There are several premium travel credit cards available, like the Amex Platinum, Capital One Venture X and Chase Sapphire Reserve, along with the recently introduced Citi Strata Elite and Atmos Rewards Summit Visa card.
Premium Credit Card Benefits Comparison
| Benefit Category | Amex Platinum Card | Capital One Venture X | Chase Sapphire Reserve | Citi Strata Elite | Atmos Rewards Summit |
|---|---|---|---|---|---|
| Flights purchased directly with the airlines | 5 points per $1 | 2 points per $1 | 3 points per $1 | 1.5 points per $1 | 3 points per $1 for Alaska & Hawaiian airlines. 1 point per $1 for other airlines. |
| Flights purchased via portal | 5 points per $1 | 5x points per $1 | 5 points per $1 | 6x points per $1 | N/A |
| Hotels booked via portal | 5 points per $1. | 10 points per $1 | 10 points per $1 | 12 points per $1 | N/A |
| Flights via 3rd party providers | 1 point per $1 except Expedia (5 points per 1$) | 2 points per $1 | 3 points per $1 | 1.5 points per $1 | 1 points per $1 |
| Hotels via 3rd party providers | 1 point per $1 | 2 points per $1 | 3 points per $1 | 1.5 points per $1 | 1 points per $1 |
| Cruise & travel agency purchases | 1 point per $1 | 2 points per $1 | 1 points per $1 | 1.5 points per $1 | 1 point per $1 |
| Rental cars via portal | 1 point per $1 | 10 points per $1 | 10 points per $1 | 12 points per $1 | N/A |
| Rental cars non-portal | 1 point per $1 | 2 points per $1 | 3 points per $1 | 1.5 points per $1 | N/A |
| Rideshare, parking, railways, ferries, campgrounds and tolls | 1 point per $1 | 2 points per $1 | 3 points per $1. Lyft purchases earn 10 points per $1 (through March 2025). | 1.5 points per $1 | 1 point per $1 |
| Streaming (TV, movies, music) purchases | 1 point per $1 | 2 points per $1 | 3 points per $1 | 1.5 points per $1 | 1 point per $1 |
| All non-category purchases in the US | 1 point per $1 | 2 points per $1 | 1 point per $1 | 1.5 points per $1 | 1 point per $1 |
| All Foreign Transactions | 1 point per $1 | 2 points per $1 | 1 point per $1 | 1.5 points per $1 | 3 points per $1 |
| Worldwide Dining | 1 point per $1 | 2 points per $1 | 3 points per $1. Chase dining booked through the Chase travel portal earns 10 points per $1. | 3 points per $1; 6 points per $1 during "Citi Nights" | 3 points per $1 |
| Worldwide Groceries | 1 point per $1 | 2 points per $1 | 1 point per $1 | 1.5 points per $1 | 1 points per $1 |
| Worldwide Gasoline or EV charging | 1 point per $1 | 2 points per $1 | 1 point per $1 | 1.5 points per $1 | 1 points per $1 |
| Car Rental Coverage | Secondary; works as primary within US (if you don't own a car) & overseas when you have no other insurance | Primary in both the US and overseas. | Primary in both the US (except NY) and overseas. | Secondary within the US (unless you don't own a car) and primary overseas. | Primary in both the US and overseas. |
| Collision Damage Waiver (CDW) Limit | $75,000 | $75,000 | $75,000 | Up to actual cash value | $75,000 |
| Rental Car Coverage Duration | 31 days | 15 days within the US & 31 days overseas. | 30 days | 31 days | 15 days within the US & 31 days overseas. |
| Car Rental Coverage Country Exceptions | Australia, Italy, and New Zealand | Israel, Jamaica, the Republic of Ireland and Northern Ireland | None | None | Israel, Jamaica, the Republic of Ireland and Northern Ireland |
| Decline CDW at the Rental Company counter | Yes | Yes | Yes | Yes | Yes |
| Redeem Points for car rental and retain CDW coverage | Yes | Yes | Yes | Yes, but at least one (1) full day of rental must be billed to your card. | N/A |
| Tire/rim damage (flats or blowout) | Not covered unless part of an accident. | Not covered unless part of an accident. | Not covered unless part of an accident. | Not covered unless part of an accident. | Not covered unless part of an accident. |
