Last updated: October 13, 2026. This is a lookup page: pick the benefit you care about (rental car coverage, trip delay, lounges and so on) and see which cards have it and on what terms. It covers the personal travel cards people ask about most, plus the hotel and airline cards where status, free nights or lounge access are the point. Each section lists its sources and when it was checked. No affiliate links, as always on Travel Summary.
These are summaries. The card’s benefit guide decides every claim, most protections only apply when you paid for the trip or rental with that card, and banks change these benefits without much notice. Related reference pages: credit card application rules by bank and transfer partners.
Quick Take
- Rental cars: the Chase Sapphire Reserve, Sapphire Preferred and Capital One Venture X have primary coverage in the US. The Amex cards are secondary, and the Citi Strata and Bilt cards are secondary at home and primary abroad.
- Trip delay: a 6-hour threshold (Sapphire Reserve, Amex Platinum, Venture X, both Citi Strata cards, Bilt Palladium) is much easier to reach than 12 hours (Sapphire Preferred, Amex Gold). Amex only pays when the round trip was charged to the card.
- Lounges: card Priority Pass memberships no longer include airport restaurants, and guest rules have tightened at Amex and Capital One in 2026, so check the guest line before you bring someone.
1. The Main Travel Cards at a Glance
| Card | Annual fee | Rental car | Trip delay | Lounges | Global Entry / PreCheck |
|---|---|---|---|---|---|
| Chase Sapphire Reserve | $795 | Primary, $75,000 | 6 hours, $500 | Priority Pass, Sapphire Lounges | $120 every 4 years |
| Chase Sapphire Preferred | $95 | Primary, $60,000 | 12 hours, $500 | None | $120 every 4 years |
| Amex Platinum | $895 | Secondary | 6 hours, $500 (round trip on the card) | Centurion, Delta Sky Club, Priority Pass and more | $120 Global Entry or $85 PreCheck |
| Amex Gold | $325 | Secondary | 12 hours, $300 (round trip on the card) | None | None listed |
| Capital One Venture X | $395 | Primary, $75,000 | 6 hours, $500 | Capital One Lounges, Priority Pass | Up to $100 (Doctor of Credit) |
| Capital One Venture | $95 | Depends on the card’s network | Depends on the card’s network | None (Capital One Lounges $45 a visit) | Up to $120 (Capital One) |
| Citi Strata Elite | $595 | Secondary in the US, primary abroad | 6 hours, $500 | Priority Pass, 4 Admirals Club passes | $120 every 4 years |
| Citi Strata Premier | $95 | Secondary in the US, primary abroad | 6 hours, $500 | None | None |
| Bilt Palladium | $495 | Secondary at home, primary abroad | 6 hours, $300 (round trips) | Priority Pass | None listed |
None of these cards charge foreign transaction fees. Venture benefits depend on whether your card is a Visa Signature or a World Elite Mastercard, and Doctor of Credit (Discover network) reports Capital One moving some Venture accounts to the Discover network in 2026, so check your own benefit guide.
2. Rental Car Coverage
Primary coverage pays first, without going through your own auto insurance; secondary only covers what your own insurance doesn’t. In every case you decline the rental company’s collision damage waiver and pay for the whole rental with the card.
