Credit Cards With Insurance 2026

Some credit cards include insurance cover – such as trip cancellation, foreign travel health insurance or rental car protection. That can save separate policies. It's important to check the scope of cover, deductibles and conditions, as these differ significantly by card.

Who is it for?

For travellers who want insurance benefits bundled through the card instead of taking out separate policies.

What to look out for

• Which insurances are included (trip cancellation, health, rental car)?
• Check coverage amounts and deductibles
• Note the conditions (e.g. booking with the card)
• Weigh the annual fee against the cover

At a glance

• Cards compared: 20
• Issuers: 11
• Card types: 11 credit cards with revolving option, 5 charge cards (pay in full), 4 debit cards
• Networks: Visa (5), Mastercard (8), Visa or Mastercard (2), American Express (5)
• No annual fee: 4 of 20; otherwise €58.80 to €850 per year
• No foreign transaction fee: 13 of 20; otherwise 1.95% to 2%
• With revolving credit option: 11 of 20; APR 10.05% to 25.79%
• With travel insurance: 20 of 20
• No SCHUFA check: 2 of 20

Calculated automatically from the current card data in this comparison.

Recommendations compared

1. Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account. Score: 8.6/10 (Very good) · Annual fee: €0 · Bonus: +€15 · Rating: 9.4/10
2. GMX WEB.Cent Credit Card (Mastercard Gold) – Free gold credit card with travel insurance and free worldwide withdrawals. Score: 8.6/10 (Very good) · Annual fee: €0 · Bonus: +€20 · Rating: 8.2/10
3. TF Bank Mastercard Gold – Free travel credit card with included travel insurance and a long payment period. Score: 8.5/10 (Very good) · Annual fee: €0 · Bonus: — · Rating: 9.2/10
4. Advanzia Gebührenfrei Mastercard Gold – Permanently free genuine credit card with travel insurance — ideal when repaid in full each month. Score: 8.4/10 (Very good) · Annual fee: €0 · Bonus: — · Rating: 8.3/10
5. Openbank BestCard Extra – Credit card with insurance package and 6 free withdrawals abroad per month. Score: 7.6/10 (Good) · Annual fee: €58.80 · Bonus: — · Rating: 8.2/10
6. N26 Go – N26 travel card with insurance and unlimited free withdrawals outside the eurozone for under €10/month. Score: 7.4/10 (Good) · Annual fee: €118.80 · Bonus: — · Rating: 7.9/10
7. N26 Metal – Exclusive stainless steel card with a free lounge visit, travel insurance and unlimited free withdrawals outside the eurozone. Score: 7.3/10 (Good) · Annual fee: €202.80 · Bonus: — · Rating: 8.0/10
8. Openbank BestCard Premium – Premium card with extensive insurance and 8 free withdrawals worldwide per month. Score: 7.2/10 (Good) · Annual fee: €118.80 · Bonus: — · Rating: 8.0/10
9. easybank Credit Card Platinum – Premium travel credit card with a full insurance package and 0% foreign currency fee worldwide. Score: 7.0/10 (Fair) · Annual fee: €99 · Bonus: — · Rating: 7.9/10
10. Hilton Honors Credit Card – Hotel credit card with Gold status, Hilton Honors points and no foreign currency fee for €6 a month. Score: 6.9/10 (Fair) · Annual fee: €72 · Bonus: 50,000 points · Rating: 7.0/10
11. Hanseatic Bank Goldcard – Gold credit card with travel insurance and fee-free withdrawals worldwide for €4.90 a month. Score: 6.9/10 (Fair) · Annual fee: €58.80 · Bonus: — · Rating: 8.0/10
12. Revolut Premium – Unlimited foreign currency transactions without surcharge plus a travel insurance package for under €9/month. Score: 6.8/10 (Fair) · Annual fee: €89 · Bonus: — · Rating: 7.8/10
13. Revolut Metal – Stainless steel card with cashback on payments and partner travel insurance — Revolut's top everyday card. Score: 6.5/10 (Fair) · Annual fee: €155 · Bonus: — · Rating: 7.9/10
14. Miles & More Gold Credit Card – Collect miles for flights with comprehensive travel cover. Score: 5.3/10 (Adequate) · Annual fee: €138 · Bonus: — · Rating: 8.5/10
15. American Express Gold Card – Collect points with attractive travel and shopping benefits. Score: 5.2/10 (Adequate) · Annual fee: €240 · Bonus: +€200 · Rating: 8.6/10
16. BMW Premium Card Carbon – Premium Amex for BMW drivers with lounge access, a comprehensive insurance package and double points around the car. Score: 5.2/10 (Adequate) · Annual fee: €500 · Bonus: 37,500 points · Rating: 5.3/10
17. American Express Platinum Card – Premium metal charge card with worldwide lounge access, travel insurance and yearly credits. Score: 5.1/10 (Adequate) · Annual fee: €720 · Bonus: +€340 · Rating: 5.1/10
18. American Express Business Gold Card – Earn points and manage business spending flexibly. Score: 7.6/10 (Good) · Annual fee: €175 · Bonus: +€150 · Rating: 8.6/10
19. Miles & More Gold Credit Card Business – The miles card for business spending and travel. Score: 7.3/10 (Good) · Annual fee: €138 · Bonus: — · Rating: 8.4/10
20. American Express Business Platinum Card – Premium business card with lounge access and top services. Score: 6.4/10 (Fair) · Annual fee: €850 · Bonus: 200,000 points · Rating: 8.7/10

All information without guarantee (continuously updated). Conditions may change – the provider's details are always decisive.

Related guides: Credit card travel insurance: what's covered · Using a credit card abroad: how to avoid fees

Frequently asked questions

What insurance does a credit card offer?

Depending on the card, for example trip cancellation, foreign travel health or rental car insurance. The exact scope and conditions vary widely – the provider's insurance terms are decisive.

Does the insurance apply automatically?

Often only if the trip was paid for with the card and within certain limits. Check your card's exact conditions before travelling.

Which card suits you best?

Use your personal usage profile to calculate the real annual cost of every card.