{"id":39329,"date":"2019-09-19T15:47:58","date_gmt":"2019-09-19T19:47:58","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=39329"},"modified":"2026-04-08T13:21:22","modified_gmt":"2026-04-08T13:21:22","slug":"citi-benefits-changes-2019","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/news\/credit-cards\/citi-benefits-changes-2019\/","title":{"rendered":"Citi Cutting Key Benefits on September 22, 2019"},"content":{"rendered":"<p class=\"custom-blue\"><em>The changes below have taken effect, and this post is no longer being updated. Here is our <a href=\"https:\/\/awardwallet.com\/blog\/tag\/major-updates\/\" target=\"new\">archive of major updates<\/a> from card issuers and loyalty programs.<\/em><\/p>\n<p>Citi is cutting key travel and purchase protection benefits across its entire range of rewards cards. In June 2019, Citi emailed cardholders to disclose the benefits which are being cut from each card. The changes are broad and affect many popular Citi rewards cards like the:<\/p>\n<ul>\n<li><a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" =_blank>Citi Prestige<sup>\u00ae<\/sup> Card<\/a><\/li>\n<li><strong>Citi Premier\u2120 Card<\/strong><\/li>\n<li><a data-ccid=\"3004018\" href=\"https:\/\/awardwallet.com\/credit-cards\/american-aadvantage\/citi-aadvantage-platinum-select\/\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Platinum Select<sup>\u00ae<\/sup> World Elite Mastercard<sup>\u00ae<\/sup><\/a><\/li>\n<li><a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a><\/li>\n<\/ul>\n<p>Citi has long been the go-to card issuer for select travel and retail purchases thanks to its stellar trip delay policy, trip cancelation & interruption coverage, and post-purchase retail benefits like Citi Price Rewind. With Citi making such sweeping changes to travel and purchase protections, we want to revisit some of Citi\u2019s more popular benefits and recommend the best alternative cards so you're covered after the changes go into effect on September 22, 2019.<\/p>\n<p><img data-aspectratio=\"1024\/468\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"aligncenter wp-image-8941 size-large lazyload\" title=\"Best card for travel insurance\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/11\/Travel-Insurance-Featured-e1568732364209-1024x468.jpg\" alt=\"Best card for travel insurance\" width=\"1024\" height=\"468\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/11\/Travel-Insurance-Featured-e1568732364209-1024x468.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/11\/Travel-Insurance-Featured-e1568732364209-300x137.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2016\/11\/Travel-Insurance-Featured-e1568732364209-768x351.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span id=\"Citi_Benefits_No_Longer_Available_from_September_22_2019\">Citi Benefits No Longer Available from September 22, 2019<\/span><\/h2>\n<p>From 09\/22\/2019, the following benefits will disappear from Citi cards across the board:<\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<ul>\n<li>Worldwide Car Rental Insurance<\/li>\n<li>Trip Cancellation & Interruption Protection<\/li>\n<li>Worldwide Travel Accident Insurance<\/li>\n<li>Trip Delay Protection<\/li>\n<li>Baggage Delay Protection<\/li>\n<li>Lost Baggage Protection<\/li>\n<li>Medical Evacuation<\/li>\n<li>Citi<sup>\u00ae<\/sup> Price Rewind<\/li>\n<li>90 Day Return Protection<\/li>\n<li>Missed Event Ticket Protection<\/li>\n<li>Roadside Assistance Dispatch Service<\/li>\n<li>Travel & Emergency Assistance<\/li>\n<\/ul>\n<p>In addition to the above benefits, the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<\/a> and Citi<sup>\u00ae<\/sup> Dividend Card lose:<\/p>\n<ul>\n<li>Extended Warranty<\/li>\n<li>Purchase Protection<\/li>\n<\/ul>\n<p>However, on November 17, 2024, <a target=\"_blank\" href=\"\/news\/credit-cards\/citi-extended-warranty\/\" rel=\"noopener\">Citi reintroduced the extended warranty benefit<\/a> for Citi Double Cash<\/p>\n<p>While no card escapes the cuts completely, the Costco Anywhere Visa<sup>\u00ae<\/sup> Card by Citi is the card least affected. Losing only the headline Citi Price Rewind and Trip Interruption & Cancelation coverage. But, retaining many of the benefits lost by other cards.<\/p>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/costco-credit-card\/\" rel=\"noopener\">Costco Citi card<\/a> will still offer the following benefits:<\/p>\n<ul>\n<li>Worldwide Car Rental Insurance<\/li>\n<li>Worldwide Travel Accident Insurance<\/li>\n<li>Roadside Dispatch Service<\/li>\n<li>Damage & Theft Purchase protection<\/li>\n<\/ul>\n<p>On July 23, 2023, the <a data-ccid=\"3004054\" href=\"https:\/\/awardwallet.com\/credit-cards\/american-aadvantage\/citi-aadvantage-executive\/\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Executive World Elite Mastercard<sup>\u00ae<\/sup><\/a> re-added these perks:<\/p>\n<ul>\n<li>Worldwide Car Rental Insurance<\/li>\n<li>Trip Cancellation & Interruption Protection<\/li>\n<li>Trip Delay Protection<\/li>\n<li>Lost baggage Protection<\/li>\n<\/ul>\n<h2><span id=\"How_to_Retain_Travel_and_Purchase_Protections\">How to Retain Travel and Purchase Protections<\/span><\/h2>\n<p>We\u2019ve put together a dedicated post for each of the card benefits listed below, so be sure to check out the complete guides for more details on the policies for each bank. In today\u2019s post, we\u2019re highlighting one of the top cards for each category, but there are often several options with comparable coverage.