rbc travel insurance with credit card

RBC ® Travel Insurance

Taking a trip see if your rbc ® credit card covers you..

In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. It’s that simple!

See what travel insurance coverage your card has:

Required Information

Which RBC credit card did you use to pay for the full cost of your trip?

Good news! Your card has some travel insurance coverage.

Your card provides some valuable travel insurance coverage for you and other covered persons (opens modal window) .

Covered Persons

Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Summary of Your Card’s Coverage

• Under age 65: Unlimited coverage Disclaimer 1 for first fifteen (15) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first three (3) consecutive days of your trip

Out of Province/Country Emergency Medical Insurance

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

This is a summary only. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Trip Cancellation Insurance

This insurance protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled prior to your departure, due to a covered reason. For this coverage to be effective, you must have purchased your prepaid travel arrangements with your RBC ® credit card and/or Avion ® points.

Trip Interruption Insurance

Flight delay insurance.

If you miss your connecting flight, are denied boarding or your flight is delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary expenses you may have (for example, a hotel room or restaurant meals) as long as you have checked in with the air carrier and you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Delayed Baggage Insurance

If your checked baggage is lost or delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary emergency purchases that you need, as long as you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Hotel/Motel Burglary Insurance

If you need to repair or replace personal property that has been damaged or lost due to a burglary of your hotel/motel room or cruise cabin and you are a registered guest, this insurance reimburses you, up to a certain maximum, as long as you paid for your hotel/motel room or cruise cabin with your RBC ® credit card and/or Avion ® points.

Travel Accident Insurance

This insurance covers you for accidental bodily injury or death if you are injured during an accident that occurs while you are travelling on a common carrier (such as a passenger plane) as long as you paid for these transportation arrangements with your RBC ® credit card and/or Avion ® points before departing on your trip.

Auto Rental Collision/Loss Damage Waiver Insurance

When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or Avion ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Certificate of Insurance (opens PDF in new window) for complete details.

Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Platinum Certificate of Insurance (opens PDF in new window) for complete details.

Lost/Stolen Baggage

We will pay the covered person for loss or damage to owned baggage and personal effects used for the personal use of the covered person while in transit as checked-in baggage or carried on board the air carrier when the full cost of the airline ticket is paid with your RBC ® credit card and/or Avion ® points.

All insurance is subject to limitations and exclusions. Download the RBC ® Avion ® Visa Infinite Business ‡ Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Business Certificate of Insurance (opens PDF in new window) for complete details.

• Under age 65: Unlimited coverage Disclaimer 1 for first thirty one (31) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first seven (7) consecutive days of your trip

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege for Private Banking Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® U.S. Dollar Visa ‡ Gold Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® British Airways Visa Infinite ‡ Certificate of Insurance (opens PDF in new window) for complete details.

Next Step: Tell us who is travelling so we can give you an accurate quote.

Who do you want to get a quote for?

Why we ask: Since your credit card’s travel insurance covers you, your spouse and/or your dependent children, your quote will calculate the coverage you already have on your card—saving you money!

Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage.

Tip: You will need to get a quote and buy travel insurance for other eligible travellers separately so that we can give you an accurate quote for everyone.

Eligibility

To be eligible for this insurance coverage, a traveller must be:

• A client of the RBC companies or a spouse or child of a client
• A Canadian resident (applicable for Emergency Medical Insurance coverage)

Travel Insurance coverage is not included on your card, but we can cover you!

Although the card you used to purchase your trip does not include coverage, you can get a quote and buy affordable travel insurance now.

We are unable to determine the travel insurance coverage on your card

We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.

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Cross-Border Discover & Learn

Traveling beyond your province or territory protect yourself with travel insurance 9 ..

When your travels take you far from home in Canada, even a minor accident or sickness can become a major expense and a costly inconvenience—especially since the coverage you have may not fully protect you, whether that’s your provincial health plan, protection offered through your credit card or coverage through your employer. 

Your Government Health Insurance Plan (GHIP) typically covers only a limited portion of your medical expenses once you leave the country and your province. For example, a four-day stay in a U.S. hospital for an appendectomy could cost $39,400 (USD), with only $1,600 (CAD) covered by your GHIP. And a one-day stay in a U.S. hospital for a broken arm could cost $32,600 (USD), with only $400 (CAD) covered by your GHIP. 

Coverage offered through your credit card 9 and employer, while valuable, may only cover specific scenarios and not offer the comprehensive protection you will want while you’re away from home.

Travel insurance can cover your entire family for the duration of your trip, and family pricing is generally available to help you save on the coverage you need. If you travel regularly, a multi-trip annual travel insurance plan that can offer protection for a full year, regardless of the number of times you travel, is a smart option to consider.

RBC Insurance – Travel Insurance that offers more coverage in more places ™ RBC Insurance offers the travel coverage you need, as well as 24/7 access to a caring team of medical professionals – no matter how big or small your emergency. Here are some of the reasons we recommend RBC Insurance to our clients:

• 24/7 worldwide emergency travel assistance through a toll-free emergency help line
• Multilingual assistance from caring professionals – ready to help you wherever you are in the world
• Best in class claims service, with knowledgeable claims and service advisors available to you
• Registered nurses and consulting physicians available 24/7

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• Credit Cards

RBC® Avion Visa Infinite†

Signup bonus:

Annual fee:, interest rates:, earning rate:.

The RBC ® Avion Visa Infinite † is RBC ® ‘s flagship product, and currently offers a strong welcome bonus with no spending requirement.

Bonuses & Fees

This card is currently offering a promotional welcome bonus of 35,000 RBC Avion points † for new cardholders, which are awarded upon approval † .

The card has an annual fee of $120 † and $50 fee for supplementary cardholders.

If you have an RBC ® VIP Banking Account , you’ll be able to get a fee waiver on one of RBC ® ‘s premium credit cards, including this one.

Earning Rewards

The RBC ® Avion Visa Infinite † offers the following earning rates:

• 1.25 RBC Avion points per dollar spent † on qualifying travel purchases
• 1 RBC Avion point per dollar spent † on all other qualifying purchases

Redeeming Rewards

There are a variety of ways to redeem RBC Avion points for a high value.

As a transferable currency, eligible cardholders can convert their RBC Avion points into British Airways Executive Club† and Cathay Pacific Asia Miles† at a 1:1 ratio, WestJet Rewards† at a 100:1 ratio, as well as American Airlines AAdvantage† at a 1:0.7 ratio.

Avios, Asia Miles, and AAdvantage will all provide a means to book business class and First Class flights on Oneworld airlines, which will be by far the best value for your Avion points if you’re interested in travelling internationally in style.

Look out for 10–50% transfer bonuses to these partners too, which can boost the value of your points even further.

These can be some of highest value uses of RBC Avion points. If you signed up via the current offer for 35,000 Avion points, for example, and transferred the points over to Avios during a 30% promotion, you’d get 45,500 Avios — good for a number of short-haul flights, or enough to make solid progress towards a one-way flight in Qatar Airways Qsuites from North America to Doha or a multi-carrier ticket .

You can also redeem via the Air Travel Redemption Schedule † , which lets you use Avion points to book round-trip economy class tickets departing from Canada, up to a certain maximum ticket price. As a baseline, you can also apply Avion points to any travel purchase at a rate of 1 cent per point † .

Perks & Benefits

The RBC ® Avion Visa Infinite † includes a host of interesting benefits, including 12 months of free DashPass from DoorDash as part of the wider partnership between RBC and DoorDash † . In addition to this perk, cardholders get to enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.

It also includes a 3¢/L saving on fuel at Petro-Canada † , along with earning 20% more Petro-Points and RBC Avion points upon using your card to pay † .

Furthermore, RBC Avion cardholders can save 20% at Hertz † , as well as earn 2x the points if using your card † .

Finally, you can earn 50 Be Well points for every $1 spent on eligible products at Rexall † , as well as an improved redeeming ratio of 25,000 Be Well points = $10.

