Ultra-premium credit cards, such as the Chase Sapphire Reserve and American Express Platinum Card®, have annual fees that commonly exceed $500/year. Despite those hefty costs of ownership, these types of cards can be very popular in the points and miles community due to extensive lists of benefits and credits that can mitigate or completely offset those fees.
Travel protections are one of the perks provided by these cards. In some cases, these benefits can meet or even exceed those offered by paid-for travel insurance, resulting in significant savings for those who would usually purchase it.
Below, you’ll find a summary of credit card travel protections provided by various ultra-premium travel cards, including Amex Platinum, BOA Atmos Rewards Summit, BOA Premium Rewards Elite, Capital One Venture X, Chase Sapphire Reserve, Citi AA Executive, Citi Strata Elite, US Bank Altitude Reserve, and Wells Fargo Premier Autograph Visa Infinite.
Credit card travel insurance overview
As you’ll see below, Chase continues to lead the field with the best automatic travel protections. Chase’s Sapphire Reserve and Ritz-Carlton cards offer the same excellent travel protections. They’re the only cards in the roundup that provide emergency medical and dental coverage, and no-fee roadside assistance. Additionally, Chase and Citi stand out in offering worldwide rental car coverage (they don’t exclude select countries).
Meanwhile, Amex’s ultra-premium cards (Platinum, Bonvoy Brilliant, Delta Reserve, Hilton Aspire) offer a killer feature: uncapped Emergency Evacuation and Transportation, even if you don’t pay for your travel with your Amex card. Unfortunately, Amex lacks several travel protections that other banks commonly offer. If cost were no object, the ideal combination would be to pay for travel with your Chase Sapphire Reserve or Ritz card, but also to have a qualifying Amex card in case you need more than $100,000 worth of emergency evacuation and transportation ($100K is Chase’s cap to that benefit).
Bank of America’s ultra-premium travel protections are probably second to Chase’s. Like Chase, BOA offers 6-hour baggage delay coverage and $100K Emergency Evacuation. Unfortunately, BOA’s Trip Cancellation and Interruption coverage is limited to only $2,500.
The following chart summarizes travel protections provided by each ultra-premium card:
| Card | Primary Auto CDW | Road-side Assist | Trip Cancel | Trip Delay | Lost Bags | Bag Delay | Travel Acc. Ins. | Emerg Evac | Emerg Med & Dental |
|---|---|---|---|---|---|---|---|---|---|
| Amex Platinum1 | ❌ No (3) |
❌ N/A |
✅ $10K |
✅ 6 Hour |
✅ Yes |
❌ N/A |
❌ N/A |
✅ No Limit |
❌ N/A |
| Bonvoy Brilliant | |||||||||
| Delta Reserve1 | |||||||||
| Hilton Aspire | |||||||||
| BOA Atmos Rewards Summit |
✅ Yes |
❌ N/A |
✅ $2.5K |
✅ 6 Hour |
✅ Yes |
✅ 6 Hour |
✅ Yes |
✅ $100K |
❌ N/A |
| BOA Premium Rewards Elite |
|||||||||
| Capital One Venture X1 | ✅ Yes |
❌ N/A |
✅ $2K |
✅ 6 Hour |
✅ Yes |
❌ N/A |
✅ Yes |
❌ N/A |
❌ N/A |
| Chase Sapphire Reserve1 | ✅ Yes (2) |
✅ 4X / Year |
✅ $10K |
✅ 6 Hour |
✅ Yes |
✅ 6 Hour |
✅ Yes |
✅ $100K |
✅ $2.5K |
| Ritz-Carlton | |||||||||
| Citi AA Executive | ❌ No (4) |
❌ N/A |
✅ $5K |
✅ 6 Hour |
✅ Yes |
❌ N/A |
❌ N/A |
❌ N/A |
❌ N/A |
| Citi Strata Elite | |||||||||
| US Bank Altitude Reserve | ✅ Yes |
❌ N/A |
✅ $2K |
✅ 6 Hour |
✅ Yes |
❌ N/A |
✅ Yes |
✅ $10K |
❌ N/A |
| Wells Fargo Premier Autograph |
✅ Yes (2) |
❌ N/A |
✅ $15K |
✅ 6 Hour |
✅ Yes |
❌ N/A |
✅ Yes |
❌ N/A |
❌ N/A |
- The business versions of these cards offer similar protections
- Rental car coverage is secondary when renting within the United States for New York state residents who also have a personal car insurance policy.