<\/p>\n<p>If you're looking for a single card to maximize coverage, Chase has emerged as the new industry leader for travel and purchase benefits.<\/p>\n<p>Here's a quick list of our complete guides:<\/p>\n<ul>\n<li><a href=\"\/credit-cards\/rental-car-insurance\/\">Primary car rental insurance<\/a><\/li>\n<li><a href=\"\/credit-cards\/trip-cancellation-insurance\/\">Trip cancellation and interruption<\/a><\/li>\n<li><a href=\"\/credit-cards\/trip-delay-insurance\/\">Trip delay protection<\/a><\/li>\n<li><a href=\"\/credit-cards\/baggage-delay-insurance\/\">Baggage delay<\/a><\/li>\n<li><a href=\"\/credit-cards\/baggage-loss-insurance\/\">Lost or damaged baggage<\/a><\/li>\n<li><a href=\"\/credit-cards\/price-protection\/\">Price protection<\/a><\/li>\n<li><a href=\"\/credit-cards\/return-protection\/\">Return protection<\/a><\/li>\n<li><a href=\"\/credit-cards\/roadside-assistance\/\">Roadside assistance<\/a><\/li>\n<li><a href=\"\/credit-cards\/extended-warranty\/\">Extended warranty<\/a><\/li>\n<li><a href=\"\/credit-cards\/purchase-protection\/\">Purchase protection<\/a><\/li>\n<\/ul>\n<h3><span id=\"Primary_Rental_Car_Insurance\">Primary Rental Car Insurance<\/span><\/h3>\n<p>With Citi\u2019s exit, the list of cards offering primary rental car coverage is now dominated by Chase cards. The <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> tops our list of the best cards for primary rental insurance. If you\u2019re renting for business purposes, the <a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> is a great alternative.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006145\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=f7aba956108995596b72fca70de0aae1&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li><li>Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases<\/li><li>Earn 5x total points on Lyft rides through 9\/30\/27.<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open<\/li><li>Go further when you book with Chase Travel&#x2120;. Enjoy competitive rates, seamless booking and premium benefits.<\/li><li>Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.<\/li><li>Receive complimentary access to DashPass by DoorDash.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>See our complete guide for a full list of cards offering <a href=\"\/credit-cards\/rental-car-insurance\/\">primary rental car insurance<\/a>.<\/li>\n<\/ul>\n<h3><span id=\"Trip_Cancellation_Interruption_Protection\">Trip Cancellation & Interruption Protection<\/span><\/h3>\n<p>The <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> and <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Sapphire Preferred<\/a> offer the best trip interruption & cancelation policies, providing up to $10,000 per person for each covered trip (maximum $20,000 per trip and $40,000 per year). If you're looking to minimize your costs, the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Sapphire Preferred<\/a> provides the same coverage at less than a quarter of the annual fee.<\/p>\n<p><div class=\"qs-card\" data-id=\"2061159\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0584078201384cd513a3536993ce0ed8b&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Our <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-beginners-rewards-card\/\">#1 recommended beginners rewards card<\/a> featuring a 75,000-point signup bonus after you spend $5,000 on purchases in the first 3 months from account opening. This card comes with great benefits and earns valuable Ultimate Rewards points.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/li><li>Enjoy benefits such as 5x on travel purchased through Chase Travel&#x2120;, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases<\/li><li>Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel&#x2120;<\/li><li>10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.<\/li><li>Count on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.<\/li><li>Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12\/31\/27. Plus, a $10 promo each month on non-restaurant orders.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SapphirePreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>Check out our revised list of the <a href=\"\/credit-cards\/trip-cancellation-insurance\/\">best cards for trip interruption & cancelation insurance<\/a> for more details.<\/li>\n<\/ul>\n<h3><span id=\"Trip_Delay_Protection\">Trip Delay Protection<\/span><\/h3>\n<p>For years, the <a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" =_blank>Citi Prestige<sup>\u00ae<\/sup> Card<\/a> provided the best trip delay reimbursement policy, covering delays as short as 3+ hours. However, Citi now joins Amex on the sidelines, and the best trip delay policy is essentially a one-horse-race. The <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> now provides the top trip delay policy, with coverage kicking in after delays of 6+ hours, capped at $500 in expenses.