| Windshield damage | Not covered unless part of an accident. | Not covered unless part of an accident. | Not covered unless part of an accident. | Coverage inclusions: Accidents, road debris and road hazards. | Not covered unless part of an accident. |
| Coverage for loss-of-use charges incurred by the rental car agency | Yes | Yes | Yes | Yes | Yes |
| Rental car accident related death or dismemberment. | $200,000 per card member & 20,000 per passenger; $300,000 maximum per incident | N/A | N/A | N/A | N/A |
| Rental Car Accident Injury Coverage | $5000 towards the cost of medical treatment | N/A | N/A | N/A | N/A |
| Rental Car Accident Personal Property Coverage | $1000 per claimant; $2000 maximum per incident | N/A | N/A | N/A | N/A |
| Car Rental Elite Status | Avis Preferred, Hertz President's Circle, National Car/Emerald Club Executive. | Hertz President's Circle | None | None | Avis Preferred Plus; Hertz Gold Plus Rewards; Emerald Club Executive membership. |
| Premium Roadside Assistance | None | None | 4 service calls per year, maximum benefit $50 for each call (extra amount will be charged to the card). | None | $69.95 Fixed Price Roadside Dispatch Service: Standard Towing – Up to 5 miles included |
| Emergency Medical and Dental | None | None | $2,500 emergency medical/dental coverage ($50 deductible per day), $75 per day for prescribed hotels needed due to covered loss for up to 5 days. | None | None |
| Trip Cancellation/ Interruption | Up to $10,000 per trip, and a maximum limit of $20,000 per card per 12-month period. | Up to $2,000 per person for non-refundable common carrier tickets purchased with your card. | Up to $10,000 per trip per person, $20,000 per incident. Maximum benefit amount per 12-month period of $40,000. | Up to $5,000 per trip, and a maximum limit of $10,000 per card per 12-month period. | Up to $2,500 per trip for non-refundable common carrier tickets purchased with your card. |
| Round-trip vs. one-way travel coverage | Round trip economy flights only. Two one-way bookings are covered as long as you return to the city of departure. | Both round trip and one-way travel are covered. | Both round trip and one-way travel are covered. | Only round trip travel covered. | Both round trip and one-way travel are covered. |
| Award flights with ONLY taxes charged to the credit card. | Covers trip delay & cancellation (NOT baggage delay) | Covers ONLY trip delay but NOT trip cancellation | Covers trip delay, cancellation and baggage delay. | N/A | N/A |
| Airline Miles Redeposit Fee Refunds | No | No | Redeposit fees imposed by a rewards program are eligible for refund. | No | No |
| Total Trip Length Restrictions | 365 days | 365 days | 60 days | 365 days | 365 days |
| Trip Delay (>6 hours) Reimbursement | $500 per trip (Maximum 2 claims in 12 months) | $500 for each purchased ticket | $500 for each purchased ticket | $500 for each purchased ticket | $500 for each purchased ticket |
| Trip Delay Coverage Eligibility | Equipment failure, inclement weather, hijacking and lost/stolen passports. | Equipment failure, inclement weather, strikes and hijacking. | Any delay due to a Covered Hazard which was made public or made known to you prior to your departure. | Equipment failure, inclement weather, strikes and hijacking. | Equipment failure, inclement weather, strikes and hijacking. |
| Prepaid Tours/Activities Coverage | None | None | Any pre–paid expenses related to your Covered Trip, such as tour or activity fees associated with your Covered Trip. | None | None |
| Baggage Delay (>6 hours) | None | None | Up to $100/day for up to 5 days | None | Up to $100/day for up to 5 days |
| Lost, Stolen, or Damaged Luggage | Up to $3,000 for carry-on, $2,000 for checked luggage. | $3000 ($2,000 for New York residents). | Up to $3,000 per person per trip | $3000 ($2,000 for New York residents). | $3000 ($2,000 for New York residents). |
