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18 Valuable Benefits of the New Frontier Airlines World Mastercard

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Jeff Brownson

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18 Valuable Benefits of the New Frontier Airlines World Mastercard

Table of Contents

Card basics, earning benefits, financial benefits, flight benefits, world mastercard benefits, final thoughts.

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Frontier and Barclays have worked hard to improve the value proposition of the Frontier Airlines World Mastercard, and we think they’ve done an excellent job of it.

A few years ago, they invited a few family travel writers (myself included) out to the Frontier Headquarters in Denver to talk about their plans.

To say we were surprised is an understatement! Most of us went in thinking there wasn’t much that would be of interest to our readers, but by the end of the presentations and a weekend of chatting with executives, I have to say we were wrong.

Let’s take a look at the details of the new Frontier Airlines World Mastercard, and you can decide for yourself if it’s a card you should add to your wallet.

First off, the Frontier Airlines World Mastercard is issued by Barclays Bank. You may remember them previously as Barclaycard or Barclaycard US, but they recently switched their name to match that of their other businesses.

Second, the new Frontier Airlines World Mastercard has an annual fee of $89 that is not waived the first year. This is higher than the previous version of the card, but the newly added benefits make it more than worth the additional charge.

Finally, with this card, you will earn miles in the newly refreshed myFrontier loyalty program.

restaurant meal

Generous Sign-Up Bonus

The current sign-up bonus for the Frontier Airlines World Mastercard allows you to earn 40,000 bonus miles after spending $500 on purchases and paying the annual fee in full, both within the first 90 days, and earn an additional 20,000 bonus miles after spending $2,000 on purchases within the first 6 months.

The low-level domestic awards on Frontier’s award chart are just 10,000 miles each way, so with the earnings from this bonus alone, you can fly 2 full round-trip flights within the United States.

Hot Tip: Did you book an award flight and need to cancel? We’ve got a step-by-step on how to cancel award Frontier flights . 

5X / 3X / 1X Miles Earning

The Frontier Airlines World Mastercard has a 3-tiered earning structure that is easy to remember.

Cardholders earn the following multiplies for each listed category of spending:

  • 5X miles on purchases made at frontier.com
  • 3X miles on restaurant purchases
  • 1X miles on everything else

Bottom Line: By concentrating your spending on Frontier tickets and restaurants, you can really build up your miles quickly.

Spend to Elite Status

Every dollar you spend on the Frontier Airlines World Mastercard earns you 1 Elite Qualifying Mile.

That’s right: you can earn Elite miles just by spending. You don’t even need to fly! If you do fly with Frontier, however, your balance will grow even quicker.

Once you have earned 20,000 Qualifying Miles in a calendar year, you will qualify for Frontier’s Elite20k status. This comes with benefits like free advanced seat assignment and a free carry-on bag.

Earn 50,000 Qualifying Miles through a combination of flying or spending on your card, and you will earn Elite50K status. This adds the benefits of advanced seating for your whole family (up to 8 traveling companions) and a mileage multiplier when you fly.

Finally, earn 100,000 Qualifying Miles in a calendar year and you will receive Elite100k status. With this, you receive all of the benefits of the lower levels, plus your whole family (up to 8 traveling companions) will receive the Works! package when you fly with Frontier. That package includes a free carry-on bag, a free checked bag, the best seats on the plane, no change fees, and the ability to refund your tickets.

Unlock Family Pooling

With the Frontier Airlines World Mastercard, each cardmember can add up to 8 additional contributors to their Family Pool. This will allow them to combine their myFrontier Miles to reach award redemption levels quicker.

The great thing about this benefit is that although Frontier is calling this “Family Pooling,” the members of your pool do not actually have to be in your family.

A cardmember and any 8 additional people (friends, co-workers, or actual family) can form a Family Pool.

Keep Miles From Expiring

Miles in the myFrontier program expire after 12 months without account activity.

This is relatively short compared to other loyalty programs, but the Frontier Airlines World Mastercard can make sure you won’t have to worry about that short expiration time.

Simply make a charge on your card every few months, and your myFrontier account and miles will always remain active .

Hot Tip: Need more miles? Check out these other great ways to earn more Frontier miles.

chip and pin

Chip + PIN Card

Not only does the Frontier Airlines World Mastercard have a chip for added security, but you can also set up a PIN and use the card without needing a signature.

This is one area where the United States is behind a lot of other countries. Unattended kiosks for trains, parking, or other services (in Europe especially) often require a chip + PIN card to process the transaction. Most U.S.-issued credit cards won’t work in these situations.

It’s great to see Barclays offering more and more of their cards with chip + PIN capability . It really does make travel easier.

No Foreign Transaction Fees

Wherever you are when you make a foreign transaction (whether in a foreign country or making a purchase from a foreign website), you’ll never be charged a foreign transaction fee with your Frontier Airlines World Mastercard.

Bottom Line: No foreign transaction fees and the ability to use it as a chip and PIN card makes this a great card to take with you when you travel.