Insurance Coverage

The RBC ® Avion Visa Infinite † comes with pretty strong protection, as would be expected for a premium credit card:

Emergency medical insurance † for the first 15 days of any out-of-province trips for travellers under the age of 65 or the first three days for those 65 and up

Travel accident insurance † , covering death or dismemberment, of up to $500,000

Car rental collision/loss damage insurance † , which allows you to save on the daily insurance charged by car rental companies for vehicles up to a MSRP of $65,000

Trip cancellation insurance † of up to $5,000 and trip interruption insurance † of up to $25,000

Flight delay insurance † of up to $500 for reasonable expenses incurred

There’s also a very compelling purchase protection scheme †  in place that will reimburse you for accidentally lost or damaged personal property within 90 days of purchase, up to a maximum of $50,000 per year, as well as an extended warranty †  feature that automatically doubles the original manufacturer’s warranty.

Overall, the insurance on this card is on par with other premium cards in the market, making it a solid option for any big purchases.

Historical Offers

Legal disclaimers.

†Terms and conditions apply. RBC Bank is not responsible for maintaining the content on this site. Please click on the ‘Apply Now’ link for the most up to date information.

As a Visa Infinite product, this credit card has a minimum personal annual income requirement of $60,000 or a minimum household income of $100,000 to be eligible. Please refer to RBC® page for up to date offer terms and conditions.

27 Comments

Do you have a way to compare this card vs the ION+ form RBC? I’m trying to figure out if I should cancel this one and do the ION.

If you cancelled the Avion card, your ION or ION+ won’t have access to transfer the points to British airways, Cathay Asia Miles, American Airlines. You could still transfer to Westjet though. So just FYI

Just applied and got approved for this credit card for the bonus. I’ve the HSBC World Elite so it’d be interesting to know if I’ll have 2 same credit cards.

Hi Ricky! I just discovered your website and feel like a whole new world has been opened up to me! I have the West Jet World Elite M/C (RBC) and I don’t see the benefits of the card really helping me, so not worth the annual fee. The anniversary is in December, and I’m wondering if it’s possible to switch to the RBC Avion rather than cancel and apply for a new card, because I’m reading that’s not always the best option. But since these card are from the same bank, it may work? And then I could qualify for the new welcome bonus for the Avion?

Would I get the full points if I switch from an RBC cashback card to an RBC Avion visa infinite?

** Product switch only earned 15,000 points

Hi Ricky, Is there a card that has a better return than the 2.14 this one has for long haul in Canada? I currently use my rewards every two years to fly across Canada at Xmas. Family is now 4 travellers and only have points for 3 so looking to maximize.

I just got approved for the Avion Visa Infinite. I’m interested to see how beneficial the welcome bonus points of 35000 will be when redeeming them for a flight from Toronto to California. Would you suggest to use the points to upgrade my seats? I’m also interested in the cellphone protection insurance as I haven’t seen that offered in other cards.

Points are almost always better spent on making bookings directly rather than upgrading seats.

Just applied and got approved for Avion Visa Platinum, would you say this card is really good if you only want to carry 2 cards in your wallet? (btw my other card is American Express Cobalt Card)

I’d say it’s a decent choice, but you may be able to do better. For example, pairing the Cobalt with the HSBC World Elite would deliver a lot more benefits for your non-Amex spending for only a $49 net annual fee.

I checked flights using Avios search engine going to South America (Buenos Aires) and other destinations. The economy seats are really expensive. It practically makes your points WORTHLESS to use. What’s the point of following this point system if you cant fly where you want to go. It’s better if you stick with cheapflights.com or any of these third-party websites for really cheap flights.

Correct. Points are better used on higher-value trips like business class and First Class.

Since I hold the rbc rewards+ visa I can’t get the 35000 points welcome bonus l even if I product switch or apply for the avion visa infinite right? So I am basically out of luck?

I have this card and received the bonus points. If I use the bonus points then product switch to a card with no AF, is there any chance that they require the points back or something? How long would you hold the card before doing this? I’ve been told by an RBC agent that they’ll provide a pro-rated refund on the AF if I switch.

Unlikely. The safest timeline for such actions is six months, although some users have “gotten away with” shorter timeframes.

Hi Ricky, I just checked out the link to apply for this RBC card but only the standard offer of 15,000 points and no first annual fee rebate is offered. Has this promotion finished already?

Yep. These “mystery links” that pop up never last too long, so now we’re back to the standard offer of 15,000 points + $120 annual fee. Time to wait for the next one!

I have the Westjet now, if I make a switch product. Would I be entitled to this 20K promotion?

Most of the time a product switch only gives you the public bonus that isn’t found through a special link – in this case it’d be the usual 15k.

And it wouldn’t be FYF right?

It would appear that the additional 10,000 RBC Avion bonus points (for making purchases of $1000) is no longer on offer. Today, Oct 1, I started to sign up through the link above. The lead page now references the 15,000 bonus only.

Looks like you’re right Al. Back down to 15k it is.

Data point for reference: I product switched from the Avios to this and did not receive the bonus points. (But I did receive bonus points when I product switched from the RBC Westjet to the Avios prior to that).

Just applied and approved. Thanks for the link

Any idea if it’s possible to apply and get the bonus if I already have this card currently open?

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10 Credit Cards That Provide Travel Insurance

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Travel insurance helps you get your money back when things go wrong with your trip. And it remains a debate: Do you really need it, and is it worth it?

Personally, I’ve often skipped travel insurance, preferring to put the extra money toward my trip. Yet as I pulled into the airport after a winter ski trip to Jackson Hole, Wyoming, in my SUV rental, a snowplow kicked up a rock and a crack extended across the windshield. And just like that, I got in the dreaded rental car accident .

Thankfully, I had rented my car with my Delta SkyMiles® Gold American Express Card , which covered rental car windshield reimbursement. Note that I had also specifically opted out of the car rental's insurance coverage offered at the counter, which is a requirement in order to allow my credit card coverage to kick in. Terms apply.

» Learn more: The best travel credit cards right now

A number of credit cards provide various types of travel insurance (including trip cancellation, trip interruption and car rental loss and damage insurance) when you use your card to pay for flights, rental cars and other travel expenses. So do you need additional travel insurance? Maybe not.

What does your travel insurance cover?

First, let’s look at the different types of coverage that your credit card may offer to help protect your trip, from your bags to your rental car to your health.

Baggage delay . If your luggage doesn’t arrive when you do, you may receive a reimbursement to offset the costs of having to purchase new attire and other items you may need. The length of delay required and the coverage offered varies by card.

Lost/damaged baggage . If your bags are lost or damaged by a carrier, or items have been stolen from your baggage, your provider may provide monetary compensation.

Trip delay . If your trip on a common carrier is delayed, you may receive monetary compensation to help cover meals, hotels, transportation and necessary purchases up to a certain amount per ticket.

Trip cancellation . If you need to cancel a prepaid, nonrefundable trip, you may receive compensation to offset the lost funds. This benefit generally applies to cancellations for covered reasons, which vary by card.

Trip interruption . If you miss a portion of your trip due to a covered reason, this benefit will reimburse you for any unused, prepaid, nonrefundable reservations (i.e., excursions, hotel nights).

Medical treatment . If you are hurt while traveling and require medical treatment, medical expenses may be covered up to a certain dollar amount.

Medical evacuation . If your illness or injury requires you to return home immediately for care, the insurance coverage through your card may cover the costs.

Travel accident insurance. In the case of accidental death or dismemberment, your credit card may provide coverage to you or to your beneficiary

Rental car insurance. This coverage provides protection to your rental car against theft and damage. Coverage may be primary or secondary to your personal auto insurance, depending on the card.

» Learn more: Should you insure your cruise?

Popular credit cards with travel insurance

Some of the best travel rewards cards include various forms of travel insurance. These are a few of our favorite cards that offer certain types of coverage. If you have a different travel rewards card, it’s a good idea to check the benefits of your card before assuming that it either does or doesn’t have any of the coverage listed here.

1. Chase Sapphire Reserve®

Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

Trip delay: Up to $500 per ticket for delays more than six hours.

Baggage delay: Up to $100 per day for five days.

Lost luggage: Up to $3,000 per passenger.

Travel accident: Up to $1,000,000.

Rental car insurance: Up to $75,000.

2. Chase Sapphire Preferred® Card

Trip delay: Up to $500 per ticket for delays more than 12 hours.

Travel accident: Up to $500,000.

Rental car insurance: Up to the actual cash value of the car.

