The best premium credit cards: A side-by-side comparison – The Points Guy

Car rental coverageYes (secondary; provides coverage up to $75,000 for theft of or damage to most rental vehicles).*§Yes (primary).Yes (primary).Yes (primary).Yes (primary).Yes (secondary; provides coverage up to $75,000 for theft of or damage to most rental vehicles).*§Yes (secondary; provides coverage up to $75,000 for theft of or damage to most rental vehicles).*§Yes (secondary; provides coverage up to $75,000 for theft of or damage to most rental vehicles).*§Yes (primary).Yes (primary abroad; secondary in the U.S.)Travel emergency assistanceYes (access to the  Premium Global Assist Hotline 24 hours a day/7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles from home). Emergency medical transportation assistance and related services may be provided at no cost, but third-party services may still have costs to you.).*#Yes (provides referrals only; you are responsible for all costs involved).Yes (provides referrals only; you are responsible for all costs involved).Yes (provides referrals only; you are responsible for all costs involved).Yes (provides referrals only; you are responsible for all costs involved).Yes (access to the  Premium Global Assist Hotline 24 hours a day/7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles from home). Emergency medical transportation assistance and related services may be provided at no cost, but third-party services may still have costs to you.).*#Yes (access to the  Premium Global Assist Hotline 24 hours a day/7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles from home). Emergency medical transportation assistance and related services may be provided at no cost, but third-party services may still have costs to you.).*#Yes (access to the  Premium Global Assist Hotline 24 hours a day/7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles from home). Emergency medical transportation assistance and related services may be provided at no cost, but third-party services may still have costs to you.).*#Yes (provides referrals only; you are responsible for all costs involved).No.Baggage loss or damageYes (Baggage Insurance Plan can cover lost, damaged or stolen baggage on a common carrier when the entire fare is paid for with your eligible card. Limits are $2,000 for checked bags and $3,000 for carry-on bags in excess of coverage provided by the carrier. There is a limit of $3,000 aggregate per covered trip. For New York state residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum limit for all covered persons per covered trip).*~Yes (up to $3,000 per covered trip; for New York state residents, coverage is up to $2,000 per bag).Yes (up to $3,000 per passenger).Yes (up to $3,000 per covered trip; for New York state residents, coverage is up to $2,000 per bag).Yes (up to $3,000 per covered trip; for New York state residents, coverage is up to $2,000 per bag).Yes (Baggage Insurance Plan can cover lost, damaged or stolen baggage on a common carrier when the entire fare is paid for with your eligible card. Limits are $2,000 for checked bags and $3,000 for carry-on bags in excess of coverage provided by the carrier. There is a limit of $3,000 aggregate per covered trip. For New York state residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum limit for all covered persons per covered trip).*~Yes (Baggage Insurance Plan can cover lost, damaged or stolen baggage on a common carrier when the entire fare is paid for with your eligible card. Limits are $2,000 for checked bags and $3,000 for carry-on bags in excess of coverage provided by the carrier. There is a limit of $3,000 aggregate per covered trip. For New York state residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum limit for all covered persons per covered trip).*~Yes (Baggage Insurance Plan can cover lost, damaged or stolen baggage on a common carrier when the entire fare is paid for with your eligible card. Limits are $500 for checked bags and $1,250 for carry-on bags in excess of coverage provided by the carrier. For New York state residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip).*~Yes (up to $3,000 per passenger).Yes (up to $3,000 per covered traveler; for New York state residents, coverage is up to $2,000 per bag).Baggage delayNo.No.Yes ($100 daily for up to five days if bags are more than six hours late).Yes (up to $100 per day for three days if bags are more than six hours late).No.No.No.No.Yes (up to $100 per day for three days if bags are more than six hours late).No.Trip delayYes (up to $500 per covered trip that is delayed by more than six hours, capped at two claims per eligible card in 12 consecutive months).*^Yes (up to $500 per ticket for delays of more than six hours).Yes (up to $500 per ticket for delays of more than six hours or delays requiring an overnight stay).Yes (up to $500 per ticket for delays of more than six hours or overnight).Yes (up to $500 per ticket for delays of more than six hours).Yes (up to $500 per covered trip that is delayed by more than six hours, capped at two claims per eligible card in 12 consecutive months).*^Yes (up to $500 per covered trip that is delayed by more than six hours, capped at two claims per eligible card in 12 consecutive months).*^Yes (up to $500 per covered trip that is delayed by more than six hours, capped at two claims per eligible card in 12 consecutive months).*^Yes (up to $500 per ticket for delays of more than 12 hours or overnight).Yes (up to $500 per traveler for delays of six hours or more).Trip cancellation and interruptionYes (with a maximum benefit of $10,000 per covered trip and $20,000 per eligible card in a 12-month period).*^Yes (up to $2,000 per person).Yes (up to $10,000 per person and $20,000 per trip).Yes (up to $2,000 per person).Yes (up to $2,000 per person).Yes (with a maximum benefit of $10,000 per covered trip and $20,000 per eligible card in a 12-month period).*^Yes (with a maximum benefit of $10,000 per covered trip and $20,000 per eligible card in a 12-month period).*^Yes (with a maximum benefit of $10,000 per covered trip and $20,000 per eligible card in a 12-month period).