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048084\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" alt=\"Chase Sapphire Reserve\u00ae\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/565192b2-c5cc-4edc-89ae-b8bba7a63750.png\" width=\"150\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=06b39c0729d5a71cddd61064073c7773a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$795<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Chase's flagship Ultimate Rewards card. You get a $300 travel credit, airport lounge access courtesy of a Priority Pass membership and industry-leading travel insurance benefits. New cardholders earn 125,000 bonus points bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/li><li>Get more than $2,700 in annual value with Sapphire Reserve.<\/li><li>Earn 8x points on all purchases through Chase Travel&#x2120;, including The Edit&#x2120; and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases<\/li><li>$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.<\/li><li>Access over 1,300 airport lounges worldwide with a complimentary Priority Pass&#x2122; Select membership, plus every Chase Sapphire Lounge&#xAE; by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck&#xAE; every 4 years<\/li><li>Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.<\/li><li>Count on Trip Cancellation\/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.<\/li><li>Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6\/22\/27 - a value of $250 annually<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on dining worldwide<\/li>\r\n<li>1x points on all other purchases<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SapphireReserve\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>With the exception of a few cards from U.S. Bank and Barclays, Chase is leaps and bounds ahead of other card issuers when it comes to the <a href=\"\/credit-cards\/trip-delay-insurance\/\">best cards for trip delay reimbursement<\/a>.<\/li>\n<\/ul>\n<h3><span id=\"Baggage_Delay_Protection\">Baggage Delay Protection<\/span><\/h3>\n<p>Again, the Chase Trio of the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Sapphire Preferred<\/a>, <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Sapphire Reserve<\/a>, and <a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Preferred<\/a> provide the top policies for baggage delay protection. Plus, you'll also find this valuable coverage on co-brand Chase cards like <a data-ccid=\"4048116\" href=\"https:\/\/awardwallet.com\/credit-cards\/world-of-hyatt\/chase-hyatt-card\/\">The World of Hyatt Credit Card<\/a>. Coverage kicks in after delays of 6+ hours and provides up to $100 per day for a maximum of 5 days (max $500).<\/p>\n<p><div class=\"qs-card\" data-id=\"4048116\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The World of Hyatt Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/4ba7741f-2b68-45ce-9bc4-e65b9f6c260f.png\" width=\"150\" alt=\"The World of Hyatt Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048116\" href=\"https:\/\/awardwallet.com\/credit-cards\/world-of-hyatt\/chase-hyatt-card\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048116\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005136&type=3&u1=0194496eba795096eb0d094c8c72643a&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The World of Hyatt Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Cardholders receive one free night at any Category 1-4 Hyatt hotel or resort every year on account renewal, with an additional free night after $15,000 in annual spending\u200b\u200b. The card includes World of Hyatt Discoverist status, providing 5 qualifying night credits towards the next tier status each year, plus 2 additional credits for every $5,000 spent\u200b\u200b. There are no foreign transaction fees\u200b\u200b, and the card also offers comprehensive travel and purchase protections, including baggage delay insurance, lost luggage reimbursement, trip cancellation\/interruption insurance, purchase protection, and an auto rental collision damage waiver\u200b\u200b.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.<\/li><li>Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.<\/li><li>Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort<\/li><li>Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open<\/li><li>Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year<\/li><li>Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card<\/li><li>Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member<\/li><li>Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Up to 9X points total per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member<\/li>\r\n<li>2X points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships<\/li>\r\n<li>1X point per $1 everywhere else<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/WOHCard\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>See our comprehensive guide to <a href=\"\/credit-cards\/baggage-delay-insurance\/\">the best cards for baggage delay protection<\/a> for more details.