3. Marriott Bonvoy Brilliant® American Express® Card

Lost luggage: Up to $2,000 for checked bag and up to $3,000 for checked and carry-on bag. New York state residents get $2,000 per bag, up to a maximum of $10,000 for all covered persons per trip.

Travel accident insurance. Up to $500,000.

Trip delay insurance: Up to $500 per trip. Maximum benefit of $1,000 per 12-month period.

Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

4. Marriott Bonvoy Boundless® Credit Card

Baggage delay: Up to $100 per day for five days for essential purchases like toiletries and clothing for delays of over six hours.

Lost luggage: Up to $3,000 per passenger for checked or carry on luggage.

Damaged luggage: Up to $3,000 per passenger for checked or carry on luggage.

5. Southwest Rapid Rewards® Plus Credit Card

Baggage delay: Up to $100 per day for three days.

Travel accident insurance: Up to $250,000 to $500,000 (Visa Platinum and Visa Signature, respectively).

Rental car insurance: Up to actual cash value of vehicle.

Travel and emergency assistance services: Assistance and referral via the Benefit Administrator, cardholder is responsible for all costs.

6. United℠ Explorer Card

Trip cancellation: Up to $1,500 per person and $6,000 per trip.

Trip interruption: Up to $1,500 per person and $6,000 per trip.

Rental car insurance: Covers damage or theft with restrictions.

7. Delta SkyMiles® Gold American Express Card

Lost carry on luggage: Up to $1,250 per person for carry on baggage while in direct transit to or from a common carrier terminal, while traveling on a common carrier or while at a common carrier terminal.

Lost checked luggage: Up to $500 per person while traveling on a common carrier.

Rental car insurance: Up to $50,000.

Terms apply.

8. The Platinum Card® from American Express

Trip delay: Up to $500 per trip for delays more than 6 hours.

9. Capital One Venture Rewards Credit Card

Lost luggage: Up to $3,000 per passenger. For New York state residents, coverage is limited to $2,000 per bag.

Travel accident insurance: Up to $250,000.

Rental car insurance: Covers damage or theft with restrictions. Eligible rental periods are limited to 15 consecutive days in the cardholders home country or 32 consecutive days outside it.

10. Hilton Honors American Express Aspire Card

Baggage delay: Up to $100 per carrier for three days.

Do I need additional travel insurance?

Even with the coverage listed above, some credit cards offering travel insurance benefits may not provide enough insurance for your needs. For example, if you have paid $10,000 for a vacation using your card and trip cancellation is not offered, you may want to purchase additional coverage. Likewise, if you book a very expensive trip but your card only covers $10,000 in trip cancellation coverage, you may want to consider additional coverage.

American Express offers full travel insurance options through AmEx Assurance . This specific benefit is available to all travelers and does not require an American Express card. You can pick and choose the coverage you want, and a quote will be processed based on your age, trip expense and days traveling.

For example, here's what we found when requesting insurance for a two-day trip that costs $1,000. You can decide what coverage you'd like and see the full cost of your options:

The quote we received covered 100% reimbursement for cancellation, then offered different levels for other types of coverage.

Medical protection was available for $25,000 to $100,000.

Travel accident protection was available for $250,000 to $1,500,000.

Baggage protection was available for up to $500 to $2,500.

Trip delay coverage was offered for $150 to $1,000 per day, depending on selecting basic, silver, gold or premium options.

When renting a car, be sure to check the specific requirements of your credit card, which may vary by location and type of vehicle.

So do you need travel insurance? A good rule of thumb is if the amount you could lose is more than you want to lose (or can afford to lose) if something goes wrong, get the insurance. For a list of travel insurance companies that provide online quotes, read more about how to find the best travel insurance .

» Learn more: Does trip insurance cover award flights?

Cards with travel insurance, recapped

If you are concerned about an upcoming trip and want to be fully protected, combine your travel credit card insurance with a build-your-own plan to cover what your credit card does not.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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 Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Get to know your WestJet RBC® World Elite Mastercard‡

Thank you for being a WestJet RBC ® World Elite Mastercard ‡ cardholder. We’re here to help you navigate some of the features and benefits that come with your card. In addition to earning WestJet dollars 1 , getting free first checked bags 2 and saving money with your annual round-trip companion voucher 3 your card also has a Status Lift benefit 4 that can also help you get closer to tier status with WestJet and access to airport lounges 5,6 . It also can get you discounts on fuel at Petro Canada 7 , and save you on fees with DoorDash 8 .   

On this page

• WestJet dollars
• Free first checked bags
• Companion vouchers
• Status Lift
• Partner Benefits
• Insurance and protection

WestJet Dollars

Welcome WestJet dollars

Some welcome offers require a minimum spend of $5,000 on your card in the first three (3) months to receive the bonus WestJet dollars. Don’t miss out on valuable WestJet dollars, be sure to use your card to make sure you are earning to its full potential.

Earn WestJet dollars

Use your WestJet RBC ®  World Elite Mastercard ‡ for everyday purchases – no matter how big or small – and watch your WestJet dollars add up. 1

• 1.5% back in WestJet dollars on everyday purchases. 
• 2% back in WestJet dollars on flights or packages with WestJet or WestJet Vacations. 
• As a WestJet Rewards member you’ll also earn WestJet dollars as a percentage of the base fare on the flights, vacation packages and car rentals booked through WestJet.

Redeem WestJet dollars 

It’s your choice: use your WestJet dollars to pay for flights or vacation packages. 9  Redeem on any WestJet flight, including those operated by our codeshare partners. Redeem a few (starting with the minimum) or as many as you want on the base portion of fares. 

Frequently asked questions

WestJet dollars: FAQs

My account is not showing the westjet dollars i was supposed to have received.

You may obtain your current balance and more info on WestJet dollars earned and redeemed by signing into your WestJet Rewards account noted on your welcome email. Once approved for a WestJet RBC Mastercard credit card, please allow four to six weeks after your first purchase transaction for the welcome dollars and companion voucher to be posted to your WestJet Rewards account. 10

Can I use my WestJet dollars with my companion voucher?

You can use your WestJet dollars to pay for the outstanding balance of your base fare when using a companion voucher on WestJet flights.

Free first checked bags 

As the primary cardholder you can receive your first checked bag free for yourself and up to eight (8) additional guests travelling on the same reservation. 2 To make sure you are not charged for your first checked bag please ensure that the WestJet Rewards ID that is associated with your card is included on your reservation. 

Please note, free bags are tied to the WestJet Rewards ID of the primary card holder and the cardholder’s name must be on the reservation. Unfortunately, we are unable to accept cards shown at the airport or the WestJet Rewards ID of the secondary cardholder. Flights must be operated by WestJet. 

Free first checked bags: FAQs

Can my secondary card holder also receive free checked bags when travelling without me.

This benefit is valid for the primary cardholder and up to eight additional guests travelling on the same reservation.

Can I just show my card at the airport to get free bags?

No. The primary cardholder’s 9-digit WestJet Rewards ID must be on the reservation at the time of check-in.

How do I make sure my Rewards ID is on my reservation?

For flight-only bookings, you can add your WestJet Rewards ID during the self-serve check-in process or through Manage trips. When booking a WestJet Vacations package, enter your 9-digit WestJet Rewards ID in the member number field, found on the Payment screen. Alternatively, you may contact us for assistance.

Can bag fees be re-imbursed retroactively?

Yes. The primary cardholder would need to call in as we would require the credit card number to process.

Companion vouchers 

Your card comes with an annual round-trip companion voucher. 3

Just purchase one round trip for yourself (the primary cardholder) and enjoy a reduced fare for the second guest on the same itinerary. 3 Your companion voucher can even be applied towards a Premium fare, if the first fare booked was also in our Premium cabin.

• For travel within Canada and to/from the continental US the companion fare starts from $119 (plus taxes, fees, charges and other Air Transportation Charges)
• The rest of the WestJet network starts from $399 (plus taxes, fees, charges and other Air Transportation Charges)

Companion voucher – Lounge access pass exchange

If you prefer, we also offer the option to exchange your companion voucher for four (4) lounge access vouchers. 5

Companion vouchers: FAQs

Where can i use my companion voucher to fly to.

