Trip delay
Pays for meals, lodging and essentials when a common carrier delays you past a set number of hours.
What it is
Trip delay reimbursement pays reasonable extra costs, such as a hotel night or meals, when a plane, train, bus or cruise is delayed. The trigger is a number of hours (6 or 12 on the cards we checked) or, on some cards, an overnight stay.
What to check
- Hours: 6 hours is much easier to reach than 12.
- Limit: per traveler or per trip, and some cards cap claims per year.
- Round trip rule: some issuers require a round trip paid entirely with the card.
- Covered reasons: usually weather, equipment failure and similar; check the guide.
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 | Common carrier delayed more than 12 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. |
| Chase Sapphire Reserve | Listed with terms | Common carrier delayed more than 6 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. |
| Chase Ink Business Preferred | Not listed | |
| United Explorer Card | Listed with terms | Common carrier delayed more than 12 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. |
| United Quest Card | Listed with terms | Common carrier delayed more than 12 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. |
| United Club Card | Listed with terms | Common carrier delayed more than 12 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. |
| Southwest Rapid Rewards Plus | Not listed | |
| Southwest Rapid Rewards Priority | Not listed | |
| Marriott Bonvoy Bold | Listed with terms | Common carrier delayed more than 12 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. |
| Marriott Bonvoy Boundless | Listed with terms | Common carrier delayed more than 12 hours or requiring an overnight stay: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging. |
| IHG One Rewards Premier | Not listed | |
| Amex Platinum Card | Listed with terms | Round trip paid entirely with the card and delayed more than 6 hours for a covered reason: up to $500 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months. |
| Amex Gold Card | Listed with terms | Round trip paid entirely with the card and delayed more than 12 hours for a covered reason: up to $300 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months. |
| Delta SkyMiles Gold Amex | Not listed | |
| Delta SkyMiles Platinum Amex | Listed with terms | Round trip paid entirely with the card and delayed more than 12 hours for a covered reason: up to $300 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months. |
| Delta SkyMiles Reserve Amex | Listed with terms | Round trip paid entirely with the card and delayed more than 6 hours for a covered reason: up to $500 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months. |
| 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 and delayed more than 6 hours for a covered reason: up to $500 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months. |
| Marriott Bonvoy Brilliant Amex | Listed with terms | Round trip paid entirely with the card and delayed more than 6 hours for a covered reason: up to $500 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months. |
| Amex Business Platinum Card | Listed with terms | Round trip paid entirely with the card and delayed more than 6 hours for a covered reason: up to $500 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months. |
| Amex Business Gold Card | Listed with terms | Round trip paid entirely with the card and delayed more than 12 hours for a covered reason: up to $300 per trip for additional expenses bought with the same card. Maximum 2 claims per card per 12 consecutive months. |
| Capital One Venture X | Listed with terms | Trip delayed more than 6 hours or requiring an overnight stay: up to $500 per purchased ticket for reasonable additional expenses such as meals and lodging. |
| Capital One Venture | Not listed | |
| Citi Strata Premier | Listed, no limits published | Card page lists "Trip Delay". No limit stated. |
| Citi Strata Elite | Listed with terms | Covered trip delayed more than 6 hours by a covered loss: up to $500 per covered trip, 2 claims per account per 12 consecutive months. Secondary. |
| Citi AAdvantage Executive | Listed with terms | Common-carrier trip delayed at least 6 hours: up to $500 per covered traveler, per trip. |
| Bilt Blue Card | Not included | Bilt's comparison table: "Not included". |
| Bilt Obsidian Card | Listed with terms | Trip Delay: delayed more than 6 hours, up to $300 per trip, 1 claim per 12 months. The whole trip must be bought with the card; if certificates, vouchers, coupons or frequent-flyer discounts pay for part of it, the rest must be charged to the card. Secondary. |
| Bilt Palladium Card | Listed with terms | Trip Delay: delayed more than 6 hours, up to $300 per trip, 1 claim per 12 months. The whole trip must be bought with the card; if certificates, vouchers, coupons or frequent-flyer discounts pay for part of it, the rest must be charged to the card. Secondary. |
| Wells Fargo Autograph Journey | Not listed |
Quick answers
Which credit cards list trip delay with terms?
Of the 31 cards we checked, 20 list trip delay with published terms: Chase Sapphire Preferred, Chase Sapphire Reserve, United Explorer Card, United Quest Card, United Club Card, Marriott Bonvoy Bold, Marriott Bonvoy Boundless, Amex Platinum Card, Amex Gold Card, Delta SkyMiles Platinum Amex, Delta SkyMiles Reserve Amex, Hilton Honors Amex Aspire, Marriott Bonvoy Brilliant Amex, Amex Business Platinum Card, Amex Business Gold Card, Capital One Venture X, Citi Strata Elite, Citi AAdvantage Executive, Bilt Obsidian Card and Bilt Palladium Card. 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 delay?
It means trip delay 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 delay in my Guide to Benefits?
Hours: 6 hours is much easier to reach than 12. Limit: per traveler or per trip, and some cards cap claims per year. Round trip rule: some issuers require a round trip paid entirely with the card. Covered reasons: usually weather, equipment failure and similar; check the guide. Check your Guide to Benefits.
Not listed for your card?
Standalone travel insurance policies can include trip delay. Compare what policies include, their limits and exclusions.