Card Accounts

Business Accounts

Other Accounts and Payments

Tools and Support

Personal Cards

Business Credit Cards

Corporate Programs

Prepaid Cards

Personal Savings

Personal Checking and Loans

Business Banking

Book And Manage Travel

Travel Inspiration

Business Travel

Services and Support

Benefits and Offers

Manage Membership

Business Services

Checking & Payment Products

Funding Products

Merchant Services

  • Credit cards
  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • Small business guide
  • View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

The Guide to AmEx Platinum Travel Insurance

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

When does the AmEx Platinum travel insurance kick in?

Amex platinum travel insurance benefits and limits, how to make an amex travel insurance claim, what if the card’s insurance benefits are insufficient, the platinum card® from american express travel insurance, recapped.

Travel insurance can provide peace of mind when you’re away from home, especially when you’ve spent significant money on your vacation. Although you can choose to buy a separate travel insurance policy, not everyone wants or needs to do so.

Many travel credit cards offer complimentary insurance for a variety of occurrences. The Platinum Card® from American Express offers travel insurance with a suite of benefits for eligible travelers, including coverage for trip interruption, rental car damage and lost luggage.

Let’s take a look at travel insurance on The Platinum Card® from American Express , its limits and the benefits it provides.

» Learn more: What is travel insurance?

So, does The Platinum Card® from American Express have travel insurance? The short answer to this is yes, but you’ll need to meet specific requirements for it to apply.

To get coverage from your card, you’ll need to use it to pay for your trip in its entirety. This is true whether you’re looking to utilize the trip insurance or the rental car insurance — you must pay for the full cost with The Platinum Card® from American Express .

Be aware of coverage limitations if you’re traveling using points or miles. While it’s possible to receive benefits when using your card to pay the taxes and fees on a reward redemption, coverage may not always apply.

You may still be covered for trip interruption, delay, and cancellation insurance when using points or frequent flyer miles.

However, rental car and baggage insurance only apply when you’ve used your card to pay for the full cost of whatever you’re buying — no points allowed. The exception is if you redeem American Express Membership Rewards to pay for some or all of the booking.

» Learn more: How does credit card travel insurance work?

We’ve included a breakdown of all the insurance benefits and other travel protections provided by The Platinum Card® from American Express .

Trip cancellation protection

The trip cancellation insurance you’ll receive will pay for any nonrefundable losses you incur due to a covered event.

Given the current climate, you may also be wondering: does The Platinum Card® from American Express travel insurance cover COVID? It can, depending on the reason you need to cancel. Covered events include quarantine imposed by a physician or illness for you, your family members or a traveling companion.

Other eligible events include a change in military orders, inclement weather or jury duty.

If you need to cancel your trip, AmEx will provide up to $10,000 per trip and a maximum of $20,000 every 12 months. Terms apply.

amex travel insurance milelion

» Learn more: The guide to American Express travel insurance

Trip interruption coverage

The Platinum Card® from American Express

As with trip cancellation protection, trip interruption insurance will reimburse you for nonrefundable losses by a covered event.

If your trip is interrupted, American Express will cover you for prepaid land, air and sea travel bookings you’ve missed. They’ll also pay for the cost of an economy-class ticket on the most direct route to rejoin your covered trip (or take you home).

The maximum benefit you’ll receive is $10,000 per trip and up to $20,000 every 12 months. Terms apply.

Trip delay insurance

As it sounds, trip delay insurance will reimburse you for expenses incurred when your trip doesn’t go as scheduled. In the case of The Platinum Card® from American Express , coverage kicks in after you’ve been delayed by at least six hours for a covered reason.

Covered purchases may include food, toiletries, lodging, medication and other personal use items. You’ll be reimbursed for up to $500 on a covered trip and can make two claims within a 12-month period. Terms apply.

Rental car insurance

The Platinum Card® from American Express provides secondary rental car insurance . This means it’ll kick in after other claims — like those made to your personal insurance — have been paid. To activate coverage, you’ll need to decline the insurance offered by the rental car company.

AmEx will provide up to $75,000 due to damage or theft of the rental vehicle, but be aware that the policy doesn’t provide liability insurance.

It’ll also give you up to $1,000 per person (max of $2,000) for personal property lost in the incident and up to $5,000 for accidental injury. Finally, you’ll receive up to $300,000 for accidental death or dismemberment, though the rates will vary depending on the severity of your injuries.

This rental car insurance is valid worldwide with a few notable exceptions, including Australia, Italy and New Zealand. Terms apply.

» Learn more: Credit cards that provide travel insurance

Baggage coverage

Cardholders and their families are eligible for baggage insurance provided they’ve paid for the fare using The Platinum Card® from American Express . This benefit is only for lost baggage; delayed luggage is not protected.

Coverage limits vary depending on whether you’ve checked your bag or carried it on:

Checked bags: Up to $2,000 per person.

Carry-on: Up to $3,000 per person.

Note also that checked baggage is only covered when you’re actually traveling with a common carrier. Meanwhile, carry-on luggage is also covered when traveling to and from or waiting at the terminal.

There are also specific limits for high-risk items such as jewelry and electronic equipment. For these items, you’ll receive a maximum of $1,000 per person per trip. Terms apply.

» Learn more: Baggage insurance explained

Premium Global Assist

What else does The Platinum Card® from American Express travel insurance cover? Although this last benefit isn’t technically a type of travel insurance, it’s worth including as it can offer help while you travel.

AmEx’s Premium Global Assist hotline is a 24/7 service that can assist you in various ways, such as helping you get a new passport, finding translation services and even arranging for emergency medical evacuation.

Although using Premium Global Assist is free, the services that you may end up using are not necessarily covered by AmEx.

There are exceptions to this — if you need repatriation of mortal remains, emergency medical evacuation or if a child under 16 is left without care, AmEx will provide aid at no additional cost. Terms apply.

To file a claim, you’ll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you’re using:

Trip cancellation, interruption or delay insurance: Within 60 days, call 844-933-0648.

Baggage insurance: Within 30 days, call 800-228-6855 or online .

Rental car insurance: Within 30 days, call 800-338-1670 or online .

» Learn more: The guide to AmEx Platinum rental car benefits

If The Platinum Card® from American Express travel insurance doesn’t seem like it’ll be enough for your trip, or if its coverage doesn’t include features that you’d like to have, consider purchasing a separate travel insurance policy before you travel.

Several companies allow you to compare various policies for any vacation and modify inclusions as you shop.

» Learn more: How much is travel insurance?

The travel insurance offered by The Platinum Card® from American Express includes some pretty generous benefits for travelers, especially since it’s complimentary (the $695 annual fee notwithstanding). Terms apply.

If you want to take advantage of this insurance, pay for your trip using your AmEx card and double-check any other stated requirements before heading out to ensure coverage.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

amex travel insurance milelion

  • Reward types, points & expiry
  • What card do I use for…
  • Current Credit Card Sign Up Bonuses
  • Credit Card Lounge Benefits
  • Credit Card Airport Limo Benefits
  • Credit Card Reviews
  • Points Transfer Partners
  • Singapore Airlines First & Business Class Seat Guide
  • Singapore Airlines Book The Cook Wiki
  • Singapore Airlines Wi-Fi guide
  • The Milelion’s KrisFlyer Guide
  • What is the value of a mile?
  • Best Rate Guarantees (BRGs) for beginners
  • Singapore Staycation Guide
  • Trip Report Index
  • Credit Cards
  • For Great Justice
  • General Travel
  • Other Loyalty Programs
  • Trip Reports

The MileLion’s 2024 Credit Card Strategy

Aaron Wong

With all the nerfs that 2024 has seen so far, it's time to rethink card strategy. Here's my revised game plan for the rest of 2024

2024 hasn’t even reached the halfway point yet, but we’ve already seen nerfs to miles game favourites like the DBS Woman’s World Card, HSBC Revolution, UOB Lady’s Solitaire Card and Citi PayAll. That’s not to mention non-miles nerfs like the  HSBC Everyday Global Account and UOB Absolute Cashback Card!

This means it’s time for an update to The MileLion’s 2024 Credit Card Strategy , so it remains an up-to-date resource to forward to your friends, family and Tinder dates (and if the last two are one and the same, I really don’t need to know about it).

Before we start

Before we talk about specific cards, here’s a few important points to make. 

Not a comprehensive listing

First, this article is not intended to be a comprehensive listing of the best cards for each category.

For example, in the public transport section I’ve not included the StanChart Smart Card, even though it earns an impressive 5.6 mpd on bus and MRT rides. Likewise, for shopping I’ve omitted the OCBC Rewards Card which offers 4 mpd.

That’s because OCBC and StanChart cards don’t otherwise feature in my regular rotation, and by adding a single card I’d likely end up with orphan miles. Remember, the goal here is to share my strategy , not an encyclopedia. 

If you’re interested in a comprehensive listing of the best cards for a given category, you should instead refer to the articles below.

Don’t forget sign-up bonuses

Second, this article doesn’t take into account ongoing sign-up bonuses.

These are opportunities for new cardholders to earn a lump sum of miles by spending a minimum amount within a certain period following approval. You should absolutely try and leverage these first, because the effective earn rate (in terms of miles awarded to dollars spent) will be superior to many of the cards in this post.

I publish a monthly article that covers all the sign-up bonuses in detail, and you can also bookmark my Welcome Offers page to keep tabs on the latest promotions.

Categories can overlap

Third, categories can overlap or be subsets of each other, so don’t think about them too rigidly.

For example, a card which earns bonuses on contactless payments can be used at a restaurant, department store, supermarket, or anywhere that contactless payments are accepted. Likewise, if a card earns bonuses on foreign currency spend, it doesn’t matter whether that spend is dining, shopping or travel-related.

Check the definitions

Fourth, different cards may define the same category differently.

For example, what counts as “dining” for HSBC may be different from UOB. Always refer to the T&Cs for the exact list of eligible MCCs, and if you need to check the MCC of a given merchant, use the methods below.

Overall strategy

Broadly speaking, there’s two types of miles cards out there:

General spending cards (e.g. UOB PRVI Miles) earn a flat rate of 1.2-1.6 mpd on all transactions, whereas specialised spending cards (e.g. UOB Preferred Platinum Visa) earn 4 mpd on particular categories, and 0.4 mpd on everything else. 

Since specialised spending cards can cover such a wide range of transactions, however, it seems almost sinful to settle for the lower earn rates of a general spending card. Put it another way: someone who regularly utilises 4 mpd cards will earn a free flight much faster than someone who puts everything on a 1.2 mpd card.

Therefore, your goal should be to:

Use specialised spending cards as much as possible

It doesn’t mean that general spending cards are useless. As I’ve explained in the post below, they have a role to play in a well-balanced miles strategy. But they certainly shouldn’t be your first port of call!

Should you bother to get a general spending card?

Contactless Payments: UOB Preferred Platinum Visa, UOB Visa Signature

Contactless payments aren’t a category of spending as such, more like a method. But that works to your advantage. Since contactless terminals are so ubiquitous these days, earning 4 mpd on the vast majority of your spending should be straightforward. 

The UOB Preferred Platinum Visa (PPV) continues to be the go-to option, earning 4 mpd on all mobile contactless transactions. Simply add this card to your Apple, Fitbit, Google or Samsung Pay account and tap your phone or watch in-store to pay. 

Those who regularly spend beyond the UOB PPV’s monthly S$1,000 bonus cap can consider the UOB Visa Signature, which has a higher monthly bonus cap of S$2,000. Cardholders will earn 4 mpd on contactless transactions, with a minimum spend of S$1,000 per statement month.

Do note the difference in how each card defines contactless spending. You will not earn any bonuses if you tap the physical UOB PPV card!

For both cards, take care when dealing with UOB$ merchants such as Bread Talk, Cold Storage, Giant, Guardian and Starbucks. At UOB$ merchants:

  • you’ll earn 3.6 mpd with the UOB Visa Signature
  • you’ll earn no miles with the UOB PPV

For why this is the case, refer to this post . There are some workarounds , but it might be better to avoid the issue altogether by using other cards here.

Also, I shouldn’t have to say this (though based on some angry emails I receive, perhaps I do), but UOB’s standard exclusion list still applies . You won’t earn 4 mpd if you use contactless payments at an educational institution or government office, for instance.

Online Transactions: Citi Rewards, DBS Woman’s World Card

Like contactless payments, online transactions are another big catch-all category.

Both the Citi Rewards and DBS Woman’s World Card (WWMC) will earn 4 mpd , so long as it doesn’t fall into:

  • the bank’s general list of exclusions, or
  • travel-related transactions such as airlines, cruises, hotels, rental cars and travel agencies
  • in-app mobile wallet payments (e.g. Deliveroo + Citi Rewards = 4 mpd, Deliveroo + Google Pay (using Citi Rewards) = 0.4 mpd)

This is capped at S$1,000 for the Citi Rewards, and a now-reduced S$1,500 for the DBS WWMC .

In other words, both the Citi Rewards and DBS WWMC would be well-suited to cover everyday transactions like:

  • Deliveroo, GrabFood or Foodpanda
  • Grab or gojek rides
  • Google Play or Apple App Store purchases
  • Netflix, Spotify and other streaming subscriptions
  • E-commerce sites like Amazon, Lazada,Qoo10, Shopee etc.
  • (WWMC only) Buying airline tickets, cruises, prepaid hotels or activities & attraction bookings with Klook or Pelago

Dining: HSBC Revolution, UOB Lady’s Cards and KrisFlyer UOB

Dining is no doubt a major expense category for many people, and there’s several cards you can use here.

It’s a choice between the UOB Lady’s Cards (where Dining must be selected as one of your bonus categories) or the HSBC Revolution for a capped 4 mpd, or the KrisFlyer UOB Credit Card for an uncapped 3 mpd, provided you spend at least S$800 on SIA Group transactions (Singapore Airlines, Scoot, KrisShop) in a membership year.

But there’s another factor to consider: MCC coverage. As it turns out, all these cards define dining differently.

Each of these involve trade-offs:

  • HSBC Revolution offers the widest dining MCC coverage (though crucially, it’s missing fast food after its 1 May nerf ), but has a monthly 4 mpd cap of S$1,000
  • UOB Lady’s Cards have a slightly more restrictive dining MCC coverage, but have monthly 4 mpd caps of up to S$2,000, and you can add an extra 2 mpd by depositing S$10,000 into a UOB Lady’s Savings Account
  • KrisFlyer UOB Credit Card has the narrowest dining MCC coverage, but offers 3 mpd with no cap, provided you meet the min. S$800 spend on the SIA Group per membership year- which shouldn’t be that hard to do

Groceries: DBS yuu and UOB Lady’s Cards

Groceries is the only category where I’d seriously consider a non-miles card.

