statement credits, and other travel-specific benefits. You’ll get even more out of this card if you value perks like airport lounge access and expediting your airport experience through Global Entry/TSA Precheck, and will transfer your points to one of Chase’s transfer partners.

If you’re only a semi-regular traveler, you might be better served by the Chase Sapphire Preferred®. This comprehensive review has everything you need to know about that card .

The card_name is one of the best travel rewards cards out there. It comes with a high welcome offer, lots of perks, and robust points-earning capabilities so that you can quickly stack up valuable Chase Ultimate Rewards points. You get a ton of value with this card. I think it’s worth a spot in the wallet of any frequent traveler.

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

  • SafetyWing (best for everyone)
  • Insure My Trip (for those 70 and over)
  • Medjet (for additional evacuation coverage)

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Credit cards > Reviews

Chase Sapphire Preferred review 2024: A traveler’s delight packed with perks at a low annual fee 

Ariana Arghandewal

Glen Luke Flanagan

Glen Luke Flanagan

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 1:16 p.m. UTC May 13, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

The Chase Sapphire Preferred® Card offers generous rewards on travel and dining and a straightforward redemption program. It’s an excellent choice for both frequent and aspiring travelers looking to maximize their everyday spending.

Editor’s Note: This article contains updated information from a previously published story .

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 50+ cards analyzed.
  • 8 data points considered.
  • 5-step fact-checking process.

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

  • Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
  • $50 annual statement credit toward Chase Travel hotel bookings.
  • Valuable travel protections.
  • $95 annual fee.
  • Category bonuses are limited and not competitive against other travel cards.
  • Transfer partner list is limited compared to programs like Amex Membership ® Rewards and Citi ThankYou ® .

Card details

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Chase Sapphire Preferred basics

  • Annual fee: $95.
  • Welcome bonus: 75,000 points after spending $4,000 on purchases in the first three months of account opening.
  • Rewards: 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchasess.
  • APR: 21.49% to 28.49% variable APR on purchases and balance transfers.
  • Other perks and benefits: $50 annual Chase Travel hotel credit, six months Instacart+ subscription, complimentary DoorDash DashPass subscription for a year.
  • Does the issuer offer a preapproval tool? Yes.
  • Recommended credit score : Good to excellent.
  • Generous category bonuses: The Sapphire Preferred earns 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
  • Excellent redemption options: The card earns Chase Ultimate Rewards® points , which you can transfer to more than a dozen airline and hotel options. They include Hyatt, United, JetBlue and others. Alternatively, you can redeem points for travel through the Chase Travel portal at 1.25 cents each. 
  • Valuable travel benefits: The Sapphire Preferred offers a $50 annual hotel credit when booked through Chase Travel. The card also offers valuable travel protections including trip cancellation/interruption insurance, trip delay reimbursement, primary rental car insurance and baggage delay insurance.
  • $95 annual fee: The Sapphire Preferred’s $95 annual fee is reasonable for what the card offers, but cardholders should analyze the value they’re likely to get from the Sapphire Preferred’s rewards and benefits to ensure they’re getting their money’s worth.
  • No elite travel perks. The card doesn’t offer benefits found on some other, more premium travel credit cards like airport lounge access , hotel perks or trusted traveler application fee credits.
  • Chase 5/24 rule: The card is subject to Chase’s 5/24 rule . If you’ve opened five or more credit cards in the last 24 months with any issuer, you’re not eligible for this card.

About the Chase Sapphire Preferred

The Chase Sapphire Preferred Card is one of the most popular travel rewards cards on the market for good reason. It earns simple and generous rewards on dining and also on travel booked through the Chase Travel site. Plus it comes with valuable perks and benefits, all in a relatively low $95 annual fee package.

The card earns 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. Ultimate Rewards are flexible and can be redeemed for cash back, merchandise or gift cards. But savvy points-and-miles pros know that the more valuable use is to redeem points for travel through Chase at a rate of 1.25 cents per point or transfer them to one of Chase’s travel loyalty partners at a rate of 1:1.