- Amex does offer primary coverage, but you must pay an additional fee for it. Details here.
- Coverage is primary only outside of your country of residence
Benefit Guides
For detailed information about the protections available with each card, it’s necessary to consult each card’s Guide to Benefits:
- American Express:
- Amex Benefit Directory
- Premium Global Assist (this is where Emergency Medical Evacutation coverage is detailed)
- BOA Atmos Rewards Summit Visa Infinite
- BOA Premier Rewards Elite (note: this link was provided by a reader — I can’t vouch for its accuracy)
- Bank of America provides high-level information here.
- Capital One Venture X
- Chase Sapphire Reserve
- Chase Ritz-Carlton
- Citi / AAdvantage Executive World Elite Mastercard
- Citi Strata Elite
- US Bank Altitude Reserve
- Wells Fargo Premier Autograph Visa Infinite®
Summary by insurance coverage type
Each table below summarizes the benefits available with each card. For each type of coverage, I’ve listed whether you must pay for travel with the card to receive coverage. In most cases, it is acceptable to pay with points rather than directly with the credit card (e.g., you can pay with Ultimate Rewards points for Sapphire Reserve coverage, Membership Rewards points for Amex Platinum coverage, or AA miles for Citi AA Executive coverage).
Auto Rental Collision Damage Waiver
The following chart summarizes rental car protections provided by each ultra-premium card:
| Card | Primary? | Amount required to pay w/ card (or associated points) | Where coverage is not available |
|---|---|---|---|
| Amex Platinum1 | No3 | 100% | Australia, Italy, New Zealand |
| Bonvoy Brilliant | |||
| Delta Reserve1 | |||
| Hilton Aspire | |||
| BOA Atmos Rewards Summit | Yes | 100% | Israel, Jamaica, the Republic of Ireland, Northern Ireland |
| BOA Premium Rewards Elite | |||
| Capital One Venture X1 | Yes | 100% | Israel, Jamaica, the Republic of Ireland, Northern Ireland |
| Chase Sapphire Reserve1 | Yes2 | 100% | Coverage is available worldwide |
| Ritz-Carlton | |||
| Citi AA Executive | Only outside your country of residence | 100% | Coverage is available worldwide |
| Citi Strata Elite | |||
| US Bank Altitude Reserve | Yes | 100% | Israel, Jamaica, the Republic of Ireland, Northern Ireland |
| Wells Fargo Premier Autograph |
Yes2 | 100% | Israel, Jamaica, the Republic of Ireland, Northern Ireland |
- The business versions of these cards offer similar protections. With the Sapphire Reserve for Business card, coverage in the U.S. is primary only if the rental vehicle is for commercial/business purposes. With the Venture X Business card, coverage depends on renting “primarily for business purposes.”
- Rental car coverage is secondary when renting within the United States for New York state residents who also have a personal car insurance policy.
- Amex does offer primary coverage, but you must pay an additional fee for it. Details here.
Roadside Assistance
The following chart summarizes roadside assistance (Towing, jump-start, tire change, lockout service, fuel delivery) offered by each ultra-premium card. We didn’t include cases where cards offer a roadside assistance dispatch service, but without providing any reduction in the fee for the actual roadside service.