That’s because the DBS yuu Card offers 26 yuu Points per S$1 (the equivalent of an 18% cash rebate) at Cold Storage and Giant (plus other yuu merchants ). You’d have to value a mile at more than 4.5 cents each to prefer 4 mpd over that. This upsized earn rate was originally supposed to lapse on 29 February 2024, but is now evergreen. I know where I’m buying my diapers and milk powder from!

But if you’re shopping at Sheng Siong, NTUC, or other supermarket chains, you can consider the  UOB Lady’s Cards (with Family selected as the bonus category) for 4 mpd.

Sadly, the HSBC Revolution is no longer an option for supermarkets, following its 1 May nerf.

Foreign Currency (FCY): Amaze, UOB Visa Signature or Maybank Horizon

Amaze rates may be creeping upwards, but at the end of the day it’s still a superior option to using bank credit cards and their 3.25% FCY fees (don’t forget that Amaze offers a cash rebate of up to 0.5% through InstaPoints as well).

The question then becomes which credit card you pair it with, and my default option is the Citi Rewards Card   for 4 mpd. There’s other cards you can consider too, depending on MCC. 

If you don’t want to use Amaze, consider the UOB Visa Signature . This earns 4 mpd on overseas spending, subject to a minimum FCY spend of S$1,000 per statement month, and capped at S$2,000 FCY spend per statement month. Do note that this cap is shared with the 4 mpd cap for contactless payments/petrol. For a more detailed explanation of how the caps work, refer to this article.

But what if you’re spending big and need something without a cap? The Maybank Horizon Visa Signature is your best bet in that case. Provided you spend at least S$800 per calendar month (in either local or FCY transactions), you’ll earn an uncapped 3.2 mpd on FCY spending. 

Even better, this bonus also applies to commonly-excluded categories like donations, education, hospitals and utilities- so long as they’re in foreign currency.

Shopping: Citi Rewards, HSBC Revolution, Amaze + KrisFlyer UOB

For online or offline shopping at department stores, or fashion, jewelry and clothes outlets, you can choose from the Citi Rewards (4 mpd), HSBC Revolution (4 mpd) or Amaze + KrisFlyer UOB Credit Card (3 mpd).

Earn rates aside, the main difference here is caps. Both the Citi Rewards and HSBC Revolution are capped at S$1,000 per month, while the Amaze + KrisFlyer UOB combination is uncapped, provided you spend at least S$800 on SIA Group transactions in a membership year.

Why do you need to add the Amaze? Because the KrisFlyer UOB Credit Card’s 3 mpd rate is only for online shopping, and Amaze turns offline transactions into online ones.

Do note that each bank has a different definition of shopping. We don’t have the space here to list what each MCC refers to, but this guide will come in handy.

Petrol: UOB Lady’s Cards, UOB Visa Signature

Although I feel the best card for petrol is the one that gives the biggest discount, if you’re just looking at miles then it’s a toss up among the UOB Lady’s Cards or UOB Visa Signature. 

UOB Lady’s Cardholders will earn 4 mpd on petrol, provided they select Transport as their quarterly bonus category.

UOB Visa Signature Cardholders will earn 4 mpd , provided they spend at least S$1,000 on local contactless payments and/or petrol in a given statement month.

Public Transport: UOB Lady’s Cards, KrisFlyer UOB Card

Public transport won’t be a huge component of your monthly expenditure, but it’s still a category worth optimising.

The UOB Lady’s Card and UOB Lady’s Solitaire Card will earn 4 mpd, provided Transport is chosen as the quarterly bonus category. Alternatively, use the KrisFlyer UOB Credit Card for 3 mpd, subject to a minimum S$800 spend on SIA Group transactions in a membership year.

General Spending: Amaze + Citi Rewards, AMEX HighFlyer Card, UOB PRVI Miles Card

If you haven’t yet exhausted the 4 mpd cap on the Citi Rewards, then it can be a useful general spending card when paired with Amaze. Remember, Amaze converts all offline transactions into online ones, so you can spend in-store and still earn 4 mpd.

Otherwise, the AMEX HighFlyer Card (only available to SME owners) is the highest-earning general spending card with 1.8 mpd on all local and overseas spend. 

The main drawback is that it limits you to converting a maximum of 150,000 KrisFlyer miles per calendar year (30,000 miles to five accounts), but you probably won’t be putting that much on a general spending card in the first place. 

For everyone else, there’s the UOB PRVI Miles Card which earns 1.4 mpd on local spend and 2.4 mpd overseas. There’s no real harm in using the DBS Altitude/ Citi PremierMiles / OCBC 90°N Card either, even though they earn slightly less. Ideally, you’d be putting as little spending as possible on your general spending card anyway, so the difference shouldn’t be too material.

Of course, if you earn enough to qualify for one of the 1.6 mpd general spending cards such as the Citi ULTIMA, UOB Reserve , DBS Insignia or the OCBC VOYAGE (Premier/PPC/BOS) , by all means go ahead and use it.

As I said at the start, you should be using your general spending card as sparingly as possible. This should be reserved for situations where you’ve exhausted your bonus caps on specialised spending cards, or when the category is not “bonus-able” (which is exceedingly rare these days).

Don’t forget Kris+

Whenever you’re at a restaurant, store, spa or hotel, always be sure to check whether they’re a Kris+ merchant, because that’s an easy opportunity to stack a further 1-9 mpd on top of your credit card miles. 

I’ve written a separate guide on the best cards to use with Kris+, which can be found below.

What’s the best card to use for Kris+?

Some ongoing Kris+ deals you should know about include (all the figures below are  before  adding miles from credit cards):

  • 3 mpd at Esso and 12% upfront discount , valid till 31 May 2024
  • 10 mpd at selected restaurants with Feast to Fly, valid till 30 June 2024

Bill Payments

The trouble with bill payments such as insurance premiums, rent, tuition fees, taxes and utilities is that credit cards either aren’t accepted, or if they are, usually won’t earn rewards. 

But these aren’t lost causes. If you’re willing to pay a small admin fee, then platforms like CardUp and Citi PayAll  let you earn miles.

Should you pay the admin fee? It all boils down to  how much you value a mile. I personally would consider options that let me buy miles at less than 1.5 cents apiece, but your situation may differ.

As an aside, if you’re looking to earn miles while paying 2024’s income taxes, do refer to the detailed guide below for all the options. 

2024 Edition: Earning credit card miles on IRAS income tax

Is it possible to over-optimise?

As much as we want to maximise 4 mpd everywhere, is it possible to overdo it?

Definitely. The way I see it, there are two additional considerations:

(1) Conversion Fees

By spreading your cards across multiple banks, you’re collecting different points currencies and will have to pay multiple conversion fees.

However, I’m not too worried about this. Conversion fees are annoying and we try to minimise them where we can, but paying them isn’t the end of the world. In the grand scheme of things, an extra S$25 here and there isn’t going to destroy the overall value proposition of the miles game.

Moreover, it doesn’t necessarily mean more cards = more fees. If you own multiple cards from the same bank, you may still pay only a single conversion fee, provided the points are pooled.

For example, a UOB customer could hold a UOB PRVI Miles, UOB PPV, UOB Visa Signature and UOB Lady’s Card, all while paying only a single conversion fee. 

(2) Orphan Points

Orphan points are a bigger concern than conversion fees. If you spread yourself too thin, you may end up in a situation where you’re optimising on individual transactions, but not in an overall sense. 

What are orphan miles, and how do you avoid them?

To illustrate, suppose I drive infrequently but get a Maybank World Mastercard just so I can earn 4 mpd on petrol. I may be optimising on that particular transaction, but it counts for very little if I end up with a small chunk of TREATS points that I can’t cash out. 

All things equal, the larger a card’s minimum conversion block, the more likely you are to end up with orphan miles. 

tl;dr: Optimisation is good, but you need to look at both the micro and macro picture. If you don’t spend a significant amount on a particular category, then consider using your general spending card instead.

If you told me I could have five cards and no more, my top picks would be:

  • UOB Preferred Platinum Visa (for all mobile payments in-store)
  • Citi Rewards (for all online transactions, as well as in-store transaction paired with Amaze)
  • DBS Woman’s World Card (for all online transactions)
  • UOB Lady’s Solitaire (with Travel and Dining as my two bonus categories)
  • KrisFlyer UOB Credit Card  (to mop up anything beyond my 4 mpd caps)

And of course there’s Amaze too, the glue which holds much of this together. Keep in mind, that’s the combination that best suits  my  spending patterns. You may land somewhere else, so it’s important to take stock of your spending, break it down into categories, and pick the cards that match it the best.

Once again, I want to emphasise that this article is not meant to be an exhaustive list of cards you can use for each category. There are other cards not mentioned which could justifiably fit into a sound miles strategy, depending on which bank you’re already earning points with, and your overall spending patterns. 

Any other cards that are featuring in your 2024 game plan?

  • credit cards

Aaron Wong

Similar Articles

Extended: citi rewards card 16,000 miles sign-up offer, dbs takashimaya amex offering s$150 cashback for new and existing dbs customers, 52 comments.

guest

Hi Aaron, for those with big regular insurance bills – use of SCB prudential card might be a better option compared to paying fees to cardup. My insurance bills racks up to more than $40k per annum.

Aaron Wong

Qn: is scb Prudential only for Prudential bills, or does it earn points for all insurers?

Jay Wow

Earns for all insurers, but the earn rate is very low for a no-fee option. Used to be using it until we couldn’t pool the SC Rewards points together.

Jonathan Chan

Would you use Amaze paired with UOB Lady Solitaire for dining, or just the card directly?

if you are overseas, of course use amaze. if local doesnt matter

Kel

Should HSBC Revolution still figure prominently as a travel card after their recent nerfs?

Would certainly avoid using it for hotels because of mcc 7011 uncertainty. Keep it as dining and groceries card

Pchoz

After Feb will there be categories for the uob ladies card? Or default everything 4mpd like the ppv?

J C

Thanks @Aaron as always for sharing this very comprehensive article. For myself I opted for a simple “brain dead” strategy because I dont want to be one of those people that are constantly stressing about which card to use for which transaction, not to mention orphan points and worrying about expiry currently adopting a 2 card strategy: 1. Main: Citi rewards + AMAZE This is used for all day-day transaction e.g dining, shopping , petrol. usually about ~$1000 which is the cap for rewards (although some months may exceed the cap slightly) 2. Sub: Citi PM. for sub mainly used …  Read more »

Tom

I do a similar strategy, HSBC Revo instead of the above just to get 1k @ 4mpd then OCBC Premier Voyage for 1.6 elsewhere. Sure I leave some miles on the table but I avoid a lot of headaches.

SNG

I would replace HSBC revo with UOB VS in the top 5 list as it is more encompassing.

Yup, Uob vs is a good shout if hitting the 1k min spend each month isn’t a big deal for you.

Dennis C

But Aaron, it actually doesn’t make sense to not have UOB VS in the Top 4, and you can debate depending on your personal context whether HSBC Revo, Citi Rewards or UOB Krisflyer should be #5. If you have problems hitting the 1k min spend each month, then you will need to worry about orphan miles and cannot spread your miles over too many banks. UOB VS is a no brainer here because UOB VS pools with Lady and PPF, and it’s fine if you do not use it some months because of the minimum. The Top 5 here is …  Read more »

Convenience

Hi, just thinking that maybe there’s a 3rd reason for not over-optimising. The time and preference factor. Essentially if using 4mpd cards affects: 1. Choice of shop/dining/website to patronize 2. Having to monitor various cards for : (a) spending min/max limits (b) annual fee waivers (esp UOB /OCBC) (c) points expiry (d) transaction vs posting date or statement month cycles I think this applies especially if I sign on to more cards then I can usually use for my monthly/annual spending habits. For a busy person, maybe the time saved and the lack of soft constraints on spending could be …  Read more »

Jax

Agree. Plus it’s also how much does 1 spend per month. For me, I only use HSBC Revolution for all things offline. And DBS Women’s for all things online. These two cards are enuf for my expedition monthly, which is usually below $2k. Should I travel, I use SC Journey or HSBC Travel One. Sometimes with Amaze but also without at times. If it’s travelling for work, I don’t care about fcy since it’s gonna reimbursed, so it’s all about earning miles. If travelling for leisure, I might even use Revolut/Youtrip cause it’s more of saving money than earning miles. …  Read more »

milechaser

@Aaron, can you clarify why you put UOB PPV   over HSBC Revolution as your #1 choice? I would have thought revo would be much better as a overall balanced card with lack of restriction(see: min spend) as well as no annual fee

Please don’t get hung up over the order. Next time I should just use bullet points instead of numbered bullets…

UOB PPV pooling with UOB Lady (and UOB VS) would be an easy reason.

Weng You Sim

Hi, If given the option, I would rather avoid ALL UOB cards completely due to lack of proper customer support in case of any transactional issue and the call center giving misleading information. Just to share you my recent experiences: (1) My purchase at the Microsoft store last year was taken as a fraudulent transaction. As a result, my attempts to pay for my purchase has been rejected consecutively for 5 times. Then when I called the UOB call center for assistance, the customer service confirmed that my 6th attempt was successful but it only lasted 30 mins as it …  Read more »

Yes UOB. I’ve had lousy call experiences too.That’s why I hesitate to take up the Infinite Metal or the Lady’s Solitaire and prefer to stay with other banks. I dropped all my OCBC cards too.

In with you 100% on this. I effectively boycott UOB products (credit card or banking) – can’t be bothered jumping through hoops with their small print to get any bonuses and I’ve found their customer care to be borderline malicious it is so ineffective.

Nick

Hi Aaron, I noticed you don’t seem to recommend the WMMC as a general spending card (for contactless payments) anymore. Has this benefit been nerfed or do we still get 4mpd for tapping it on a contactless terminal?

Er, that was never recommended. You might want to refer to the past strategy guides

Argh you’re right. I don’t know why I got it mixed up. Anyway, it doesn’t matter. I’ve been using it mostly for grab and Shopee purchases anyway.

Wei Siang

Currently I’m using amaze card link with citi rewards card. In the past I was using card-up through this citi rewards card for insurance payment to earn the citi points, I stop using card-up due to the admin fee.

I would like to check If I don’t use card-up for the insurance and just make payment through amaze card, can I still earn citi points for my citi rewards card?

Tony

I need a Spreadsheet to keep track of these terms and conditions that are regularly changed . Good to have Aaron giving us regular updates. Thanks Aaron.

J L

I would also suggest under the “Offline Shopping” category, to also include the UOB Lady’s Cards (Shopping category selected) and OCBC Titanium Rewards Blue/Pink (though yes it has been nerfed to SGD1K cap per month)

Moses

Hi Aaron is Grab in the transport category for the UOB lady’s solitaire?

Chong

Hi Aaron, for cards like uob ppv & uob vs, is making payments using mobile contactless sufficient for us to earn the bonus miles? Or do we need to be mindful of the mccs as well?

standard exclusions eg insurance, education apply

Dirk

Was told at UOB today that the the PPV is discontinued. They aren’t accept any new applications. Some other cards got the axe as well. I took a photo of the current list. Happy to share.

