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RACV Travel Insurance

Racv has multiple plans tailored to domestic and international travel, but if you’ve got something out of the ordinary on the itinerary, you might not be covered..

In this guide

Summary of RACV's International Comprehensive policy

How does racv travel insurance cover covid-19, what policies does racv offer, here's a breakdown of racv travel insurance features, standard features, optional add-on, how to make an racv travel insurance claim, here's the bottom line about racv travel insurance, frequently asked questions, compare your travel insurance quotes.

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• By becoming an RACV member, you can access generous discounts on its insurance policies. We struggled to find another insurance provider offering similar benefits.
• Enjoy free cover for dependent children under the age of 25 on any policy. This is better than the industry standard that limits dependants to those under the age of 18 or sometimes 21.
• RACV doesn't have much choice of optional cover and its detailed list of exclusions could be a turn-off for some. If you're looking for cover for some adventure activities, like sky diving , you'll have to look elsewhere.

Compare other options

Table updated January 2023

RACV covers COVID-19 in a variety of scenarios that include medical expenses and cancellation. Here's what you can expect:

• Cancellation fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to COVID-19
• Medical, hospital and emergency expenses outside of Australia if you are diagnosed with COVID-19
• Emergency or additional expenses including travel and accommodation costs if you are diagnosed with COVID-19
• Funeral expenses if you, your children or your grandchildren die while overseas
• Boarding kennel or cattery fees if you're delayed beyond your return date
• Travel delay expenses if your scheduled transport is delayed due to COVID-19

However, some exclusions apply, so it's important to review RACV's product disclosure statement (PDS) to ensure you'll have enough cover when you need it the most.

RACV's COVID-19 benefits are only available under its Comprehensive and Domestic policies. Plus, there is also a combined maximum benefit of up to $3,500 for cancellation, additional and travel delay expenses. This might not be enough cover if you're planning a big trip.

If RACV's COVID-19 cover isn't quite hitting the mark, we've compared all the providers that offer cover for COVID-19 .

RACV has a wide variety of travel insurance to choose from. If you're heading overseas, you've got Comprehensive, Essentials, Basics and Annual Multi-trip policies. For travel around Australia, there are Domestic, Domestic Cancellation and Rental Car Excess policies.

International Comprehensive

International Essentials

International Basic

Annual Multi-trip

Domestic Cancellation

Rental Car Excess

This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido). It comes with a 21-day cooling-off period and a choice of excess .

The cooling-off period gives you 21 days from the date of issue of your policy to make sure this is the right policy for you. You'll receive a full refund provided you have not started your trip and that you do not want to make a claim or exercise any other right under the policy.

These are some of the main insured events that RACV will cover you for if something goes wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. Comprehensive versus the Basics policy ).

• Accidental death and disability
• Cancellation fees and lost deposit
• Financial default
• Funeral expenses overseas
• Loss of income
• Overseas medical, dental and hospital
• Rental car excess
• Special events
• Travel delay

Even RACV's comprehensive cover doesn't include everything. If you're finding your chosen policy a bit lacking, there are some optional benefits that you can add on for an additional premium.

• Cruise cover is all about loss or damage when you're exploring the high seas . It covers medical expenses and medical evacuation while on board the ship.
• Ski and winter sports cover is essential if you plan on hitting the slopes . This add-on covers medical expenses, equipment hire and even prepaid ski passes, ski hire, tuition fees or lift passes if you fall ill.

RACV has a ton of standard inclusions, especially if you opt for its Comprehensive cover , but, as with any insurer, there are certain conditions in which your policy won't pay out. They include the following:

• The Department of Foreign Affairs and Trade issuing a "Do Not Travel" advisory to your country or region of intended travel
• Errors, omissions or failure to obtain the relevant visa , passport or travel documents
• You drive a vehicle ( including a motorcycle ) without a current Australian driver's licence or a valid licence for the country you're in (even if that country doesn't require you to hold one)
• Travel booked or undertaken against the advice of your doctor
• Travel booked or undertaken to seek medical treatment or review
• Being under the influence or addicted to intoxicating liquor or drugs except a drug prescribed to you
• Elective surgery including cosmetic treatment, body piercing or tattooing
• Some adventure activities, including engaging in open water sailing , going rock climbing using ropes or climbing equipment and sky diving
• Diving underwater using an artificial breathing apparatus
• Unexpected pregnancy complications after the 26th week or childbirth after the 26th week that is accelerated by accidental injury

Make sure you review RACV's PDS for a detailed breakdown of what you can expect to be covered for, found under its list of general exclusions .