| Card | Limits | Amount required to pay w/ card | Amount charged per use if within limits |
|---|---|---|---|
| Amex Platinum1 | N/A | N/A | N/A |
| Bonvoy Brilliant | |||
| Delta Reserve1 | |||
| Hilton Aspire | |||
| BOA Atmos Rewards Summit |
N/A | N/A | N/A |
| BOA Premium Rewards Elite |
|||
| Capital One Venture X1 | N/A | N/A | N/A |
| Chase Sapphire Reserve1 | $50 per service; max 2 gallon fill-up, 4X per year; | None | $0 |
| Ritz-Carlton | |||
| Citi AA Executive | N/A | N/A | N/A |
| Citi Strata Elite | |||
| US Bank Altitude Reserve | N/A | N/A | N/A |
| Wells Fargo Premier Autograph |
N/A | N/A | N/A |
- The business versions of these cards offer the same protections
Trip Cancellation and Interruption
| Card | Limit per person, per trip | Max per trip | Amount required to pay w/ card (or associated points) |
|---|---|---|---|
| Amex Platinum1 | $10K | $10K | Amex covers round-trip travel paid “in full” with their card, but “in full” includes paying full award taxes and fees or paying with Amex points for travel. |
| Bonvoy Brilliant | |||
| Delta Reserve1 | |||
| Hilton Aspire | |||
| BOA Atmos Rewards Summit |
$2,500 | $2,500 | Entire fare less redeemable certificates, vouchers, or coupons |
| BOA Premium Rewards Elite |
|||
| Capital One Venture X1 | $2K | $2K per Person | Entire fare less redeemable certificates, vouchers, or coupons |
| Chase Sapphire Reserve1 | $10K | $20K | Any part, but will only reimburse up to the amount paid |
| Ritz-Carlton | |||
| Citi AA Executive | $5K | $5K | Any part, but will only reimburse up to the amount paid |
| Citi Strata Elite | |||
| US Bank Altitude Reserve | $2K | $2K | Entire fare less redeemable certificates, vouchers, or coupons |
| Wells Fargo Premier Autograph |
$15K | $20K per 12 Months | Entire cost of the Covered Traveler’s Trip less redeemable certificates, vouchers, or coupons |
- The business versions of these cards offer the same protections
Trip Delay Reimbursement
| Card | # hours delay required | Max coverage per person per trip | Amount required to pay w/ card (or associated points) |
|---|---|---|---|
| Amex Platinum1 | 6 | $500 | Amex covers round-trip travel paid “in full” with their card, but “in full” includes where you pay full award taxes and fees or when you pay with Amex points for travel. |
| Bonvoy Brilliant | |||
| Delta Reserve1 | |||
| Hilton Aspire | |||
| BOA Atmos Rewards Summit |
6 | $500 | A portion of the Common Carrier fare |
| BOA Premium Rewards Elite |
|||
| Capital One Venture X1 | 6 | $500 | A portion of the Common Carrier fare |
| Chase Sapphire Reserve1 | 6 | $500 | Any part of common carrier transportation |
| Ritz-Carlton | |||
| Citi AA Executive | 6 | $500 | A portion of the Common Carrier fare |
| Citi Strata Elite | |||
| US Bank Altitude Reserve | 6 | $500 | A portion of the Common Carrier fare |
| Wells Fargo Premier Autograph |
6 | $300 per day | Entire cost of the Covered Traveler’s Common Carrier fare less redeemable certificates, vouchers, or coupons |
- The business versions of these cards offer the same protections
Lost Luggage Reimbursement
| Card | Max coverage per person per trip | Amount required to pay w/ card (or associated points) |
|---|---|---|
| Amex Platinum1 | $3K ($2K for checked bags) |
Full cost of transportation |
| Bonvoy Brilliant | ||
| Delta Reserve1 | ||
| Hilton Aspire | ||
| BOA Atmos Rewards Summit |
$3K3 | Purchase a portion of the Covered Trip |
| BOA Premium Rewards Elite |
||
| Capital One Venture X1 | $3K | Purchase a portion of the Covered Trip |
| Chase Sapphire Reserve1 | $3K | Any part of common carrier transportation |
| Ritz-Carlton | ||
| Citi AA Executive | $3K3 | A portion of the Common Carrier fare |
| Citi Strata Elite | ||
| US Bank Altitude Reserve | $3K2 | Purchase a portion of the Covered Trip |
| Wells Fargo Premier Autograph |
$3K3 | Entire cost of the Covered Traveler’s Common Carrier fare less redeemable certificates, vouchers, or coupons. |
- The business versions of these cards offer the same protections
- Lesser of the following three amounts: the original purchase price of the item(s), the actual cash value of the item(s) at the time of theft or misdirection (with appropriate deduction for depreciation), and the cost to replace the item(s).