Elle

Thanks for the comprehensive write-up! For someone living overseas, and coming back once a year – are there any cards with no currency conversion fees so that I can spend overseas and earn miles at the same time?

there are, but they’re not suitable for earning miles, e.g. trust card.

This is something US credit cardholders, not Singapore credit cardholders, enjoy.

Phoebe

Hello Aaron, love your articles. If you could only pick one between Citi rewards and UOB PPV, which would be your pick?

The reason for this would be a monthly spend close to only $1k, then you’d have to pick one card that captures most of what you actually spend on. No fixed answer.

ralyn

could you do an updated strat post following all the nerfs

Jarnytha

My strategy for 2024, put everything on my Amex Plat Charge. If amex not accepted put it on the prestige.

Curious

Amex does have less acceptance than MC but wouldn’t doing it in the opposite order earn more miles except for maybe SQ and 10X merchants? Perhaps you’re trying to get an invite for the Centurion?

Chuan

Hi, personally think is worth mentioning all uob cards pool points together so wont have much orphan miles issue!

Moreover, it doesn’t necessarily mean more cards = more fees. If you own multiple cards from the same bank, you may still pay only a single conversion fee, provided the points are pooled.

For example, a UOB customer could hold a UOB PRVI Miles, UOB PPV, UOB Visa Signature and UOB Lady’s Card, all while paying only a single conversion fee.

Many cafes / restaurants nowadays provide QR code for ordering and payment using their in-app ordering system. What is the MCC codes for these and whats the best card to use ? is this consider online spending seeing that it is paid in-app and is online ?

Excellent question. I want to know too. Currently I circumvent this by asking to pay on their terminal instead of putting my card details in the app. Can someone enlighten us?

Shaun

Hi Aaron, for transport, why wasn’t the SC smart credit card mentioned? Am i missing something haha

do read the article again, especially the start.

I also tried the SC Smart card as a MRT card but stopped using it after the first cashback. For the same reason Aaron wrote.

Aaron, would it be OK to update the article to disclose your estimated monthly spending range, and if you heavily use CardUp and Citi PayAll? This is crucial context to understand a strategy. Below a certain spend level, you have to worry about orphan miles a lot more and should not use more than 1-2 banks. Above a certain spend level, you are prone to maxing out many of the 4 mpd cards and need to pay more attention to UOB Krisflyer and other uncapped/general spend cards. Would also love to see which categories are most important for your family’s …  Read more »

Pzhong

Just curious. Why not use both citi rewards visa and Mastercard for online purchases rather than dbs women’s card cos dbs points expire after one year and technically citi card can accumulate for a much longer period?

Citi Rewards Mastercard is more useful because it can be used overseas with Amaze, and Citi does not pool (even between the two cards). If you have another DBS card like DBS Vantage, Women’s is more useful.

CKC

I wouldn’t place UOB PPV above Citi Rewards + Amaze. Other than travel contactless payments (how often does that happen?), you could argue that CRMC + Amaze works on all contactless payments as well. Add on the fact that you can pair it with Kris+ on all merchants, use it overseas without FCY fees, no rounding down to $5 blocks of spend, and the ability to convert points to a wide variety of transfer partners, I would have to say CRMC + Amaze beats out UOB PPV by a sizeable margin. The only thing going for UOB PPV is saving …  Read more »

Teo

What best for Telco bill?

Shane

Curious if large FCY shopping expenses using Amaze + Krisflyer UOB will be better than Maybank Horizon? Will this still trigger the 1% fee on Amaze card even if transactions are in FCY?

CREDIT CARD SIGN UP BONUSES

amex travel insurance milelion

Featured Deals

amex travel insurance milelion

© Copyright 2024 The Milelion All Rights Reserved | Web Design by Enchant.sg

Introduction to American Express Travel Protection

Types of travel protection offered, american express travel protection: a guide to your benefits.

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: Hilton Honors American Express Aspire Card, Amex EveryDay® Preferred Credit Card, American Express® Green Card, The Plum Card® from American Express. The details for these products have not been reviewed or provided by the issuer.

  • Some American Express cards offer trip cancellation and interruption benefits .
  • You'll find these perks on cards like The Platinum Card® from American Express.
  • If you're eager to sign up for a travel credit card with perks, compare each card's offerings.

Overview of Travel Protection Benefits

While credit card insurance and travel protection coverage are usually considered secondary to rewards programs and other cardholder perks, these benefits can be equally important if you travel.

When you pay for a trip with a credit card that offers trip cancellation and interruption insurance, for example, you can get reimbursed for some of your travel expenses in the event your vacation is halted for reasons beyond your control. Meanwhile, trip delay insurance lets you apply for some reimbursement when a delay of your trip results in surprise expenses, such as an unplanned hotel stay near the airport when your flight is on hold.

Importance of Travel Insurance

Chase credit cards like the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card have really stood out for years in terms of the protections they offer, and with some of the highest limits out there. Still, American Express is still coming around — it recently added trip cancellation and interruption insurance, along with trip delay coverage, to many of its top rewards credit cards. 

If you're in the market for an American Express card and you're hoping to take advantage of important travel benefits, consider the cards below and their expanded travel protections.

Trip Cancellation and Interruption Insurance

New trip cancellation and interruption insurance from American Express credit cards will provide you with up to $10,000 in coverage (and up to $20,000 per account per year) you can use for reimbursement of prepaid travel expenses like airfare and hotels. This coverage can come in handy if your trip is canceled for a covered reason beyond your control, or you're stuck in your destination and require an extended stay and additional costs before you can return home.

Note that this coverage is good for round-trip travel booked with your credit card, meaning you have to pay for travel expenses with a common carrier with your American Express credit card in order to be eligible.

American Express cards that qualify for this coverage include:

  • The Platinum Card® from American Express
  • Delta SkyMiles® Reserve American Express Card
  • Hilton Honors American Express Aspire Card
  • Marriott Bonvoy Brilliant® American Express® Card
  • The Business Platinum Card® from American Express
  • Delta SkyMiles® Reserve Business American Express Card

Other versions of the Amex Platinum card — including the Goldman Sachs, Morgan Stanley, and corporate flavors —  also offer this coverage, as do all versions of the Amex Centurion (black) card , which is invite-only.

Baggage Insurance Plan

Quite a few American Express credit cards also offer a baggage insurance plan, although this isn't a new or upgraded benefit from the card issuer. This coverage can come in handy if your luggage is lost or stolen during a covered trip. To be eligible for this coverage, you have to pay for travel with a common carrier (airfare, cruise fare, etc.) with your American Express credit card.

The amount of coverage you'll receive depends on the card you have. For example, baggage insurance from the The Platinum Card® from American Express offers up to $3,000 in coverage per person for carry-on luggage and up to $2,000 per person in coverage for some types of checked baggage.

With baggage insurance from the Amex EveryDay® Preferred Credit Card , on the other hand, you'll only qualify for up to $1,250 in coverage per person for carry-on luggage and up to $500 for covered checked baggage, although an extra benefit of $250 is offered for qualified "high risk items" like jewelry or sporting equipment. 

American Express cards that come with baggage insurance include:

  • The Platinum Card® from American Express (including various versions)
  • American Express® Gold Card (including various versions)
  • American Express® Green Card (including various versions)
  • Delta SkyMiles® Gold American Express Card
  • Delta SkyMiles® Platinum American Express Card
  • Hilton Honors American Express Surpass® Card
  • Amex EveryDay® Preferred Credit Card
  • The Plum Card® from American Express

American Express business cards with baggage insurance include:

  • American Express® Business Gold Card
  • The Blue Business® Plus Credit Card from American Express
  • Delta SkyMiles® Gold Business American Express Card
  • Delta SkyMiles® Platinum Business American Express Card
  • Marriott Bonvoy Business® American Express® Card
  • The Hilton Honors American Express Business Card
  • Lowe's Business Rewards Card from American Express
  • Amazon Business Prime American Express Card
  • Amazon Business American Express Card

Various versions of the Amex Centurion card and several Amex corporate cards also offer baggage insurance.

Travel Accident Insurance

Some American Express cards also offer secondary auto rental coverage, which means this coverage kicks in after other policies you have are exhausted, as opposed to primary car rental coverage.

While this benefit applies to many Amex cards, note that coverage limits can vary. With the Amex Gold card, for example, coverage is limited to $50,000 per rental agreement for damage or theft, yet the Amex Platinum card offers up to $75,000 in coverage. The insurance doesn't cover personal liability, either.

Also note that this coverage comes with a certain amount of Accidental Death or Dismemberment Coverage that varies by card. With , for example, you'll receive up to $200,000 in coverage per person and up to $300,000 in coverage per car accident for accidental death and dismemberment. Make sure to read your credit card's terms and conditions so you know exactly how much coverage you have. 

American Express cards that come with secondary auto rental coverage include:

  • The Platinum Card® from American Express (including various versions)
  • Delta SkyMiles® Blue American Express Card
  • Hilton Honors American Express Card
  • Marriott Bonvoy American Express® Card (no longer available to new applicants)
  • Blue Cash Everyday® Card from American Express
  • Blue Cash Preferred® Card from American Express
  • Amex Everyday® Credit Card from American Express

And business cards from Amex that offer secondary car rental insurance include:

While American Express did offer travel accident insurance on some of its cards, this coverage was effectively dropped as of January 1, 2020. The same is true for the American Express Roadside Assistance Hotline, which is no longer available.

Trip Delay Insurance

In January of 2020, American Express also rolled out an upgraded trip delay insurance benefit for many of its top rewards credit cards. While this perk may seem like an unusual one, there are so many scenarios where trip delay coverage could help you save money and avoid surprise expenses when travel is delayed beyond your control. 

With trip delay coverage from Amex, you can be reimbursed for up to $500 per trip for hotel stays, meals, and other miscellaneous required expenses when your flight or other trip plans are delayed by more than six hours. If you're sitting at the airport and your flight is suddenly delayed until the next morning, for example, you could use this coverage to get reimbursed for a nearby airport hotel and your dinner, then for an Uber or Lyft ride back to the airport.

To qualify for American Express trip delay coverage, you need to pay for your round-trip travel expenses with a common carrier with your credit card.

Amex cards that come with trip delay coverage include:

  • American Express® Gold Card
  • American Express® Green Card

Again, the various versions of the Amex Platinum and Amex Centurion cards also offer trip delay insurance.

Most travel protections are automatically activated when you use your American Express card to book your travel. However, specific activation steps, if any, depend on the benefit.

Covered reasons for trip cancellation or interruption typically include illness, severe weather, and other unforeseen events, reimbursing you for non-refundable travel expenses.

Yes, baggage insurance plans come with coverage limits, which vary depending on the card and the type of loss (e.g., lost, damaged, or stolen baggage).

The Global Assist Hotline offers medical, legal, and other emergency coordination and assistance services, but financial costs for services rendered are typically the cardholder's responsibility.

Eligibility for specific travel protections varies by card. Premium cards often offer more comprehensive protections compared to basic cards.

amex travel insurance milelion

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

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.

amex travel insurance milelion

  • Main content

You are using an outdated browser. Please upgrade your browser to improve your experience.

Card Accounts

Card Services

Business Accounts

Help & Support

Personal Cards

Corporate Cards

Online Travel

Travel Money

Travel Services

Business Travel

All Insurance

Insure Myself

Insure My Home and Belongings

Membership Rewards

KrisFlyer Miles

Corporations

Business Owners

It appears that JavaScript is either disabled or not supported by your web browser. JavaScript must be enabled to experience the American Express website and to log in to your account.

Milelion

All offers mentioned below are only applicable for applications submitted via this page.

The Platinum Card ®

Milelion Exclusive Offer 

For new to American Express Card Members

✔ Receive 10,000 Membership Rewards ®  points with annual fee payment and min. spending of S$10,000 within 60 calendar days of Card approval.

Apply between 1 Apr 24 to 8 May 24.

Receive approval between 1 Apr 24 to 13 May 24.

T&Cs apply.

Welcome Offers

✔ Receive   127,500 Membership Rewards ® points  with annual fee payment and min. spending of S$6,000 within 60 calendar days of Card approval.

✔ Earn  7,500 Membership Rewards ® points  based on the S$6,000 spent above (based on 2 Membership Rewards ® points for every S$1.60 spent).

For existing Card Members - ENHANCED FOR A LIMITED TIME ONLY

✔ Receive 80,000   127,500 Membership Rewards ®  points  with annual fee payment and min. spending of S$6,000 within 60 calendar days of Card approval.

✔ Earn  7,500 Membership Rewards ®  points based on the S$6,000 spent above (based on 2 Membership Rewards ®  points for every S$1.60 spent).

Apply between 5 Apr 24 to 8 May 24.

Receive approval between 5 Apr 24 to 13 May 24.

T&Cs apply

Card Member Agreement and Benefit Terms and Conditions.

Additionally, receive S$20 eCapitaVouchers if you provide consent for direct marketing when you apply. Valid till 29 May 24.

Direct Marketing T&Cs .

All enquiries about the promotion are to be directed to American Express.

Annual Fee, Card Type & Eligibility

Annual Fee: S$1,744 (incl. of 9% GST)

Card Type: Charge Card

Eligibility: Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Featured Platinum Benefits

Multi-Card Carousel

Platinum Lifestyle Benefits

Travel in style

Be spoiled for choice with unlimited access to our growing network of over 1,400 lounges across 650 cities for you, one Supplementary Card Member and one guest each.

Platinum Lifestyle Benefits

Platinum Perks

Complimentary hotel stay and membership gifts worth more than S$800 upon sign-up and renewal.

Platinum Travel Benefits

Savour epicurean delights​

From Michelin-starred hot spots to hidden gems, embark on a gastronomic journey and discover new favourites with S$400 Global Dining Credit every year with qualifying spend.​

Platinum Travel Benefits

Make every moment of your journey count

Savour your stay just a little longer with guaranteed 4pm late check-out at over 1,300 Fine Hotels + Resorts properties.

Platinum Travel Benefits

Step into a luxury of quiet and space

Take time off and reconnect with yourself with S$400 Lifestyle Credit every year to use at our curated lifestyle partners.

Platinum Travel Benefits

Roam the rare sights

Go off the beaten path with S$200 Airline Credit every year when you make qualifying spends.

Platinum Travel Benefits

Explore new stories

Stream your favourite movie or news content with up to S$17 monthly, on us.

Platinum Lifestyle Benefits

Transform your trips into spectacular memories

Upgrade to higher tier status on hotel loyalty programmes.

Platinum Travel

Travel Benefits

(worth S$2,247 * )

S$200 Airline Credit

Jet away to your next travel destination with S$200 to use every year when you make qualifying spends with Singapore Airlines or Scoot.

Enrolment is required.