There are no foreign transaction fees with this card, making it a great choice for international travelers. Plus, the card also comes with a wide array of benefits unique to a card at this price point, like trip cancellation/interruption insurance, primary car rental insurance , purchase protection and extended warranty coverage.

One potential drawback with this card is that you must have good credit to be approved, so if your credit score isn’t up to par, you may not qualify. And, someone seeking luxury perks at the airport may find that the card’s lack of lounge access or trusted traveler credits might mean it’s worth it to pay for a more premium travel credit card with those features. But for those getting started with travel rewards and those who don’t need the privileges that a more expensive credit card can offer, the Chase Sapphire Preferred is a top-notch choice.

The Chase Sapphire Preferred Card earns points at generous rates: 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.

There’s also a welcome bonus of 75,000 points after spending $4,000 on purchases in the first three months of account opening. The rewards you earn are flexible Chase Ultimate Rewards points.

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for the Sapphire Preferred has an annual income of $84,352 and $25,087 in expenses they are likely to be able to charge to a credit card. Here’s a breakdown of how much you could earn from credit card spending based on that:

You could earn even more by booking your flights and hotel stays through the Chase travel portal. In that case, the $2,056 spent on such bookings, minus the $50 hotel credit would net you 10,030 points. That brings the total annual estimated earnings to 51,699 points.

Points can be redeemed for statement credits, travel through the Chase Travel portal, gift cards and merchandise. When redeemed through the Chase Travel portal for travel bookings, points are worth 1.25 cents each. However, the best value for your points will generally be to transfer them to one of Chase’s airline and hotel partners and  book award travel through the partner’s loyalty program.

Be aware, travel booked through the Chase portal is not the same as booking directly with an airline or hotel, and any changes or cancellations to your plans will require you to deal with Chase Travel and not the supplier directly. 

Especially considering this is a mid-tier travel card with a reasonable annual fee, the Chase Sapphire Preferred is loaded with travel benefits . First up, you can get up to $50 in statement credits each account anniversary year to reimburse hotels booked through Chase Travel. Plus, the welcome bonus is fairly generous for a card at this price point.

You also get the following travel protections when using this card:

  • Trip cancellation and interruption insurance up to $10,000 per person and $20,000 per trip.
  • Baggage delay insurance up to $100 per day for five days on delays over six hours.
  • Trip delay insurance up to $500 per ticket on delays over 12 hours or requiring an overnight stay.
  • Primary car rental insurance when you decline the rental company’s coverage.
  • Referrals for legal, medical and other travel and emergency assistance (you are responsible for any costs incurred).

Last, but certainly not least, you can book travel for 25% more value per point through the Chase portal, or transfer rewards 1:1 to the following partners:

  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Emirates Skywards®
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • IHG One Rewards
  • JetBlue TrueBlue
  • Marriott Bonvoy
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • World of Hyatt

How the Chase Sapphire Preferred compares to other travel cards

Chase sapphire preferred vs. chase sapphire reserve®.

The Sapphire Preferred and Sapphire Reserve are both travel cards from Chase with generous rewards and benefits. Like the Preferred, the Reserve offers a generous welcome bonus: 75,000 points after spending $4,000 on purchases in the first three months of account opening.

The main difference between them is the annual fee and the benefits that come with the price point — the Preferred has a $95 annual fee, while the Reserve has an annual fee of $550 and $75 per authorized user. The Sapphire Reserve also offers more rewards per dollar spent on travel and dining purchases and an up to $300 annual travel credit. Additionally, the Reserve offers access to airport lounges, while the Preferred does not.

Chase Sapphire Preferred vs. Citi Strata Premier℠ Card * The information for the Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Citi Strata Premier and the Chase Sapphire Preferred have the same $95 annual fee. The Strata Premier comes with a welcome bonus of 75,000 points after spending $4,000 on purchases in the first three months of account opening. However, the two travel cards have different strengths. The Citi Strata Premier earns 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations and 1 point per $1 on other purchases. 