| Card | Coverage | Notes |
|---|---|---|
| Chase Sapphire Reserve | Primary, up to $75,000 | Secondary inside the US for New York residents |
| Chase Sapphire Preferred | Primary, up to $60,000 | Cars with an MSRP up to $125,000; secondary inside the US for New York residents |
| Capital One Venture X | Primary, up to $75,000 | Amount per Doctor of Credit; Capital One’s card page doesn’t give it |
| Amex Platinum | Secondary | No liability cover; not available in Australia, Italy or New Zealand. Amex’s page gives no maximum (NerdWallet says $75,000) |
| Amex Gold | Secondary | Same exclusions as the Platinum; no maximum found |
| Citi Strata Elite | Secondary in the US, primary abroad | Per NerdWallet; one other source calls it primary. Rentals up to 31 days |
| Citi Strata Premier | Secondary in the US, primary abroad | Per NerdWallet; Bankrate says secondary |
| Bilt Palladium and Obsidian | Secondary at home, primary abroad | Mastercard MasterRental; no maximum stated |
Sources: Chase (Sapphire Reserve), Chase (Sapphire Preferred), Doctor of Credit (Venture X), Amex (Platinum), Amex (Gold), NerdWallet (Platinum insurance, July 2026), NerdWallet (Citi travel insurance, Aug 2026), Bankrate (Strata Premier), Frequent Miler (Palladium, Jan 2026). Last checked: October 13, 2026.
3. Trip Delay
Trip delay pays for meals, a hotel and essentials when a flight is delayed past the threshold or you’re stuck overnight.
| Card | Delay needed | Pays up to | Notes |
|---|---|---|---|
| Chase Sapphire Reserve | More than 6 hours or overnight | $500 per traveler | |
| Chase Sapphire Preferred | More than 12 hours or overnight | $500 per traveler | |
| Amex Platinum | More than 6 hours | $500 per trip | 2 claims per 12 months; the round trip must be paid entirely with the card |
| Amex Gold | More than 12 hours | $300 per trip | 2 claims per 12 months; round trip on the card |
| Capital One Venture X | 6 hours or overnight | $500 per ticket | |
| Citi Strata Elite | More than 6 hours | $500 | 2 claims per year (NerdWallet) |
| Citi Strata Premier | More than 6 hours | $500 | 2 claims per 12 months (NerdWallet, Bankrate) |
| Bilt Palladium | 6 hours | $300 per trip | 1 claim per 12 months; round trips only. Obsidian also has $300 (Frequent Miler) |
Because Amex requires the round trip to be charged to the card, a one-way ticket may not qualify. Related: my 2018 post on why you shouldn’t book airfare with the Amex Platinum.
Sources: Chase (Sapphire Reserve), Chase (Sapphire Preferred), Amex (Platinum), Amex (Gold), Doctor of Credit (Venture X), NerdWallet (Citi travel insurance, Aug 2026), Bankrate (Strata Premier), Your Mileage May Vary (Mar 2026), Frequent Miler (Palladium, Jan 2026), Frequent Miler (Obsidian, Jan 2026). Last checked: October 13, 2026.
4. Trip Cancellation and Interruption
This repays prepaid, non-refundable travel when you cancel or cut a trip short for a covered reason, such as illness or severe weather, listed in the benefit guide.
| Card | Pays up to |
|---|---|
| Chase Sapphire Reserve | $10,000 per person, $20,000 per trip |
| Chase Sapphire Preferred | $10,000 per person, $20,000 per trip |
| Amex Platinum | $10,000 per trip, $20,000 per card per 12 months (round trip on the card) |
| Amex Gold | Not listed on Amex’s card page |
| Capital One Venture X | $2,000 per person (common carrier tickets) |
| Citi Strata Elite and Strata Premier | $5,000 per trip, $10,000 per 12 months |
| Bilt Palladium and Obsidian | $2,000 per trip, $5,000 per 12 months |
Sources: Chase (Sapphire Reserve), Chase (Sapphire Preferred), Amex (Platinum), Amex (Gold), Doctor of Credit (Venture X), NerdWallet (Citi travel insurance, Aug 2026), Frequent Miler (Palladium, Jan 2026), Frequent Miler (Obsidian, Jan 2026). Last checked: October 13, 2026.