International Airline Program

Enjoy  preferential fares  on flight tickets with participating airlines through American Express Travel Online:

  • Singapore Airlines
  • Qatar Airways
  • Etihad Airways

Bonus Membership Rewards ®  Points with Singapore Airlines and Scoot

Go far and wide with your Platinum Card. Earn  5 Membership Rewards points  with every full S$1.60 spent with Singapore Airlines or Scoot (equates to 1.95 miles per S$1).

The earn rate of 1.95 miles per S$1 is based on the conversion rate of 400 Membership Rewards points = 250 miles.

The American Express Global Lounge Collection ®

Chill out, tuck in and upgrade your travel experience. Enjoy  complimentary lounge access  to over 1,400 airport lounges across 650 cities in 140 countries for you, your Supplementary Card Member and one guest each.

Participating lounges include:

  • The Centurion ® Lounge
  • International American Express Lounges
  • Delta SkyClub ® Lounges
  • Plaza Premium Airport Lounges
  • Priority Pass™ Lounges

Enrolment is required. Guest access policies may vary internationally by location and are subject to change.

Fine Hotels + Resorts

Create new memories with exceptional value. Explore over 1,300 properties worldwide and bask in  benefits worth up to S$800 . Perks include daily breakfast for two, US$100 experience credit (varies by property), guaranteed 4pm check-out and more.

Participating properties include hospitality brands such as:

  • Relais & Châteaux
  • The Ritz-Carlton

The Hotels Collection

Elevate your getaways at over 700 design-forward properties worldwide. With every stay, look forward to signature benefits including  US$100 experience credit (varies by property)   for qualifying activities like dining or spa treatments and room upgrade, when available.

To receive The Hotel Collection benefits, a min. of two-night stay is required. Certain room categories are not eligible for upgrade.

Hotel Elite Tier Status

Gain instant status with complimentary upgraded membership tiers of our preferred hotel partners’ loyalty programmes, with no minimum stay required:

  • Marriott Bonvoy™ Gold Elite Status
  • Pan Pacific DISCOVERY Platinum Status
  • Hilton Honors Elite Gold Status
  • Radisson Rewards Premium Status

Car Elite Tier Status

Make every car ride memorable with our preferred partners’ loyalty programmes to enjoy special benefits such as savings, upgrades and priority service:

  • Avis President's Club
  • Hertz Gold Plus Rewards ® Five Star

Discover full benefits and its Terms & Conditions at go.amex/myplatinum. Terms & Conditions apply for all mentioned privileges.

* This is the indicative amount of the potential savings and value for The Platinum Card ®  in January 2024 based on the assumptions set out in <go.amex/sgplatinumcard>. The actual amount of savings and value may differ depending on an individual’s actual spending and utilization of The Platinum Card ® . Please note that this indicative amount (as well as the assumptions for such potential savings and value) may be updated from time to time without prior notice. For the avoidance of doubt, this indicative amount does not: (i) amount to a guarantee or undertaking by American Express and/or (ii) constitute part of the Card Member Agreement for The Platinum Card ® .

Platinum Lifestyle

Lifestyle Benefits

(worth S$2,414 * )

Pamper yourself with a  complimentary hotel stay and membership gifts worth more than S$800 upon sign-up or renewal. Participating hotel properties include The Fullerton Hotel Singapore and The St. Regis Singapore.

Explore full list of participating properties at go.amex/platstay.

S$400 Global Dining Credit

With S$400 to use every year at some of the finest restaurants locally and around the world, it’s time to discover your new favourite. Discover our curated collection of over 1,400 restaurants in 20 countries.

Love Dining by Platinum

Explore a world of dining with up to 50% savings off your food bill  at our handpicked selection of Love Dining by Platinum restaurants at some of the finest destinations in Singapore.

Indulge in a little something on the house in the form of complimentary glass of premium pour or complimentary waiver of corkage whenever you dine at a curated Love Dining Experience restaurant to make your experience more memorable.

Chillax by Platinum

Enjoy the finer things in life with  a complimentary drink  on us with purchase at some of the most contemporary bars in Singapore, from bespoke cocktails to fine whisky.

S$400 Lifestyle Credit

Take time off and reconnect with yourself over a glass of wine or a day at the spa with S$400 to use when you make a qualifying spend. Our curated lifestyle partners include:

  • The Ultimate
  • Grand Cru Wine Concierge

S$204 Entertainment Credit

From streaming to reading and live events, get up to S$17 per month (S$204 per year) to spend at over 10 entertainment brands, with your favourite people, on us.

S$150 Fashion Credit

Get a wardrobe refresh at NET-A-PORTER and MR PORTER, with a new Platinum S$150 Fashion Credit . Receive up to S$75 in statement credits, per 6-month redemption period.

Lifestyle Elite Tier Status

Experience an elevated lifestyle as you get on a fast-track for lifestyle loyalty programmes such as Comoclub C5 and Marina Bay Sands’ Sands LifeStyle Prestige memberships .

Parking Privileges at Great World

Have a fuss-free shopping journey with  complimentary parking  at Great World from Fridays to Sundays.

Awaken your senses and pamper yourself with a luxurious spa day. Enjoy  up to 30% off and other privileges  at participating spa partners such as Adeva Spa, Spa Rael, The Ultimate and The Spa by The Ultimate.

Platinum Access

Access Benefits

(worth S$3,002 * )

The Platinum Card®

Tower Club Singapore

Take work to greater heights. Craft your network and bring your vision to life with  complimentary access  to the Members-only Tower Club Singapore, including its restaurants – Atlantic, Ba Xian and Straits Bar.

The Platinum Card®

Regional Golf Programme

Celebrate your wins with a round of golf at over 40 regional greens, with  complimentary green fees  on us whenever you bring paying companion(s).

Enhanced Golf Programme

Enjoy  special benefits  at local golf clubs at City Golfer and Warren Golf & Country Club.

Membership Rewards ®

(worth S$1,000 * )

The Platinum Card®

Membership Rewards Programme

Earn  2 Membership Rewards points  for every S$1.60 spent. Points do not expire and there is no limit to the points you can earn. The more you spend on your American Express Card, the higher your points balance to redeem from a wide range of rewards. 

10Xcelerator by Membership Rewards

Boost your points-earning potential and earn a total of  20 Membership Rewards points  (equivalent to 12.5 miles) for every full S$1.60 spent up to a maximum spend of S$16,000 at Platinum 10Xcelerator Partners.

For all spend in excess of S$16,000, you continue to enjoy a total of  10 Membership Rewards points  (equivalent to 6.25 miles) for every full S$1.60 charged to your Card.

Pay with Points

Free up your cash anytime, anywhere using your Membership Rewards points to cover your recent purchases with a statement credit. 

Membership Rewards Catalogue

Redeem for  eVouchers  across dining, retail and grocery partners from our Membership Rewards catalogue and receive it within 24 hours to use it instantly.

Amex Apple Rewards Store

Upgrade to the latest Apple gadgets and choose to offset your purchase in full or partially with points and enjoy  20% more value  at Amex Apple Rewards Store.

Platinum Service

The Card for peace of mind

The Platinum Card®

Travel Insurance

Stay protected with  comprehensive travel insurance  for you, your immediate family, your supplementary Card members and their immediate family when you book travel with your Platinum Card.

Purchase Protection

Enjoy peace of mind against  accidental theft or damage, returns or extended warranty  for items purchased on your Platinum Card.

Global Assistance

Should you need emergency assistance while travelling, we can provide immediate personal advice over the phone:

  • Travel Emergency Assistance  - Should the unforeseen happen during your travel, you will have access to emergency services such as worldwide medical and legal assistance.
  • Home Assist  - For urgent situations around the house, we will arrange an emergency callout to assess and fix any problem.
  • Roadside Assist  - With Roadside Assist, we offer around-the-clock help whenever you are on the road.

Annual Fee of S$1,744 (incl. of 9% GST).

Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

The American Express ® Singapore Airlines KrisFlyer Ascend Credit Card

✔ Receive a  27,800 KrisFlyer miles  with annual fee payment and min. spending of S$1,000 within 30 calendar days of Card approval. ✔ Earn  1,200 KrisFlyer miles  based on the S$1,000 spent above (based on 1.2 KrisFlyer miles per S$1 spent locally).

Apply between 1 Apr 24 to 29 May 24.

Receive approval between 1 Apr 24 to 3 Jun 24.

✔ Receive  17,800 27,800 KrisFlyer miles  with annual fee payment and min. spending of S$1,000 within 30 calendar days of Card approval. ✔ Earn  1,200 KrisFlyer miles  based on the S$1,000 spent above (based on 1.2 KrisFlyer miles per S$1 spent locally).

Apply between 5 Apr 24 to 29 May 24.

Receive approval between 5 Apr 24 to 3 Jun 24.

Additionally, receive S$20 eCapitaVouchers if you provide consent for direct marketing when you apply. Valid till 29 May 24.

  • Welcome Bonus: 5,000 KrisFlyer miles upon first transaction on Card (for first-time American Express Singapore Airlines Credit Card applicants).
  • Earn 3.2 KrisFlyer miles  for every S$1 spent on Grab Singapore transactions, up to S$200 spend in each calendar month.
  • Enjoy  complimentary one night stay  at participating Hilton properties each year.
  • Enjoy  four complimentary lounge access passes  to any participating SATS Premier and Plaza Premium Lounge each year.
  • From 1 Feb till 31 May 2024, new and existing American Express Singapore Airlines KrisFlyer Ascend Credit Card Members can be fast tracked to KrisFlyer Elite Gold  with S$12,500 on  all eligible purchases , including a minimum spending of S$2,500 on eligible Singapore Airlines ticket purchases on the SingaporeAir mobile app or  singaporeair.com  (including ticket purchases via Pay Small, an instalment payment plan by American Express). T&Cs apply. Find out  more .
  • Enjoy  Double KrisFlyer Miles Accrual Voucher  (capped at 5,000 bonus KrisFlyer miles) with min. spending of S$15,000 on eligible purchases made on singaporeair.com from 1 July 2023 to 30 June 2024.

Annual Fee of S$343.35 (incl. of 9% GST).

Card Member Agreement and Benefit Terms and Conditions .

The American Express ® Platinum Credit Card

Milelion Exclusive Offer

✔ Receive 2,500 Membership Rewards ®  points with annual fee payment and min. spending of S$1,000 within 30 calendar days of Card approval.

✔ Receive  S$200 eCapitaVouchers 58,750 Membership Rewards ® points  with annual fee payment and min. spending of S$1,000 within 30 calendar days of Card approval.

✔ Earn 1,250 Membership Rewards ®  points  based on the S$1,000 spent above (based on 2 Membership Rewards ®  points for every S$1.60 spent).

  • Own your style in your favourite brands or step up to the foodie life with up to  S$200 Lifestyle Credit.
  • Enjoy up to 50% savings on dining at 5-star hotels & restaurants.
  • Enjoy a complimentary drink with purchase of at least one item from the merchant’s menu at over a dozen fashionable bars in Singapore.
  • Skip the S$15,000 qualification spend and enjoy a complimentary  12-month C4 tier Comoclub membership.

Card applicaton is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Platinum Dining

Lifestyle Credits

Enjoy up to 50% off  on your food bill and S$200 Lifestyle Credit to use at our specially curated selection of 5-star hotels and restaurants.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/lovedining.

How it works

*35% savings when dining with two (2) friends and 15% savings when dining alone apply to Singapore Marriott Tang Plaza Hotel, The St. Regis Singapore and W Singapore – Sentosa Cove only. 33% savings when dining with two (2) guests and 10% savings apply when dining alone at Fairmont Singapore and Swissôtel The Stamford.

Love Dining

Lifestyle Credits

Lifestyle Credits

Own your style in your favourite brands or step up to the foodie life with up to  S$200 Lifestyle Credit .

Spend S$100 or more in a single transaction with participating partners and get back S$100 in statement credits each time. Valid for 2 redemptions a year, once per defined calendar period (January to June, July to December).

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/sgplatcclifestyle.

chillax

Enjoy 1-for-1 first drink or a complimentary drink with purchase at some of the most bespoke bars in Singapore which include Anti:Dote, The Auld Alliance, Tipsy Flamingo and many more.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/chillax.

Chillax

Skip the S$15,000 qualification spend and enjoy a complimentary 12-month C4 tier Comoclub membership .

Earn 4 Comocredits per S$1 spent across the COMO Group and its partners spanning fashion, dining, travel, wellness and more. Plus, gain access to:

  • curated experiences
  • limited-edition items
  • invitation-only events

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/sgplatgcomoclub.

Platinum Wellness

Chillax

Pamper yourself at your favourite spa with up to  25% off  all à la carte spa services. Spa partners include The Ultimate, Spa Rael and Adeva Spa.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/platinumspa.

Platinum Golf

Chillax

Enjoy  complimentary green fees  and privileged access to over 40 golf clubs in Singapore, Cambodia, Philippines, Malaysia, Indonesia, Thailand and Vietnam.

Enjoy  special benefits  at CityGolfer and Warren Golf & Country Club.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/golfcc and go.amex/enhancedgolfcc.

Platinum Rewards

Love Dining by Platinum

You'll be sure to find something perfect for yourself or someone special.

How You Earn

10 MEMBERSHIP REWARDS POINTS at Platinum 10Xcelerator Partners

2 MEMBERSHIP REWARDS POINTS on all other purchases

mr

Boost your points-earning potential to 10 Membership Rewards points  for every full S$1.60 spent at over 50 participating partners.

Your points never expire + there is no limit to the points you can earn.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/10xceleratorsg.

How To Redeem

mr

Free up your cash using your Membership Rewards points to pay or part-pay for all your eligible purchases.

Pay with Points+

Enjoy  1,000 Membership Rewards points = S$6 off  for purchases at over 80 participating partners.

Enjoy  1,000 Membership Rewards points = S$4.80 off  for all other purchases.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/sgpwp.

Shop with Points

mr

Level up your online shopping with Points.

From the everyday to the extraordinary, shop with points online and pay for almost anything instantly when you check out via Amex SafeKey ® with eligible partners and enjoy  S$5 off per 1,000 points  redeemed.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/sgshopwithpoints.

Travel with Points

mr

Use your points to travel around the globe.

Book your next trip with  Amex Travel Online  and pay your flights, hotels, car-rental or package with points. Plus get access to exclusive travel benefits and offers.

You can also choose to  redeem flights or hotel stays  with our Airline and Hotel transfer partners.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/sgtravelwithpoints.

Redeem with Points

mr

Gifts for your loved ones or reward yourself with eVouchers.

Redeem your points for  eVouchers  from as low as 2,200 points and take your pick from a variety of merchants across dining, groceries, lifestyle from our rewards redemption catelogue.

Receive your eVouchers  within 24 hours  of redemption to use it for your spend at your chosen merchant.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/sgevoucher.

