Which Travel Perks Are Available With Capital One Mastercard?

Capital One offers travel insurance coverage for both domestic and international travel, depending on the card’s benefits guide. The Capital One Venture family includes three cards that offer travel insurance benefits: the premium-tier Capital One Venture X Rewards Credit Card, the mid-tier Capital One Venture X Rewards Credit Card, and the Visa and Mastercard benefits.

Credit card issuers often offer travel portals where cardholders can book travel with points and earn bonus rewards on paid bookings. The Capital One portal provides a $300 annual credit for bookings through Capital One Travel, offering the best prices on thousands of trip options. Additionally, cardholders can earn 10,000 bonus miles (equal to $100 towards travel) every year.

Travel rewards cards allow travelers to earn miles on purchases and redeem them towards airfare, hotel stays, and other travel expenses. Some Capital One rewards credit cards offer benefits like travel accident insurance and lost luggage reimbursement. Some cards also offer 5X miles on hotels and rental cars booked through Capital One Travel.

Capital One also offers complimentary travel insurance coverage on a few credit cards, providing financial peace of mind for travelers. Travel RewardsMiles cards for flights, hotels, and more are available, as well as cash back cards with Mastercard.

In addition to travel insurance, Mastercard offers $250 to use on Capital One Travel in your first cardholder year, plus 75,000 bonus miles once you spend $4,000 on the card. Depending on your rewards card, you may earn up to 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel.

How do I know if my card has travel insurance?

To determine if your credit card has travel insurance, check your cardholder benefits guide, visit the card provider’s website, or call their customer service number. Not all credit cards have travel insurance, with higher-tier cards offering more comprehensive coverage. It depends on your coverage needs and whether you meet the requirements for the insurance provided with your card. Some credit cards only offer certain types of travel insurance, such as flight delay insurance but not emergency medical insurance. To understand your coverage, read your card’s certificate of insurance carefully and consider your coverage needs before embarking on a trip.

Do credit cards automatically have travel insurance?

Credit card travel insurance is a benefit often included with travel rewards credit cards, such as the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or The Platinum Card® from American Express. It covers various incidents that may impact your trip, allowing you to be reimbursed for all or a portion of related expenses. The coverage varies by card, and may include trip interruption or cancellation, trip delays, baggage delays, damaged or lost luggage, illness or injury, rental car accident or loss, emergency support, and emergency medical evacuation protection.

Trip interruption or cancellation coverage protects you if your travels are interrupted or canceled due to covered reasons, such as illness or severe weather. Trip delays cover you if your flight is delayed and you must pay for meals or lodging. Baggage delays reimburse you for essential items, while damaged or lost luggage covers associated costs. Illness or injury coverage reimburses you for healthcare costs if you get sick or injured during your trip. Rental car accident or loss coverage reimburses you for loss or damages. Emergency support coverage can protect you if you need to be transported by ambulance to the nearest hospital.

What is the difference between Capital One and Mastercard?

Capital One is a credit card issuer, while Visa and Mastercard are credit card networks. Both are two of the world’s four largest credit card networks. They work with Capital One and other financial institutions to issue cards to individuals and businesses. The terms and conditions of these cards, including fees and rewards, are set by the credit card issuers. Some Capital One Visa and Mastercard cards currently offer various benefits.

Which Capital One cards have lounge access?

Capital One Venture X Rewards Credit Card cardholders can access Capital One Lounges for free, with unlimited access and the ability to bring two guests for free. Authorized users can also enter the lounges for free and bring two guests. Additional guests cost $45. Children under 2 are not considered guests and can enter for free with accompanying adults. Venture cardholders can access lounges two times per year for free until the end of 2024, with additional visits or guests costing $45 each. Starting in January 2025, Venture cardholders will no longer receive two complimentary passes each year, and visits will cost $45 each for cardholders and their guests.

How to avoid transaction fees abroad?

To avoid international transaction fees, follow these five solutions:

1. Open a credit card without a foreign transaction fee.
2. Open a bank account without a foreign transaction fee.
3. Exchange currency before traveling.
4. Avoid foreign ATMs.
5. Ask your bank about foreign partners.

By following these steps, you can avoid foreign transaction fees and save money on your vacation budget. It’s essential to be aware of what constitutes a foreign transaction and to use smart financial planning to avoid unnecessary expenses.

Can I use my Capital One Mastercard internationally?

Capital One credit cards provide enhanced security features and can be utilized both domestically and internationally. It is, however, important to ensure that your email and phone number are up to date in order to facilitate communication. It should be noted that foreign transaction fees do not apply to purchases made outside the United States. Furthermore, there is no requirement to notify the relevant financial institution of one’s travel plans.

Is Capital One card good for international travel?

When using a credit card internationally, it’s important to consider foreign transaction fees, dynamic currency conversion (DCC) fees, and the need for cash. Capital One doesn’t charge fees for foreign currency transactions, but other cards may. Merchants may offer to convert the foreign price to your home currency, but usually charge for it. While credit cards provide benefits, flexibility, and protection in case of loss or theft, having cash on hand can be beneficial for certain situations, such as visiting local markets, receiving tips after a meal, or taking a tour.

Does Mastercard have free travel insurance?

MasterCard cardholders who meet the eligibility criteria are entitled to receive travel insurance coverage at no additional cost. The premium is covered by the cardholder’s financial institution, and there is no requirement for the cardholder to inform their financial institution, administrator, or the company when purchasing tickets.

What is the benefit of Capital One Travel?

The Capital One Travel Portal offers numerous benefits for booking with their cards. By booking on the portal and paying with your card, you can earn 5x-10x miles on hotel and rental car bookings. The Capital One VentureOne Rewards Credit Card – Miles Boost and Venture X Rewards Credit Card offer 5x miles, while the Capital One Venture X Rewards Credit Card offers 10x miles and 5x miles when booking airfare. Other valuable benefits include:

Is Capital One good for Europe?

Debit cards may come with foreign transaction, currency conversion, and ATM fees when used abroad. Capital One does not charge these fees for eligible account holders in Europe. ATM operators may charge fees regardless of account type. Using a credit card at an ATM for cash withdrawal is considered a cash advance and may come with high fees. To access credit card benefits without carrying one, use a mobile or digital wallet like PayPal, Apple Pay®, or Google Pay™. These wallets allow users to store and access credit cards, debit cards, and event tickets from various devices like smartphones, smartwatches, computers, or tablets.

What airlines does Capital One Travel work with?

Capital One offers travel rewards cards that allow cardholders to earn miles on every purchase made, which can then be used to transfer them to the loyalty programs of over 15 transfer partners. These partners include Aeromexico Club Premier, Air Canada, Aeroplan®, Cathay Pacific, Asia Miles, Avianca LifeMiles, British Airways Executive Club, Choice Privileges®, Emirates Skywards, and Etihad Guest. Cardholders can also earn Capital One miles with purchases made using travel cards like Venture and Venture X.