Depending on your voucher type:

• An annual round-trip companion voucher is valid for flights within Canada or to/from the continental U.S starting from $119 (plus taxes, fees, charges and other Air Transportation Charges) or the rest of the WestJet network starting from $399 (plus taxes, fees, charges and other Air Transportation Charges)
• A limited-offer companion ticket with a $0 base fare is valid for flights within Canada or to/from the continental U.S. (including Hawaii) and Mexico

How long does it take to get my next annual companion voucher into my account after renewal?

30 days after your card renewal date and each year thereafter you will receive a companion voucher in your account.

I don’t see my companion voucher in my account yet?

It will be automatically added to your WestJet Rewards account four to six weeks after your first card purchase, or 30 days after your card renewal date each year thereafter otherwise please call our contact centre.

Can I use my voucher on a Premium fare?

The annual round-trip companion voucher can be used on Premium fares. Buy a Premium fare and the second guest is $219/$499, dependent on destination.

Does the cardholder have to fly?

Yes. This benefit allows you, the primary cardholder, to take anyone on a round trip with you, on the same itinerary, the voucher is not transferable.

Can I use my partner's voucher for myself and my child?

No. This offer allows you, the primary cardholder, to take anyone on a round-trip with you, on the same itinerary, the voucher is not transferable.

Can I transfer my voucher to someone else that can use before it expires?

What is the expiry date of my vouchers can it be extended.

Companion vouchers are valid one year from the date of issuance and cannot be extended. The voucher must be redeemed prior to the expiry date and travel can be later.

Can I use my companion voucher with a promo discount code?

No. Companion vouchers and discount codes are not combinable.

Lounge access pass exchange: FAQs

Can i choose which voucher to convert to rbc lounge access vouchers.

No. The companion voucher with the nearest expiry date will be exchanged.

If I convert my voucher before it expires to RBC lounge vouchers, do they get a new expiry date?

No. The RBC lounge access vouchers will have the same expiry date as the original Annual World Elite companion voucher.

Who can use the RBC lounge access vouchers?

RBC lounge access vouchers may be used by the cardholder and their accompanied guests. Guests/companions may only use the lounge voucher when accompanied by the primary cardholder and taking a same-day WestJet flight from the same airport.

Where can these RBC lounge access vouchers be used?

At available airport lounges in Canada, Europe and the Caribbean, as listed at westjet.com/lounges .

WestJet partner lounges

Get access to WestJet partner lounges for yourself and guests when you achieve Platinum, Gold and Silver tier-status. WestJet RBC ® World Elite Mastercard ‡ cardholders can get closer to achieving their next status with Status Lift, through qualifying spend on their credit card. 4

Mastercard Travel Pass Program

Enjoy Mastercard Travel Pass Program provided by DragonPass 1 and benefit from access to 1,300+ airport lounges worldwide, plus valuable airport dining and spa offers. 6 Download the Mastercard Travel Pass app and register or visit mastercardtravelpass.dragonpass.com.

Lounges: FAQs

Does mastercard travel pass program give me a discount on all lounges.

You will have access to a discount and access to 1,300+ airport lounges worldwide.

How do I access DragonPass lounges?

Download the Mastercard Travel Pass app and register or visit mastercardtravelpass.dragonpass.com .

Can I just show my card?

Can i take someone else in the lounge with me using the discount.

World Elite cardholders can take 1 guest per visit into the airport lounges. Terms and conditions apply.

WestJet Rewards

Status Lift 

The WestJet RBC ® World Elite Mastercard ‡ is taking you higher with Status Lift. As a cardholder your everyday purchases could now bring you closer to achieving status with WestJet, giving you more benefits such as lounge passes, priority boarding, advance seat selection, a higher WestJet dollar earn rate and more. 4

Partner benefits

Enjoy partner benefits

Save more and earn more with benefits from WestJet RBC ® World Elite Mastercard ‡ cardholder partners.

Get a 12-month complimentary DashPass subscription – a value of almost $120 – when you add your eligible card to your DoorDash account. 8

PetroCanada 

Save 3¢/L on fuel and earn 20% more Petro Points when you pay with your linked RBC card 7 .

Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card. 11

Note : This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Please note, this premium card can impose higher acceptance costs on merchants. 

Don’t have a WestJet RBC ® World Elite Mastercard ‡ ? 

Annual fee:

Additional Card:

Purchase rate:

Cash advance rate:

* 21.99% if you reside in Quebec.

Insurance and Protection

Make sure you’re covered for the unexpected with valuable insurance benefits, plus the option for extended coverage.

Delayed Baggage and Flight Delay Insurance

• Coverage begins four (4) hours after the occurrence of your Missed Connection, Delayed Flight, or Denied Boarding, or the arrival of your flight at your destination when your checked luggage is lost or delayed.
• For Flight Delay Insurance, the maximum amount of coverage for reasonable and necessary expenses is $250 per day per covered person to an overall total of $500 per occurrence for all covered persons.
• For Delayed Baggage insurance, the maximum amount of coverage for reasonable and necessary expenses is $500 per occurrence for each covered person to a maximum of $2,500 per occurrence in aggregate for all covered persons.

Auto Rental Collision/Loss Damage Insurance

• This insurance is effective when the full cost of your rental vehicle issued by a rental agency is paid with your WestJet RBC ®  World Elite Mastercard ‡ card and/or WestJet dollars. If only a partial payment is made using WestJet dollars, the entire balance of that rental vehicle must be paid using your WestJet RBC ®  World Elite Mastercard ‡ card in order to be covered.
• The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days, which shall follow one immediately after the other.

Purchase Security and Extended Warranty Insurance

• Purchase Security Insurance provides coverage for loss or accidental physical damage to insured items purchased with your WestJet RBC World Elite Mastercard and/or with WestJet dollars for ninety (90) days from the date of purchase. The maximum amount of coverage is $50,000, or the equivalent number of WestJet dollars, per WestJet RBC World Elite Mastercard per calendar year.
• Extended Warranty Insurance automatically doubles the original manufacturer’s warranty for up to a maximum of one (1) year.

Hotel/Motel Burglary Insurance

• The maximum reimbursement under this insurance for the repair or replacement of your personal property that is lost or damaged due to a burglary is $2,500 per occurrence in the aggregate.

Travel Accident Insurance

• The Travel Accident Insurance covers you in the event of an accidental bodily injury resulting in a loss, including death, while travelling on a common carrier, for up to $500,000 CAD.

Out of Country/Province Emergency Medical – 15-day (Less than 65 Years of Age)

• Coverage is provided for the first fifteen (15) consecutive days of your trip if you are under 65 years of age or for the first three (3) consecutive days of your trip if you are 65 years of age or older.

Trip Interruption Insurance

• The maximum amount covered under Trip Interruption Insurance for each covered person is $5,000 per trip to an overall maximum of $25,000.

Other Frequently asked questions

How do I know if my card is linked to my WestJet Rewards account?

Sign into your WestJet Rewards account that is included in your welcome email after card approval.

My Rewards account is not showing the WestJet dollars I’m earning with my account

Please allow four to six weeks  from your purchase for the WestJet dollars to be posted to your WestJet Rewards account. If after this period WestJet dollars don’t appear, please call our contact centre.

I was assigned a new WestJet Rewards ID when I got my card, how do change it to my previous ID?

Please call our contact centre.

Can I link a different WestJet Rewards ID to my existing card?

Yes. Please call our contact centre for assistance with linking your WestJet Rewards ID to your card.

Where can I find my WestJet Rewards ID?

It is included in the welcome email sent after your card is approved.

Legal, restrictions and terms and conditions

® Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡ Mastercard is a registered trademark of Mastercard International Incorporated. Used under license.

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program, the terms of the WestJet Rewards Program including earning, redemption and administration of WestJet dollars and program changes.

Only available to residents of Canada.

Please ensure that your email address is up to date on your WestJet Rewards account. It is recommended that you review your communication consent and opt-ins to receive all communications.