<\/li>\n<\/ul>\n<h3><span id=\"Lost_Baggage_Protection\">Lost Baggage Protection<\/span><\/h3>\n<p>One of the few travel protection policies where American Express leads the pack, Amex includes lost and damaged luggage insurance across 40+ cards, although coverage differs from card to card. For example, the <a data-ccid=\"4028089\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-platinum\/\">American Express Platinum Card<sup>\u00ae<\/sup><\/a> provides up to $3,000 per person for carry-on baggage, up to $2,000 per person for checked baggage, a maximum benefit of $1,000 on high-risk items such as jewelry, sporting equipment, and electronics; claims cannot exceed $3,000 per person total per covered trip.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028089\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">American Express Platinum Card<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e6901d88-1a35-4373-b3e1-9a2a445490a0.png\" width=\"150\" alt=\"American Express Platinum Card\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4028089\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-platinum\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">American Express Platinum Card<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$895<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Cardholders can access more than 1,550 airport lounges worldwide, take advantage of up to $200 in annual airline fee credits, up to $209 in CLEAR+ credits, and TSA PreCheck<sup>\u00ae<\/sup> or Global Entry fee credits. The card also includes an annual hotel credit worth up to $600 on prepaid Fine Hotels + Resorts<sup>\u00ae<\/sup> or The Hotel Collection bookings (The Hotel Collection requires a minimum two-night stay), Hilton Honors\u2122 and Marriott Bonvoy<sup>\u00ae<\/sup> Gold Elite status, and a suite of benefits with Fine Hotels + Resorts<sup>\u00ae<\/sup>. Additional perks include $12.95 monthly Walmart+ membership credit (with applicable sales taxes and Plus Ups not include), up to $300 in annual digital entertainment credits, up to $300 Equinox credits, and up to $200 annual Uber Cash and $120 Uber One Credit. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>You may be eligible for as high as 175,000 Membership Rewards&#xAE; points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.<\/li><li>Get more for your travels with 5X Membership Rewards&#xAE; points on all flights and prepaid hotel bookings through American Express Travel&#xAE;, including Fine Hotels + Resorts&#xAE; and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel&#xAE; on up to $500,000 on these purchases per calendar year.<\/li><li>With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection&#xAE;, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club&#xAE; visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07\/2025.<\/li><li>$200 Uber Cash + $120 Uber One Credit: With the Platinum Card&#xAE; you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card&#xAE; to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card&#xAE; to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.<\/li><li>$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card&#xAE; for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.<\/li><li>$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts&#xAE; or The Hotel Collection* bookings through American Express Travel&#xAE; using the Platinum Card&#xAE;. *The Hotel Collection requires a minimum two-night stay.<\/li><li>$400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card&#xAE; to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card&#xAE;. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.<\/li><li>$209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card&#xAE;. *Excluding any applicable taxes and fees. Subject to auto-renewal.<\/li><li>$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card&#xAE; Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.<\/li><li>Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts&#xAE; through American Express Travel&#xAE;, enjoy noon check-in, when available, and guaranteed 4PM check-out.<\/li><li>$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card&#xAE; for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.<\/li><li>$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card&#xAE;. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.<\/li><li>Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24\/7.<\/li><li>$895 annual fee.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5X points for flights booked directly with airlines or with American Express Travel<sup>\u00ae<\/sup> (up to $500,000 in purchases per calendar year).<\/li>\r\n<li>Earn 5X points on prepaid hotels booked with American Express Travel<sup>\u00ae<\/sup>.<\/li>\r\n<li>Earn  5X points on Fine Hotels + Resorts<sup>\u00ae<\/sup> and The Hotel Collection bookings.