$0 Fraud Liability Protection

This is becoming pretty standard on most credit cards, but it is still an important benefit.

If your card is compromised — whether physically taken or digitally faked — you will not be responsible for any charges that you did not make.

Complimentary Credit Score

Not only does this card give you the ability to check your FICO Credit Score for no additional charge, but it also will let you set up alerts so you receive a message when your credit score changes.

Staying on top of your credit is one of the best things to do if you want to be financially responsible and able to apply for more credit cards down the road.

0% Introductory APR for Balance Transfers

The Frontier Airlines World Mastercard comes with a 0% introductory APR for 15 months on any balance transfers that you make within 45 days of account opening.

This can be helpful if you have a large purchase that you need to pay off over a few months — but make sure you don’t go over the 15 months, because then your interest rate will go up dramatically.

Also, it’s important to note that balance transfers to this card incur a fee of $5 or 3% of the transfer, whichever is greater. Those fees can get pretty high for larger transfers, so make sure not to use this unless you really need it.

Frontier Plane

Waived Award Redemption Fee

Frontier is a low-cost carrier, which means they have ancillary fees for everything. This includes redeeming your miles for an award flight.

A regular myFrontier member has to pay the following award redemption fees unless they book 180+ days before the flight.

  • $15 for bookings 21-179 days before travel
  • $50 for bookings 7-20 days before travel
  • $75 for bookings <6 days before travel

Bottom Line: With the Frontier Airlines World Mastercard, all of your award redemption fees will be waived , no matter when you book your flight. That can save you a lot of money, especially if you typically book flights closer to the time of travel.

Priority Boarding

Frontier Airlines World Mastercard cardholders can enjoy priority Zone 2 boarding whenever they fly on Frontier operated flights. Get on the plane and get settled early, and you won’t have to worry about crowding at the gate.

Anniversary Flight Voucher

Each year (12-month period) that you have the Frontier Airlines World Mastercard, you can earn a $100 flight voucher on your anniversary. All you have to do to get the voucher is spend at least $2,500 on your card over the course of the year.

Several credit cards have benefits similar to this where they give you a flight voucher after a certain amount of spending, but none require as little spending as this card.

Bottom Line: Just put a few hundred dollars in purchases on your card each month, and you will get a voucher on your anniversary that is worth more than your annual fee. That makes keeping this card a pretty easy decision.

The Frontier Airlines World Mastercard also comes with a few additional benefits due to the fact that it is a World Mastercard. These benefits include the following 5 items:

  • Concierge Service
  • Travel Accident Insurance
  • Trip Cancellation Insurance
  • Baggage Delay Insurance
  • Auto Rental Collision Damage Waiver

Details of these benefits can be found in the cardmember agreement you receive along with your card after approval, but unfortunately are not available anywhere in the details of the card online or anywhere in the application.

We’ve reached out to Barclays and Frontier for details of these benefits, including limits of insurances and auto rental damage, but have not yet received a reply. As soon as we do, we will update this post with the specifics of each World Mastercard benefit.

With all of these benefits, the ability to earn Elite Qualifying Miles from spending, and the ability to share your elite benefits with your family, the Frontier Airlines World Mastercard is definitely worth considering . This is especially true if you are part of a family that regularly travels domestically.

Sure, we’ve all heard the horror stories of delays and cancellations with Frontier Airlines, but honestly, can you name one airline that you haven’t heard stories like that about?

Frontier is an Ultra Low Cost Carrier (ULCC), and if you fly with them, you should expect fees for everything extra after you buy your ticket. However, this credit card will help some of those fees go away. Earning elite status with your spending on the card will reduce the fees even more.

Frontier Airlines is rapidly expanding throughout the U.S. and in neighboring countries. They keep costs low by flying their planes for longer each day and not having extra planes sitting around that aren’t in service.

That means if a plane goes mechanical, you are going to have a lengthy delay. The flight might even get canceled if they can’t get it fixed, but you can be sure that they are doing everything they can to get you where you want to go. Frontier doesn’t want unhappy customers any more than you want to be unhappy.

If you are a bit flexible in your travel and are comfortable flying with a ULCC, then Frontier is a great option. Their ticket prices can really save you a lot and let you travel more with the same amount of spending. Keep an eye out for their regularly appearing fare sales, and you can save even more.

Finally, if you are going to fly with Frontier, you definitely want to have the Frontier Airlines World Mastercard in your wallet when you do. It will increase your earnings, decrease your fees, and make for a more pleasant travel experience overall.

The information regarding the Frontier Airlines World Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Does the frontier card charge foreign transaction fees.

No, the Frontier card does not charge foreign transaction fees.

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About Jeff Brownson

Since discovering miles and points in 2010, Jeff has traveled to over 35 countries, flying in first class, business class, and sometimes even in coach. Whether he’s staying in a hostel dorm, or in a luxury suite at a 5 star hotel, Jeff is constantly looking for the best deal to make travel as close to free as possible.