While this rewards structure is similar to that of the Sapphire Preferred, not all of the travel earning rate is restricted to a specific booking portal like the Sapphire Preferred is. The Citi Strata Premier also provides a $100 annual hotel savings perk on bookings of $500 or more (before taxes and fees when booking through ThankYou.com, once each calendar year) – it’s higher than what the Sapphire Preferred offers but also has a higher spending threshold. Citi also has more travel transfer partners than Chase.

Chase Sapphire Preferred vs. Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Charging the same $95 annual fee, the Capital One Venture Rewards Credit Card offers a welcome bonus: 75,000 miles after spending $4,000 on purchases in the first three months of account opening. The card earns 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases, making it ideal if you want a simple rewards card with a straightforward earn structure. 

You can transfer Capital One miles to multiple airline and hotel programs or redeem them for travel at 1 cent each. The Capital One Venture Card also offers premium perks like two complimentary Capital One lounge visits per year, an up to $100 Global Entry or TSA PreCheck credit every four years and no foreign transaction fees.

Should you get the Chase Sapphire Preferred?

The Chase Sapphire Preferred is a great option for those who want a card with a reasonable annual fee that earns bonus rewards on travel, dining and certain everyday spending categories. The card provides access to earning Chase Ultimate Rewards — widely considered one of the best credit card rewards programs, thanks to its flexible redemption options — and comes with some valuable travel and purchase protections, too. 

You can transfer points 1:1 to partner airlines and hotels or redeem them directly with Chase at a favorable rate. However, this card might not be the best fit if you won’t use its perks or won’t spend enough to make up for the $95 annual fee in rewards earned.

Chase Sapphire Preferred summary

Methodology

Our credit cards team has spent hours analyzing hundreds of travel credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. We factored the following into our analysis:

  • Annual fees.
  • Travel reward rates.
  • Value of rewards.
  • Redemption options.
  • Additional benefits that a card may offer for travelers, such as travel insurance.

Frequently asked questions (FAQs)

The Chase Sapphire Preferred is considered a midrange card, due to its $95 annual fee and the benefits it provides. It offers bonus points for travel purchases and on various everyday spending categories, no foreign transaction fees, travel protections and flexible rewards redemption options.

Chase has not published an income requirement for the Sapphire Preferred. When reviewing your application, Chase considers your credit score, history and ability to repay debt.

Chase has not publicly disclosed the credit score requirements for the Chase Sapphire Preferred card. However, most applicants will need good-to-excellent credit to be approved. A good credit score is defined by FICO as 670 to 739, while an excellent score is 800 and higher. You’ll have a much better chance of approval if your credit score is at least a 700.

Chase Ultimate Rewards points can be redeemed for a variety of rewards, including cash back, gift cards and merchandise. Points can also be transferred 1:1 to more than a dozen airline and hotel loyalty programs. Additionally, points on your Sapphire Preferred account can be used to book travel through Chase Travel at a value of 1.25 cents each.

The Chase Sapphire Preferred is worth the annual fee if you use the benefits and spend in the rewards categories. The welcome bonus alone is worth much more than the annual fee, but after the first year, you’ll need to evaluate the other benefits. For example, if you use the $50 hotel credit (valid on Chase Travel bookings) and earn at least 4,500 points (worth $45 in cash back) from the category bonuses, you’ll break even with the $95 annual fee.

*The information for the Capital One Venture Rewards Credit Card and Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ariana Arghandewal

Ariana Arghandewal is a travel hacker and travel rewards expert who leverages credit cards to earn over a million miles every year. She is the founder of Pointchaser, an award-winning blog where she covered rewards travel and credit cards since 2012.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

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    The cost of annual travel insurance in Singapore can vary, depending on your age, the extent of your stay overseas, level of coverage or any ongoing promotions that the insurer has. But you can generally expect to pay anywhere between $500 to $3,000 (in SGD) for global coverage.