- $2K per bag for NY residents
Baggage Delay Reimbursement
| Card | # hours delay required | Max coverage per person per trip | Amount required to pay w/ card (or associated points) |
|---|---|---|---|
| Amex Platinum1 | N/A | N/A | N/A |
| Bonvoy Brilliant | |||
| Delta Reserve1 | |||
| Hilton Aspire | |||
| BOA Atmos Rewards Summit |
6 | $500 ($100 per day) | Any portion of the cost of the Trip |
| BOA Premium Rewards Elite |
|||
| Capital One Venture X1 | N/A | N/A | N/A |
| Chase Sapphire Reserve1 | 6 | $500 ($100 per day) | Any part of common carrier transportation |
| Ritz-Carlton | |||
| Citi AA Executive | N/A | N/A | N/A |
| Citi Strata Elite | |||
| US Bank Altitude Reserve | N/A | N/A | N/A |
| Wells Fargo Premier Autograph |
N/A | N/A | N/A |
- The business versions of these cards offer the same protections
Travel Accident Insurance
| Card | Max coverage per person per trip | Amount required to pay w/ card (or associated points) |
|---|---|---|
| Amex Platinum1 | N/A | N/A |
| Bonvoy Brilliant | ||
| Delta Reserve1 | ||
| Hilton Aspire | ||
| BOA Atmos Rewards Summit |
$1M | Entire cost of the passenger fare, less redeemable certificates, vouchers, or coupons |
| BOA Premium Rewards Elite |
||
| Capital One Venture X1 | $1M | Entire common carrier fare |
| Chase Sapphire Reserve1 | $1M | Any part of common carrier transportation |
| Ritz-Carlton | ||
| Citi AA Executive | N/A | N/A |
| Citi Strata Elite | ||
| US Bank Altitude Reserve | $500K | Entire common carrier fare |
| Wells Fargo Premier Autograph |
$1M | Entire cost of Your Common Carrier fare less redeemable certificates, vouchers, or coupons |
- The business versions of these cards offer the same protections
Emergency Evacuation and Transportation
| Card | Max coverage per person per trip | Amount required to pay w/ card (or associated points) |
|---|---|---|
| Amex Platinum1 | No Limit | None |
| Bonvoy Brilliant | ||
| Delta Reserve1 | ||
| Hilton Aspire | ||
| BOA Atmos Rewards Summit |
$100K | Portion |
| BOA Premium Rewards Elite | ||
| Capital One Venture X1 | N/A | N/A |
| Chase Sapphire Reserve1 | $100K | Any part of trip |
| Ritz-Carlton | ||
| Citi AA Executive | N/A | N/A |
| Citi Strata Elite | ||
| US Bank Altitude Reserve | $10K | Purchase either a portion or the entire cost of the Covered Trip |
| Wells Fargo Premier Autograph |
N/A | N/A |
- The business versions of these cards offer the same protections
Emergency Medical and Dental
| Card | Max coverage per person per trip | Amount required to pay w/ card (or associated points) |
|---|---|---|
| Amex Platinum1 | N/A | N/A |
| Bonvoy Brilliant | ||
| Delta Reserve1 | ||
| Hilton Aspire | ||
| BOA Atmos Rewards Summit |
N/A | N/A |
| BOA Premium Rewards Elite |
||
| Capital One Venture X1 | N/A | N/A |
| Chase Sapphire Reserve1 | $2,500 | Any part of common carrier transportation |
| Ritz-Carlton | ||
| Citi AA Executive | N/A | N/A |
| Citi Strata Elite | ||
| US Bank Altitude Reserve | N/A | N/A |
| Wells Fargo Premier Autograph |
N/A | N/A |
- The business versions of these cards offer the same protections
American Express Platinum Emergency Evacuation and Transportation Coverage
It’s important to note that this coverage is part of the Amex “PREMIUM GLOBAL ASSIST HOTLINE” which is available with Amex’s ultra-premium Amex cards, including Platinum cards, Hilton Aspire, Delta Reserve, Delta Reserve for Business, and Marriott Bonvoy Brilliant.
Detailed information about the hotline’s benefits can be found by clicking here.
There is no requirement to pay for any part of your trip with your Amex card to use this benefit.
Here are some of the relevant terms from the above-linked document:
In the event the Card Member or another Covered Family Member becomes injured or ill while traveling and is seeking medical treatment as a result, the Premium Global Assist Hotline medical department can assess the adequacy of local facilities and the medical need for emergency medical transportation/evacuation. Such emergency medical transportation/evacuation may be provided at no cost if the Premium Global Assist Hotline medical department, after review of the medical information and in consultation with the local medical service provider or facility, determines there is a medical need at
the time of the incident for such transport and such transport is advisable due to the inadequacy of local facilities. To be eligible for emergency medical transportation/evacuation to a more appropriate medical facility, the covered Card Member or Covered Family Member identified above must:• be under the care of a local medical service provider or facility
• authorize the Premium Global Assist Hotline to obtain medical records and
recommendations to determine the medical need and fitness for travel
• complete and return all required documentation for the review of Premium Global
Assist Hotline
• not be traveling against a physician’s advice
• not be traveling with a pre-existing condition*
• not be traveling to seek medical treatment*A pre-existing condition is any sickness, illness, or injury that has manifested itself, become acute, or was being treated in the 60-day period immediately prior to the start of a trip.