Shop Apple with Points

mr

Upgrade your gadgets at Amex Apple Rewards Store.

Shop for the latest Apple products with points and enjoy  20% more value  when you offset your purchase with points, now at  S$6 per 1,000 points  redeemed.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/sgapplerewards.

Peace of Mind

peaceofmind

Platinum Financial Benefits

Take a load off your mind with our range of financial services, including Travel Accident Insurance , Fraud Protection and American Express Global Assist TM .

No Worries Guarantee

With 90-days return guarantee , even if the store does not accept, you can return almost any purchase made in Singapore for a refund up to S$800 per item. 90-days purchase protection automatically insures your purchases against accidental damage or theft, up to S$10,000 per incidence of theft of damage.

T&Cs apply. Discover full benefits and its Terms & Conditions at go.amex/platinumwithyou.

  • Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Canada: What You Need To Know Before You Go

Updated: Apr 30, 2024, 1:13pm

Table of Contents

Do you need travel insurance for canada, what type of travel insurance do you need, what does travel insurance for canada cover, what does travel insurance exclude, best travel insurance for canada, frequently asked questions (faqs).

From hiking trails in Ontario to traversing the slopes of the famous ski resort town of Whistler, there is no shortage of places to visit in Canada.

The vast North American country is a popular destination for travel-loving Aussies. In addition to a growing share of business travelers, more than 350,000 Australian tourists typically visit Canada each year.

While visitor numbers faded during the Covid-19 pandemic, the multitude of Australians heading to the Great White North has picked up in the last two years, particularly to experience the country’s stunning landscape.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

amex travel insurance milelion

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

amex travel insurance milelion

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Travel insurance for Canada isn’t compulsory, but it’s highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness such as Covid-19 or bereavement, and to cover medical expenses.

The Australian Government’s Smartraveller website recommends that travellers purchase travel insurance before any overseas trip.

As in any foreign country, medical care in Canada can be expensive for visitors, with a visit to a doctor potentially setting you back by hundreds of dollars.

The Australian government won’t cover these costs, and there is no reciprocal healthcare agreement between Australia and Canada, so you aren’t covered by Australian Medicare either.

In addition, given the large geography of the country covering a variety of destinations from beaches to mountains to national parks, it is wise to hold insurance cover for a multitude of events and a variety of potential risks including natural disasters, crime or other types of emergencies.

International travel cover for Canada is generally available in the following ways:

Basic travel insurance

This type of policy is broadly focused on cover for unlimited overseas emergency medical expenses, but also includes insurance for luggage, personal liability and other essential benefits. It is usually the cheapest option available and is suitable for those traveling on a budget or for single trips.

Comprehensive travel insurance

This type of insurance typically includes higher amounts of cover for the essentials benefits such as medical expenses, luggage, personal liability, and so on. In addition, it includes cover for travel delays, rental vehicle excess, loss of passports and credit cards, hijacking, disability, accidental death, and more, depending on your policy.

Some insurers offer variations of the comprehensive policy that are suitable for multiple trips within a 12-month period.

Optional add-on policies

Given the growing number of Australians heading to Canada for cruises, road trips or to the ski slopes, some insurers have come up with add-on policies specifically tailored for a variety of adventure sports and transport options available. These include cruise packs, winter sports packs and even higher cover for rental vehicles.

Related: How Much Does Travel Insurance Cost?

Most international travel insurance policies will cover medical and hospital expenses, ambulance transportation, repatriation flights, as well as personal liability if you injure someone, or damage property while you’re in the country.

Policies will also cover, within limits, lost or delayed luggage and possessions, the costs of trip delays, interruptions or cancellations, and lost or stolen travel documents.

Comprehensive policies usually offer a broader cover to include personal accident cover in case of an injury during your trip that leads to permanent disability or death, and insurance excess payment if your rental car meets with an accident.

If you are planning to take advantage of Canada’s vast offering of adventure sports and activities, make sure these are covered by your policy—or that there is an option to add it on.

Most comprehensive policies will include popular sporting and leisure activities such as hiking, surfing, kayaking, and so on. However, more extreme activities such as skydiving, scuba diving, snow skiing or snowboarding will generally require an additional adventure sports cover at extra cost.

Most travel insurance policies to Canada will not provide cover in the following cases:

  • Illegal activities: Insurers will reject any claims arising if you knowingly act illegally or dangerously.
  • If you are under the influence: Insurance cover is specifically void if you cause a disturbance through drunken behaviour or under the influence of drugs.
  • Unattended luggage: Insurers will ignore any claim for loss if your luggage is stolen while it was left unattended in public.
  • Pre-existing medical conditions: Insurers can avoid claims for any major medical conditions, if they have not been made aware of these before taking out a policy.
  • Extreme sports: International travel insurance policies generally don’t provide automatic coverage for things like extreme sports, snowboarding or surfing. An optional add-on cover is required for these activities.

Most travel insurers in Australia offer insurance policies for travel to Canada. What policy suits you best will depend on your requirements including duration, age, and the type of cover.

It will also be determined by your specific needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our leading picks of travel insurance policies for Australians . However, always consider whether or not they include the extras you will require for your trip, and any pre-existing medical conditions you would require cover for.

Featured Partners

Do I need travel insurance to travel to Canada?

Travel insurance for Canada isn’t mandatory, but is highly recommended.

The Australian Government urges travellers to purchase travel insurance before any overseas trip, especially for medical cover.

Medical costs can be extremely expensive in a foreign country, especially if you have to visit a doctor, dentist or hospital in an emergency, so travel insurance is very handy.

Does my visa card have travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. In addition, this may not cover all circumstances or emergencies. By comparison, a travel insurance policy will offer more comprehensive coverage that includes emergency medical expenses.

  • Best Comprehensive Travel Insurance
  • Best Seniors Travel Insurance
  • Best Domestic Travel Insurance
  • Best Cruise Travel Insurance
  • Best Family Travel Insurance
  • Travel Insurance Cost
  • Pregnancy Travel Insurance Guide
  • Travel Insurance Cancellation Cover
  • Travel Insurance For Bali
  • Travel Insurance For Fiji
  • Travel Insurance For The USA
  • Travel Insurance For Thailand
  • Travel Insurance For New Zealand
  • Travel Insurance For Japan
  • Travel Insurance For Europe
  • Travel Insurance For Singapore
  • Travel Insurance For Indonesia
  • Travel Insurance For Vietnam
  • Travel Insurance For South Africa
  • Cover-More Travel Insurance Review
  • Fast Cover Travel Insurance Review
  • Travel Insurance Saver Review
  • Allianz Comprehensive Travel Insurance Review
  • 1Cover Comprehensive Travel Insurance Review
  • Australia Post Comprehensive Travel Insurance Review
  • Tick Travel Insurance Review

More from  

Top travel insurance tips for australians, our pick of the best comprehensive travel insurance providers in australia, do frequent flyer points expire, travel insurance for south africa: everything you need to know, travel insurance for vietnam: everything you need to know, tick travel insurance top cover review: features, pros and cons.

Prashant Mehra is a freelance journalist based in Sydney. He has more than 20 years of international experience covering financial news, including with Reuters and the Australian Associated Press (AAP). He writes about business, markets, the economy and investing.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

AXA Travel Insurance Review — Is it Worth It?

Jessica Merritt's image

Jessica Merritt

Editor & Content Contributor

86 Published Articles 489 Edited Articles

Countries Visited: 4 U.S. States Visited: 23

Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

34 Published Articles 3166 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

AXA Travel Insurance Review — Is it Worth It?

Why Get Travel Insurance?

Travel insurance and covid-19, types of policies available with axa, how to get a quote, axa vs. credit card travel insurance, axa vs. other travel insurance companies, how to file a claim with axa travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling the world or crossing state lines, travel insurance such as the policies offered by AXA Travel Insurance can offer a safety net in case you have to cancel or interrupt your trip or need support along the way for medical emergencies, lost bags, or missed connections.

For more than 60 years, AXA Travel Insurance has provided peace of mind and financial stability to travelers. With solid ratings and underwriting by Nationwide Mutual Insurance, travel insurance plans sold by AXA are backed by an A.M. Best Excellent financial strength rating. AXA offers travel insurance with trip interruption and cancellation coverage, medical emergency and evacuation benefits, lost or delayed baggage, and more.

Let’s examine AXA’s travel insurance coverage options, benefits, and service and compare it to alternatives such as credit card travel coverage and other travel insurance providers.

Travel insurance can protect what you’ve invested in an upcoming trip. When the unexpected occurs, such as a trip cancellation or medical need , travel insurance can offer the benefits you need to cover it.

You might choose travel insurance for these reasons:

  • Your trip has deposits or payments that you can’t get refunded if you need to cancel your trip.
  • The health insurance you use at home doesn’t work at your destination.
  • You’re planning activities that aren’t covered by your health insurance.
  • Medical care is subpar at your destination and you may need to be evacuated to another location with adequate medical facilities.
  • You’re concerned about the possibility of lost bags, delays, or missed connections, especially if you have multiple flights or transfers.

Travel insurance isn’t necessary for every trip, such as if you’re traveling domestically where your health insurance works and you don’t have major nonrefundable expenses. But travel insurance is worth it if you’ve got a lot of nonrefundable expenses invested in your trip or you’ll need medical coverage at your destination.

COVID-19 can interrupt your travel plans, whether you get sick and have to cancel a trip, need to quarantine or get medical treatment while traveling, or plan to visit a destination with high COVID-19 numbers. While some travel insurance companies  exclude COVID-19 from insurance coverage , AXA offers COVID-19 coverage as part of its travel protection plans , including trip cancellation and trip interruption and emergency medical and evacuation coverage.

Ambulance and gurney

Why Purchase Travel Insurance From AXA?

Any travel insurance company you purchase a policy from should be reputable, reliable, and stable. After all, you’re relying on the company to be there for you when you need it most. It pays to verify reviews and ratings — AXA offers good reassurance in this area.

With 64 years in business, AXA has an A- Better Business Bureau rating . On the travel insurance website Squaremouth , AXA has an overall 4.22/5 rating , with 0.1% negative reviews among more than 69,000 policies sold . AXA’s travel insurance plans are backed by Nationwide Mutual Insurance, which has an A (Excellent) financial strength rating from financial rating company A.M. Best. With 6 decades in business and solid ratings , AXA is a travel insurance company you can trust.

AXA offers travel insurance with medical and emergency evacuation benefits, trip cancellation and interruption, baggage loss, and Cancel for Any Reason (CFAR) options. Let’s look at the details of AXA travel insurance policies.

AXA offers 3 levels of travel insurance : Silver, Gold, and Platinum . Each level offers different limits, but all of AXA’s policies have 100% trip cancellation coverage, emergency medical coverage and medical evacuation, baggage delay and loss, and missed connection coverage.

Let’s compare what you get with each policy:

With plans as low as $16 and minimal coverage, AXA recommends the Silver plan for domestic travel. You can cover 100% of your trip cost for trip cancellation and interruption coverage. If your travel is delayed, you can get up to $100 per day for expenses, up to $500 total, and $200 for delayed baggage.

There’s also $500 in missed connection coverage. The $25,000 in emergency medical expense coverage isn’t much, but it might be adequate for domestic travel if you’re using your primary health insurance first.

Gold plans start at $36 but add more coverage and are appropriate for cruises or Schengen travel . Like the Silver plan, the Gold plan offers up to 100% trip cancellation coverage but bumps trip interruption to 150% of your trip cost. Limits for all coverages are higher, with $200 per day and $1,000 maximum in trip delay coverage and $1,000 for missed connections. Baggage delays offer up to $300, and you can get up to $1,500 for lost baggage and personal effects.

The health coverage is also much higher at $100,000, and it adds a $50,000 non-medical emergency evacuation option on top of the $500,000 medical emergency evacuation benefit. This plan also offers an optional $35,000 collision damage waiver.

The Platinum plan , starting at $52, steps up coverage and offers additional options. You’ll get 100% trip cost coverage for trip cancellation and 150% for trip interruption. Trip delay coverage offers up to $300 per day and a $1,250 maximum, plus $600 for baggage delays and $3,000 for lost baggage and personal effects.

Emergency medical treatment is also higher at $250,000, and you’re covered for $1 million in emergency medical evacuation — $100,000 for non-medical evacuation.

The Platinum plan also offers additional coverage for sports, with $25 per day for lost skier days, $500 for lost golf rounds, and $1,000 for sports equipment rental. It also offers optional coverage for up to 75% of trip cost with Cancel for Any Reason coverage and a $50,000 collision damage waiver.

You can get a quote directly from AXA by visiting the AXA Travel Insurance website . The quote form is the first thing you’ll see on the homepage.

To start your quote, you’ll fill out the quote form, including your state of residence, destination country, travel dates, first deposit date, total trip cost, number of travelers (up to 10), and the age of travelers.

AXA travel insurance get a quote

Once you fill out the form, you’ll be presented with plan options. For a 60-year-old visiting Japan and spending $2,500, we were offered a Silver ($155), Gold ($183), or Platinum ($218) plan .

AXA travel insurance quotes

If you select a Platinum plan, you will be able to add CFAR optional coverage for up to 75% of your trip cost.

AXA travel insurance CFAR add on

With your plan and options selected, the next and final step to secure coverage is entering your traveler information including your name and contact information, then making your payment for the policy.

AXA travel insurance checkout

How AXA Compares — Summary

AXA is a good option for travel insurance, but it’s not your only option. Let’s see how AXA compares to the coverage you can get from popular travel credit cards and travel insurance competitors .

Many travel credit cards offer travel insurance as a complimentary benefit, whether it’s car rental collision waivers , trip cancellation coverage , or emergency medical and evacuation benefits. This coverage can be helpful if you’re using your card to pay for your travel expenses, but it’s often not as comprehensive as the coverage you can get from a travel insurance policy like what AXA offers .

Let’s compare AXA’s best travel insurance policy against The Platinum Card ®  from American Express  and the  Chase Sapphire Reserve ® , which both offer some of the best travel protections available with credit card benefits.

Unless you’re taking a trip with expenses higher than $10,000, the trip cancellation coverage should be about the same whether you’re using an Amex Platinum card, Chase Sapphire Reserve card, or the AXA Platinum plan. However, the AXA Platinum plan comes out ahead with 150% of your trip cost for trip interruption.

We see a major difference in coverage for emergency medical treatment and evacuation. The Amex Platinum card doesn’t offer emergency medical coverage, but you can arrange an emergency medical evacuation using the Premium Global Assist Hotline. The Chase Sapphire Reserve card offers up to $2,500 in emergency medical coverage and $100,000 for emergency evacuation. Neither of these offerings compares to the $250,000 in emergency medical coverage and $1 million in emergency medical evacuation coverage you can get from AXA Platinum.