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/PlatinumCard\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>You'll also find top-tier coverage with Chase cards. Here is our complete guide to <a href=\"\/credit-cards\/baggage-loss-insurance\/\">lost-baggage protection<\/a>.<\/li>\n<\/ul>\n<h3><span id=\"Price_Protection\">Price Protection<\/span><\/h3>\n<p>This benefit has taken a hammering in recent years. Late in 2018, Chase removed price protection from all Visa cards. And, with Citi pulling the pin on Price Rewind, there are now just a handful of cards that offer price protection benefits. Our \u2018best-of-the-rest\u2019 pick for price protection is the <a data-ccid=\"4048129\" href=\"\/blog\/link\/CR-CapitalOneSavorCard\" rel=\"noopener nofollow sponsored\">Capital One Savor Cash Rewards Credit Card<\/a>, which provides up to $250 per item and a maximum four claims in 12 months per account, with a claim window of 120 days from purchase.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048129\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Savor Cash Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/36ead21c-2de1-43f4-985e-3478cbb4184b.png\" width='150' alt=\"Capital One Savor Cash Rewards Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"4048129\" class=\"btn-use qs-how-apply\" title='Capital One Savor Cash Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneSavorCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\n$200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Savor Cash Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\n$200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Tailored for cardmembers who enjoy dining and entertainment, the Capital One Savor Cash Rewards Credit Card offers unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, and 1% cash back on all other purchases. The card charges no foreign transaction fees, and rewards don't expire for the life of the account.<\/div><div class=\"qs-tab-hl\"><ul><li>$200 Cash Back after you spend $500 on purchases within 3 months from account opening<\/li>\r\n \t<li>3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>)<\/li>\r\n        <li>1% on all other purchases<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>8% cash back on purchases made via the Capital One Entertainment ticketing platform<\/li>\r\n<li>5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>3% cash back on dining and entertainment<\/li>\r\n<li>3% at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>)<\/li>\r\n<li>3% on popular streaming services<\/li>\r\n<li>1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/Savor\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>The list of cards providing price protection grows smaller every year. Check out <a href=\"\/credit-cards\/price-protection\/\">all the cards that offer price protection here<\/a>.<\/li>\n<\/ul>\n<h3><span id=\"Return_Protection\">Return Protection<\/span><\/h3>\n<p>Although Chase removed this benefit from the majority of rewards cards in 2018, return protection is still available on the <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Sapphire Reserve<\/a>, which provides up to $500 coverage per item, up to $1,000 per year. Amex offers this protection across a broader range of card products, with almost every Amex card listing return protection of up to $300 per item, up to $1,000 per year.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028085\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Gold Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/104\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/CardArt-AmexGoldCard.png\" width=\"150\" alt=\"American Express\u00ae Gold Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4028085\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-gold-card\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Gold Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$325<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The American Express<sup>\u00ae<\/sup> Gold Card stands out for its robust rewards, especially for food enthusiasts. It offers 4X points on dining worldwide (up to $50,000 per year, then 1X) and U.S. supermarkets (up to $25,000 per year, then 1X), and 3X points on flights booked directly with airlines or through American Express Travel<sup>\u00ae<\/sup>. Cardholders can take advantage of multiple annual dining credits at select locations and up to $120 in Uber Cash credits for U.S. rides and Uber Eats (received as $10 monthly credits), just add your American Express<sup>\u00ae<\/sup> Gold Card to your account in the Uber app and select it as the payment method. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>You may be eligible for as high as 100,000 Membership Rewards&#xAE; Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.  Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.<\/li><li>Earn 4X Membership Rewards&#xAE; points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.<\/li><li>Earn 4X Membership Rewards&#xAE; points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.