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5 Reasons the Brand New Frontier Airlines World Mastercard is Great For Families!

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Is the Frontier Airlines World Mastercard Worth Its Annual Fee?

Dan Miller

Dan Miller is a freelance writer and founder of PointsWithACrew.com, a site that helps families travel for free or cheap. He travels with his wife and six kids. His work has been featured by Business Insider, CreditCards.com and The Points Guy.

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Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

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If you’re a frequent flyer, then it can often pay to get the credit card of the airline that you fly with the most. In addition to the miles that you get from spending on the airline’s co-branded credit card, most airline cards offer perks that are especially useful to those who travel frequently with that airline.

The Frontier Airlines World Mastercard® is no different: Frequent Frontier travelers will benefit from having this card in ways that those who only occasionally travel with Frontier will not. Like many co-branded airline cards, the Frontier Airlines World Mastercard® comes with an annual fee ( $89 ), so it only makes sense to hold the card if the benefits you’ll get outweigh the cost.

Here are a few points to consider when deciding whether the Frontier Airlines World Mastercard® is worth it for you.

» Learn more: Full card review

Valuable perks of the Frontier Airlines World Mastercard®

Frontier Airlines World Mastercard®

The welcome bonus

Earn 40,000 travel miles after spending $500 on purchases and paying the annual fee in full, both within the first 90 days. Earn 20,000 travel miles after spending $2,000 on purchases within the first 6 months with the Frontier Airlines World Mastercard®. NerdWallet values Frontier miles at 1.1 cents per mile.

Award flights start at 10,000 miles for a one-way domestic ticket so this sign-up bonus can be worth several flights on its own.

$100 Frontier Airlines flight voucher

On its surface, this travel voucher would seem to more than pay for the $89 annual fee. However, the travel voucher does come with several restrictions that make it a bit harder to use.

For one, you have to meet the required $2,500 spend in net purchases within 12 months of your account start date to qualify. You must book your travel within 180 days from the date of issue, and that the voucher is only good for airfare and taxes. The voucher will load to your account within six to eight weeks of your anniversary date, and it can be earned each year that you qualify.

Keep in mind that you can’t use your voucher to pay for seat, baggage or change fees, nor on a Discount Den membership.

Earning scheme

You can earn 5 miles per dollar spent on FlyFrontier.com. You can also earn 3 miles per dollar spent at qualifying restaurant purchases, plus 1 mile per dollar spent on all other purchases.

Elite status

You can earn 1 Elite Qualifying mile for every mile flown on Frontier, as well as for every dollar spent on the Frontier Airlines World Mastercard® . The lowest level of Frontier elite status, Elite 20K, requires 20,000 Elite Qualifying miles. This level offers perks like a free seat assignment and a free carry-on bag, not to mention priority boarding.

Remember the opportunity cost of putting $20,000 on this credit card. If you instead spent that on a 2% cash-back card, you’d earn $400 in cash back, which could be more than you typically spend in a year on extra fees for Frontier flights.

» Learn more: Why Frontier elite status is the only elite status I have

Miles expiration management

Frontier Miles typically expire with 12 months of inactivity. Having the Frontier Airlines World Mastercard® provides an easy way to make sure that your miles don’t expire: Making a qualifying purchase on the card counts as activity.

Since occasional Frontier flyers will likely run into this miles expiration, this is a useful way to make sure you don’t lose your miles.

No award redemption fees

Frontier charges an award redemption fee from $15 to $75 for any award bookings within 180 days of the date of travel. Holders of the Frontier Airlines World Mastercard® have this award redemption fee waived.

No foreign transaction fees

This perk alone can save you up to 3% in pesky foreign transaction fees when you swipe your card at an international destination.

The bottom line

Who is the Frontier Airlines World Mastercard® right for? If you’re a frequent Frontier flyer, you will likely be able to get a good value from the card that exceeds its annual fee.

Even if you’re new to Frontier or don’t plan on flying the airline often, it could make sense to apply for this card to earn the sign-up bonus well in advance of your upcoming trip. Just keep in mind that there are other options that might make more sense or provide more widespread value.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

frontier mastercard travel insurance

Frontier Airlines World Mastercard from Barclays review

Frontier Airlines World Mastercard from Barclays review

Written by: Kelly Dilworth

In a Nutshell:

Despite its high APR and moderately priced annual fee, this budget airline card offers a tremendous amount of value for domestic travelers – especially if cardholders spend enough each year to qualify for the card’s $100 airline voucher.

View similar rewards credit cards

Other Notable Features: Fast track to elite status, family pooling, award redemption fee waiver, priority boarding, free FICO credit score, concierge services, airport concierge, Mastercard travel services, luxury hotel and resort upgrades and promotions, discounts and exclusive offers on luxury goods and services, car rental insurance, identity-theft protection, emergency card services

If you live in the Midwest or South and are a fan of Frontier Airlines, this humble airline’s card can be an ideal companion to help turbocharge your frequent flyer earnings and quickly earn a free flight. The Frontier Airlines World Mastercard offers one of the most generous sign-up bonuses you can get, essentially gifting cardholders with up to two free flights within the card’s first year.

