Cards with lost & delayed luggage

Pays for bags the airline loses, and essentials while they're delayed.

130 cards in our database include it — 47 with no annual fee. Popular cards first, then the rest by annual fee.

Coverage finder, not an insurance certificate. We normalize issuer wording so cards can be compared. Report incorrect data and confirm the current benefits guide before a claim.

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130 matching cards

  • Prime Visa card artPrime VisaChaseNo annual fee

    Listed as “Baggage Delay Insurance”

    Coverage details

    Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

  • Marriott Bonvoy Boundless card artMarriott Bonvoy BoundlessChase$95/yr

    Listed as “Baggage Delay Insurance”

    Coverage details

    Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

  • Sapphire Preferred card artSapphire PreferredChase$95/yr

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.

  • American Express Gold Card card artAmerican Express Gold CardAmerican Express$325/yr

    Listed as “Baggage Insurance Plan”

    Coverage details

    Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

  • Venture X card artVenture XCapital One$395/yr

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    When you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.

  • Sapphire Reserve card artSapphire ReserveChase$795/yr

    Listed as “Baggage Delay Insurance”

    Coverage details

    Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.

  • Abby Bank Visa® Everyday Rewards+ card artAbby Bank Visa® Everyday Rewards+Abby BankNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • Abby Bank Visa® Max Cash Preferred card artAbby Bank Visa® Max Cash PreferredAbby BankNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • Abby Bank Visa® Max Cash Secured card artAbby Bank Visa® Max Cash SecuredAbby BankNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • Amazon Business card artAmazon BusinessAmerican ExpressNo annual fee

    Listed as “Baggage Insurance Plan”

    Coverage details

    Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier.

  • Amazon Business Prime card artAmazon Business PrimeAmerican ExpressNo annual fee

    Listed as “Baggage Insurance Plan”

    Coverage details

    Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier.

  • Amazon Rewards Visa Signature card artAmazon Rewards Visa SignatureChaseNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Covers damaged or lost luggage by the carrier up to $3,000 per passenger.

  • Amazon Visa card artAmazon VisaChaseNo annual fee

    Listed as “Baggage Delay Insurance”

    Coverage details

    Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

  • Amplify Credit Union Visa® Everyday Rewards+ card artAmplify Credit Union Visa® Everyday Rewards+Amplify Credit UnionNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • Carrollton Bank Visa® Everyday Rewards+ card artCarrollton Bank Visa® Everyday Rewards+Carrollton BankNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • Cathay Bank Visa® Everyday Rewards+ card artCathay Bank Visa® Everyday Rewards+Cathay BankNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • Cathay Bank Visa® Max Cash Preferred card artCathay Bank Visa® Max Cash PreferredCathay BankNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • Chevron Federal Credit Union Visa® Everyday Rewards+ card artChevron Federal Credit Union Visa® Everyday Rewards+Chevron Federal Credit UnionNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • Citizens Clear Value® Mastercard® card artCitizens Clear Value® Mastercard®Citizens BankNo annual fee

    Listed as “Lost Luggage Protection”

    Coverage details

    Up to $1,500. Reimburses the actual cost of repairing or replacing your lost or damaged luggage and belongings.

  • Costco Anywhere Visa® Business card artCostco Anywhere Visa® BusinessCitiNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.

  • Disney® Visa® Card card artDisney® Visa® CardChaseNo annual fee

    Listed as “Baggage Delay Insurance”

    Coverage details

    Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

  • First National Bank and Trust Visa® Everyday Rewards+ card artFirst National Bank and Trust Visa® Everyday Rewards+First National Bank and TrustNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • First National Bank and Trust Visa® Max Cash Preferred card artFirst National Bank and Trust Visa® Max Cash PreferredFirst National Bank and TrustNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

  • Green Belt Bank and Trust Visa® Everyday Rewards+ card artGreen Belt Bank and Trust Visa® Everyday Rewards+Green Belt Bank and TrustNo annual fee

    Listed as “Lost Luggage Reimbursement”

    Coverage details

    Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.

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Coverage terms, caps, and exclusions vary by card and change over time — always confirm against the issuer's current benefits guide before relying on a protection.