If all above criteria are met, Premium Global Assist Hotline will provide the timing and means of emergency medical transportation/evacuation, including medical equipment and supplies and medical personnel to be used in connection with these services. The selection of the Card Member’s (or Covered Family Member’s) final destination for the emergency medical transportation/evacuation from an inadequate medical facility to an adequate medical facility will be made by the Premium Global Assist Hotline.
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I believe the citi strata premier card has primary car rental worldwide.
Thanks for the very useful charts, but what i struggle with is how to build a coherent strategy. Like, let’s say i’ve got a bunch of these cards and have a trip coming up. My instinct is to micromanage to get the highest benefit (bonus or insurance) from every line item. One flight on Amex Plat. Another on Atmos Summit. Airbnb on Ink Preferred. Hotel on CSR. Tour on Savor. Int’l car on Citi Strata Elite. Mid-trip flight on a VX travel credit. All totally optimal on paper.
But then let’s say there’s an insurance-triggering event. Will Amex cover a flight since the return was on the Atmos summit? Will Atmos cover a cancelled airbnb on that CIP? Clearly if something happens, all the resultant spending (which I’ll hope to reimburse thru insurance) should be charged to the card that’s going to be getting the claim (maybe not necessary but seems like a best practice). But it’s the prebooked stuff I’m more dubious about. The other option is to book everything on a single card with good insurance (plat/vx/CSR), and hope that’ll streamline everything, but that’s leaving a lot of points on the table potentially.
If anyone has any experience (with getting insurance on one card to pay for a loss on something booked with another card), please help guide us!
Any chance you add the UBS Infinite and HSBC cards to this? Thanks!
As well as Chase United Club Visa Infinite. Since the Amex Delta Reserve and Citi AA Executive are included.
If I transfer my Chase UR to, say, AF/KLM and pay the taxes on an appropriate Chase card, is there any coverage? Or do I have to use UR points through the Chase travel portal?
The Wells Fargo Premier Autograph offers unlimited no-charge Roadside Dispatch with fixed-fee Roadside Assistance services.
According to the benefits guide, they charge per use, but don’t say what the charge is, but “you may save money because their rates are pre-negotiated”
What is Roadside Dispatch?
Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you.
No membership or pre-enrollment is required. No annual dues. No limit on usage.
For a set price per service call, the program provides:
1Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program.
Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in an unsafe location – Roadside Dispatch will advise you to hang up and dial 911. If you are not able to dial 911, they will call the non-emergency police number in your area, and will remain on the phone with you at your request until the police arrive.) You have the convenience of one toll-free phone number and you may save money because their rates are pre-negotiated.
Dependable roadside assistance is available, 24 hours a day, 7 days a week in the United States. No membership or pre-enrollment is required. Just call Roadside Dispatch toll-free when you need them.
Taking into account the cost of the card…..Atmos Rewards Summit is best.
The Amex round-trip requirement honestly might deserve its own article.
It DOES NOT require that you purchase round-trip tickets.
> The period of round-trip travel may consist of roundtrip, one-way, or combinations of roundtrip and one-way tickets with Common Carrier(s).
I don’t have an Amex at all but what I’ve heard people get tripped up is not actually returning to the same airport they departed, either due to using commuter rail, taxi, or coterminal airports that happen to be in different cities.
This post is very helpful. Could you update it to include Bilt Palladium as well?
Curious that it wasn’t.
is the Citi premier significantly worse than the strate elite?
Hopefully this is purely a hypothetical scenario: I was wondering how long before an emergency evac scenario someone would need to have the card for the benefit to apply. As I was hiking around the Pictured Rocks National Lakeshore on the Upper Peninsula of Michigan over the weekend, I wondered if I fell and hurt myself in a place where I still had cell connection if I could apply for a Platinum while waiting for help to arrive and get it covered under the Platinum’s coverage. The trick up there (or in a lot of wilderness) would be actually having cell connection, but sometimes it works. If I am just laying there for a half hour anyway, waiting for help, maybe I should apply for a $900 card that could save me several thousand $$.