*^Yes (up to $10,000 per person and $20,000 per trip).Yes (up to $5,000 per trip).Travel accident insuranceNo.Yes (up to $1 million).Yes (up to $1 million, plus up to $2,500 for emergency medical and dental coverage, subject to a $50 deductible).Yes (up to $1 million).Yes (up to $500,000).No.No.No.Yes (up to $500,000).No.Emergency evacuation and transportationYes (up to $100,000 per trip; must be coordinated by the Premium Global Assist Hotline; otherwise, you must pay for it).*#No.Yes (up to $100,000; must be coordinated by the benefits administrator to be covered).Yes (up to $100,000; must be coordinated by the benefits administrator to be covered).Yes (up to $10,000; must be coordinated by the benefits administrator to be covered and is secondary coverage).Yes (up to $100,000 per trip; must be coordinated by the Premium Global Assist Hotline; otherwise, you must pay for it).*#Yes (up to $100,000 per trip; must be coordinated by the Premium Global Assist Hotline; otherwise, you must pay for it).*#Yes (up to $100,000 per trip; must be coordinated by the Premium Global Assist Hotline; otherwise, you must pay for it).*#Yes (up to $100,000; must be coordinated by the benefits administrator to be covered).No.Purchase protectionYes (for 90 days from the purchase date, up to $10,000 per occurrence and up to $50,000 annually per cardmember account).*~Yes (within 90 days, up to $10,000 per claim and $50,000 per account).Yes (within 120 days, up to $10,000 per claim and $50,000 per year).Yes (within 90 days, up to $10,000 per claim and $50,000 per account).Yes (within 90 days, up to $10,000 per claim and $50,000 per account).Yes (for 90 days from the purchase date, up to $10,000 per occurrence and up to $50,000 annually per cardmember account).*~Yes (for 90 days from the purchase date, up to $10,000 per occurrence and up to $50,000 annually per cardmember account).*~Yes (for 90 days from the purchase date, up to $10,000 per occurrence and up to $50,000 annually per cardmember account).*~Yes (within 120 days, up to $10,000 per claim and $50,000 per year).Yes (within 90 days, up to $10,000 per incident and $50,000 per year).Extended warrantyYes (adds an extra year to manufacturers’ warranties of five years or less; covers the actual amount charged to your eligible card, with a maximum of $10,000 per item and $50,000 annually per account).*~Yes (additional year on warranties of three years or less; covered up to the full amount charged to your card, minus shipping and handling fees, with a maximum of $10,000 per claim and $50,000 per cardholder).Yes (additional year on warranties of three years or less; up to $10,000 per claim and $50,000 per account).Yes (additional year on warranties of three years or less).Yes (additional year on warranties of three years or less; covered up to the full amount charged to your card, minis shipping and handling fees, with a maximum of $10,000 per claim and $50,000 per cardholder).Yes (adds an extra year to manufacturers’ warranties of five years or less; covers the actual amount charged to your eligible card, with a maximum of $10,000 per item and $50,000 annually per account).*~Yes (adds an extra year to manufacturers’ warranties of five years or less; covers the actual amount charged to your eligible card, with a maximum of $10,000 per item and $50,000 annually per account).*~Yes (adds an extra year to manufacturers’ warranties of five years or less; covers the actual amount charged to your eligible card, with a maximum of $10,000 per item and $50,000 annually per account).*~Yes (additional year on warranties of three years or less).Yes (24 additional months, up to $10,000 per item).Return protectionYes (covered for up to 90 days from the purchase date; American Express will refund up to the full purchase price, excluding shipping and handling, up to $300 per item and up to $1,000 annually per eligible card account; you must pay for the entirety of the item with your card and it must be purchased in the U.S. or its territories).*Yes (90 days, up to $300 per item and $1,000 per year).Yes (90 days, up to $500 per item and $1,000 per year).No.Yes (90 days, up to $300 per item and $1,000 per year).Yes (covered for up to 90 days from the purchase date; American Express will refund up to the full purchase price, excluding shipping and handling, up to $300 per item and up to $1,000 annually per eligible card account; you must pay for the entirety of the item with your card and it must be purchased in the U.S. or its territories).*Yes (covered for up to 90 days from the purchase date; American Express will refund up to the full purchase price, excluding shipping and handling, up to $300 per item and up to $1,000 annually per eligible card account; you must pay for the entirety of the item with your card and it must be purchased in the U.S. or its territories).*Yes (covered for up to 90 days from the purchase date; American Express will refund up to the full purchase price, excluding shipping and handling, up to $300 per item and up to $1,000 annually per eligible card account; you must pay for the entirety of the item with your card and it must be purchased in the U.S. or its territories).*Yes (90 days, up to $500 per item and $1,000 per year).No.Cellphone protectionYes (covers phones that are damaged or stolen but does not cover cosmetic damage or lost phones; maximum coverage is $800 liability per claim, less a $50 deductible, and limited to two claims per eligible account in a 12-month period; limited to cellphone lines listed on a mobile phone plan paid for with an eligible card in the most recent billing period).*^Yes (up to $800 per claim or $1,600 per 12-month period; a $50 deductible applies; coverage applies to theft, damage, or involuntary and accidental parting of your phone when associated with a cellphone plan paid for with your card during the previous month.)No.No.No.No.No.Yes (covers phones that are damaged or stolen but does not cover cosmetic damage or lost phones; maximum coverage is $800 liability per claim, less a $50 deductible, and limited to two claims per eligible account in a 12-month period; limited to cellphone lines listed on a mobile phone plan paid for with an eligible card in the most recent billing period).*^No.No.

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