Baggage delay
Reimburses essentials like toiletries and clothes when your checked bag shows up late.
What it is
Baggage delay coverage pays for essential purchases while your bags are delayed, usually after a set number of hours (6 on the cards that list it) and up to a daily amount for a set number of days.
What to check
- Trigger: hours of delay.
- Daily cap and days: for example $100 a day for 3 or 5 days.
- Receipts: keep them, plus the airline’s delayed-bag report.
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 $100 a day for up to 5 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| Chase Sapphire Reserve | Listed with terms | Up to $100 a day for up to 5 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| Chase Ink Business Preferred | Not listed | |
| United Explorer Card | Listed with terms | Up to $100 a day for up to 3 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| United Quest Card | Listed with terms | Up to $100 a day for up to 3 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| United Club Card | Listed with terms | Up to $100 a day for up to 3 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| Southwest Rapid Rewards Plus | Listed with terms | Up to $100 a day for up to 3 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| Southwest Rapid Rewards Priority | Listed with terms | Up to $100 a day for up to 3 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| Marriott Bonvoy Bold | Listed with terms | Up to $100 a day for up to 5 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| Marriott Bonvoy Boundless | Listed with terms | Up to $100 a day for up to 5 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| IHG One Rewards Premier | Listed with terms | Up to $100 a day for up to 3 days for essentials like toiletries and clothing when bags are delayed over 6 hours. |
| Amex Platinum Card | Not listed | |
| Amex Gold Card | Not listed | |
| Delta SkyMiles Gold Amex | Not listed | |
| Delta SkyMiles Platinum Amex | Not listed | |
| Delta SkyMiles Reserve Amex | Not listed | |
| Hilton Honors Amex Card | Not listed | |
| Hilton Honors Amex Surpass | Not listed | |
| Hilton Honors Amex Aspire | Not listed | |
| Marriott Bonvoy Brilliant Amex | Not listed | |
| Amex Business Platinum Card | Not listed | |
| Amex Business Gold Card | Not listed | |
| Capital One Venture X | Not listed | |
| Capital One Venture | Not listed | |
| Citi Strata Premier | Not listed | |
| Citi Strata Elite | Not listed | |
| Citi AAdvantage Executive | Not listed | |
| Bilt Blue Card | Not included | Bilt's comparison table: "Not included". |
| Bilt Obsidian Card | Not included | Bilt's comparison table: "Not included". |
| Bilt Palladium Card | Listed with terms | Baggage Delay: bags not delivered within 6 hours of arrival at your destination: up to $250 per claim to replace, on an emergency basis, items that were in your checked bag, 2 claims per 12 months. |
| Wells Fargo Autograph Journey | Not listed |
Quick answers
Which credit cards list baggage delay with terms?
Of the 31 cards we checked, 11 list baggage delay with published terms: Chase Sapphire Preferred, Chase Sapphire Reserve, United Explorer Card, United Quest Card, United Club Card, Southwest Rapid Rewards Plus, Southwest Rapid Rewards Priority, Marriott Bonvoy Bold, Marriott Bonvoy Boundless, IHG One Rewards Premier and Bilt Palladium Card. Check your Guide to Benefits.
What does “not listed” mean for baggage delay?
It means baggage 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 baggage delay in my Guide to Benefits?
Trigger: hours of delay. Daily cap and days: for example $100 a day for 3 or 5 days. Receipts: keep them, plus the airline’s delayed-bag report. Check your Guide to Benefits.
Not listed for your card?
Standalone travel insurance policies can include baggage delay. Compare what policies include, their limits and exclusions.