The Frontier Airlines card was recently revamped, for the better. Among its new features, the card now offers a much better earning rate, no foreign transaction fee and the ability to earn qualifying miles toward elite status.

Frontier Airlines also offers a growing number of domestic flights, making it an attractive pick for frequent flyers who are primarily interested in cheap domestic travel. Just be sure to check the airline’s routes and think carefully about how often you’re likely to fly Frontier. The Denver-based airline continues to add more flights across the country, but its network of destinations is still relatively limited.

Industry-leading sign-up bonus

The biggest draw for the Frontier Airlines World Mastercard is its generous sign-up bonus, which makes traveling for free exceptionally easy in the card’s first year. Cardholders who spend just $500 in the card’s first three months get 50,000 bonus points – worth around $510. Depending on where you fly, that’s enough to buy you up to two round-trip domestic tickets.

If you’re a frequent Frontier Airlines customer and spend relatively heavily, you can wind up with several free tickets before the end of the year.

Valuable bonus for returning members

Frontier Airlines recently added a $100 flight discount voucher to the card, which is provided to loyal card members on a yearly basis. This is a very valuable bonus, since it can be applied to the cost of a regular ticket on Frontier Airlines. However, you will need to watch the expiration date very closely, because the certificate comes with a short shelf life. Card members only have 180 days from the date the certificate is issued to book their airfare.

Better than average rewards rate

The Frontier Airlines card gives you more mileage than the average airline card. You get 5 miles per dollar on purchases made through flyfrontier.com, 3 miles per dollar on restaurant purchases and 1 mile per dollar on other purchases.

Furthermore, the miles you earn may be worth a lot. Valued at over a penny and a half each, Frontier Airlines miles are worth more than the typical cards rewards card miles.

Limited – but growing – network

The Denver-based airline continues to add more destinations around the country, but its network is still relatively small compared to larger airlines. So think carefully about where you plan to fly to before signing up for the card, which has a $79 annual fee.

Apart from major coastal cities – such as Los Angeles, San Francisco and New York – the vast majority of Frontier’s destinations are in the Midwest and South. The budget airline doesn’t offer a single flight to New England and only offers flights to a select number of cities in the West. Frontier isn’t a member of any airline alliance, so you can’t transfer miles elsewhere.

Some restrictions on travel

You may also have a hard time booking rewards-funded flights on the dates you want to travel. Frontier Airlines doesn’t impose travel blackout dates, but it does restrict the number of rewards-funded seats that are available. Once you’ve purchased a ticket, though, you can change your itinerary for free as long you do so at least eight days before the flight. Frontier also lets you use miles for one-way trips, so you won’t have to wait until you have enough miles for a round-trip ticket to redeem for a free flight.

Qualify for elite status

New to the Frontier Airlines World Mastercard in 2018, card members can now earn elite status through their credit card spend. The spending requirements are fairly reasonable and status entitles you to valuable benefits, including free carry-on bags and seat assignments starting at the lowest tier (though, we would note that most airline cards automatically include such benefits, as well as free checked luggage). Here are the earning requirements for the status levels:

  • Elite20k Status: Spend $20,000 on the card in a calendar year. Perks include free carry-on bags and seat assignments.
  • Elite50k Status: Spend $50,000 on the card in a calendar year. Perks include family seating and seat assignments for up to eight traveling companions.
  • Elite100k Status: Spend $100,000 on the card in a calendar year. Perks include “the WORKS bundle” for the primary cardholder and up to eight traveling companions.

Decent travel perks

Cardholders get a handful of travel benefits through the card, including priority boarding with Frontier Airlines and a redemption fee waiver when you use your Frontier card to pay your taxes and fees for your award ticket. Unfortunately, as mentioned above, the card’s perks do not include free checked luggage – a fairly standard feature for airline credit cards.

The card does offer a few travel protections – including travel accident insurance, trip cancellation insurance, baggage delay insurance and car rental insurance. Also, very notably, the Frontier Airlines card now charges no foreign transaction fee, which will save you significantly on fees if you use the card while traveling abroad.

Very high APR

The biggest downside to the Frontier Airlines card is its surprisingly high APR, particularly for cardholders with less-than-perfect credit. Cardholders with the best credit scores are charged a minimum APR of 15.99 percent, which is around average for an airline card . However, cardholders with lower scores are charged up to 24.99 percent, which is exceptionally high for a general market credit card. The average airline card, by contrast, charges an average APR of just 16.07 percent.

To get the most out of this airline card, only use it for purchases you can afford to repay in full. But don’t forget about the card either: Miles automatically expire if you don’t use the card for a period of six months.

Why get the Frontier Airlines World Mastercard?