<\/li><li>Earn 3X Membership Rewards&#xAE; points per dollar spent on flights booked directly with airlines or on AmexTravel.com.<\/li><li>Earn 2X Membership Rewards&#xAE; points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.<\/li><li>Earn 1X Membership Rewards&#xAE; point per dollar spent on all other eligible purchases.<\/li><li>$120 Uber Cash on Gold:  Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards&#xAE; points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.<\/li><li>$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express&#xAE; Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.<\/li><li>$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express&#xAE; Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.<\/li><li>$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express&#xAE; Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.<\/li><li>Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.<\/li><li>No Foreign Transaction Fees.<\/li><li>Annual Fee is $325.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>4X Membership Rewards<sup>\u00ae<\/sup> Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)<\/li>\r\n \t<li>4X Membership Rewards<sup>\u00ae<\/sup> points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)<\/li>\r\n        <li>3X Membership Rewards<sup>\u00ae<\/sup> points on flights booked directly with airlines or on amextravel.com<\/li>\r\n        <li>2X Membership Rewards<sup>\u00ae<\/sup> points on prepaid hotels and other eligible travel booked on amextravel.com<\/li>\r\n        <li>1X on other eligible purchases<\/li>\r\n        <\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/GoldAmex\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>See our list of the <a href=\"\/credit-cards\/return-protection\/\">best cards for return protection<\/a> and the policies for each provider for more details.<\/li>\n<\/ul>\n<h3><span id=\"Roadside_Assistance\">Roadside Assistance<\/span><\/h3>\n<p>Chase and Amex both provide extensive policies for roadside assistance, but the United cards from Chase top the list due to their comparatively low annual fees. While Amex restricts this perk to high annual fee cards, the two Explorer cards provide complimentary coverage with affordable annual fees.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048117\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">United\u2120 Explorer Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/ff6d0beb-04a7-4cc5-9bf4-50bc3f5e5883.png\" alt=\"United\u2120 Explorer Card\" width=\"150\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048117\" href=\"https:\/\/awardwallet.com\/credit-cards\/united-mileageplus\/united-explorer-card\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048117\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005119&type=3&u1=33323d622b9c33117d4ddae3b65d2218&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Limited Time Offer<\/strong> Earn up to 80,000 bonus miles after qualifying activities<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">United\u2120 Explorer Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Limited Time Offer<\/strong> Earn up to 80,000 bonus miles after qualifying activities<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 intro annual fee for the first year, then $150<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The United\u2120 Explorer Card is Chase's mid-tier United card, providing an excellent mix of functional benefits and value. Notable perks include a credit of up to $120 every four years for Global Entry, TSA PreCheck<sup>\u00ae<\/sup>, or NEXUS fees\u200b\u200b, priority boarding\u200b\u200b, and a free first checked bag for the cardmember and a traveling companion on the same reservation, offering up to $160 in savings\u200b\u200b. Additionally, cardholders receive 25% back on inflight purchases of food, beverages, and Wi-Fi on United-operated flights\u200b\u200b, and two one-time United Club\u2120 passes annually\u200b\u200b.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn up to 80,000 bonus miles<\/li><li>$0 introductory annual fee for the first year, then $150<\/li><li>NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United&#xAE; purchases.<\/li><li>2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.<\/li><li>Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply. Plus, priority boarding on United&#xAE; flights.<\/li><li>2 United Club one-time passes per year - over a $100 value<\/li><li>Over $500 in partner credits each year<\/li><li>NEW! Save at least 10% when booking flights with miles. Premier members earn even more.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X miles per $1 spent on purchases from United<sup>\u00ae<\/sup>*<\/li>\r\n<li>2X miles per $1 spent on dining and hotel stays when booked with the hotel<\/li>\r\n<li>1X mile per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n*9X total miles per $1 spent on eligible United<sup>\u00ae<\/sup> flights<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/UnitedExplorer\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>Learn why we rate the <a data-ccid=\"4048117\" href=\"https:\/\/awardwallet.com\/credit-cards\/united-mileageplus\/united-explorer-card\/\" =_blank>United Explorer Card<\/a> the <a href=\"\/credit-cards\/roadside-assistance\/\">best rewards card for roadside assistance<\/a>.