ADDITIONAL RBC FEES:  Cash Advance: $5.00 Balance Transfer Promotional Rate Fee: Up to 3% of the transaction amount Dishonoured Payment Fee: $45.00 Overlimit Fee: $29.00 (If you reside in Quebec, fee does not apply.) Additional Copies: $5.00 for Monthly Statement, $1.50 for Statement Updates at the ATM, $2.00 for Transaction Receipts Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (no fee in Quebec)

1. You will earn 1.5% back in WestJet dollars on your everyday purchases and 2.0% back in WestJet dollars when you purchase WestJet flights or WestJet Vacations packages. The additional 0.5% back in WestJet dollars is calculated separately and is in addition to the WestJet dollars you earn on everyday purchases; however it may not be accrued under certain circumstances. In order to receive the additional 0.5% in WestJet dollars, WestJet or WestJet Vacations must appear as the merchant on your credit card statement. WestJet dollars are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet dollars earned by the amounts originally charged.  2. Valid for primary cardholders of the WestJet RBC World Elite Mastercard and up to eight (8) additional guests travelling on the same reservation; not valid for companions when travelling on a group booking (10+ guests on the same reservation). Eligible member's 9-digit WestJet Rewards ID must be on the reservation at the time of check-in. Valid on itineraries marketed and wholly operated by WestJet; not valid when travelling with WestJet's code-share or interline partners. Size and weight of baggage must comply with WestJet’s standard checked baggage allowance. Any piece of baggage exceeding the size or weight allowance is subject to all applicable oversized weight and size restrictions and fees.  More details . May only be used as described and has no monetary or other exchange value.  3. Applicable to World Elite Companion Vouchers issued prior to June 30, 2024: Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome round-trip companion voucher (the “World Elite Companion Voucher”) to appear on your WestJet Rewards account, accessible at  westjet.com/account . The World Elite Companion Voucher is offered to new WestJet RBC World Elite Mastercard cardholders only, and annually thereafter 4-6 weeks after the annual fee is charged. Primary cardholder may use the World Elite Companion Voucher only once for one of these options of: A) round-trip flight for travel in Canada and the continental U.S. for $119 CAD; or B) round-trip flight to/from the rest of the WestJet network for $399 CAD. Applicable taxes, fees, charges and other ATC (Air Transportation Charges) on the World Elite Companion Voucher must be paid at time of booking. Additional fees may apply for bookings made via the Contact Centre. 

World Elite Companion Voucher may only be used: A) for all published and eligible UltraBasic, Econo, EconoFlex, Premium, and PremiumFlex fares wholly marketed and operated by WestJet; B) if the companion is travelling with you on the same itinerary; and C) for new bookings made through  westjet.com  or WestJet’s Contact Centre. World Elite Companion Voucher cannot be: A) used for Business, BusinessFlex or Member Exclusive fares; B) applied to existing reservations; nor C) used for group bookings or WestJet Vacations bookings, WestJet Vacations Quebec or Sunwing Vacations bookings. Other terms and conditions apply. Visit  westjet.com/companion-voucher  for complete details. The welcome (first) World Elite Companion Voucher is not available to existing or former WestJet RBC World Elite Mastercard primary cardholders applying for or transferring to a WestJet RBC World Elite Mastercard. Additional cardholders (co-applicant and authorized user(s)) are also not eligible for the World Elite Companion Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and conditions of the World Elite Companion Voucher are established by WestJet, not Royal Bank of Canada, and WestJet reserves the right to change or withdraw this offer at any time. For complete details, visit  westjet.com/companion-voucher 

Applicable to World Elite Companion Vouchers issued on or after June 30, 2024: Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome round-trip companion voucher (the “World Elite Companion Voucher”) to appear on your WestJet Rewards account, accessible at westjet.com/account. The World Elite Companion Voucher is offered to new WestJet RBC World Elite Mastercard cardholders only, and annually thereafter 4-6 weeks after the annual fee is charged. Primary cardholder may use the World Elite Companion Voucher only once for one of these options of A) round-trip flight for travel in Canada and the continental U.S. for $119 for UltraBasic, Econo and EconoFlex fares (“Economy Fares”) or for $219 for Premium and PremiumFlex fares (“Premium Fares”); or B) round-trip flight to/from the rest of the WestJet network for $399 for Economy Fares or for $499 for Premium Fares. Applicable taxes, fees, charges and other ATC (Air Transportation Charges) on the World Elite Companion Voucher must be paid at time of booking. Unless otherwise stated, companion voucher fees are quoted in Canadian dollars (CAD) and are quoted for flights originating in Canada. World Elite Companion Voucher bookings originating outside of Canada will be in the currency of the departure country. Visit westjet.com/creditcard-companion-voucher for complete details. Additional fees may apply for bookings made via the Contact Centre.  

World Elite Companion Voucher may only be used: A) for all published and eligible Economy Fares and Premium Fares wholly marketed and operated by WestJet; B) if the companion is travelling with you on the same itinerary; and C) for new bookings made through westjet.com or WestJet’s Contact Centre. World Elite Companion Voucher cannot be: A) used for Business, BusinessFlex or Member Exclusive fares; B) applied to existing reservations; nor C) used for group bookings, WestJet Vacations, WestJet Vacations Quebec or Sunwing Vacations bookings Other terms and conditions apply. Visit westjet.com/companion-voucher for complete details. The welcome (first) World Elite Companion Voucher is not available to existing or former WestJet RBC World Elite Mastercard primary cardholders applying for or transferring to a WestJet RBC World Elite Mastercard. Additional cardholders (co-applicant and authorized user(s)) are also not eligible for the World Elite Companion Voucher offer. This offer may not be combined or used in conjunction with any other offer. Terms and conditions of the World Elite Companion Voucher are established by WestJet, not Royal Bank of Canada, and WestJet reserves the right to change or withdraw this offer at any time. For complete details, visit westjet.com/creditcard.  4. WestJet RBC World Elite Mastercard primary cardholders will have access to a new annual benefit, "Status Lift", to help you get closer to Silver, Gold or Platinum status each year. With Status Lift, you can earn $500 in tier qualifying spend, which applies towards achieving the next WestJet Rewards tier, for every $15,000 CAD in Eligible Purchases on your WestJet RBC World Elite Mastercard (up to a maximum of $1,500 in tier qualifying spend in a qualifying year). WestJet’s qualifying year is January 1 to December 31 of each calendar year. “Eligible Purchases” means net purchase transactions (including transactions on additional cards) that appear on your WestJet RBC World Elite Mastercard monthly statements prepared between January 1 and December 31 of each year, explained in further detail below. It is not based on the actual purchase or transaction date. 

For example, Teal members earning the maximum of $1,500 in tier qualifying spend on Eligible Purchases with Status Lift would be halfway to achieving the $3,000 in tier qualifying spend to achieve Silver status. Similarly, members with existing Silver, Gold or Platinum status can use the $1,500 Status Lift towards requalifying for their current tier, or moving up to the next tier, as applicable. 

Status Lift will automatically take effect beginning with your first monthly statement following the first purchase transaction on the credit card account. 

Eligible Purchases for Status Lift are purchases for goods and services minus returns and other credits; credits for returns and adjustments will reduce or cancel Status Lift earned. Eligible purchases do not include fees, interest charges, or cash advances (including balance transfers, cash-like transactions and certain bill payments). 

Tier qualifying spend derived from Status Lift is earned through Eligible Purchases on the WestJet World Elite Mastercard and will be included in the calculation for determining the tier and resulting status of the primary cardholder only, subject to these benefit conditions. 

To determine your spend for Status Lift, WestJet will divide the WestJet dollars reported on your WestJet RBC World Elite monthly statement by the standard WestJet dollar earn rate of 1.5%. Any bonus or additional WestJet dollars you may earn will not count towards Status Lift. The date on which your monthly statement is prepared and the WestJet dollars earned as determined by Royal Bank of Canada and reported on your statement will determine the qualifying year that the Eligible Purchases and any resulting Status Lift will be applied to, regardless of when the WestJet dollars are deposited to your WestJet Rewards account. For example, if your monthly statement is prepared on December 27, your Eligible Purchases will count towards Status Lift for the current qualifying year, even if the WestJet dollars are deposited to your account in the following year. 

Status Lifts are awarded based on your credit card monthly statement date (that is, the date your statement is prepared), not the purchase or transaction date for individual purchase transactions. For greater clarity, Eligible Purchases made prior to the end of the qualifying year will not be eligible for Status Lift for that qualifying year if they do not appear on a monthly statement prepared prior to December 31. For example, if your credit card statement is prepared on the 27th day of each month and you make a purchase on December 28, the transaction will be included on your January statement and will not be an Eligible Purchase for the current qualifying year. 