  • You live on a Frontier Airlines route and frequently fly to Frontier destinations.
  • You’re looking for domestic rewards-funded travel rather than free international flights.
  • You want a large sign-up bonus in the first year.
  • You want a quick route to earning elite status on Frontier Airlines.
  • You’re looking for a card for traveling internationally that doesn’t charge a foreign transaction fee.

How to use the Frontier Airlines World Mastercard:

  • To get the most out of this airline card, fly Frontier as often as possible and use the card for all airline and restaurant purchases.
  • Spend at least $500 – roughly $167 a month – in the card’s first 90 days to claim the sign-up bonus.
  • Only use the card for purchases you can pay in full each month. However, continue to use it at least once every few months. Miles automatically expire if you don’t use the card for six months.

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frontier mastercard travel insurance

Barclays and Frontier Airlines Launch Introductory Benefit for Frontier Airlines World Mastercard®: No Annual Fee for the First Year

Money.com’s “best airline card” of 2021 also offers new cardmembers 50,000 bonus miles.

DENVER (May 3, 2021 ) – Barclays and low-fare carrier Frontier Airlines today announced a first-ever introductory offer, online beginning May 4, for the Frontier Airlines World Mastercard®: no annual fee for the first year, then $79 every year after. Additionally, new cardmembers can earn 50,000 bonus miles after qualifying purchases.

The Frontier Airlines World Mastercard offer several ways to earn miles with a simple 5-3-1 earning structure. Cardmembers earn 5x FRONTIER Miles on eligible purchases at flyfrontier.com, 3x FRONTIER Miles on restaurant purchases, and 1x FRONTIER Miles on all other purchases. Cardmembers can also earn toward Elite Status with Frontier Airlines, unlock Family Pooling to share miles with up to eight family members and friends, making mileage redemption more in reach, and earn a $100 flight voucher each account anniversary after spending $2,500 during the cardmembership year.

The array of cardmember benefits offered by the Frontier Airlines World Mastercard contributed to it being awarded “Best Airline Card” of 2021 by Money.com .

“We are extremely honored to be recognized as the Money.com Best Airline Card,” said Tyri Squyres, vice president of marketing, Frontier Airlines. “We have worked very hard to establish the Frontier Airlines World Mastercard as a card that makes travel rewarding for all, with attractive benefits that cater to everyone, from the road warrior to the occasional leisure traveler, including families. And now we are enhancing the card benefits even further with an introductory no annual fee offer for the first year. Additionally, given our robust summer flight schedule, featuring a wide variety of routes to popular vacation destinations throughout the U.S., Caribbean and Latin America, this is a perfect time for summer vacation planning.”

Frontier Airlines recently announced more than 30 new nonstop routes and nearly 10 new summer 2021 destinations, including nonstop flights to the Bahamas, Caribbean, Central America, Jamaica and Mexico.

“Barclays has proudly partnered with Frontier for many years, helping develop card products that meet cardmember needs and build loyalty with Frontier’s customers,” said Bob Highland, head of U.S. cards and partnerships, Barclays. “As the world opens up for travel, we’re confident that the Frontier Airlines World Mastercard is a smart choice for anyone’s wallet as they plan their next trip.”

The Frontier Airlines World Mastercard includes the following features:

  • $0 annual fee for the first year, then $79 every year after
  • Earn 50,000 bonus miles  after spending $500 on purchases in the first 90 days
  • Earn 5x FRONTIER   Miles  on purchases made at flyfrontier.com
  • Earn 3x FRONTIER   Miles  on purchases at restaurants  
  • Earn 1x FRONTIER   Miles  on all other purchases
  • Earn Elite Status through card spend , earning one Qualifying Mile with every dollar spent on purchases
  • Unlock family pooling  to share miles with up to eight family members or friends, making mileage redemption more in reach
  • Earn a $100 flight voucher  after every account anniversary after spending $2,500 or more on purchases made with the card during the cardmembership year
  • Keep miles from expiring  by making at least one purchase every six months
  • Complimentary online access to your FICO® credit score  lets you keep an eye on your credit score and get alerts when Barclays learns your score has changed
  • Earn an award redemption fee waiver  when you book an award ticket and pay related taxes and fees, starting at $5.60 for a one-way ticket
  • Zone 2 priority boarding  is available to all cardmembers
  • Low introductory APR on balance transfers
  • No foreign transaction fees  on international purchases
  • $0 fraud liability protection  on unauthorized charges

  To learn more or apply for the Frontier Airlines World Mastercard, visit FrontierMastercard.com .

About Barclays US Consumer Bank

Barclays US Consumer Bank is a leading co-branded credit card issuer and financial services partner in the United States that creates highly customized programs to drive customer loyalty and engagement for some of the country's most successful travel, entertainment, retail and affinity institutions. The bank offers co-branded credit cards, small business credit cards, installment loans, online savings accounts, and CDs. For more information, please visit www.BarclaysUS.com .

Barclays is a British universal bank. We are diversified by business, by different types of customer and client, and geography. Our businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment bank, all of which are supported by our service company which provides technology, operations and functional services across the Group. For further information about Barclays, please visit www.barclays.com .