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    Sompo's two travel insurance plans can be characterised as providing middle of the market, balanced protection in most, if not all coverage areas and below-average prices. 4.2/5.0. ValueChampion Rating. Personal Accident Coverage. Trip Delay Coverage. Baggage Delay Coverage.

  17. Why an Annual Travel Plan?

    The individual trip limit is 90 days cover for an unlimited number of trips in any one policy year. With our Ultimate Annual Plan you'll be covered for: up to $1,000,000 in Overseas Medical and Accidental Expenses. up to $2,000,000 per policy for Personal Liability. up to $15,000 for Journey Cancellation. You can also claim up to $1,000 if ...

  18. The 5 Cheapest Travel Insurance Companies Of June 2024

    Singapore Travel Insurance ; ... Consider Buying an Annual Travel Insurance Policy. ... Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. Among the plans that ...

  19. Annual Travel Insurance l American Express Singapore

    My Travel Insurance offers worldwide COVID-19 cover for overseas medical expenses of up to S$200,000, overseas quarantine benefit, travel cancellation and more. You are also covered for medical expenses incurred after your return to Singapore

  20. How to choose the best travel policy for your family

    One option is TravellerShield Plus, which is distributed by DBS and underwritten by Chubb Insurance Singapore Limited. TravellerShield Plus offers pre-existing conditions coverage as an add-on for those who require it. Chubb is one of the global leaders in the provision of travel insurance products and services, and has been present in ...

  21. Best Travel Insurance Plans Singapore

    The following travel insurance plans offer some of the highest travel inconvenience coverages: Insurer. Claim Limit for Inconveniences. Insurer A. $15,000 trip cancellation, $5,000 lost baggage. Insurer B. $15,000 trip cancellation, $7,500 lost baggage. Insurer C. $20,000 trip cancellation, $8,000 lost baggage.

  22. Buying Travel Insurance In Singapore: Tips & Things To Know

    It will be cheaper in the long run and more convenient because you won't have to remind yourself to buy insurance every time you travel. For example, an annual worldwide travel insurance plan from FWD costs $345.10, with coverage for a maximum to 90 days per trip. Similar worldwide coverage for a 90-day single trip costs $327. Buying a family ...

  23. Best Travel Credit Cards of June 2024

    Best no-annual-fee travel credit card: ... Singapore Airlines, and Wyndham. ... It comes with the best travel insurance available on the market, as well as a $300 travel credit each year that can ...

  24. Best Travel Insurance In Singapore 2024

    SingSaver's Online Travel Insurance Top Picks of 2024. Whether you're travelling for business or pleasure, travel insurance is an important safeguard providing comprehensive protection against any minor or major mishaps that might occur on your trip. It ensures you're compensated for any unexpected events, from health issues to last-minute cancellations, offering specific coverage that's ...

  25. The Chase Sapphire Reserve® Review

    The card_name (often referred to as CSR) is a travel rewards card issued by Chase. The card comes with a $550 USD annual fee and a host of benefits like lounge access, travel insurance, and an array of statement credits. When used right, these benefits can be worth much more than the annual fee. One of those benefits is a $300 USD annual travel ...

  26. Best Travel Insurance Comparison Site in Singapore 2023

    Single Trip Travel Insurance covers you for a single trip that originates and ends in Singapore. Annual Travel Insurance covers you for all trips starting and ending in Singapore. Each trip generally should be for less than 180 days. You should consider buying Annual Travel Insurance if you travel frequently (more than 3 to 5 times a year).

  27. Chase Sapphire Preferred Credit Card review 2024

    Cons. $95 annual fee: The Sapphire Preferred's $95 annual fee is reasonable for what the card offers, but cardholders should analyze the value they're likely to get from the Sapphire Preferred ...