Don’t get distracted by 6-figure sign-up bonuses, flashy travel credits, and 5x points.
The fine print often hides perks of best travel rewards credit card that could save you hundreds—maybe more—on your next trip.
If you’re shopping for the best travel rewards credit card, pay attention to the quiet perks. Travel upgrades, protections, and reimbursements can be more valuable than sign-up bonuses.
These benefits aren’t as exciting as free flights, but when plans fall apart (and they will), these perks can save your trip—or your wallet.
7 Hidden Credit Card Perks Smart Travelers Look For
1. Lost or Delayed Baggage Reimbursement
Your bag doesn’t show up? That’s when this perk shines.
The best travel rewards credit cards cover essentials like clothes, toiletries, and chargers while your bag catches up. Some even reimburse for lost luggage.
Even better—this coverage usually applies automatically if you used the card to book your flight.
2. Trip Delay or Cancellation Insurance
Stuck in an airport or forced to cancel last minute? You don’t always need travel insurance.
Many cards refund costs like hotels, meals, and transportation when delays hit. Some even cover non-refundable bookings if you cancel for covered reasons.
Just use your card when booking the trip.
3. Cell Phone Protection
Drop your phone? Get pickpocketed? Some cards reimburse for damage or theft.
Make sure you pay your cell phone bill with that card to qualify.
This perk works great abroad—especially in cities where phones disappear fast or when spending a lot of time on the water.
4. Airport Lounge Access or Day Passes
Lounge access isn’t just for business travelers anymore.
Many travel cards include lounge access or let you use points for day passes. Inside, you’ll find free snacks, drinks, Wi-Fi, and comfy chairs.
Even if access isn’t automatic, some cards let you buy passes with points through programs like Priority Pass.
5. Emergency Medical Coverage
Sick abroad? Some cards cover emergency treatment.
It’s not a full travel insurance plan, but it can help with clinic visits or minor emergencies—especially in countries with expensive healthcare.
Check your benefits for coverage limits. Again, book your trip with the card.
6. Rental Car Coverage That Saves Money
Not all rental car coverage is equal.
Look for primary coverage—it protects you without using your personal auto insurance. Even secondary coverage can save your deductible.
Check for terms like “collision damage waiver (CDW)” in the card’s benefits guide. And don’t buy the rental company’s insurance if you want this perk to apply.
7. Travel Tools, Courses, and Concierge Support
This one’s outside the card—but just as valuable.
Take a course on using travel rewards. Learn how to earn, redeem, and maximize benefits many people overlook.
With a little strategy, you’ll get more from your card than just points.
How to Find These Perks Before You Apply
You don’t have to guess. Here’s how to research smart about the best travel rewards credit card:
Download the benefits guide. Search for “Guide to Benefits” or “Travel Protections” on the card’s website.
Use keywords. Look for terms like trip delay, lost baggage, or lounge access.
Check third-party reviews. Blogs and travel sites explain real perks in plain English.
Ask around. Friends or fellow travelers may already know what works—and what doesn’t.
Final Word: Look Beyond the Buzz
Big bonuses and flashy offers get attention. But real value often hides in the small print.
The right card can protect your trip, cover your phone, and save your sanity when things go wrong.
Want to get the most from your travel credit card? Start with our best travel rewards credit card list.
And don’t miss our rewards course in our travel membership—it’s packed with tips to turn points into unforgettable experiences.
Tell us your story about a credit card perk that surprised you!—we’d love to hear from you!
Journo has partnered with CardRatings for our coverage of credit card products. Journo and CardRatings may receive a commission from card issuers.
The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