| Coverage for delays due to lost or stolen passports or travel documents | Yes | No | No | No | No |
| Common Carrier accidental death and dismemberment reimbursement | None. Amex removed common carrier insurance in 2020 | Common carrier insurance: $1,000,000 per person | Common carrier insurance: Up to $1,000,000 per person. Use Chase card or Chase UR points to pay for the trip. | Common carrier insurance: $1,000,000 per person | Common carrier insurance: $1,000,000 per person |
| Emergency Transportation/ Evacuation | Included without a stated limit and ticket purchase with the card is NOT necessary. | None | $100,000 | None | $100,000 |
| Repatriation of Remains Insurance | Yes (without a stated limit) - A Premium Global Assist Hotline benefit. | None | $1,000 for a coffin and to return your body to your home country if you die on a vacation | None | $10,000 |
| Annual Fee | $695 | $395 | $795 | $595 | $395 |
| Authorized User fee | $175 for each user. No annual fee Gold cards can be added. | Free for four users. | $195 for each | $75 for each | Free |
| Statement Credits per year | $200 airline incidentals $200 prepaid luxury hotels $200 Uber $100 Saks ($50 x 2 every 6 months) $240 digital subscription $179 Clear program $155 Walmart+ membership | $300 Capital One portal travel credit | $300 for “any travel” related expenses | 1) $300 calendar year hotel benefit when booking via Citi Travel Portal (minimum of 2 nights). 2) $200 Annual Splurge Credit. 3) $200 Blacklane credit. | N/A |
| Anniversary Bonus Miles | N/A | 10,000 Capital One miles every year | N/A | 10% rewards bonus on all purchases if you also have an eligible BofA account. | |
| Cell phone protection | $800 per claim, up to 2 claims in a 12-month period. | $800 per claim, up to 2 claims in a 12-month period. | None | N/A | N/A |
| Extended warranty protection | One additional year | One additional year | One additional year | One additional year | One additional year for a maximum of 4 years |
| Purchase protection | $10,000 per claim, up to $50,000 per year | $500 per claim | $10,000 per claim (1st 120 days), up to $50,000 per year | $10,000 per claim (1st 90 days), 50K max per card holder | |
| Return Protection | $500/item | $300/item ($1000 annual maximum) | |||
| Personal Identity Theft | N/A | N/A | N/A | Up to $15,000.00 to restore your identity | |
| Global Entry for main card holder | Yes | Yes | Yes | Yes | Yes |
| Global entry for authorized card holders | Yes. The benefit is free with no annual fee Gold cards. | No | Yes | Yes | No |
| Annual Companion Award | N/A | N/A | N/A | N/A | Global 25K Companion Award |
| Priority Pass lounge access for authorized users | Included (2 additional guests) | N/A | Included (2 additional guests) | Included (2 additional guests) | N/A |
| Priority Pass non-lounge airport experiences (e.g., dining, spa) | None | None | None | N/A | N/A |
| Non-Priority Pass Lounge access | American Express Centurion, Delta Sky Clubs, Lufthansa, Virgin Atlantic, Plaza Premium, Airspace and Escape lounges. | Capital One & Plaza Premium lounges (2 guest limit) | Unlimited access to Chase lounges (Chase lounges are also accessible via Priority Pass once per calendar year). | Four American Airlines Admirals Club passes each year | 8 Alaska Lounge passes & 8 Wi-Fi passes each year (2 every quarter). |
| Hotel elite status | Gold status with Marriott Bonvoy and Hilton Honors. | None | None | None | None |
| Premium Hotel Booking Benefits | Amex Fine Hotels & Resorts | The Reserve by Citi Travel | Chase Hotels by The Edit ($500 annual credit) | ||
| Points Sharing With Other Members | None | Unlimited number of times to other Capital One Venture & Venture X card holders | None | None | With up to 10 additional Atmos Rewards accounts |
| Other Interesting Features | None | None | None | None | Partner Redemption Booking Fee Waiver: Pay rent through Bilt to earn 3 x points (incurs 3% fee). |