<\/li>\n<\/ul>\n<h3><span id=\"Extended_Warranty\">Extended Warranty<\/span><\/h3>\n<p>Citi may be pulling extended warranty coverage from the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<\/a> and Citi<sup>\u00ae<\/sup> Dividend Card, but it still maintains one of the best extended warranty policies across the rest of the Citi rewards card portfolio. Both Amex and Citi will now extend warranties on new purchases up to a total of seven years.<\/p>\n<p><div class=\"qs-card\" data-id=\"3004054\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Executive World Elite Mastercard<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/2628f593-03e8-4f83-af89-1f091a9fc10a.png\" width=\"150\" alt=\"Citi\u00ae \/ AAdvantage\u00ae Executive World Elite Mastercard\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"3004054\" href=\"https:\/\/awardwallet.com\/credit-cards\/american-aadvantage\/citi-aadvantage-executive\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 70,000 American Airlines AAdvantage<sup>\u00ae<\/sup> bonus miles after $7,000 in purchases in the first 3 months of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Executive World Elite Mastercard<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 70,000 American Airlines AAdvantage<sup>\u00ae<\/sup> bonus miles after $7,000 in purchases in the first 3 months of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$595<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The AA Executive Card is by far the most cost effective way to gain access to American Airlines Admirals Club<sup>\u00ae<\/sup> lounges. Even better, you can extend the benefit to authorized users (for a fee), and this card offers a free checked bag, on domestic AA flights, priority checkin and boarding, and a credit for Global Entry or TSA PreCheck.<\/div><div class=\"qs-tab-hl\"><ul>\r\n \t<li>Complimentary Admirals Club<sup>\u00ae<\/sup> membership for the primary cardholder<\/li>\r\n \t<li>Admirals Club<sup>\u00ae<\/sup> membership for authorized user accounts<\/li>\r\n \t<li>First checked bag free on domestic AA flights for you and up to 8 companions<\/li>\r\n \t<li>Priority check-in, TSA screening lines, and boarding<\/li>\r\n \t<li>10,000 bonus Loyalty Points after you spend $40,000 in purchases within the year<\/li>\r\n \t<li>Global Entry or TSA PreCheck credit<\/li>\r\n \t<li>No Foreign Transaction Fees<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul><li>Earn 10X miles for every $1 spent on eligible hotels booked at aa.com\/hotels and eligible rental cars booked through aa.com\/cars<\/li>\r\n<li>Earn 4X miles for every $1 spent on eligible American Airlines purchases (increased to 5X miles through the end of the calendar year after you pass $150,000 in purchases annually)<\/li>\r\n<li>Earn 1X mile for every $1 spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiAAExec\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>Find all the details in our <a href=\"\/credit-cards\/extended-warranty\/\">guide to credit card extended warranty benefits<\/a>.<\/li>\n<\/ul>\n<h3><span id=\"Purchase_Protection\">Purchase Protection<\/span><\/h3>\n<p>American Express provides the most comprehensive purchase protection, with policies applying across more than 50 Amex cards in one form or another. Purchase protection allows you to seek reimbursement for a recent purchase if the item is stolen or damaged; a typical policy will cover you for 90 to 120 days after your purchase.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028096\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/19ca7b53-f41c-4639-ba3b-c44c7c44ba6f.png\"  width=\"150\" alt=\"The Business Platinum Card\u00ae from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4028096\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-platinum\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028096\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/business-platinum-charge-card\/42732-AJTnC-0?rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 300,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 300,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$895<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express is a powerhouse for business travelers, offering cardholders up to $1,150 in yearly Dell Technologies credits, up to $360 with Indeed, $250 for Adobe business plans, and $120 for U.S. wireless services. The card includes extensive lounge access, a $200 airline fee credit each year, up to $209 CLEAR+ credit, Marriott Bonvoy<sup>\u00ae<\/sup> and Hilton Honors\u2122 Gold Statuses, exclusive Fine Hotels + Resorts<sup>\u00ae<\/sup> benefits, and a TSA PreCheck<sup>\u00ae<\/sup> or Global Entry fee credit. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><ul><li>As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/li><li>The American Express Global Lounge Collection<sup>\u00ae<\/sup> can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07\/2025.