Status Lift of $500 CAD will be awarded up to three times during the qualifying year when your Eligible Purchases total 1) $15,000, 2) $30,000 and 3) $45,000. Each Status Lift will be awarded approximately 10 business days after the credit card statement date in which the spend threshold is achieved. 

To receive Status Lift, your credit card account must be open and in good standing at the time of the benefit award. If you cancel your WestJet RBC World Elite Mastercard credit card before the end of a qualifying year, WestJet reserves the right to remove any Status Lift or tier adjustments you may have received through this benefit. 

Status Lift amounts earned through this benefit are not counted towards the awarding of Milestone awards within the WestJet Rewards program. 

The Status Lift amount and tier qualifying spend earned on WestJet flight or vacation packages will be combined to calculate total tier qualifying spend which counts towards the achievement of your immediate next tier. Your tier qualifying spend will reset at the start of each qualifying year (January 1st). 

The end of the qualifying year is December 31, without regard to the time of the year that the WestJet RBC World Elite Mastercard credit card account is opened. This means that in the cardholder’s first year, the eligibility period for the Status Lift benefit may be less than twelve months. 

This benefit has no monetary or other exchange value and cannot be sold or transferred. 

WestJet and RBC reserve the right to change or withdraw the benefit at any time. 5. WestJet RBC World Elite Mastercard primary cardholders may exchange each valid Annual World Elite round-trip companion voucher for four (4) one-time use lounge access vouchers (“Lounge Vouchers”) at WestJet partner airport lounges. Applicable to WestJet RBC World Elite Mastercard primary cardholders with a valid Annual World Elite round-trip companion voucher (“World Elite companion voucher”). All requests to exchange a World Elite companion voucher for Lounge Vouchers must be submitted at  westjet.com/lounge-exchange , a minimum of 4 days prior to the cardholder’s planned date of travel and prior to the expiry of the World Elite companion voucher. Cardholders will be able to view the Lounge Vouchers and their expiry date(s) within the Vouchers section of their WestJet Rewards account. These vouchers will be identified as: Lounge Access – RBC. Lounge Vouchers will have the same expiry date as the World Elite companion voucher used for the exchange. Lounge Vouchers must be redeemed prior to the expiry date. If you have multiple World Elite companion vouchers, the first to expire will be the first one exchanged. Sign in to see available vouchers at westjet.com. There is no limit on the number of World Elite lounge vouchers that may be exchanged. If a Lounge Voucher expires after a cardholder has exchanged a World Elite companion voucher but before the Lounge Voucher has been redeemed, the Lounge Voucher will not be valid. Once a cardholder has requested an exchange of a World Elite companion voucher for (4) Lounge Vouchers, the request will be considered final and cannot be cancelled or reversed.  

Lounge Vouchers may be used by the WestJet RBC World Elite Mastercard primary cardholder and their accompanied guests. Guests/companions may only use Lounge Vouchers when accompanied by the primary cardholder and taking a same-day WestJet flight from the same airport. If the primary cardholder already has access to WestJet partner lounges through Platinum, Gold or Silver status, Lounge Vouchers may be used for additional guests/companions accompanying them. Lounge Vouchers are valid at WestJet partner airport lounges only, up to three hours before flight departure. Visit  westjet.com/lounges(opens to external site)  for a current list of lounges. A valid boarding pass displaying the primary cardholder’s WestJet Rewards ID and a WestJet flight number for a departing flight must be presented at time of lounge entry: a printed voucher is not required for redemption. Lounge Vouchers are valid when travelling on WestJet-marketed flights only (identified by a WS carrier code preceding the flight number); not valid when travelling on partner-marketed itineraries.  

Lounge Vouchers may only be used has described, have no monetary or other exchange value and are non-transferable. Unused World Elite companion vouchers and Lounge Vouchers will automatically be cancelled on the date your WestJet RBC World Elite Mastercard account is closed. Royal Bank of Canada and WestJet reserve the right to modify, cancel or withdraw this offer at any time, even after acceptance by you. Terms and conditions of the Lounge Voucher are established by WestJet and WestJet reserves the right to change or withdraw this offer at any time. For full details on Lounge Voucher use visit  https://www.westjet.com/en-ca/rewards/rbc-mastercard/lounge-exchange#lounge-RBC . Terms and conditions of this benefit are subject to the WestJet Rewards  Program Terms and Conditions(opens to external site)  at the time of redemption. WestJet, not Royal Bank of Canada, is solely responsible for the terms of the WestJet Rewards Program. 

6. Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid WestJet RBC World Elite Mastercard cards. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a World Elite Mastercard cardholder). Access to participating DragonPass Airport Lounges is at the cost of US$32 per person (subject to change), per visit, and lounge access charges will be billed to the World Elite Mastercard card connected to the cardholder’s DragonPass membership. DragonPass benefits do not apply to all lounges, including (as of May 30, 2022) the Calgary WestJet Elevation lounge. To view a full list of participating DragonPass Airport Lounges, their facilities, opening times and restrictions, cardholders can visit  airport.mastercard.com . By using this benefit , you agree to all of DragonPass terms and conditions, including privacy and security policies available at  mastercardtravelpass.dragonpass.com . These policies may be amended or updated at any time and without notice. RBC and WestJet reserve the right to modify or cancel this benefit at any time and without notice. Mastercard Travel Pass, DragonPass Airport Lounges and associated services are provided by DragonPass, not Royal Bank of Canada (“RBC”) or WestJet, and RBC or WestJet are not responsible for any claims or damages arising from the use of the Mastercard Travel Pass or the DragonPass Airport Lounges services. Mastercard reserves the right to cancel, modify or withdraw this benefit at any time, even after you have enrolled in Mastercard Travel Pass. 

7. To participate in this offer, you must link your WestJet RBC World Elite Mastercard (“RBC Card”) to a Petro-Points Account. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the  Petro-Points Terms and Conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases . 

8. To receive a complimentary DashPass subscription for 12 months and pay $0 delivery fees on orders of $15 or more at eligible restaurants for 12 months when you pay with your WestJet RBC World Elite Mastercard, you must subscribe to DashPass by adding your WestJet RBC World Elite Mastercard credit card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before June 7, 2024 (“Offer Period”). If you are an existing DashPass subscriber and have already added another eligible RBC Credit Card to your account, you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at  https://help.doordash.com/consumers/s/terms-and-conditions  . 

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive a 12-month Complimentary DashPass Subscription when you use your WestJet RBC World Elite Mastercard credit card to subscribe to DashPass. 

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription. 

Your WestJet RBC World Elite Mastercard credit card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription, you cannot use the same WestJet RBC World Elite Mastercard credit card to obtain a Complimentary DashPass Subscription with another DoorDash account. 

The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12-month Complimentary DashPass Subscription. Your WestJet RBC World Elite Mastercard credit card account must be open and not in default to maintain the benefits of DashPass. 

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit  www.doordash.com/dashpass (opens to external site) . For full DashPass for RBC Program Terms and Conditions, visit  rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf.

DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly subscription fee of $9.99 CAD. To learn more about DashPass visit  www.doordash.com/dashpass (opens to external site) . 

9. WestJet dollars can be used towards payment of the base fare of an eligible WestJet flight or WestJet Vacations package, available on westjet.com, through WestJet’s contact centre, eligible Sunwing Vacations package or a WestJet Vacations Quebec packaage. WestJet dollars cannot be applied against taxes, fees or charges and can only be used for new bookings. Minimum redemption rules on flights apply when purchasing Economy, Premium and Business fares; the entire base fare must be paid with WestJet dollars when purchasing a Member Exclusive fare. A minimum redemption amount of 50 WestJet dollars per booking applies for WestJet Vacations package bookings and eligible Sunwing Vacations package bookings. Other restrictions may apply and are subject to change at any time. Full details available at  westjet.com/redeem . 

10. Once approved for the WestJet RBC World Elite Mastercard, please allow 4-6 weeks after the first purchase transaction date for the welcome WestJet dollars to appear on your WestJet Rewards account. Your WestJet Rewards account is accessible at  westjet.com/account .  

