Lost or damaged baggage
Pays to repair or replace bags that a carrier loses, damages or that are stolen, on top of what the carrier pays.
What it is
Lost or damaged baggage coverage usually pays only the amount above what the airline or other carrier already pays, up to a limit per traveler or per trip.
What to check
- Limit: per traveler, per bag, per trip, and lower limits for items like jewelry and electronics on some cards.
- Excess: most cards pay after the carrier.
- Fare paid with the card: usually required.
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 $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| Chase Sapphire Reserve | Listed with terms | Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| Chase Ink Business Preferred | Not listed | |
| United Explorer Card | Listed with terms | Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| United Quest Card | Listed with terms | Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| United Club Card | Listed with terms | Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| Southwest Rapid Rewards Plus | Listed with terms | Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| Southwest Rapid Rewards Priority | Listed with terms | Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| Marriott Bonvoy Bold | Listed with terms | Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| Marriott Bonvoy Boundless | Listed with terms | Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| IHG One Rewards Premier | Listed with terms | Up to $3,000 per covered traveler to repair or replace checked or carry-on bags lost, damaged or stolen during a covered trip. New York residents: also limited to $2,000 per bag and $10,000 for all covered travelers per trip. |
| Amex Platinum Card | Not listed | |
| Amex Gold Card | Listed with terms | Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $1,250 for carry-on bags and up to $500 for checked bags, in excess of what the carrier pays. |
| Delta SkyMiles Gold Amex | Listed with terms | Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $1,250 for carry-on bags and up to $500 for checked bags, in excess of what the carrier pays. |
| Delta SkyMiles Platinum Amex | Listed with terms | Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $1,250 for carry-on bags and up to $500 for checked bags, in excess of what the carrier pays. |
| Delta SkyMiles Reserve Amex | Listed with terms | Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $1,250 for carry-on bags and up to $500 for checked bags, in excess of what the carrier pays. |
| Hilton Honors Amex Card | Not listed | |
| Hilton Honors Amex Surpass | Listed with terms | Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $1,250 for carry-on bags and up to $500 for checked bags, in excess of what the carrier pays. |
| Hilton Honors Amex Aspire | Listed with terms | Baggage Insurance Plan, when the entire common-carrier fare is on the card: a combined maximum of $3,000 for checked and carry-on bags, including up to $2,000 for checked bags and up to $1,000 for high-risk items such as jewelry and electronics, in excess of what the carrier pays. |
| Marriott Bonvoy Brilliant Amex | Listed with terms | Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $2,000 for checked bags and a combined $3,000 for checked and carry-on bags (also a $3,000 aggregate limit per covered trip), in excess of what the carrier pays. |
| Amex Business Platinum Card | Listed with terms | Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $2,000 for checked bags and a combined $3,000 for checked and carry-on bags (also a $3,000 aggregate limit per covered trip), in excess of what the carrier pays. |
| Amex Business Gold Card | Listed with terms | Baggage Insurance Plan, when the entire common-carrier fare is on the card: up to $1,250 for carry-on bags and up to $500 for checked bags, in excess of what the carrier pays. |
| Capital One Venture X | Listed with terms | Lost Luggage Reimbursement: up to $3,000 per covered trip (New York residents: $2,000 per bag), on top of what the common carrier pays, for checked or carry-on bags lost through theft or misdirection by the carrier. A portion or all of the common-carrier fare must be paid with the card and/or its rewards. |
| Capital One Venture | Not listed | |
| Citi Strata Premier | Listed, no limits published | Card page lists "Lost or Damaged Luggage". No limit stated. |
| Citi Strata Elite | Listed with terms | Lost or Damaged Luggage: up to $5,000 per covered trip (New York residents: $2,000 per bag), 2 claims per account per 12 consecutive months. Secondary to the carrier and other insurance. |
| Citi AAdvantage Executive | Listed with terms | Up to $3,000 per covered traveler per trip, $10,000 total for all covered travelers ($2,000 per bag for New York residents). |
| Bilt Blue Card | Not included | Bilt's comparison table: "Not included". |
| Bilt Obsidian Card | Listed with terms | Lost or Damaged Luggage: up to $1,500 per incident to repair or replace checked or carry-on bags and their contents, 2 claims per 12 months. Secondary. |
| Bilt Palladium Card | Listed with terms | Lost or Damaged Luggage: up to $1,500 per incident to repair or replace checked or carry-on bags and their contents, 2 claims per 12 months. Secondary. |
| Wells Fargo Autograph Journey | Listed with terms | Up to $3,000 per trip if bags are lost due to theft or misdirection by a common carrier. Fare must be paid entirely with the card and/or its rewards. Secondary. |
Quick answers
Which credit cards list lost or damaged bags with terms?
Of the 31 cards we checked, 25 list lost or damaged bags 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, Amex Gold Card, Delta SkyMiles Gold Amex, Delta SkyMiles Platinum Amex, Delta SkyMiles Reserve Amex, Hilton Honors Amex Surpass, 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, Bilt Palladium Card and Wells Fargo Autograph Journey. 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 lost or damaged bags?
It means lost or damaged bags 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 lost or damaged bags in my Guide to Benefits?
Limit: per traveler, per bag, per trip, and lower limits for items like jewelry and electronics on some cards. Excess: most cards pay after the carrier. Fare paid with the card: usually required. Check your Guide to Benefits.
Not listed for your card?
Standalone travel insurance policies can include lost or damaged baggage. Compare what policies include, their limits and exclusions.