Frontier Airlines, Inc., a subsidiary of Frontier Group Holdings, Inc. ( NASDAQ: ULCC ), is committed to “Low Fares Done Right.” Headquartered in Denver, Colorado, the Company operates 134 A320 family aircraft and has the largest A320neo family fleet in the U.S. The use of these aircraft, along with Frontier’s high-density seating configuration and weight-saving initiatives, have contributed to Frontier’s continued ability to be the most fuel-efficient of all major U.S. carriers when measured by ASMs per fuel gallon consumed. With more than 210 new Airbus planes on order, Frontier will continue to grow to deliver on the mission of providing affordable travel across America.

Frontier

$89 Annual Fee 1

SPECIAL OFFER: EARN UP TO 60,000 TRAVEL MILES

FRONTIER Airlines World Mastercard®

EARN UP TO 60,000 TRAVEL MILES

Earn 40,000 travel miles after spending $500 on purchases and paying the annual fee in full, both within the first 90 days. 2

Earn 20,000 travel miles after spending $2,000 on purchases within the first 6 months with the Frontier Airlines World Mastercard ® . 2

Redeem for up to 2 round-trip award tickets with the FRONTIER Airlines World Mastercard ® . 2,4

on eligible purchases at flyfrontier.com 2

on eligible restaurant purchases 2

on all other purchases 2

- AND MORE REWARDS -

EARN TOWARD ELITE STATUS

by earning 1 Elite Status Point for every $1 spent on purchases 2

UNLOCK FAMILY POOLING

to share miles, making mileage redemption more in reach 2

EARN A $100 FLIGHT VOUCHER

after every account anniversary with eligible purchases 2

ENJOY MORE BENEFITS

LOW INTRODUCTORY APR ON BALANCE TRANSFERS

0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply 21.24% to 29.99% based on your creditworthiness and other factors. There is a fee for balance transfers. 1

COMPLIMENTARY FICO ® CREDIT SCORE

lets you keep an eye on your credit score and get alerts when we learn that your credit score has changed 3

NO BLACKOUT DATES, AND KEEP MILES FROM EXPIRING

Redeem miles any day with no blackouts on award travel. Make at least one purchase every 12 months to keep your unused miles from expiring account must be in good standing. 2

PRIORITY BOARDING

allows cardmembers to enjoy Zone 2 boarding 2

AWARD REDEMPTION FEE WAIVED

when you book an award ticket and use your FRONTIER Airlines World Mastercard to pay the related taxes and fees, starting from $5.60 for one-way ticket 4

NO FOREIGN TRANSACTION FEES

on international purchases 1

Frontier Airlines World Mastercard

Earn Elite Gold Status faster by spending $3K on your Frontier Airlines World Mastercard within the first 90 days of account opening and earn Elite Gold Status through 2025. 5

  Rated Best Airline Card for Budget Travel by MONEY.com.

Barclays

  • Terms & Conditions
  • Privacy Policy

Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. Other offers may be available. For complete pricing and other details, please see the Terms and Conditions .

This offer is valid for approved applicants. Any bonus associated with this offer may only be earned once. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the  Terms and Conditions  for important information.

Annual Fee is $89. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 21.24% to 29.99%, depending upon our review of your application, your credit history at account opening, and other factors. The variable APR for cash advances is 29.99%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $0.50. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 0%. See Terms and Conditions  for updated and more information about the terms of this offer, including the "About the Variable APRs on Your Account" section for the current Prime Rate information.

Conditions and limitations apply. Please refer to the Introductory Bonus Offer section of the  Terms and Conditions  for more information about the introductory offer. Please refer to the Reward Rules within the  Terms and Conditions  for additional information about the rewards program.

FICO ® Score Access: FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Barclays offers FICO ® Score access at its sole discretion. Not all accounts will have a FICO ® Score available. FICO ® Score access is not a permanent feature of your account and may be removed at any time. To view your FICO ® Score, your account with us must be open, active (having activity within the past 150 days) and in good standing.

Award Travel: Round trip award travel may be booked once a minimum of twenty thousand (20,000) miles have been earned and deposited into member's myFRONTIER account. Award tickets on Frontier flights are subject to availability and capacity controls. Subject to taxes and fees starting from $11.20 for a round trip ticket. Please visit flyfrontier.com or call 801-401-9000 for full details on award tickets.

You will earn Elite Gold Status after spending three thousand dollars ($3,000) on purchases, less credits, returns and adjustments ("Net Purchases") with transaction dates in the first 90 days of new account opening. Elite Gold Status will be awarded after the 90 day period has ended and will be good for the remainder of the calendar year, plus through the end of 2025. Failure to maintain your creditworthiness during the offer period may result in actions on your account, such as a credit line decrease, that would reduce your ability to take advantage of this offer. To receive the Elite Gold Status, your account must be open, active and in good standing at the time of fulfillment.