At the time you applied for the WestJet RBC World Elite Mastercard, if the welcome offer required a minimum spend of $5,000 in Qualifying purchases within the first three (3) months to receive additional bonus Westjet dollars, the following conditions will apply: To be eligible for the additional WestJet dollars (“Additional WestJet dollars”) you must have applied for the WestJet RBC World Elite Mastercard and have been approved by Royal Bank of Canada. The Additional WestJet dollars will be awarded to you if (i) a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first 3 months of your Credit Card Account opening date (“Period”), and (ii) your Credit Card remains open and in good standing at the time the Additional WestJet dollars are awarded to your WestJet Rewards account, approximately 6 weeks after the date you reach $5,000 in Qualifying Transactions.  

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date.  This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period. 

If you close or change your WestJet RBC World Elite Mastercard credit card for another type of RBC Royal Bank credit card before the Welcome WestJet dollars and/or the Additional WestJet dollars have been credited to your WestJet Rewards account, you may lose the benefit of this offer.  Welcome offers may not be combined or used in conjunction with any other offer, except as otherwise set out. Royal Bank of Canada and WestJet reserve the right to modify, cancel or withdraw welcome offers at any time without notice, even after your application has been approved, as determined by Royal Bank of Canada in its sole discretion. The amount of Welcome WestJet dollars and Additional WestJet dollars for which you are eligible varies depending on the Welcome offer applicable at the time you applied for the WestJet RBC World Elite Mastercard.  

11. To participate in this offer, you must link your WestJet RBC World Elite Mastercard (“RBC Card”)to a Be Well Card. You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details, and defined terms, visit Be Well Terms and Conditions available at  https://www.letsbewell.ca/terms-conditions

Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law. 

13. Available in-flight on aircraft where WestJet Connect is available. Terms and conditions apply. Boingo services provided by Boingo Wireless, Inc. Cardholders eligible for Boingo Inflight Wi-Fi will be able to connect 12 times per calendar year for 90 minutes each session. There is no limit to the amount of data that can be consumed during these sessions.  There are no changes to the existing use of land-based Boingo Wi-Fi Hotspots.  Register at  mastercard.boingo.com . 

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Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):

• transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
• transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
• transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
• Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
• any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.

Your responsibilities:Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:

• you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
• you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
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• you consent to, contribute to or authorize a transaction in any way.

Exceptional Losses: In no event, even if we are negligent, will we be liable for any loss of data, or any indirect, consequential, special, aggravated, punitive or exemplary damages, in whole or in part, (including any business interruption, loss of profits, data, information, opportunity, revenues, goodwill or any other commercial or economic loss), caused to you, regardless of the cause of action, even if we were advised of the possibility of such damages.

For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Client Card Agreement (opens pdf in a new window) for personal banking clients, and the Master Client Agreement (opens pdf in a new window) for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.

Robert MacIntyre didn't like the buzzing of the CBS drone one bit and let them know at 2024 RBC Canadian Open

HAMILTON, Ontario – Robert MacIntyre doesn’t like drones.

“If it didn't go away, I was going to start throwing my clubs at it,” he said. “That's how annoyed I was getting.”

During Sunday’s final round of the RBC Canadian Open , the CBS Sports drone following his pairing bothered him to end.

It had started on Saturday on the 18 th hole but it began in earnest on the drivable par-4 fifth hole when the crowd went silent.

“It's a big wasp. I asked 'em to get rid of it. They did,” he explained. “Next hole, I'm in the bunker, and sure enough everyone's silent and all I hear is this buzzing again. I look up and here it is. And, I don't know, one of the guys must have been getting sick of me. I just kept turning to him because I knew he was the man to go to when that drone starts annoying me because yesterday on 18 it was the same guy. And he just radioed, 'Get that drone out of here.'”

RBC Canadian Open:  Photos  |  Merchandise  |  Leaderboard

MacIntyre could be heard saying, “I told you once, I’m not going to tell you again.”

On the CBS broadcast, Jim Nantz, Dottie Pepper, who was following the group, and Trevor Immelman understood that it was disturbing MacIntyre but pushed back that drones are now part of the coverage. A request for a comment from CBS Sports wasn’t answered.

“They were horrible,” MacIntyre’s father, Dougie, who served as his caddie this week, said. “He was getting a wee bit agitated. It takes your concentration. In the back of the head you’re thinking about the buzzing so he called the rules official over.”

That occurred at the ninth fairway when MacIntyre was preparing to hit a wedge to the green.

“All I can hear is this drone again, and I had had enough at that point. Rules official from the R&A was just beside us, and I brought her over, and I said, ‘Look, this drone needs to get out of here. I've said it three times now. The drone is annoying me, the drone's putting me off, it's too close.’ I mean, it's easier when the blimps up there, but it's obviously the weather and stuff and it's just, I had a job to do, and anything that was getting in my way was getting told to get out of the way. I was focused today and that drone was doing my head, and so I told it to get away.”

MacIntyre’s father said he helped calm down his son, who focused on the task at hand and earned his first Tour title.

“He gets grumpy. That’s his downfall. When he gets grumpy and mad at himself the game goes. He knows it himself,” Dougie said.

But the big wasp in the sky failed to sting MacIntyre on Sunday.

More 2024 RBC Canadian Open

2024 rbc canadian open prize money payouts for each pga tour player at hamilton golf & country club, robert macintyre wins 2024 rbc canadian open with dad dougie on the bag, after fluff cowan takes a tumble, c.t. pan turns to a fan to caddie at 2024 rbc canadian open, the rink is the place to be and be heard (like a hockey fan) at rbc canadian open.

How Chase Sapphire travel insurance saved my family over $1,500

Planning a dream vacation is always exciting. But no matter how carefully you plot out the details, sometimes life throws a wrench in the works.

Unfortunately, that's what happened on a recent trip that I took with my family earlier this year. Luckily, my Chase Sapphire Reserve® and its travel protections came to the rescue right when we needed them, saving us over $1,500 all told.

Here's what happened and how we were able to leverage my card's benefits to avoid losing a lot of money.

Planning our dream vacation ... then canceling it

In February, my husband, our son and I were all set for an incredible safari adventure. We were going to stay at the Retreats at Sayari in Tanzania, where lions, cheetahs and elephants are often spotted roaming freely around the area. After that, we planned to end the trip with a few days of relaxation at Mango House Seychelles, LXR Hotels and Resorts — a luxury hotel on the Seychelles' largest island , Mahe.

We had been planning our trip for months, figuring out the logistics and how to save the most money on such a grand journey. We booked our flights using my Chase Sapphire Reserve® card and redeemed some of our Ultimate Rewards points to reduce the cost of the trip.

Redeeming the points directly through Chase Travel℠ at a rate of 1.5 cents apiece completely covered the cost of our three tickets on a Kenya Airways hopper flight from Nairobi to the Seychelles.

We also transferred some of our leftover points to Qatar Airways Avios and used them to book a portion of our trip in the airline's luxurious business-class QSuites ; we paid the balance on the Chase Sapphire Reserve. Despite using points for part of the journey, the out-of-pocket expense was still several thousand dollars.

With everything squared away, we eagerly counted down the months and days until our trip. However, just one day before our departure, our son came down with the flu. Traveling with our sick child was out of the question, especially on a complicated itinerary like this, where we may not be able to seek medical care easily if we needed it.

So, with heavy hearts, we canceled the entire trip. While we managed to get our money and points back for the flights, the airlines hit us with cancellation fees. We had to pay $327 to Kenya Airways and $1,080 for two tickets on Qatar Airways, totaling just over $1,500 in fees. The third Qatar Airways ticket was booked on another card and it was fully refundable, so we didn't have to worry. Still, ouch.

Benefits of Chase Sapphire Reserve's travel insurance

Feeling the sting of those fees, I decided to explore the travel insurance benefits provided by my Chase Sapphire Reserve . This card offers a plethora of protections that many cardholders, myself included, often overlook. But they can come in handy for situations like mine, and that's exactly what they're intended for.

Here are some of the travel protections of the Chase Sapphire Reserve , specifically.

Trip cancellation and interruption insurance

This benefit covers up to $10,000 per person and $20,000 per trip for nonrefundable travel expenses if your trip is canceled or interrupted due to sickness, severe weather and other covered situations. As with any type of insurance, be sure to read the terms and conditions carefully to ensure that your trip and circumstances will be eligible.