5. Baggage Delay and Lost Luggage
| Card | Baggage delay | Lost or damaged bags |
|---|---|---|
| Chase Sapphire Reserve | Over 6 hours: $100 a day for up to 5 days | Up to $3,000 per traveler |
| Chase Sapphire Preferred | Over 6 hours: $100 a day for up to 5 days | Up to $3,000 per traveler |
| Amex Platinum | None found | Covered; Amex’s page gives no amounts and NerdWallet’s figures disagree with each other |
| Amex Gold | None found | Up to $1,250 carry-on and $500 checked, above the airline’s own liability |
| Capital One Venture X | None found | Up to $3,000 per trip ($2,000 for New York residents) |
| Citi Strata Elite | Not listed by Citi | Up to $5,000 per trip (NerdWallet) |
| Citi Strata Premier | Not listed by Citi | Up to $3,000 per trip |
| Bilt Palladium | Up to $250 per claim, 2 claims a year | Up to $1,500 per incident |
New York residents get lower lost-luggage limits on the Chase cards ($2,000 per bag, $10,000 per trip).
Sources: Chase (Sapphire Reserve), Chase (Sapphire Preferred), Amex (Gold), NerdWallet (Platinum insurance, July 2026), Doctor of Credit (Venture X), NerdWallet (Citi travel insurance, Aug 2026), Bankrate (Strata Premier), Frequent Miler (Palladium, Jan 2026). Last checked: October 13, 2026.
6. Lounge Access
Priority Pass memberships from cards no longer include airport restaurants: Chase dropped them on July 1, 2024, and the Amex, Capital One, Citi and Bilt memberships exclude them too.
| Card | What you get | Guests |
|---|---|---|
| Chase Sapphire Reserve | Priority Pass, Chase Sapphire Lounges, Air Canada Maple Leaf Lounges and Cafés | 2 free in Priority Pass and Sapphire Lounges (then $27 each in Priority Pass); 1 at Air Canada |
| Amex Platinum | Centurion Lounges; Delta Sky Club 10 visits a year on same-day Delta flights (unlimited after $75,000 spend); Priority Pass; Escape; Plaza Premium; Lufthansa; Airspace | Centurion: $50 per adult, 2 free after $75,000 spend, and since July 8, 2026 guests must be on your flight. Priority Pass and Escape: 2 free; Plaza Premium: 1 |
| Capital One Venture X | Capital One Lounges and Landings, Priority Pass (primary cardholder) | Capital One Lounges: $45 per adult unless you spent $75,000 in the calendar year (then 2 free). Priority Pass: $35 each. Authorized users pay $125 a year for access |
| Citi Strata Elite | Priority Pass Select; 4 American Admirals Club passes per calendar year | Priority Pass: 2 free, then $35 |
| Bilt Palladium | Priority Pass | 2 free |
| Capital One Venture | No lounge membership; Capital One Lounges cost $45 a visit | n/a |
Airline cards with club access:
- Delta SkyMiles Reserve (Amex, $650): 15 Sky Club visits per Medallion Year when flying Delta; unlimited after $75,000 spend in a calendar year.
- United Club Card (Chase, $695): United Club membership (per 2025 reporting from NerdWallet and Dan’s Deals; not re-checked on United’s page).
- Citi AAdvantage Executive ($695): Admirals Club membership for the primary cardholder, with up to 2 guests or immediate family. The fee went from $595 to $695 for new cardholders on August 23, 2026 (One Mile at a Time).
- Citi AAdvantage Globe ($350): 4 Admirals Club passes a year (The Points Guy).
- Atmos Rewards Summit (Bank of America, $395): 8 Alaska Lounge passes a year, 2 per quarter, expiring at the end of each quarter.
Sources: Chase (Sapphire Reserve), Doctor of Credit (Sapphire Reserve, May 2026), AwardWallet (Priority Pass, Aug 2026), Amex (Platinum), One Mile at a Time (Platinum lounges, Jan 2026), AwardWallet (Centurion guests, July 2026), Capital One (Venture X), One Mile at a Time (Venture X lounges), Citi (Strata Elite), Frequent Miler (Strata Elite), Bilt (Palladium), NerdWallet (Venture), Amex (Delta Reserve), AwardWallet (Sky Club rules, Apr 2026), Frequent Miler (Atmos Summit, Feb 2026). Last checked: October 13, 2026.