Credit card travel insurance coverage is complimentary if you already have the card, but it is lacking in some areas. It’s a good idea to use your card’s travel insurance as a backup for trip cancellation, interruption, travel delays, or lost baggage, but use the AXA Platinum plan for its superior emergency medical and evacuation coverage.

It’s always a good idea to compare travel insurance quotes across multiple providers so you can find the best price and coverage. We used Squaremouth , a travel insurance comparison website, to see how AXA’s policies compare to those of other companies.

As with the initial price quotes we pulled from AXA’s website, our sample trip on Squaremouth had:

  • Traveling to Japan a month from now
  • Trip cost: $2,500
  • Initial trip deposit paid within the last 24 hours
  • State of residence: Texas

We limited results to policies that offer at least as much coverage as the AXA Platinum policy does on major benefits:

  • COVID-19 coverage
  • Minimum $250,000 emergency medical benefit
  • Minimum $1 million emergency medical benefit
  • 100% trip cancellation
  • 150% trip interruption

Each policy offered nearly identical coverage for these major benefits, and Tin Leg ‘s Silver plan had the lowest cost at $164.35, followed closely by $165.84 from HTH Worldwide ‘s TripProtector Classic plan.

AXA Squaremouth alternatives

If you’re mainly concerned with full coverage for trip cancellation and interruption along with $250,000 in emergency medical and $1 million for emergency medical evacuation, you can save if you go with Tin Leg .

However, the higher-priced policies offer additional coverage and options. For example, AXA Platinum offers the option to add Cancel for Any Reason coverage and includes sports equipment rentals and missed ski days or golf rounds. Tin Leg doesn’t have missed connection coverage, but Seven Corners Trip Protection Choice and AXA Platinum offer up to $1,500 for missed connections on cruises or tours.

All of the policies we quoted except for Tin Leg Silver offer employment layoff as a covered cancellation reason, and AXA Platinum allows you to cancel your trip for work reasons, though none of the other policies do. AXA Platinum also offers $100,000 in non-medical evacuation , which Tin Leg Silver and HTH Worldwide TripProtector Classic policies do not, and is much higher than the $20,000 benefit offered by the Seven Corners Trip Protection Choice policy.

AXA Platinum has a higher cost than competitors but offers more robust coverage. If you’re mainly concerned with major coverage for trip cancellation and interruption, emergency medical, and emergency evacuation, other travel insurance companies may offer a better quote. But if you want additional coverage and options such as non-medical evacuation and expanded cancellation reasons, check out the details on what AXA Platinum offers.

You can file a claim with AXA in a few ways:

  • Using the claim administrator portal

AXA travel insurance file a claim

If you’d like to file your claim online, you can visit the portal for Co-Ordinated Benefit Plans and enter your policy number and last name to get started.

AXA travel insurance claims administrator portal

Alternatively, you can call AXA toll-free at 888-957-5015 or collect at 727-450-8794 .

If you’d like to submit your claim via email or mail, you can download claim forms on the AXA website.

AXA travel insurance online claim forms

Once you download the claim form, you’ll get a list of documents required for submitting your travel insurance claim, along with mail or email info. For example, on a trip interruption claim form, AXA requires you to send in:

  • Completed claim form
  • Policy verification
  • Booking confirmation, such as a ticket or proof of purchase
  • Your original unused, nonrefundable tickets
  • Your new ticket with confirmation of early return
  • A cancellation statement from travel suppliers
  • A medical report or physician statement if you interrupted the trip due to medical necessity
  • Death certificate, if applicable
  • Documentation of circumstances that led to trip interruption
  • Documentation of reimbursement request expenses, such as receipts or credit card statements

You can email the form and other required documents to [email protected] or mail to:

AXA Assistance USA On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies P.O. Box 26222 Tampa, FL 33623

AXA Travel Insurance is a reliable option with more than 6 decades of experience and solid ratings. There are 3 levels of coverage to choose from — Silver, Gold, and Platinum — that offer varying levels of coverage and options. AXA Travel Insurance isn’t the cheapest option, but it offers robust coverage options and reputable service, so it can be a good choice if you’re looking for enhanced travel protection.

For the premium global assist hotline benefit of The Platinum Card ® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. 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.

For the car rental loss and damage insurance benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip delay insurance benefit of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

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

Frequently Asked Questions

Does the axa silver travel insurance plan provide coverage for a safari.

Yes, AXA’s travel insurance policies offer coverage for safaris, including emergency medical expenses. Safaris are under the sports and activities covered for emergency medical and repatriation costs and personal accidents.

Is AXA travel insurance worth it?

AXA travel insurance can be worth it if you need coverage for significant nonrefundable expenses or your health coverage doesn’t extend to your destination. Competitors may offer lower cost policies for similar major coverage, but AXA may have greater policy options, so it’s a good idea to compare your options.

Is AXA travel insurance good for a Schengen visa?

AXA recommends its Gold plan or higher for Schengen travel.

Is AXA an international insurance?

Yes, you can use AXA for international travel , with coverage for countries in Europe, Asia and Pacific islands, the U.S. and Canada, Africa and the Middle East, Latin America, and the Caribbean.

Was this page helpful?

About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

INSIDERS ONLY: UP PULSE ™

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

amex travel insurance milelion

14 Best Travel Credit Cards of May 2024

Best travel cards main takeaways.

  • Money has evaluated hundreds of credit cards, comparing their fees, benefits, welcome offers, travel insurance policies and more.
  • The top credit cards for travel offer high rewards on travel purchases, which can be redeemed for airfare, hotel nights, cash back, statement credits or more.
  • Our picks feature the best travel cards for every budget and include no-annual-fee, low-annual-fee, premium and business cards.

Why Trust Us?

Our editorial team has spent well over a thousand hours analyzing, evaluating and comparing the top credit card offers in the market. We carefully vet each card’s fine print in order to understand their features, limitations and potential benefits for consumers. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

  • 46 travel credit cards evaluated
  • 10+ data points used, including ongoing fees, reward programs and welcome offers
  • 100+ sources reviewed

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. This site does not include all card companies or all available card offers. O ur top picks are listed strictly in alphabetical order.

Our Top Picks for Best Travel Credit Cards

Best no-annual-fee travel credit cards.

  • Bank of America® Travel Rewards Credit Card – Best no-annual-fee travel card for flat rate rewards
  • Bilt Mastercard® – Best no-annual-fee travel card for paying rent
  • Capital One VentureOne Rewards Credit Card – Best no-annual-fee card for travel partners
  • Chase Freedom Unlimited® – Best no-annual-fee travel card for domestic travel
  • Discover it® Miles – Best no-annual-fee travel card for simple rewards
  • Wells Fargo Autograph℠ Card – Best no-annual-fee travel card for everyday spending

Best low-fee-annual-fee travel credit cards

  • Capital One Venture Rewards Credit Card – Best travel card for flat-rate rewards
  • Chase Sapphire Preferred® Card – Best travel card for flexible rewards

Best premium travel credit cards

  • American Express® Gold Card – Best travel card for dining
  • Capital One Venture X Rewards Credit Card – Best low-cost premium travel card
  • Chase Sapphire Reserve® – Best premium travel credit card
  • The Platinum Card® from American Express – Best travel card for lounge access

Best business travel credit cards

  • The Business Platinum Card® from American Express – Best business travel card

Best airline travel credit cards

  • United℠ Explorer Card: Best airline credit card

Best Travel Credit Cards Reviews

Our top picks are listed in alphabetical order.

Best No-Annual-Fee Travel Credit Cards

  • No annual fee
  • No foreign transaction fees
  • Earns 1.5x points on all purchases
  • No bonus category for travel
  • Few benefits compared to other cards
  • Limited redemption options

Why we chose it: The Bank of America® Travel Rewards Credit Card is an easy-to-use card best suited for travel reward beginners or those who are already Bank of America customers.

Some cardholders can earn up to 75% more points if they are Bank of America Preferred Rewards members — that’s up to 2.62 points for every dollar spent.

However, the card doesn’t offer hotel and airline point transfer partners, travel insurance or extended warranty and purchase protection. Additionally, you can only redeem your points as statement credit to cover travel and dining purchases.

All information about Bank of America® Travel Rewards Credit Card has been collected independently by Money.com

  • No annual or foreign currency conversion fee (Click herehttps://www.wellsfargo.com/credit-cards/bilt/terms/">here; for rates and fees)
  • Use it to pay your rent and earn rewards without incurring any processing fees
  • You can earn double points on all purchase categories (except rent payments) on the first of every month (up to 10,000 points)
  • Earn 2x points on travel (when booked directly through an airline, hotels, car rental agencies and cruise lines)
  • No welcome bonus or introductory APR period
  • Points redeemed for statement credits are worth 0.55 cents each
  • You must make at least five transactions in a statement period to earn points
  • Rent payments can only be made to one rental property per month

Why we chose it: The Bilt Mastercard® lets you earn travel rewards on rent payments without incurring any processing fees — unlike most credit cards that typically charge around 2.5% to 2.9% per rent payment.

You can use the card to pay rent without worrying about surcharges. Once you get approved for the card, all you have to do is set up an account through the Bilt app or website and use your assigned routing and account number to pay rent through your usual payment portal. You can also use your card even if your landlord only accepts checks, and Bilt will send a check on your behalf.

Additionally, Bilt doubles the card’s rewards rates on the first of every month, which means you can earn 6x points on dining, 4x points on travel and 2x points on other purchases (up to 10,000 points per month). However, this bonus doesn’t apply to rent rewards.

On the downside, the Bilt Mastercard® doesn’t offer a welcome bonus, and points redeemed for statement credits are only worth 0.55 cents each.

  • Can transfer your miles to 16 travel partners
  • Earns 5x miles per dollar on hotels and rental cars booked through Capital One Travel
  • Doesn't earn bonus points on airfare
  • No domestic travel partners

Why we chose it: The Capital One VentureOne Rewards Credit Card is a great option if you’re looking for a no-annual fee travel credit card with a simple rewards structure.

You can use your miles to book travel through the Capital One Travel portal or as a statement credit to cover travel purchases made from airlines, hotels, rail lines, car rental agencies and more.

You can also transfer your points to one of Capital One’s 16 travel partners, which include international airlines such as Avianca and British Airways. This option is notable since travel credit cards with no annual fee don’t typically offer the option to transfer your reward to airline and hotel partners.

However, the card’s list of bonus categories is limited compared to some other no-annual-fee credit cards, and Capital One doesn’t offer bonus points on airfare booked through Capital One Travel.

  • Includes trip cancellation/interruption and car rental insurance
  • Features a high flat cash back rate combined and popular bonus categories
  • 3% foreign transaction fee

Why we chose it: The Chase Freedom Unlimited® is the best credit card for traveling domestically. It offers a 1.5% flat cash back rate on most purchases plus it has several appealing bonus categories, including travel and dining.

This card charges a 3% foreign transaction fee, that is, on any transactions made in currency other than US dollars. However, if you mostly travel within the U.S., this card is an excellent option.

For one, you’ll earn an additional 1.5% on each of the card’s bonus categories during the first year of card membership (or up to the first $20,000 spent).

Also, although using this card abroad is not recommended, you can still use it to book international trips while you’re home, and you’ll earn 5% cash back if you book it through Chase Travel℠.

You can redeem your rewards for cash back, travel, gift cards and even transfer them to other cards that earn Chase Ultimate Rewards® points. It’s also worth noting that this card is one of the few no-annual-fee credit cards with rental car coverage and trip cancellation and interruption insurance.

  • No annual or foreign transaction fees
  • Discover matches the total miles you earned at the end of the first year
  • Earns 1.5x miles on all purchases
  • See your FICO score on the Discover mobile app, online and on statements
  • Few benefits compared to other travel cards
  • Doesn't include extended warranty or purchase protection

Why we chose it: The Discover it® Miles Credit Card is a no-frills card ideal for travelers who don’t want to keep track of bonus categories, earning caps or redemption values.

The card earns a flat 1.5x miles on all eligible purchases without any annual caps. You can redeem your miles for statement credits and account deposits at a rate of 1 cent per mile. You can also use your rewards through Amazon and PayPal checkout with the same value.

Also, the card’s welcome bonus is easily one of the best in the market: Discover matches every mile you’ve earned at the end of your first membership year — without any spending requirements.

However, while the Discover it® Miles Credit Card is a great starter travel card, its lack of bonus categories could hinder your reward-earning potential in the long run. Additionally, Discover cards aren’t as widely accepted internationally as Visa Signature and World Mastercard, for example.

All information about the Discover it® Miles Credit Card has been collected independently by Money.com.

  • Earn 3x points on restaurants, travel, gas stations, select streaming services and cell phone plans
  • Includes cell phone protection plan
  • No airline or hotel transfer partners
  • Doesn't include travel insurance
  • Netflix and HBO are not eligible for streaming bonus

Why we chose it: The Wells Fargo Autograph℠ Card is the best travel reward card for everyday spending, offering high rewards on several popular spending categories, including travel, dining, gas, streaming services and cell phone plans.

Its travel bonus category is particularly noteworthy because you can earn points regardless of where you make your reservations, whether it’s directly with an airline or through a third-party travel site like Booking.com. (Most travel credit cards limit travel rewards to bookings made exclusively through the card issuer’s travel portal.)

The card also includes rental car insurance and a cell phone protection plan when you use it to pay your monthly bill.

All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com.

Best Low-Annual-Fee Travel Credit Cards

  • Earn 2x miles per dollar on most purchases
  • Up to $100 credit for Global Entry or TSA PreCheck(R)
  • Includes travel accident and car rental insurance
  • Fewer bonus categories than other cards with a similar annual fee ($95)
  • Doesn't offer travel rewards for flights
  • Car rental insurance is secondary

Why we chose it: The Capital One Venture Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories and spending caps.

You can redeem your miles on the Capital One travel portal and as statement credits to cover travel purchases at a value of one cent per mile. Additionally, you may transfer your miles to more than 15 airline and hotel partners.

However, keep in mind that Capital One doesn’t have domestic travel partners, which can be a drawback if you mainly travel within the U.S.

  • Points are worth 25% more when redeemed for travel purchases through Chase TravelSM
  • Receive a point bonus each account anniversary
  • Includes primary rental car insurance
  • Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases
  • $95 annual fee
  • Doesn't offer a Global Entry/TSA PreCheck(R) application fee credit

Why we chose this card: The Chase Sapphire Preferred® Card is the best travel credit card for frequent travelers who want to earn valuable rewards while paying a low annual fee.

The card features six reward categories that offer outstanding rewards on flights, hotels, restaurants and more. You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through the Chase Travel℠ portal, which increases your point’s usual one-cent value by 25%.

You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through Chase Travel℠, which increases your point’s usual one-cent value by 25%.

You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt.