<\/li><li>See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.<\/li><li>Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts<sup>\u00ae<\/sup> or The Hotel Collection bookings through American Express Travel using the Business Platinum Card<sup>\u00ae<\/sup>. The Hotel Collection requires a minimum two-night stay.<\/li><li>No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.<\/li><li>Make the Business Platinum Card<sup>\u00ae<\/sup> work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.<\/li><li>Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.<\/li><li>Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).<\/li><li>Maximize your time away with Fine Hotels + Resorts through Amex Travel\u2122.<\/li><li>Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.<\/li><li>Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.<\/li><li>Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.<\/li><li>Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.<\/li><li>2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.<\/li><li>5X points on flights and prepaid hotels on AmexTravel.com<\/li><li>1X points on other eligible purchases<\/li><li>Terms Apply.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul><li>Earn 5X points on flights and prepaid hotels on AmexTravel.com.<\/li>\r\n<li>Earn 2X points on each eligible purchase of $5,000 or more.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. shipping providers.<\/li>\r\n<li>2X earning rates are subject to a cap of $2 million in purchases per calendar year.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BizPlat\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-143a6d5a52#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<ul>\n<li>You can learn more about purchase protection (and the cards which offer it) in our <a href=\"\/credit-cards\/purchase-protection\/\">purchase protection guide<\/a>.<\/li>\n<\/ul>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Citi\u2019s benefit cuts are a huge devaluation for their portfolio of cards. We\u2019re especially surprised to see these changes affecting premium travel cards like the <a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" =_blank>Prestige Card<\/a> and Citi Premier, which cardholders have come to associate with specific benefits like trip delay and baggage delay. Since travel coverage requires you to use your card for (at least a portion of) the purchase, it becomes a lot harder to justify using the <a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" =_blank>Prestige Card<\/a> to earn 5X on airfare.<\/p>\n<p>Our recommendation? If you are unhappy with the changes, let your wallet do the talking and move your spending to other cards. Chase continues to offer top travel and purchase protection benefits across almost its entire range of rewards cards. And both Amex and Capital One help fill the gaps in Chase\u2019s coverage. If you have any questions about the upcoming changes to Citi cards, or which card is the best replacement for your Citi card that is losing its benefits, get in touch via the comments below.<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Citi_Benefits_No_Longer_Available_from_September_22_2019\">Citi Benefits No Longer Available from September 22, 2019<\/a><\/li><li><a href=\"#How_to_Retain_Travel_and_Purchase_Protections\">How to Retain Travel and Purchase Protections<\/a><ul><li><a href=\"#Primary_Rental_Car_Insurance\">Primary Rental Car Insurance<\/a><\/li><li><a href=\"#Trip_Cancellation_Interruption_Protection\">Trip Cancellation & Interruption Protection<\/a><\/li><li><a href=\"#Trip_Delay_Protection\">Trip Delay Protection<\/a><\/li><li><a href=\"#Baggage_Delay_Protection\">Baggage Delay Protection<\/a><\/li><li><a href=\"#Lost_Baggage_Protection\">Lost Baggage Protection<\/a><\/li><li><a href=\"#Price_Protection\">Price Protection<\/a><\/li><li><a href=\"#Return_Protection\">Return Protection<\/a><\/li><li><a href=\"#Roadside_Assistance\">Roadside Assistance<\/a><\/li><li><a href=\"#Extended_Warranty\">Extended Warranty<\/a><\/li><li><a href=\"#Purchase_Protection\">Purchase Protection<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>On September 22, 2019, Citi is cutting key travel and purchase protection benefits across its entire range of rewards cards. In this post, we revisit some of Citi\u2019s most popular card benefits, and detail the best alternative cards and card issuers for each one.<\/p>\n","protected":false},"author":4,"featured_media":39338,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12069],"tags":[12785,12036],"coauthors":[36390],"class_list":["post-39329","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-citibank","tag-major-updates"],"acf":[],"yoast_head":"<title>Citi Cutting Key Benefits on September 22, 2019 - AwardWallet Blog<\/title>\n<meta name=\"description\" content=\"Citi is cutting key travel and purchase protection benefits across all its rewards cards. 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