You can contact the RACV claims team at 1300 207 387 to start the claim process. Alternatively, the quickest way to make a claim is by using the online claim lodgement following the steps below.

• Head to https://racv-onlineclaim.tmnfatravelinsurance.com.au/Account/Register
• Register with the email address you used to purchase your policy
• Complete your claim details by answering all sections
• Upload any supporting documents relevant to your claim
• Submit and your claim should be assessed within 10 working days

RACV offers one of the most varied suites of travel insurance offerings that we've seen. With 7 different levels of cover, you're likely to find something to fit both your budget and travel plans. Key benefits include free cover for dependent children under 25, no additional premium for motorcycle or scooter riding and new for old replacement of luggage.

The downside of RACV's cover is its lack of optional add-ons and long list of exclusions. Where some of the best travel insurance policies shine is the ability to tailor your insurance to make sure you're fully covered for every scenario. With RACV, if you're planning any high-risk activities or need to insure any of your belongings above the benefit limits , you're out of luck.

RACV not quite hitting the mark? You can compare it to other travel insurance companies here to find a better fit.

What company is the underwriter for RACV insurance?

RACV insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548.

Is RACV Australia owned?

Yes, RACV is a locally-owned, unlisted public company that has been operating since 1903.

Can I make changes to my policies?

Yes. You can extend your cover at no extra charge if your delay is due to a reason covered under your policy. You can apply to extend any single trip policy for any other reason by contacting RACV directly at least 5 days before your policy's expiration date.

Does RACV travel insurance cover adventure activities?

Yes, some adventure activities are covered as standard and others are covered under certain conditions. For example, bungee jumping , jet boating and quad biking are covered provided you use a commercial operator and you don't need any special skills or a high level of fitness to participate.

RACV also has a list of high-risk activities that are excluded from cover altogether. These include motocross, canoeing grade 5 rapids and above and any kind of professional sport.

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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full profile

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16 Responses

Going on a cruise and plan to have a few drinks, not excessive though, wondering if we are covered if we have had a drink and anything happens.

Thank you for getting in touch with Finder.

Normally insurers will have a general exclusion that prohibits claims where alcohol was the root cause. You can learn more about how travel insurers treat alcohol and drug use. To know the level of your travel insurance cover, please contact your provider directly.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

does RACV travel insurance cover being picked up from a cruise ship at sea

Thank you for leaving a question.

Upon verifying in the terms and conditions for RACV. If you take out any of the international travel insurance policies, you’re covered with cruise travel insurance which covers the following:

Overseas medical expenses and medical evacuation Cancellations Luggage and personal items 24-hour emergency assistance Emergency expenses overseas Pre-existing medical conditions and pregnancy

Hope this helps! Reggie

Does RACV Travel Insurance cover cost of repatriation to home should I have a serious accident or contract a serious disease or medical condition where I am required to return home on a special stretcher etc. and/or require in flight and travel assistance and/or medical assistance?

Thanks for getting in touch.

Basically, RACV Travel insurance includes “Amendment or Cancellation Costs”. They will cover your trip amendments or cancellation due to circumstances outside your control and unforeseen at the relevant time. So in the event that you are sent home due to a serious accident or you got a serious disease or medical condition while overseas, you may have to contact RACV to confirm if you can get a claim for your trip cancellation costs.

Although they have Resumption of Journey, they will only cover you for this if your repatriation is due to the sudden serious injury, sickness, disease or death *of a relative or business partner in Australia*. RACV can cover you for economy class transport costs.

Cheers, Joshua

I would like to know if RACV travel insurance covers you for a break up of relationship therefore not wanting to travel anymore?

Thanks for your comment.

The Comprehensive RACV travel insurance policy covers amendment or cancellation costs due to circumstances outside your control and unforeseen at the relevant time. Therefore, RACV (or any other travel insurance provider) will not provide any cover for cancellation due to breakup of relationship.

You may try to contact RACV about this as cover varies from policy to policy.

Regards, Jhezelyn

does t/ insurance cover property rental if owners cancel my booking

Thanks for getting in touch. You will need to contact RACV about this as cover varies from provider to provider and policy to policy but generally policies won’t for scheduling and cancellations of that nature.

Cheers, Richard

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RACQ Travel Insurance

Members save 15% on travel insurance

Get your quote

Enjoy happy holidays with RACQ Travel Insurance

Enjoy the freedom of trekking around New Zealand, witness the beauty of Japan's cherry blossoms or cruise the South Pacific. Finally go on that epic outback adventure or visit family or friends overseas. RACQ Travel Insurance can help protect from the unexpected when you’re away from home. See more of the world knowing that you’re covered with RACQ.

