Which Credit Cards Offer Trip Delay Protection?

Booking a flight with the right credit card can make or break a trip, especially if unexpected delays happen. Missed connections or canceled flights can leave a hole in your wallet, and some airlines will only provide food vouchers and overnight accommodations if the delay with within their control.

Select travel credit cards will provide trip delay protection when you purchase a portion or the entire cost of the trip on the respective card.

Should You Use the Amex Platinum for Flights?

The Amex Platinum card earns 5x points on flights booked directly with the airline or on amextravel.com, but it doesn’t offer trip delay protection.

Below is a list of booking scenarios and things to consider before using the Amex Platinum.

What Qualifies for Trip Delay Protection?

Most travel cards will reimburse up to $500 per ticket if your trip is delayed. However, there are a few important factors to qualify for the protection.

  • Your trip must be delayed by a certain amount of hours or overnight, varies by card, to qualify for the benefit.

  • You need to purchase either a portion or the entire cost of the trip on the respective card. If you’re using gift cards, I recommend paying the taxes or a small amount with a credit card to qualify for trip delay protection.

  • The trip delay must be due to uncontrolled circumstances like equipment failure or inclement weather.

  • You won’t qualify if you accept an offer or coupon from the airline.

Which Credit Cards Have Trip Delay Protection?

Select travel credit cards come with trip delay protection. Be sure to refer to your credit card’s benefits guide for the most up to date information. Below is an overview of a handful of cards and the requirements to qualify for the benefit.

Chase Sapphire Preferred® Card


Chase Sapphire Reserve®

How to File a Trip Delay Claim

If the delay qualifies to trip delay reimbursement, be sure to document the entire process. As a reminder, if you take any vouchers from the airline, you won’t qualify for the trip delay benefit.

How to file a claim:

  1. Call the number on the back of your credit card and notify the Benefit Administrator to start the claim. You must notify them within 60 days following the date of the delay.

  2. Complete and sign the claim forms from the Benefit Administrator.

  3. Documents you’ll need to submit:

    • Your account receipt showing the travel fare was charged to the eligible card

    • Copy of the boarding pass/ticket

    • Statement from the Common Carrier indicating the reason the Covered Trip was delayed

    • Copies of receipts for the claimed expenses

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

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