Trip cancellation & interruption
Reimburses pre-paid, non-refundable trip costs when a covered reason stops you from going or cuts the trip short.
What it is
Trip cancellation pays back non-refundable costs if you have to cancel before you leave; trip interruption covers the unused part and sometimes the trip home if you must cut the trip short. Card versions only pay for covered reasons listed in the benefit guide, such as illness, injury, death of a family member or severe weather, depending on the card.
What to check on your card
- Limit: per traveler, per trip, and sometimes per 12 months.
- What counts: some cards cover only passenger fares; others include tours and hotels.
- How you paid: many cards require the whole trip, or at least part of it, on the card or its points.
- Covered reasons: changing your mind isn’t listed as a covered reason on any card we checked. “Cancel for any reason” is a separate add-on sold with some standalone policies.
These are general descriptions. The exact terms on your card are in its Guide to Benefits. Not insurance advice.
Card by card
From each issuer’s page or benefit guide. “Not listed” means it wasn’t on the source we read, not that it can’t exist.
| Card | Status | What the issuer says |
|---|---|---|
| Chase Sapphire Preferred | Listed with terms | Up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels, if the trip is canceled or cut short by sickness, severe weather or other covered situations. |
| Chase Sapphire Reserve | Listed with terms | Up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels, if the trip is canceled or cut short by sickness, severe weather or other covered situations. |
| Chase Ink Business Preferred | Listed with terms | Up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels, if the trip is canceled or cut short by sickness, severe weather or other covered situations. |
| United Explorer Card | Listed with terms | Up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares, if the trip is canceled or cut short by sickness, severe weather or other covered situations. |
| United Quest Card | Listed with terms | Up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares, if the trip is canceled or cut short by sickness, severe weather or other covered situations. |
| United Club Card | Listed with terms | Up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels, if the trip is canceled or cut short by sickness, severe weather or other covered situations. |
| Southwest Rapid Rewards Plus | Not listed | |
| Southwest Rapid Rewards Priority | Not listed | |
| Marriott Bonvoy Bold | Not listed | |
| Marriott Bonvoy Boundless | Not listed | |
| IHG One Rewards Premier | Listed with terms | Up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels, if the trip is canceled or cut short by sickness, severe weather or other covered situations. |
| Amex Platinum Card | Listed with terms | Round trip paid entirely with the card: up to $10,000 per trip and $20,000 per card per 12 consecutive months for non-refundable expenses bought with the same card, when a covered reason cancels or interrupts the trip. |
| Amex Gold Card | Not listed | |
| Delta SkyMiles Gold Amex | Not listed | |
| Delta SkyMiles Platinum Amex | Not listed | |
| Delta SkyMiles Reserve Amex | Listed with terms | Round trip paid entirely with the card: up to $10,000 per trip and $20,000 per card per 12 consecutive months for non-refundable expenses bought with the same card, when a covered reason cancels or interrupts the trip. |
| Hilton Honors Amex Card | Not listed | |
| Hilton Honors Amex Surpass | Not listed | |
| Hilton Honors Amex Aspire | Listed with terms | Round trip paid entirely with the card: up to $10,000 per trip and $20,000 per card per 12 consecutive months for non-refundable expenses bought with the same card, when a covered reason cancels or interrupts the trip. |
| Marriott Bonvoy Brilliant Amex | Listed with terms | Round trip paid entirely with the card: up to $10,000 per trip and $20,000 per card per 12 consecutive months for non-refundable expenses bought with the same card, when a covered reason cancels or interrupts the trip. |
| Amex Business Platinum Card | Listed with terms | Round trip paid entirely with the card: up to $10,000 per trip and $20,000 per card per 12 consecutive months for non-refundable expenses bought with the same card, when a covered reason cancels or interrupts the trip. |
| Amex Business Gold Card | Not listed | |
| Capital One Venture X | Listed with terms | Up to $2,000 per insured person for non-refundable common-carrier tickets, when the entire cost of the trip is charged to the card and/or its rewards (less certificates, vouchers or coupons). Covered causes in the guide: death, accidental injury, disease or physical illness of you or an immediate family member, or carrier insolvency. |
| Capital One Venture | Not listed | |
| Citi Strata Premier | Listed, no limits published | Card page lists "Trip Cancellation and Trip Interruption (Common Carrier)". No limit stated. |
| Citi Strata Elite | Listed with terms | Enhanced Trip Cancellation and Trip Interruption: maximum $5,000 per covered trip and $10,000 per account per 12 consecutive months. |
| Citi AAdvantage Executive | Listed with terms | Up to $5,000 per trip for non-refundable trip costs, when at least part of the trip is paid with the card and/or AAdvantage miles (reimburses the lesser of the amount paid that way or the limit). |
| Bilt Blue Card | Not included | Bilt's comparison table: "Not included". |
| Bilt Obsidian Card | Listed with terms | Trip Cancellation and Interruption: up to $2,000 per covered trip and $5,000 per account per 12 consecutive months, for nonrefundable amounts paid to a common carrier. The full cost of the trip must be charged to the card, or to the card combined with its points or frequent-flyer certificates, vouchers or discounts. Secondary. |
| Bilt Palladium Card | Listed with terms | Trip Cancellation and Interruption: up to $2,000 per covered trip and $5,000 per account per 12 consecutive months, for nonrefundable amounts paid to a common carrier. The full cost of the trip must be charged to the card, or to the card combined with its points or frequent-flyer certificates, vouchers or discounts. Secondary. |
| Wells Fargo Autograph Journey | Listed with terms | Up to $15,000 for lodging, flights and activities if the trip is canceled for a covered reason. Entire trip cost must be paid with the card (less certificates, vouchers or coupons). Secondary. |
Quick answers
Which credit cards list trip cancellation with terms?
Of the 31 cards we checked, 18 list trip cancellation with published terms: Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Business Preferred, United Explorer Card, United Quest Card, United Club Card, IHG One Rewards Premier, Amex Platinum Card, Delta SkyMiles Reserve Amex, Hilton Honors Amex Aspire, Marriott Bonvoy Brilliant Amex, Amex Business Platinum Card, Capital One Venture X, Citi Strata Elite, Citi AAdvantage Executive, Bilt Obsidian Card, Bilt Palladium Card and Wells Fargo Autograph Journey. 1 more list it without published limits or as assistance only: Citi Strata Premier. Check your Guide to Benefits.
What does “not listed” mean for trip cancellation?
It means trip cancellation wasn’t on the issuer page or benefit guide we read for that card. Not listed doesn’t mean not covered: the card’s Guide to Benefits may still include it. Check your Guide to Benefits.
What should I check about trip cancellation in my Guide to Benefits?
Limit: per traveler, per trip, and sometimes per 12 months. What counts: some cards cover only passenger fares; others include tours and hotels. How you paid: many cards require the whole trip, or at least part of it, on the card or its points. Covered reasons: changing your mind isn’t listed as a covered reason on any card we checked. “Cancel for any reason” is a separate add-on sold with some standalone policies. Check your Guide to Benefits.
Not listed for your card?
Standalone travel insurance policies can include trip cancellation & interruption. Compare what policies include, their limits and exclusions.