• Our members can enjoy 15% discount on policies
• We’re chosen by over 70,000 travellers each year*
• We’re available to help 24/7, wherever you are in the world
• We offer a choice of excess from $0 to $1,000 depending on your plan type
• We provide coverage for the important things like lost, stolen, or damaged luggage, smartphone, tablets, and computers^^

Be prepared for the unexpected with RACQ Travel Insurance.

International travel insurance

• Feel prepared when you adventure overseas

Unlimited** overseas medical and hospital cover Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

Domestic travel insurance

• Experience uninterrupted enjoyment Australia-wide

Lodge your claim or request the answers you need online.

Choose from a range of excess options and add optional extras to your travel insurance.

RACQ Travel Insurance won the 2023 and 2024 Mozo Experts Choice Award for Exceptional Quality.

Manage your insurance

Get more out of your next trip with racq member perks ~ ~, explore more with racq.

Travel insurance FAQs

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

*Figure based on 70,435 passengers on new policies issued in FY23.

^^Limits (including sub-limits), conditions and exclusions apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Please read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a decision about this product and read the Target Market Determinations (TMDs)  before determining whether this product is suitable for your circumstances. 

** ‘$Unlimited’ means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.

Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the ' RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement ' for full details. 

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS)  and the Target Market Determinations (TMDs)  that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found  here .

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents  for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

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Trucks and heavy vehicles

Find out what restrictions apply to heavy vehicles in Victoria

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Rules for using trucks and heavy vehicles

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Trucks and heavy vehicles in Victoria

No truck signs.

On some roads and freeways in Victoria, trucks over 4.5 tonnes gross vehicle mass (GVM) are restricted from the right lane. 'No Truck' signs on the freeway and at entry points indicate where this restriction is in place. The sign may apply 24 hours a day or may be time-based.

There are several exceptions where trucks can pass the sign including:

• if they are loading or unloading goods to a location that can only be reached by passing the sign
• emergency vehicles
• garbage vehicles
• cars towing a caravan
• trucks with a VicRoads permit,
• vehicles under VicRoads or police escort.

Restricting trucks from the right lane on multi-lane freeways is aimed at improving safety and encouraging better road sharing, while also creating a more efficient driving environment.

Other drivers are also reminded to keep left unless overtaking to improve traffic flow on our roads and reduce driver frustration.

For more information see the Victorian Road Safety Road Rules 2017 rule 104.

Load limit signs and truck bans

Load limit signs are used to prevent damage to a road or structure, for example a bridge. A load limit bans any vehicle above the weight limit shown on the sign from passing the sign. There are no exceptions to this rule.

For more information see the Road Safety (Vehicles) Regulations, regulation 252.

Parking rules for trucks

The driver of a heavy or long vehicle (7.5 metres long or longer), but not a bus, can stop on a road in a built-up area for longer than one hour provided the driver is dropping off or picking up goods. Otherwise the driver is only permitted to stop for up to one hour, unless parking signs indicate otherwise.

For more information see the Victorian Road Safety Road Rules 2017 rule 200.

Speed limits for trucks

In Victoria, heavy vehicles are restricted to 100km/h, even if this is less than the posted speed limit.

For more information see rule 21 of the Victorian Road Safety Road Rules 2017.

Related reading

• Sharing the road with trucks and other vehicles
• Truck lane restrictions

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Can You Buy Travel Insurance for Road Trips?

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Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance. 

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry. 

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage . 

Pre-existing conditions covered. 

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum. 

AD&D doesn’t cover strokes or any cardiac events.

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed. 

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

» Learn more: Is Cancel For Any Reason travel insurance worth it?

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation. 

$50,000 limit for 24-hour AD&D. 

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance. 

Maximum trip length of 30 days. 

AXA Assistance USA

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation. 

$35,000 in rental car coverage. 

Includes coverage for sporting equipment. 

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage. 

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans. 

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

on Chase's website

on American Express' website

• Primary rental car coverage: Up to the cash value of most rental vehicles.

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

• 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.

• Primary rental car coverage: Up to $75,000.

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

• Secondary rental car coverage: Up to $75,000.

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

• 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.

Terms apply.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

Insurance Benefit: Car Rental Loss & Damage Insurance

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.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

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

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

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.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.