7. Global Entry and TSA PreCheck Credits
| Card | Credit |
|---|---|
| Chase Sapphire Reserve | Up to $120 every 4 years (Global Entry, TSA PreCheck or NEXUS) |
| Chase Sapphire Preferred | Up to $120 every 4 years (Global Entry, TSA PreCheck or NEXUS) |
| Amex Platinum | $120 for Global Entry every 4 years, or up to $85 for TSA PreCheck |
| Capital One Venture X | Up to $100 per Doctor of Credit (January 2026); Capital One’s page doesn’t give the amount |
| Capital One Venture | Up to $120 every 4 years per Capital One’s page; Doctor of Credit (September 2026) says $100 |
| Citi Strata Elite | Up to $120 every 4 years |
| Amex Gold, Citi Strata Premier, Bilt Palladium | None listed |
Sources: Chase (Sapphire Reserve), Chase (Sapphire Preferred), Amex (Platinum), Doctor of Credit (Venture X), Doctor of Credit (Venture), Citi (Strata Elite), Citi (Strata Premier). Last checked: October 13, 2026.
8. Hotel Elite Status
| Card | Status |
|---|---|
| Amex Platinum ($895) | Hilton Honors Gold, Marriott Bonvoy Gold Elite, Leaders Club Sterling (enrollment required) |
| Chase Sapphire Reserve ($795) | IHG One Rewards Platinum Elite through December 31, 2027 (enrollment required); $75,000 spend in a calendar year adds IHG Diamond Elite and World of Hyatt Explorist |
| Hilton Aspire (Amex, $550) | Diamond |
| Hilton Surpass (Amex, $150) | Gold; Diamond after $40,000 spend in a calendar year |
| Hilton Honors (Amex, no fee) | Silver; Gold after $20,000 spend in a calendar year |
| Marriott Bonvoy Brilliant (Amex, $650) | Platinum Elite, plus 25 elite night credits a year |
| Marriott Bonvoy Bevy (Amex, $250) | Gold Elite, plus 15 elite night credits |
| Marriott Bonvoy Boundless (Chase, $95) | Silver Elite, plus 15 elite night credits; Gold after $35,000 spend in a calendar year |
| World of Hyatt (Chase, $95) | Discoverist, plus 5 tier-qualifying nights a year and 2 more for every $5,000 spent |
| IHG One Rewards Premier (Chase, $150) | Gold Elite for new cardholders since October 1, 2026 (it used to be Platinum; existing cardholders keep Platinum through 2027 per The Points Guy); Platinum after $15,000 spend, Diamond after $40,000 |
The Capital One Venture X, Citi Strata Elite and Bilt cards don’t come with hotel status (Venture X gives Hertz President’s Circle, which is rental car status).
Sources: Amex (Platinum), Doctor of Credit (Platinum refresh), Chase (Sapphire Reserve), Doctor of Credit (Sapphire Reserve, May 2026), Hilton (credit cards), Frequent Miler (Brilliant), Frequent Miler (Bevy, Oct 2025), AwardWallet (World of Hyatt card, Mar 2026), Doctor of Credit (IHG cards, Oct 1, 2026), The Points Guy (IHG refresh, Oct 2026), Doctor of Credit (Venture X). Last checked: October 13, 2026.
