It’s not just about zero foreign transaction fees.

By Melanie Lieberman
November 30, 2015
Credit Cards
Credit: Getty Images/iStockphoto

A new study, released by CardHub last week, says Chase Sapphire Preferred, Chase Freedom, and Citi Prestige are the cards with the best overall benefits—especially ancillary travel perks and insurances that are often overlooked.

For travelers, the $3,000 reiumbursment for lost luggage (or a cool $500 for delayed bags) helped Chase Sapphire snag the number one spot. Price protection and return extension benefits for most purchases—perks that 47 and 45 percent of cards, respectively, do not offer—doesn't hurt either.

Other perks include:

  • Rental car insurance
  • Travel insurance, up to $500,000 (if things end very, very badly). Most cards only offer $100,000.
  • 50,000 bonus points ($625 toward any travel purchase) when you spend $4,000 in the first three months
  • 1:1 point transfers with partner miles and points, including British Airways, United, Southwest, Hyatt, Marriott, and even Amtrak
  • Smart chip security
  • And, of course, no foreign transaction fee

Looking for the right card to help you achieve your worldly ambitions? Check out our Tip Sheet for the best travel reward credit cards.

Melanie Lieberman is the Assistant Digital Editor at Travel + Leisure. Follow her on Twitter and Instagram at @melanietaryn.