Traveling during the holidays and peak season can often lead to delayed flights. In this post, we compare the most popular travel credit cards and the trip delay benefits they provide. Each card has a different minimum delay time requirement before the benefit kicks in, which can range from 3 to 12 hours.
Contrary to popular belief, American Express cards do not offer trip delay insurance.
What is trip delay insurance?
Trip delay insurance is a benefit provided by select credit cards that reimburse you for reasonable expenses if your departure or return trip is delayed. Tickets made under the same reservation and covered card are usually provided up to $500 per ticket.
Covered hazards can include anything from equipment failure, weather delays, labor strikes, or hijacking. Layovers do not qualify for trip delay insurance because they are planned and not unexpected.
What is covered under trip delay insurance?
Each credit card is different, but reasonable expenses are eligible for reimbursement.
In general, expenses related to meals, lodging, toiletries, medications, and business necessities are covered for each person eligible for coverage. Check your card's benefits guide for specific details.
How do Chase credit cards stack up against each other? Ask Sebby ranked every Chase credit card on the market based on intro bonus, year 2 viability, and product change options.
Chase Offers are targeted deals that you can find in your Chase account. Add the deal before you make a purchase and earn statement credit.
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The cards in my wallet rotate each month depending on if I open a new card or what my spending habits will be. Before we dive into what’s in my wallet, we want to say a huge THANK YOU for 100,000+ subscribers on YouTube!
Before applying to Chase credit cards, it’s important to understand the rules for applications (2/30 Rule), eligibility (5/24 Rule), and bonuses (once every 2 years).
American Express offers are targeted and vary based on the Amex credit card you have. Login to your account and scroll down to find them. Be sure to click “Add to Card” before you make the purchase, or the offer will not apply.
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The best travel credit cards that offer a $500+ signup bonus and have a no annual fee product change/downgrade path after the first 12 months.