Best Premium Travel Credit Cards

  • Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S.
  • Up to $120 in annual dining credits, issued as a $10 statement credit per month for select restaurants (enrollment required)
  • Up to $120 as Uber Cash annually ($10 per month) for food delivery orders and rides in the U.S. after you add the American Express(R) Gold Card to your Uber account
  • Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x)
  • High annual fee ($250)
  • Includes few travel perks and insurance policies compared to similarly priced cards

Terms apply. Please click here for applicable rates and fees.

Why we chose it: The American Express® Gold Card is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.)

The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include:

  • Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required)
  • Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the American Express® Gold Card to your account)
  • $100 credit for dining, spa services and other activities when you book a two-night minimum stay at a hotel from The Hotel Collection through American Express Travel
  • Terms apply

However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck® or CLEAR® Plus fee credits.

  • 10,000 bonus miles every year
  • Statement credit of up to $300 for bookings made through Capital One Travel
  • Up to a $100 credit on Global Entry or TSA PreCheck(R)
  • Skip the line and get car upgrades when renting a car with Hertz
  • High annual fee ($395)
  • Fewer bonus categories than other premium cards
  • No domestic airline transfer partners

Why we chose it: The Capital One Venture X Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture X also includes noteworthy perks such as:

  • 10,000 bonus miles every year (starting on your first anniversary)
  • $300 annual credit for bookings through Capital One Travel
  • Up to a $100 credit for Global Entry or TSA PreCheck®
  • Access for you and two guests to 1,300+ lounges worldwide with Priority Pass™ Select and Plaza Premium Group
  • Authorized users at no extra cost (many cards have an annual fee of $75 or more for each additional user)

All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee.

  • Up to $300 in statement credits each anniversary year to cover travel purchases
  • Transfer your points to 14 travel partners (including United, Southwest, JetBlue and Marriott)
  • Points worth 50% more when redeemed for travel expenses through Chase TravelSM
  • Comprehensive travel insurance coverage, including emergency dental insurance
  • High annual fee ($550)
  • Doesn't include a cell phone protection plan

Why we chose it: The Chase Sapphire Reserve® is the best credit card for travelers looking for a high reward rate on travel and additional benefits like comprehensive travel insurance and airport lounge access worldwide.

Your points are worth 50% more when you redeem them for travel through the Chase Travel℠ portal. This means each point is worth 1.5 cents per point instead of one cent, like most travel cards. Also, the Chase Sapphire Reserve® provides several high-end benefits such as:

  • $300 annual travel credit to cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking
  • Access for you and two guests to 1,300+ airport lounges worldwide (after a one-time enrollment in Priority Pass™ Select)
  • Statement credit of up to $100 every four years for Global Entry, TSA PreCheck® or Nexus

The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.

  • Access to the widest network of airport lounges of any card
  • Complimentary elite status in the Marriott and Hilton hotel loyalty programs
  • Hundreds of dollars in annual statement credits for travel, dining and more
  • High annual fee ($695)
  • Doesn't include baggage delay, travel accident and primary rental car insurance
  • Limited bonus categories

Terms apply. Click here for rates and fees.

Why we chose this card: The Platinum Card® from American Express offers a list of premium benefits that no other travel card offers, including the widest network of airport lounges and room upgrades at Hilton and Marriott hotels. (Terms apply.)

The Platinum Card® from American Express features an impressive list of high-end travel benefits, including:

  • Complimentary access to over 1,400 airport lounges, including Priority Pass, Delta SkyClub and Amex’s own Centurion lounges (enrollment required)
  • Gold status in the Marriott and Hilton loyalty programs, which makes you eligible for room upgrades, free breakfast and late checkouts (enrollment required)
  • $200 back each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings made through American Express Travel and paid with your Platinum Card® (Hotel Collection bookings require a minimum two-night stay)
  • Up to $200 per year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® (with one selected qualifying airline)
  • Complimentary premium status in Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club (must enroll through your Amex online account using your card)

The Platinum Card® from American Express does have a hefty $695 annual fee. However, for people who travel often and will take advantage of its annual credits and travel perks, it might almost pay for itself.

Best Business Travel Credit Cards

  • 5X points on flights and prepaid hotels booked through AmexTravel.com
  • Around $1,000 in yearly statement credits for select business purchases
  • Access to a wide network of airport lounges (terms apply)
  • Around $600 in perks in Fine Hotels + Resorts(R) locations booked through American Express Travel (for stays of two nights)
  • Secondary rental car coverage**

Why we chose it: The Business Platinum Card® from American Express features an extensive list of benefits that make it an ideal travel and business credit card.

With this card, you can access over 1,400 airport lounges worldwide, comprehensive travel insurance and extra amenities at hundreds of hotels, like daily breakfast and free internet access. Additionally, you get a $200 credit to cover baggage fees, in-flight refreshments and more and up to $100 for Global Entry or $85 for TSA PreCheck® every four or 4.5 years respectively. (Terms apply.) (Enrollment required.)

The card also offers several yearly statement credits for business-related purchases that include up to $400 per year ($200 between January and June and $200 between July and December) for U.S. purchases with Dell.

The Business Platinum Card® from American Express does have one of the steepest annual fees ($695) among travel credit cards, but its extensive list of benefits makes it a no-brainer for business owners who travel frequently.

Best Airline Travel Credit Cards

  • Free first checked bag for you and a companion
  • Up to $100 as a statement credit for Global Entry, TSA PreCheck(R) or NEXUS every 4 year
  • 25% back as a statement credit on food, beverages and Wi-Fi on board United-operated flights
  • Complimentary priority boarding for you and companions traveling on the same reservation
  • $95 annual fee (after the first year)
  • No intro APR period
  • Rewards are only valuable when used with United

Why we chose it: The card_name has a low annual fee and gives you valuable benefits that make up for it, such as priority boarding for everyone on the reservation and a free checked bag for you and one companion.

Other perks the card includes are:

  • Two one-time passes for United Club℠ airport lounges each account anniversary year
  • 25% back as a statement credit on in-flight purchases like food, beverages and Wi-Fi
  • Up to $100 every four years to cover the cost of TSA PreCheck®, Global Entry or NEXUS
  • Comprehensive travel insurance (auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance and trip delay reimbursement)

The United℠ Explorer Card earns miles on United purchases, including tickets, inflight food, beverages, Wi-Fi and more. You also earn rewards at restaurants and select hotel stays.

You can use your miles to book flights on United Airlines or its partners, including Avianca, Lufthansa and Air Canada. You can also redeem them for seat upgrades, inflight Wi-Fi passes and more — although United miles are usually more valuable when used for airfare.

Travel Credit Cards Guide

The best credit cards for travel do more than offer high reward rates on flights and hotel stays. They also provide rewards for everyday spending and perks such as travel insurance , airport lounge access and annual statement credits.

Here’s a rundown of how these cards work:

What is a travel credit card?

Travel credit cards offer benefits and rewards geared towards individuals who travel frequently or want to earn travel benefits.

They provide high rewards for travel-related expenses such as flights, hotels, rental cars and dining. You can then use these rewards (in the form of points or miles) to book travel reservations. Some cards also let you transfer your rewards to hotel and airline partners or redeem them for statement credits, cash back, gift cards and more.

On top of the rewards, these cards often feature several travel-related perks, such as no foreign transaction fees, hotel discounts, travel insurance, free checked bags and airport lounge access.

How do travel credit cards work?

Travel credit cards give you a certain number of points or miles per dollar on eligible purchases. They often offer around 5x points or more for airfare, hotel rooms, rental cars and more. Some cards may also count parking, bus fares, taxis, tolls and ferries as travel purchases.

Besides travel, you’ll typically get bonus points in additional spending categories. For example, some cards may offer 3x points per dollar on dining, groceries, drugstores or streaming services. All other eligible purchases usually get at least one point (1x) per dollar.

You can then redeem your points for flights, hotels, car rentals, cruises and more. Card issuers also usually let you redeem your points for non-travel options like statement credits, cash back or gift cards.

How to use credit card points for travel

Travel credit cards have rewards programs through which you can earn points (or miles). Well-known point programs include Chase Ultimate Rewards®, American Express Membership Rewards® and Citi ThankYou® Rewards.

To redeem your points, go to your travel card’s rewards program portal. The process may differ across credit card issuers, but you’ll usually be able to access it through your online account on the issuer’s website or app.

Points are usually worth one cent each. However, some issuers increase their value if you redeem them for travel. For example, Chase Sapphire Preferred® Card points are worth 1.25 cents when used to book flights through the Chase Travel℠ portal.

Points may also be worth less than a cent, depending on how you redeem them. For example, some cards allow you to use your points at Amazon checkout. While this might sound convenient, this option may bring down the value of points to around 0.8 cents.

Some cards also allow you to transfer your rewards to select airline and hotel partners. Typically, you can transfer rewards to these loyalty programs on a 1:1 ratio, meaning that 1,000 credit card points are worth 1,000 loyalty program points.

Difference between points and miles

You’ll earn points or miles depending on which travel credit card you have. For example, Chase travel credit cards earn points, while Capital One travel cards earn miles. Miles and points typically have similar value (around one cent each) and redemption options.

However, keep in mind that several cards that earn miles are tied to a specific airline — like the United℠ Explorer Card. In this case, you can only use your rewards for purchases with the issuing airline such as flights, seat upgrades, inflight dining and more.

Pros and cons of travel credit cards

  • Some cards offer up to 10x points per dollar on travel purchases.
  • Many have additional bonus categories for dining, grocery shopping and more.
  • They may include travel benefits like priority boarding, airport lounge access and late hotel checkouts.
  • Points or miles can also be redeemed for cash back, statement credits, gift cards and more.
  • Highest reward rates are usually limited to purchases made through the card issuer's travel portal.
  • They might not offer high rewards on spending outside of the travel category.
  • Some of the best ones can have steep annual fees and require good to excellent credit
  • Redeeming points or miles for anything other than travel can reduce their value to less than one cent per dollar.

Types of travel credit cards

Here’s a rundown of the differences between the three main types of travel credit cards:

Airline credit cards

Airline credit cards are ideal for people who regularly fly with the same airline. These cards earn miles you can redeem for flights, seat upgrades, inflight dining, airport lounge access and other travel-related purchases but typically only with the issuing airline.

Some of the best airline travel credit cards include benefits like free checked bags, priority boarding and discounts on in-flight purchases.

Hotel credit cards

With hotel credit cards, you can only redeem your points for stays, discounts and other benefits with one particular hotel chain.

For example, the Hilton Honors American Express Surpass® Card earns points for Hilton’s loyalty program, which you can redeem for free nights in the company’s properties, including Hilton Garden Inn and Waldorf Astoria hotels.

Hotel credit cards may also offer complimentary breakfast, room upgrades, late checkouts and bonus points for purchases made during your stay.

General travel credit card

General travel credit cards are more flexible than airline or hotel cards. They aren’t affiliated with a single airline or hotel chain, so their points can be used to book flights, hotel stays, rental cars and more from different companies.

These cards may also offer useful perks for frequent travelers, like airport lounge access. They can also cover the cost of a Global Entry or TSA PreCheck® membership, which allows you to skip the long lines at airport security or customs.

How to choose a travel credit card

Picking the best travel rewards credit card boils down to how often you travel, which cardmember perks you’d benefit the most from and the categories you spend the most on.

Here are some factors to keep in mind when choosing the best card for you:

  • Do you travel often? A travel rewards credit card offers high reward rates on travel spending, and you’ll get the most bang for your buck when you use their points on flights, hotels and car rentals. If you don’t take trips often but want to pile up rewards, a cash-back credit card might be a better fit.
  • Assess your everyday spending. Many travel cards have additional bonus categories other than travel, like dining, supermarkets, streaming services and drugstores. Consider your day-to-day spending habits and pick a card with bonus categories that fit your lifestyle.
  • Consider the card’s annual fees. No-annual-fee travel cards usually have few travel benefits. The best travel credit cards charge annual fees of at least $90 and can go as high as $700. However, these are often best for those that travel enough to take advantage of their benefits.
  • General travel card vs co-branded cards. General travel cards have more flexible redemption options. On the other hand, co-branded cards are often tied to a specific airline or hotel, which can limit your options. Still, they do provide valuable perks like free checked bags, in-flight discounts and hotel upgrades.
  • Compare extra travel perks. Some cards offer extras like annual statement credits for flights and hotels or upgrades when renting cars. Take the time to compare each card’s roster of add-ons and pick one that will best suit your travel plans.
  • Compare insurance policies. The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the card’s annual-fee tier.
  • Beware foreign transaction fees. Most travel credit cards don’t charge foreign transaction fees. Some cash-back cards may offer outstanding rewards for travel purchases but charge around 3% fees on purchases outside the U.S.
  • Look beyond welcome offers. A 60,000-point welcome bonus can be enticing. However, it shouldn’t be your deciding factor, especially if you’ll end up paying a high annual fee without getting your money’s worth.

How get the most out of your travel credit card

To get the most out of your travel credit card, you need to use it as often and strategically as possible. This way, you can earn points or miles with each purchase, which you can then redeem for free or discounted flights, hotels and more.

Use your travel card to pay most of your purchases and bills and then pay your card off in full each month. This will help you earn points while avoiding interest charges and high credit card debt , which can impact your credit score.

Here are some other tips to maximize your rewards and benefits:

  • Consider adding an authorized user to your account. They’ll earn points with every purchase they make, and those will get added to your overall total. However, make sure to pick someone who will use the card responsibly since you’ll be legally liable if they ever fail to pay their monthly bills.
  • Redeem your rewards for travel through the card issuer’s website. This redemption option usually offers the highest value compared to gift cards or merchandise, for example.
  • If your card offers travel protections (like travel accident or luggage insurance), use it to pay for your passenger fares. This way, you could be reimbursed in the event of an accident or lost luggage, for example.
  • Use your airline or hotel card to sign up for the company’s frequent flyer or frequent guest loyalty program. You’ll often earn extra points or miles when you’re a member and use your co-branded card to pay for flights, hotel stays and more.
  • If you can transfer points from other credit cards to your travel card, take advantage of this feature. This way, you can accumulate extra points for travel booking and sometimes even increase their value.

Best Travel Credit Cards FAQs

What is the best travel credit card, what is the best credit card for international travel, how to travel for free with credit cards, what is the best credit card for travel miles, what is a welcome bonus on a credit card, how we chose the best travel credit cards.

We ranked the best credit cards for travel based on their annual fees, benefits, reward rates and redemption flexibility.

Fees: We compared interest rates and foreign, cash advance and balance transfer fees for more than 50 credit cards. We also considered their annual fee, looking for those that offered the most for the money.

Ongoing benefits: Intro APR and bonus offers are attractive, but they can only get you so far. We focused on cards with year-round benefits such as travel insurance or cell phone protection plans.

Reward rates: We preferred cards that allow you to earn extra points from travel expenses, as well as those that provide significant bonus rewards in popular spending categories, like dining, supermarkets or streaming services.

Redemption flexibility: Our picks don’t limit your redemption options to just travel. Some let you use your points for Amazon purchases, for example. We also preferred issuers that allowed cardholders to transfer their points to airline and hotel partners.