9. Annual Free-Night Certificates
| Card | Free night | How you get it |
|---|---|---|
| Hilton Aspire | Standard-room night, no points cap | One each card year; another after $30,000 spend in a calendar year and one more after a further $30,000 (Hilton’s page) |
| Hilton Surpass | Standard-room night | After $15,000 spend in a calendar year |
| Marriott Bonvoy Brilliant | Up to 85,000 points | Each renewal |
| Marriott Bonvoy Bevy | Up to 50,000 points | After $15,000 spend in a calendar year |
| Marriott Bonvoy Boundless | Up to 35,000 points | Each anniversary |
| World of Hyatt | Category 1–4 night | Each anniversary; a second after $15,000 spend in a calendar year |
| IHG One Rewards Premier | Up to 40,000 points (50,000 from 2027 anniversaries) | Each anniversary; you can add points to book a pricier night |
Since March 2026 Marriott lets you add up to 25,000 points to any of its free-night certificates (it used to be 15,000), so a Brilliant certificate can book a night of up to 110,000 points. Chase also launched an IHG Premier Select card ($350) in October 2026 with a free night of up to 60,000 points.
Sources: Hilton (credit cards), Frequent Miler (Brilliant), Frequent Miler (Bevy, Oct 2025), Doctor of Credit (Marriott top-ups, Mar 2026), AwardWallet (World of Hyatt card, Mar 2026), Doctor of Credit (IHG cards, Oct 1, 2026), The Points Guy (IHG refresh, Oct 2026). Last checked: October 13, 2026.
10. Cell Phone Protection
Cell phone protection covers theft or damage when you pay your monthly phone bill with the card.
| Card | Per claim | Deductible and limits |
|---|---|---|
| Amex Platinum | Up to $800 | $50 deductible, 2 claims per 12 months |
| Capital One Venture X | Up to $800 | $50 deductible |
| Bilt Palladium and Obsidian | Up to $800 | $50 deductible, 2 claims and $1,000 per 12 months |
The Sapphire Reserve and Preferred, Amex Gold, Capital One Venture and both Citi Strata cards don’t list cell phone protection on their card pages.
Sources: Amex (Platinum), Capital One (Venture X), Doctor of Credit (Venture X), Frequent Miler (Palladium, Jan 2026), Frequent Miler (Obsidian, Jan 2026). Last checked: October 13, 2026.
11. Foreign Transaction Fees
The Chase Sapphire Reserve and Preferred, Amex Platinum and Gold, Capital One Venture X and Venture, Citi Strata Elite and Premier, and Bilt Palladium all charge no foreign transaction fee. For any other card, check its pricing terms before using it abroad.
Sources: Chase (Sapphire Reserve), Chase (Sapphire Preferred), Amex (Platinum), Amex (Gold), Capital One (Venture X), Citi (Strata Elite), Citi (Strata Premier), Bilt (Palladium). Last checked: October 13, 2026.
12. Quick Answers
The Chase Sapphire Reserve (up to $75,000), Chase Sapphire Preferred (up to $60,000, for cars with an MSRP up to $125,000) and Capital One Venture X (up to $75,000) have primary coverage in the US. The Amex Platinum and Gold are secondary, and the Citi Strata and Bilt cards are secondary at home and primary abroad.
The Chase Sapphire Reserve, Amex Platinum, Capital One Venture X and both Citi Strata cards pay up to $500 after a 6-hour delay. The Amex Platinum only pays when the round trip was charged to the card. The Sapphire Preferred and Amex Gold need a 12-hour delay.
No. Chase removed restaurant access on July 1, 2024, and the Priority Pass memberships from the Amex Platinum, Capital One Venture X, Citi Strata Elite and Bilt Palladium don’t include restaurants either.
The Amex Platinum gives Hilton Gold and Marriott Gold; the Chase Sapphire Reserve gives IHG Platinum through 2027. Hotel cards give their own status: Hilton Aspire gives Diamond, Hilton Surpass Gold, Marriott Brilliant Platinum, and the World of Hyatt card Discoverist.
13. Sources
Card pages from the issuers (Chase, Amex, Capital One, Citi, Bilt, Hilton) were read on October 13, 2026; where a card page doesn’t give a number, the figure comes from the other sources named in that section. Doctor of Credit was the first source for bank and card facts, then Frequent Miler, One Mile at a Time, The Points Guy, AwardWallet, NerdWallet, Bankrate and Your Mileage May Vary. Where sources disagree, the section says so.