The FRONTIER Airlines World Mastercard is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard, World Elite Mastercard, and the circles design are trademarks of Mastercard International Incorporated.

© 2024 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC.

Perks on Frontier with an increased sign-up bonus: Frontier Airlines World Mastercard review

Stella Shon

Update : Some offers mentioned below are no longer available. View the current offers here .

Frontier Airlines World Mastercard Overview

The Frontier Airlines World Mastercard® is likely not the most rewarding credit card out there, but it does offer some potentially valuable perks for frequent Frontier flyers. While this makes it a good secondary card for Frontier fliers, we would generally recommend having a more well-rounded travel card in addition to this one. Card Rating*: ⭐⭐⭐

*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

With a low-cost carrier like Frontier Airlines, the à-la-carte booking option can be a great way for travelers to save a ton of money on flights.

For an $89 annual fee, the ability to pool your Frontier miles with other family members, receive priority boarding and earn credit toward elite status all make this card worth considering.

And the standard sign-up bonus on the card just got a boost to make it even more appealing to Frontier travelers.

Let's analyze the welcome offer, rewards rate and other ongoing factors of this card to see if the Frontier Airlines World Mastercard is the best match for you.

New to The Points Guy? Sign up for our daily newsletter and check out our beginner's guide .

The information for the Frontier card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Who is this card for?

frontier mastercard travel insurance

If Frontier Airlines is your airline of choice, the Frontier Airlines World Mastercard makes your miles more flexible, helps you avoid award booking fees and even gives you elite qualifying miles for your purchases.

Unfortunately, it doesn't do much to help improve your travel experience. While you'll get priority boarding, the card doesn't automatically give you any of the other benefits we usually see on airline cards, such as a free checked bag or discounts on inflight purchases.

Therefore, you may want to consider a general travel card that can help you earn and redeem rewards on a variety of airlines.

Welcome offer

frontier mastercard travel insurance

New applicants of the Frontier Airlines World Mastercard will earn 50,000 bonus miles and a $100 flight voucher after you spend $500 on purchases and pay the $89 annual fee in the first 90 days of account opening.

One-way flights on Frontier start at 10,000 miles, so you can potentially book up to two round-trip award tickets with the welcome bonus and still have some miles left over.

This is the best-ever welcome offer we've ever seen on the card, since the $100 voucher isn't usually part of the deal. Based on TPG's most recent valuations , Frontier miles are worth 1.1 cents each, making this collective bonus is worth $650.

Main benefits and perks

frontier mastercard travel insurance

The Frontier World Mastercard offers some unusual and potentially valuable perks for frequent flyers of the airline.

Family pooling

First, cardholders can pool their miles with up to eight other Frontier Miles accounts. Although Frontier calls this feature "Family Pooling," they advertise that you can pool miles with "whoever you consider family," which can include friends, coworkers and roommates. There are no minimums or caps on the number of miles you can transfer through this program.

Award redemption fee waiver

When booking award tickets on Frontier, you can avoid award booking fees by paying for your ticket with this card. These award fees tend to range from $15 to $75 depending on how close in you book before departure.

Since cash tickets are often quite cheap even close to departure, avoiding these fees with the card can be a significant boost to the value of your miles.

Earn elite status faster

The card also accelerates your progress towards Frontier elite status . In theory, you could reach top-tier status without ever setting foot on a Frontier flight. That's because you earn 1 qualifying mile for every dollar you spend on the card.

The airline has three levels of elite status – helpfully named Elite 20K, Elite 50K, and Elite 100K after the number of qualifying miles you'll need to earn that status.

While the benefits of Frontier status certainly aren't worth putting tens of thousands of dollars in spending on the card for most people, if you fly enough to get close to the next status level, it's nice to have the option to push your account over the edge by making some purchases.

This is particularly true of the top-tier Elite 100K status, which gets you Frontier's "The Works" package on flights for yourself and up to eight traveling companions – including seat assignments, checked and carry-on bags, priority boarding and the ability to change or cancel tickets with no penalty.

Other perks worth considering

Finally, the card also offers Zone 2 priority boarding, a $100 flight voucher if you spend $2,500 on the card within your card anniversary year and no foreign transaction fees .

How to earn

frontier mastercard travel insurance

With this card, you'll earn 5 Frontier miles for every dollar spent directly with Frontier (including airfare, fees, and onboard purchases), 3 miles per dollar spent at restaurants and 1 mile per dollar spent everywhere else.

These rates are decent, but unless you're trying to earn elite status or avoid award ticket fees, other cards offer significantly more valuable rewards for both airline and dining purchases.

Related: The best credit cards to use on low-cost carriers

How to redeem

frontier mastercard travel insurance

When it comes to redeeming your miles, the Frontier award chart is pretty straightforward. The lowest-cost Value awards are 10,000 miles within the U.S. and 15,000 miles for international flights. Standard awards, which have wider availability, will cost you 20,000 miles within the U.S. and 25,000 miles internationally.