In case anyone is wondering, I made it out without needing emergency evac. ~30 miles hiking across two days, one blister on each foot, and one snow bank I got the car stuck in but managed to dig it out (and had to help someone else who got stuck in a different snow bank).
If the card stipulates that the entire trip must be paid for with the card to get protected, can we still pay with cash AND point/miles and get protected (as long as the entire cash amount including taxes and fees is paid with the card)? “The Covered Card and/or rewards program associated with Your covered Account must be used to purchase the entire cost of the Covered Traveler’s Common Carrier fare less redeemable certificates, vouchers, or coupons.”
So do points/miles count as “redeemable certificates, vouchers, or coupons”?
For example, United pay with points and cash or Southwest flight credit from a cancelled flight.
I think in practice that would work, yes. But it will depend on the coverage you need to determine whether you’ll be fully covered. For example, if you use a card’s trip cancellation coverage, you’ll probably only be able to get back the amount charged to your card and not the amount paid in the form of airline miles or flight credit.
Thanks for the reply. I have the Ritz Carlton but just recently got the $95 Wells Fargo Premier Autograph Visa Infinite card (could that be added to the article above?). I think the protections that matter the most are flight delay over 6 hours. So I should be good to pay with WF and earn 4x points which transfer to Choice and Wyndham at 1:2 and get those solid Visa Infinite protections even if sometimes paying a part of airfare with Travelbank or Southwest flight credit.
I’d love to add the Wells Fargo Premier Autograph Visa Infinite card to this post, but I can’t find the benefits guide online. If you have access to it, could you provide a link or send the PDF?
This is bizarre. I posted a link to the benefits guide in a reply but it does not appear here. I posted it again and it said I posted a duplicate. I even posted it in a comment on the most recent FM YouTube video, but again it does not show. it is wells fargo credit card premier autograph visa infinite guide to benefits and you can get to it from https://www.reddit.com/r/CreditCards/comments/1rb5gko/wf_premier_autograph_infinite/
I have tried a dozen times to post the link, but it looks like none are approved by your system. Just now I tried bitly but that didn’t work either. As in my previous reply, there is a reddit post which midway down the page has the link for the benefits guide so it can be obtained from there: https://www.reddit.com/r/CreditCards/comments/1rb5gko/wf_premier_autograph_infinite/
https://www.capitalone.com/credit-cards/benefits-guide/ This states that for the Venture X Business: “To get coverage: The rental vehicle must be rented primarily for business
purposes.” The footnote to the CDW chart implies that this isn’t a restriction for Capitol One.
Fixed this. Thank you!
This appears to vary between payment networks.
The business restriction appears to apply to the Mastercard World Elite variant (https://ecm.capitalone.com/WCM/card/world-elite-business-mastercard.pdf) and not to the Visa Infinite Business variant (https://ecm.capitalone.com/WCM/card/benefits-guide/visa-benefits-guides/visa-infinite-business-english.pdf).
For the Visa Infinite Business variant:
“You are eligible for the benefit if Your name is embossed on an eligible card issued in the United States or if You are authorized by Your company to rent an eligible Rental Vehicle using the company’s covered business Account, as long as You initiate and complete Your entire Rental Vehicle transaction with the Account.”
Could you add the Wells Fargo Autograph Journey Visa Infinite benefits to this list?
If someone could qualify for the Premier level at Wells, this card seems to have pretty good travel benefits for $95 less $50 airline credit per year.
Just a slight correction, the card is called Premier Autograph (doesn’t have the word “Journey”). I’m also wondering if not maintaining Premier level would necessarily mean forced conversion down to the Journey.
Would love to see Chase Sapphire Preferred added to the table too as I think its competitive for travel protections.
I am in the midst of a medical emergency right now in Peru and find the AMEX Business Platinum benefit largely worthless after my call with Global Assist a few minutes ago. I have been in the hospital for five days. Once out, I will need to re-book a flight home since I cannot continue travel. My original business class return flight was booked 7 months ago, but AMEX will only cover the cost of an economy flight home less what I am refunded from the airline for my original flight. AMEX/AIG will not cover my forfeited hotel and rental vehicle because they were booked on a different travel card. I *might* be reimbursed for the 3-hour rural taxi to the hospital. This is an expensive lesson about travel insurance.
That sounds awful. I hope you’re doing better.