Best credit card issuers for each type of credit card perk - Find Me a Card

Best credit card issuers for each type of credit card perk

(Last updated: September 2021)

In this article, we'll compare the most popular credit card issuers for each of several types of credit card network perks.

Contents:

  1. Summary
  2. Rental car insurance
  3. Purchase protection
  4. Return protection
  5. Price protection
  6. Extended warranty
  7. Travel insurance

Note: To learn more about network perks, check out our article titled Network perks.

Summary

The overall winner for best credit card perks (or, more specifically, "network perks") among all of the types of perks and all of the credit card issuers and specific credit cards reviewed, was Chase.

Issuer scores for each type of reviewed perk

Chase

USAA

Wells Fargo

American Express

Bank of America

US Bank

Capital One

Citi

Rental car insurance: Personal cards

4.5

4.3

3.8

3.7

3.6

3.45

3.35

 

Rental car insurance: Business cards

4.2

 

3.9

4.1

3.65

3.55

3.95

 

Purchase protection

4.7

 

3.05

4.25

3.55

3.95

3.5

 

Return protection

4.45

 

4.1

4.1

4

 

 

4

Price protection

 

 

3.5

 

 

 

3.95

 

Extended warranty

3.85

3.35

 

4.4

3.2

3.75

3.5

4.55

Travel insurance: Personal cards

4

3.7

3.05

1.25

1.95

2.8

3.4

 

Travel insurance: Business cards

4.75

 

3.15

2.25

3.3

2.85

3.4

 

Rental car insurance

Rental car insurance offered by personal credit cards

Rental car insurance: Personal cards

Weight

Chase

USAA

Wells Fargo

American Express

Bank of America

US Bank

Capital One

Vehicles excluded

30%

4

3

3

3

3

3

3

Other exclusions (countries, loss-of-use, types of roads, types of damage)

35%

5

5

4

3

4

3

3

Other aspects of coverage quality (coverage duration, towing, etc.)

15%

5

5

4

5

4

4

4

Process (activation and claims process)

10%

5

5

5

5

5

5

4

Transparency (accessibility of exclusion-related and other information)

10%

3

4

4

5

2

4

4

Overall rating

 

4.5

4.3

3.8

3.7

3.6

3.45

3.35

Rank

 

1

2

3

4

5

6

7

Rental car insurance offered by business credit cards

Rental car insurance: Business cards

Weight

Chase

American Express

Capital One

Wells Fargo

Bank of America

US Bank

Vehicles excluded

30%

3

3

3

3

3

3

Other exclusions (countries, loss-of-use, types of roads, types of damage)

35%

5

4

4

4

4

4

Other aspects of coverage quality (coverage duration, towing, etc.)

15%

5

5

5

5

5

5

Process (activation and claims process)

10%

5

5

5

5

4

4

Transparency (accessibility of exclusion-related and other information)

10%

3

5

4

3

2

1

Overall rating

 

4.2

4.1

3.95

3.9

3.65

3.55

Rank

 

1

2

3

4

5

6

Purchase protection

Purchase protection

Weight

Chase

American Express

US Bank

Bank of America

Capital One

Wells Fargo

Scope of coverage

45%

5

4

4

4

3

2

Duration of protection period

30%

5

4

4

4

4

4

Process (signup and claims)

15%

3

5

3

3

3

3

Transparency

10%

5

5

5

1

5

5

Overall rating

 

4.7

4.25

3.95

3.55

3.5

3.05

Rank

 

1

2

3

4

5

6

Return protection

Return protection

Weight

Card: Chase Sapphire Reserve

Card: Barclaycard Arrival Plus World Elite Mastercard

Card Wells Fargo Propel

Issuer: American Express

Issuer: Citi

Card: Bank of America Premium Rewards

Scope of coverage

45%

4

4

3

3

3

3

Duration of return period

30%

5

5

5

5

5

5

Process (signup and claims)

15%

5

4

5

5

5

5

Transparency

10%

4

3

5

5

4

4

Overall rating

 

4.45

4.2

4.1

4.1

4

4

Rank

 

1

2

3 (tie)

3 (tie)

5 (tie)

5 (tie)

Notes:

  • For Chase, the only cards offering return protection are: Chase Sapphire Reserve and J.P. Morgan Reserve Credit Card
  • For Bank of America, the only cards offering return protection are: Bank of America Premium Rewards Card
  • For US Bank, the only cards offering return protection are: Cash 365 and Altitude Reserve Visa Infinite Card
  • For Barclays, the only cards offering return protection are: Arrival Plus World Elite Mastercard
  • For USAA, the only cards offering return protection are: Rate Advantage Visa Platinum Card
  • For Wells Fargo, the only cards offering return protection are: Wells Fargo Propel Card
  • There are no Capital One or Discover cards that offer return protection

Price protection

Price protection

Weight

Capital One Savor and SavorOne

Capital One Quicksilver and QuicksilverOne

Wells Fargo Visa Signature

Scope of coverage

45%

3

3

3

Duration of protection period

30%

5

4

3

Process (signup and claims)

15%

4

4

5

Transparency

10%

5

5

5

Overall rating

 

3.95

3.65

3.5

Rank

 

1

2

3

Extended warranty

Extended warranty

Weight

Citi

American Express

Chase

US Bank

Capital One

USAA

Bank of America

Scope of covered items

45%

4

5

4

4

3

2

3

Quality of coverage (coverage limits, duration of additional coverage)

30%

5

3

3

3

3

4

3

Process (signup and claims)

15%

5

5

5

5

5

5

5

Transparency

10%

5

5

4

3

5

5

2

Overall rating

 

4.55

4.4

3.85

3.75

3.5

3.35

3.2

Rank

 

1

2

3

4

5

6

7

Travel insurance

Travel insurance offered by personal credit cards

Travel insurance (personal cards)

Weight

Chase

USAA

Capital One

Wells Fargo

US Bank

Bank of America

American Express

Quality of travel accident insurance

40%

4

5

4

4

4

1

1

Quality of lost luggage insurance

35%

4

2

3

2

2

3

1

Other aspects (fine print, costs, claims process, etc.)

25%

4

4

3

3

2

2

2

Overall rating

 

4

3.7

3.4

3.05

2.8

1.95

1.25

Rank

 

1

3

2

4

5

6

7

Travel insurance offered by business credit cards

Travel insurance (business cards)

Weight

Chase

Capital One

Bank of America

Wells Fargo

US Bank

American Express

Quality of travel accident insurance

40%

5

4

4

4

5

2

Quality of lost luggage insurance

35%

5

3

2

3

1

2

Other aspects (fine print, costs, claims process, etc.)

25%

4

3

4

2

2

3

Overall rating

 

4.75

3.4

3.3

3.15

2.85

2.25

Rank

 

1

2

3

4

5

6