Summary of Money’s Best Travel Credit Cards of May 2024

  • Discover it® Miles Credit Card – Best no-annual-fee travel card for simple rewards

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

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.

To see rates and fees for the American Express® Gold Card, visit this link . Terms apply.

To see rates and fees for The Platinum Card® from American Express, visit this link . Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

Best-Travel-Rewards-Credit-Card

How to achieve the Amex Business Platinum’s spending requirement to earn 150,000 points

Joseph Hostetler

Editor's Note

Credit card welcome bonuses are typically the easiest way to build up a healthy stash of points or miles quickly. They're often relatively effortless to earn and they can be worth thousands of dollars. However, some of the most lucrative bonuses require you to meet high spending requirements.

The Business Platinum Card® from American Express is currently offering an elevated welcome bonus of 150,000 Membership Rewards points after you spend $20,000 on eligible purchases with the Business Platinum Card within the first three months of card membership. TPG estimates Amex points value to be 2 cents each, making this bonus worth $3,000 — and potentially more if you know how to redeem American Express Membership Rewards for maximum value .

If your small business engages in high spending, this shouldn't be a problem. For the rest of us, we might need a strategy to achieve this tempting bonus.

When you're trying to meet a minimum spending requirement , you should funnel all your spending through a single card. If you still don't think you'll be able to achieve the spending requirement, this post will help you get creative.

Why it's worth getting the Amex Business Platinum

The Amex Business Platinum is one of the most benefits-rich cards on the market — particularly with annual statement credits worth over $1,500. Here's what you'll get for its $695 annual fee (see rates and fees ):

  • Up to $400 in annual statement credits on all U.S. Dell purchases up to $200 semiannually* (Ends Dec. 31, 2024)
  • Up to $200 in annual airline fee credits on charges on one selected airline*
  • Up to a $100 statement credit for either Global Entry or TSA PreCheck application every four years (or up to $85 every 4½ years for PreCheck)
  • Amex Global Lounge Collection , which gives you access to airport lounges around the world — including Amex Centurion Lounges
  • Up to $360 in annual statement credits on Indeed hiring and recruiting products and services (up to $90 per quarter)* (Ends Dec. 31)
  • Up to $150 in annual statement credits on select Adobe purchases, such as Adobe Creative Cloud and Acrobat Pro DC* (Ends Dec. 31)
  • Up to $120 in annual statement credits for purchases made directly from any U.S. wireless telephone provider (maximum of $10 per month)*
  • Up to $189 in annual statement credits toward Clear Plus membership, a trusted traveler program that expedites airport security*
  • Amex Fine Hotels + Resorts , which provides elite benefits such as a room upgrade, free breakfast, late checkout, etc., with an extensive collection of luxury hotels
  • Cellphone protection , with a maximum of $800 per claim and a limit of two approved claims per 12-month period; A $50 deductible will apply**
  • Access to the Cruise Privileges Program and the International Airline Program
  • Upgrade with Points to request an airline ticket upgrade on select airlines
  • A 35% rebate when you Pay with Points for a first- or business-class ticket on any airline or an economy ticket on one airline of your choice (up to 1 million points per calendar year)

*Enrollment is required for some benefits, and terms apply. **Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

amex travel insurance milelion

Here are the earning rates for the card:

  • 5 points per dollar when purchasing flights and prepaid hotel rooms through Amex Travel
  • 1.5 points per dollar on electronic goods retailers and software cloud service providers, shipping providers, construction materials and hardware supplies***
  • 1.5 points per dollar for all purchases of $5,000 or more***
  • 1 point per dollar on other eligible purchases

Terms apply.

***The 1.5 earning rates are subject to a combined cap of $2 million in eligible U.S. purchases per calendar year (1 point per dollar thereafter).

You can read our full Amex Business Platinum review to learn more about these benefits.

Strategies for meeting minimum spending

If that minimum spending requirement of $20,000 within the first three months seems daunting, here are some creative ways you might be able to achieve it — while remaining financially responsible.

amex travel insurance milelion

Prepay expenses

This may fail to move the needle significantly with a spending requirement of $20,000, but there are plenty of bills that you can pay in advance. Things like utilities, car or renters insurance may allow you to overpay. If it's within your means, you might want to pay your utilities and other bills a few months in advance if it helps you meet the spending requirements for this card.

Add authorized users

The Amex Business Platinum is a small-business card. If you've got employees, help them help you by adding them as authorized users — at least during the first three months. Their spending will count toward satisfying the $20,000 spending requirement.

Authorized users on this card don't actually have to be employees. You can add friends and family members as long as you trust them. Remember, you are responsible for paying off any balances they rack up since you're the primary cardholder.

Depending on the nature of your small business, the quarterly or yearly taxes you owe may alone fulfill your $20,000 minimum spending requirement. You can often pay state and property taxes with a card via ACI Payments, Inc. You can also take a glance at the list of IRS-approved tax payment service providers for more options.

Just note that paying taxes by card will draw some unwanted fees. For example, PayUSAtax currently charges 1.82% (with a minimum of $2.69) of your transaction amounts. If you were to pay $20,000 in taxes with this method, you'd pay $364 in fees. That sounds steep, but to earn a welcome bonus worth $3,000 (according to TPG valuations ), could be well worth it — especially if you don't think you can hit the Amex Business Platinum minimum spending requirement any other way.

Some apartment buildings accept a card as payment for rent. This can be a useful aid for those struggling to meet a high minimum spending requirement, as this is likely your single biggest monthly expense. Some landlords may even allow you to prepay for future months of rent.

Paying for rent with a card almost always will incur a convenience fee and/or a transaction fee. That's why you should avoid this method unless there's a welcome bonus in your crosshairs. However, some real estate companies waive the fee so it doesn't hurt to ask. If you're one of those lucky tenants, take full advantage.

Use Plastiq

You can pay more expenses by card than you think. Whether it's a car payment, tuition, mortgage or daycare — or even if you rent from a landlord that doesn't accept cards — you can use Plastiq . In short, Plastiq will charge your card for a stipulated amount and mail a check to whomever you desire.

There are two caveats:

  • You'll pay a fee to Plastiq (2.9% at the time of writing).
  • You'll pay a fixed fee ranging from $0.99 to $39, depending on how your payment is delivered, e.g., bank transfer, check or wire transfer.

Related: Your vendor doesn't accept credit cards — what now?

Considerations

Don't overspend.

A trap into which you may unwittingly fall is overspending to achieve a welcome bonus. If you don't remain strict with your budget, you might later realize that you spent more to earn that valuable bonus than it was worth in the first place.

Don't carry a balance

Overdue balances are the arch-nemesis of card rewards. Interest charges and late fees quickly add up and could negate any points and miles you may accrue from spending if you carry a balance month to month. With the Amex Business Platinum, you could even find your account frozen until you pay off any amounts owed, so be extra careful when it comes to carrying a balance.

Wait to apply at the right time

Again, if you know you've got a big purchase in the near future, coordinate that with the Amex Business Platinum's minimum spending window so that the purchases hit during its three-month time frame. If your big purchases aren't within the next three months, there's no harm in waiting to open the card.

Spend organically first

Whether or not you can spend the full $20,000 organically, it's worth holding off on utilizing any fee-laden methods above until necessary. Perhaps in the first two months of account opening, you could spend $1,000 more than you thought.

Bottom line

If you can't achieve the spending organically, there are multiple strategies you could utilize to meet the minimum spend requirement on the Business Platinum. These include paying taxes, adding authorized users, using Plastiq to pay bills and prepaying major expenses. Remember, though, that you should not overspend to achieve a sign-up bonus.

Apply here: The Business Platinum Card® from American Express

For rates and fees of the Amex Business Platinum, click here .

IMAGES

  1. How to generate a travel insurance certificate for the AMEX Platinum

    amex travel insurance milelion

  2. What does Amex travel medical insurance cover?

    amex travel insurance milelion

  3. American Express Travel Insurance

    amex travel insurance milelion

  4. American Express Travel Insurance Review: Ideal For Frequent Fliers

    amex travel insurance milelion

  5. American Express Travel Insurance

    amex travel insurance milelion

  6. American Express Cards: Travel Insurance Benefits Guide [2020]

    amex travel insurance milelion

COMMENTS

  1. How to generate a travel insurance certificate for the AMEX Platinum

    AMEX Platinum Charge cardholders enjoy complimentary travel insurance when they pay for their outbound and inbound travel with their card. For the record, coverage will apply if you redeem airline miles and use the AMEX Platinum Charge to pay for taxes and surcharges.. Coverage includes, among other things: S$1 million for death or total permanent disability

  2. Travel Insurance

    American Express Travel Insurance is offered through American Express Travel Related Services Company. Inc., California license number 0649234. Enrollment is limited to permanent residents of the 50 United States or D.C. American Express Travel Related Services Company, Inc., which is the licensed insurance agency offering you this coverage ...

  3. Your guide to Amex's travel insurance coverage

    5x on flights booked directly or with Amex Travel, 5x on hotels booked through Amex Travel, 1.5x points on eligible purchases in select business categories and eligible purchases of $5,000 or more; on up to $2 million of these purchases per calendar year), 1x on all other purchases. Terms apply. Trip cancellation, interruption and delay Insurance.

  4. Amex Platinum: Full List of Travel Insurance Benefits [2024]

    For the trip cancellation and interruption insurance coverage benefit of The Platinum Card® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card.

  5. Your complete guide to travel protection on American Express cards

    Level 1: Higher-end cards. Some of American Express' top products offer baggage insurance coverage of up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage. This coverage is in excess of coverage provided by the common carrier.

  6. The MileLion

    The Milelion is a Singapore-based travel hacking site that teaches you how to use credit cards, airline and hotel loyalty programs to travel better for less. ... The MileLion's 2024 Credit Card Strategy. Aaron Wong-May 4, 2024. Airlines. ... Buy travel insurance, get free Accor Plus Explorer membership, bonus MR points or miles. 15.

  7. Amex Travel Benefits and Resources

    Book directly with American Express to use benefits that could help you extend your travel. Go Farther With Membership Rewards® Points. Let Membership Rewards points cover this trip, or the next. From short flights to long stays, eligible Card Members can earn extra points when you book flights, prepaid hotels, prepaid car rentals, and cruises ...

  8. American Express Travel Insurance Review

    American Express Travel Insurance offers 4 levels of travel insurance package policy plans — a Basic Plan, Silver Plan, Gold Plan, and Platinum Plan. Each has its own levels of coverage and associated premium cost. Let's take a look at the package policy offerings and pricing. We chose a week-long trip for a 40-year old that cost $3,000.

  9. American Express Cards: Travel Insurance Benefits Guide [2024]

    Up to $2,000 per person for checked bags and $3,000 per person for carry-ons, up to $3,000 per person. N/A. Premium Global Assist. The Business Platinum Card ® from American Express. $10,000 per covered trip, up to $20,000 in a 12-month period. Up to $500 per trip for delays above 6 hours. Secondary.

  10. The Guide to American Express Travel Insurance

    Covered amount. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Coverage is ...

  11. AmEx Platinum Travel Insurance: What to Know

    How to make an AmEx travel insurance claim. To file a claim, you'll need to contact your benefit administrator. The phone number and timeframe will vary according to the type of insurance you ...

  12. Platinum Travel Insurance

    The Travel Inconvenience Insurance Plan provides benefits in the event of: Missed Departures and Missed Connections; delay, cancellation or overbooked flights; and Luggage Delay and Extended Luggage Delay when the Covered Trip is purchased and charged to your American Express International Dollar Card (IDC).. Up to US$250 per covered person for alternate travel, restaurant meals or refreshments

  13. Platinum Travel Insurance

    Comprehensive worldwide travel insurance for you, your immediate family, your Supplementary Platinum Members and their immediate family, from the moment you book with your Platinum Card®. View FAQs for travel insurance coverage in relation to Covid-19. IMPORTANT INFORMATION: Descriptions of the Platinum Card insurance coverages are provided on ...

  14. The MileLion's 2024 Credit Card Strategy

    2024 hasn't even reached the halfway point yet, but we've already seen nerfs to miles game favourites like the DBS Woman's World Card, HSBC Revolution, UOB Lady's Solitaire Card and Citi PayAll. That's not to mention non-miles nerfs like the HSBC Everyday Global Account and UOB Absolute Cashback Card!. This means it's time for an update to The MileLion's 2024 Credit Card Strategy ...

  15. American Express Travel Protection: Insurance Benefits and ...

    Trip Cancellation and Interruption Insurance. New trip cancellation and interruption insurance from American Express credit cards will provide you with up to $10,000 in coverage (and up to $20,000 ...

  16. American Express SG

    MileLion Exclusive Offer Receive S$225 Dairy Farm Group vouchers with $500 spend in the first month of Card approval. ... Travel Inconvenience and Travel Accident Insurance . Purchase your travel ticket with your American Express True Cashback Card and receive travel insurance benefits of up to S$350,000.

  17. PDF COVID-19 Travel Disruption Advice

    The Platinum Card® Travel Accident Insurance: Notice of claim must be given to Indemnity Insurance Company of North America, by phone at 1-305-670-9935 or by fax at 1-305-670-9583. Travel Assistance Insurance: In case you need assistance, please call: 1-866-274-3547 or 1-312-935-3798 (collect). Travel Inconvenience Insurance:

  18. Milelion

    For new to American Express Card Members. Receive a 27,800 KrisFlyer miles with annual fee payment and min. spending of S$1,000 within 30 calendar days of Card approval. Earn 1,200 KrisFlyer miles based on the S$1,000 spent above (based on 1.2 KrisFlyer miles per S$1 spent locally). Apply between 1 Apr 24 to 29 May 24.

  19. The best way to spend your Amex points, according to the experts

    You can spend your Amex Membership Rewards points online at over 1,000 retailers including Currys, Amazon and Holland & Barrett, order gift cards from a number of well-known brands and book travel ...

  20. Do I Need Travel Insurance For Canada?

    Travel insurance for Canada isn't compulsory, but it's highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness ...

  21. AXA Travel Insurance Review --- Is it Worth It? [2024]

    For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or ...

  22. 14 Best Travel Credit Cards of May 2024

    The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the ...

  23. How to achieve the Amex Business Platinum's spending requirement to

    TPG estimates Amex points value to be 2 cents each, making this bonus worth $3,000 — and potentially more if you know how to redeem American Express Membership Rewards for maximum value. If your small business engages in high spending, this shouldn't be a problem. For the rest of us, we might need a strategy to achieve this tempting bonus.

  24. 68% of Warren Buffett's $372 Billion Portfolio Is Invested in Just 4

    Credit-services kingpin American Express (AXP-0.74%) has been a continuous holding in Berkshire's portfolio for 33 years (and counting) and accounts for just shy of 9% of invested assets.