Trip delay reimbursement

This covers expenses like meals and lodging if your travel is delayed more than six hours or requires an overnight stay for a covered reason.

Baggage delay insurance

This type of insurance reimburses you for essential purchases such as clothes or toiletries if your baggage is delayed more than six hours.

Lost luggage reimbursement

This protection will reimburse you up to $3,000 per person per covered trip if your luggage is lost or damaged. Note that certain items like electronics and jewelry are not covered.

Travel and emergency assistance services

This service provides legal and medical referrals or other travel assistance when you encounter problems away from home. This service does not cover the cost of these services, but you will have help finding them.

Emergency medical and dental benefit

This benefit reimburses travelers up to $2,500 for medical expenses if you or an immediate family member get sick or injured 100 miles or more from home.

My experience filing a Chase Sapphire travel insurance claim

After brushing up on these benefits, I figured my situation should be eligible for the card's trip interruption and cancellation benefit. I decided to file a claim for the $1,500 in airline cancellation fees.

Filing a trip interruption and cancellation claim with Chase was straightforward in my case, but it required patience, persistence and diligence (and we have had reports of issues dealing with Eclaims from readers in the past).

I used the online form available through the Eclaims Line website . The form asked for detailed information about our trip, including:

• The reason for the cancellation
• Our flight itineraries
• Medical records
• Receipts of expenses
• The airlines' cancellation clauses for our tickets

After submitting my initial claim, I had several back-and-forth calls and emails with Chase; the company requested additional documents and clarifications, such as written proof of the airlines' cancellation policies, documentation of the cancellation fees I had paid and more. While this part of the process was time-consuming, I knew it was important to be thorough and responsive to expedite the approval.

And just remember that there are time limits on when you can submit a claim. With Chase Sapphire Reserve's trip interruption and cancellation insurance, you have to contact Eclaims within 20 days of your trip cancellation to have the chance of being covered.

Finally, after a couple of months of providing the necessary documentation and answering follow-up questions, we received approval for our claim. In the meantime, we covered the cancellation fees by putting them on our Chase Sapphire Reserve.

I started the claim process around Feb. 15. In the first week of May, about 78 days later, $1,507 was directly deposited into our bank account. The relief was immense. Knowing that we had this safety net gave us peace of mind and softened the blow of our canceled trip.

Key takeaways for travelers

Here's what I learned from my experience using the Chase Sapphire Reserve's trip interruption and cancellation coverage and what other travelers should remember in case they ever need to invoke it.

Know your benefits

Familiarize yourself with your credit card's travel protections . Many premium credit cards , like the Chase Sapphire Reserve , come with robust insurance benefits that can save you significant money if things go wrong.

Keep documentation handy

When planning a trip, save all receipts, itineraries and correspondence. This will make filing a claim smoother and ensure you have all the documentation you're likely to need handy.

Be patient and persistent

The claims process can be lengthy and require multiple documentation submissions. Stay organized and respond promptly to any requests from the insurance provider.

Start your claim as soon as possible

If you encounter an issue that your card's travel insurance might cover, file a claim quickly. The potential savings can be substantial, and you don't want to lose out on any money by missing the claim submission time window.

Bottom line

While we were disappointed to miss our safari and Seychelles getaway, the silver lining was discovering just how valuable the Chase Sapphire Reserve's travel insurance can be. It saved us more than $1,500 and provided a safety net that turned a potentially major financial hit into a manageable situation.

So, next time you're booking a trip, consider the peace of mind that comes with knowing a reliable travel insurance policy protects you.

Travel Insurance

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Travel packages.

Coverage for the widest range of unexpected travel situations.

Travel Medical

Coverage to fill the gap left by my provincial health insurance.

Cancellation & Interruption

Coverage for non-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.

Visitors to Canada

When visiting, immigrating to or studying in Canada and need emergency medical coverage.

Travel Insurance Advice by Trip Type

Choose from the topics below for some quick advice on the type of coverage that may be right for you:

Travel Insurance FAQs

Have a question about travel insurance? Get the answers you need here.

For questions about travel and COVID-19, please visit the COVID-19 page.

• Eligibility
• Emergencies

Our goal is to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.

Note : Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Yes, you may purchase a policy for your parents. Simply call us at 1-866-896-8172 , buy online , or visit an RBC Insurance Store . Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

Yes, it is recommended that you buy coverage for your spouse as well.

This answer depends largely on your child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare ® Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, consider buying a travel insurance package or trip cancellation and interruption insurance .

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

You may extend your coverage if you extend your trip, subject to certain conditions of your policy.

If you've purchased a single trip plan, the following conditions apply:

• If you have not had a medical condition during your trip or while covered under your policy, you can request an extension by contacting us at 1-866-896-8172 before your original policy’s expiry date.
• If you have had a medical condition during your trip and while covered under your policy, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original policy. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before your original policy’s expiry date.
• If we are unable to extend your particular policy's coverage due to the trip duration limits of your policy, you may be able to purchase a new policy from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up policy for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us at 1-866-896-8172 to purchase top-up coverage.
• After your effective date and if you have not had a medical condition during your trip, you must contact us at 1-866-896-8172 before your original policy’s expiry date to purchase top-up coverage.
• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up policy apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up policy you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the policy documents for complete coverage details regarding trip extensions.

It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you have an RBC Royal Bank ® credit card?

To review the travel insurance coverage that comes with your RBC Royal Bank credit card, visit: www.rbcroyalbank.com/cards/documentation/index.html and click the "Insurance Certificate" link for your card.

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy. 2

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses 1
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance —either as stand-alone coverage or as part of one of our insurance packages .

If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.

If you purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the individual policy document.

You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and purchase top-up coverage.

Please see the policy document for complete coverage details regarding top-up coverage.

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, subject to certain conditions:

• If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
• If you are 40-74 years of age , you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.

Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

Yes! Tell them about our Visitors to Canada Plans , which offer affordable emergency medical protection to visitors, immigrants, foreign students and Canadians without government health plan coverage.

We strongly recommend you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

RBC Insurance has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims.

Whether you have a new claim or questions about an existing claim, representatives will work with you to make things as easy as possible. Visit the Travel Insurance Claims page for more details about how to submit a claim.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

• If you require emergency care on your trip , call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
• If you need to cancel your trip prior to departing , call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancellation. Call Allianz Global Assistance the same day.
• For all claims , carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live. Visit the Travel Insurance Claims page for more details about how to submit a claim.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world . Or as an alternative, you can email Allianz Global Assistance at: [email protected] . Disclaimer 3

The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.

Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.

They're available 24 hours a day, seven days a week.

If you don't call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited. As stated in your policy, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan.

You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and our representatives are here to help at our toll-free emergency contact number. However, if your medical condition Opens in new window prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

They may call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Or as an alternative, they can email3 Allianz Global Assistance at: [email protected] .

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

Travel together. Save together.

Travelling with a group of 10 or more? Save with a group discount and enjoy all the benefits of RBC ® Travel Insurance.

Reasons to Love RBC Travel Insurance

Coverage available for all ages.

If you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

Simplified Medical Questionnaire

Age 65 or over? Buying travel insurance is faster than ever – no long, complicated medical questionnaires.

Variety of Coverages

Whether you’re going on an overseas adventure, or a quick jaunt to another province or state for the weekend, a variety of packages and plans are available to cover your travels.

24/7 Worldwide Emergency Medical Assistance

Experienced staff at the 24/7 assistance centre will provide:

• Caring, multilingual support
• Help finding local medical care
• Access to emergency air ambulances
• Access to expert medical professionals who will monitor your care
• Help with transportation to the nearest medical facility

For emergency medical and travel assistance

• See Emergency Contact Details

For questions about travel insurance or claims

• Speak to a Travel Advisor at 1-888-896-8172
• Get a Quote

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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 .

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The latest perks for summer are worth exploring.

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Special invitations for Chase Sapphire Reserve cardholders at Paris Olympics

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For the second time, American Express is releasing a limited-edition credit card made from a retired Jumbo Jet. It was so popular last time that AmEx is creating twice as many cards made from two separate 747 planes that were retired in 2017. The cards, which have a new white glossy finish, became available in late April although they will stop being offered June 5.

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