If you have elite status, you can pay a few more miles to avoid capacity controls entirely. For an extra 2,500 miles on top of the Standard award price, you can book a Last Seat award as long as there's a seat available for sale on the flight you want.

Keep in mind that you'll have to pay taxes and fees on these tickets; however, the aforementioned award booking fee of $15-$75 per ticket is waived as long as you use your Frontier World Mastercard to pay for the taxes and fees.

Little-known facts about the Frontier Airlines World Mastercard

(Image by The Points Guy)

It helps keep your Frontier Miles from expiring

Frontier Miles expire after just six months of inactivity in your account. While carrying the Frontier World Mastercard doesn't change that, it's much easier to avoid expiration by making a purchase on the card than by flying somewhere.

Waived award fees apply to travel companions

If you're using miles to book flights for others, the award booking fee will be waived for everyone on the reservation as long as you're one of the travelers.

You can get the card the day after your application is approved

If you select the $15 Express Delivery option when applying for the card, then you'll receive it via FedEx the following business day as long as your application is received before 3:00 p.m. Eastern Time. (This only applies to primary cardholders; if you add an authorized user, that card will be sent by regular postal mail.)

You can add authorized users for free

Unfortunately, all of the card's benefits like priority boarding and waived award fees only apply to the primary cardholder, not authorized users. But adding a family member as an authorized user can help you rack up spending towards elite status faster and might even give the family member's credit score a boost .

It gets you free two-day shipping and other perks

Since the Frontier card is a World Mastercard, you'll enjoy exclusive perks such as a free ShopRunner membership (for two-day shipping at over 140 online stores) and a $5 Lyft credit after you take three Lyft rides in a month.

Bottom line

The Frontier World Mastercard doesn't make sense for most people, but if you're a frequent Frontier flyer, the added value of this card brings family pooling, award booking fee waivers and elite qualifying miles — which can all be worth far more than the annual fee.

With Frontier's route network stretching to the Caribbean and Central America, this card may be a great companion for your upcoming travels, coupled with this best-ever welcome offer.

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Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval, also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

frontier mastercard travel insurance

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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money and how we rate our cards . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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Bottom line

Frequent Frontier Airlines flyers looking for a low-cost way to earn rewards and reach elite status can squeeze a lot of value out of this card.

Image of Frontier Airlines World Mastercard&reg;

Frontier Airlines World Mastercard®

*The information about the Frontier Airlines World Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

60,000 Travel Miles

Intro offer

Earn up to 60,000 Travel Miles after qualifying account activity

Offer valuation

Offer valuation is not available for this credit card.

Rewards rate

5x on Frontier Airlines Purchases. 3x on Restaurant Purchases. 1x on all other Purchases.

21.24% to 29.99% (Variable)

Regular APR

On This Page

  • Pros and cons
  • Card offer details
  • Key cardholder perks
  • Understanding the fees
  • Frontier Airlines World Mastercard vs. other travel rewards cards
  • Is this card worth getting?

Frontier Airlines World Mastercard Overview

The Frontier Airlines World Mastercard is worth a look if you enjoy low-cost travel. It offers a generous rewards rate on Frontier flights and restaurant purchases and comes with a number of valuable perks, including a welcome offer that could be worth up to two round-trip flights. You also get a chance to earn elite status faster and a $100 flight voucher each year after your anniversary once you spend $2,500.

The Frontier Airlines card comes with an intro annual fee of $0, but after the first year, you’ll pay an $89 annual fee. If you’re a loyal and frequent flyer on Frontier Airlines and care mostly about getting from point A to point B at a bare minimum price, the cost might be worth it. But even if you’re a budget traveler who doesn’t care about flying first class , you may want to keep your options open.

Since Frontier Airlines is an ultra low-cost carrier, the price you pay for a ticket pretty much only buys you a seat. You’ll pay extra for anything else, including carry-on bags and checked bags. Other airlines do not charge you for one or two carry-on bags, and some co-branded airline cards cover the cost of one free checked bag for you and your passengers, which could add up to big savings. Depending on how you travel, booking with a different airline and airline card (or even a general-purpose travel rewards card ) could provide better value.

What are the pros and cons?

High rewards rate on flights and dining out make it easier to quickly rack up rewards compared to other airline cards

Offers a chance to earn a welcome bonus similar to bonuses available on other top low-cost airline cards

You can earn a $100 flight voucher each year after spending $2,500, which can help offset the annual fee

Comes with decent airline perks like priority boarding and chance to reach elite status faster

Limited redemption options compared to travel cards that let you transfer your points and miles to airline partners

Points expire if you don’t use your card once every six months. Other airline cards offer rewards that don’t expire as long as your account remains open and in good standing

Missing several top airline perks like free checked bags and in-flight discounts. Some other budget airline cards give you a 25 to 50 percent discount on in-flight purchases

A deeper look into the current card offer

Quick highlights.

  • Rewards rate : 5X miles on Frontier purchases, 3X miles at restaurants and 1X miles on everything else.
  • Limited-time welcome offer : Get 50,000 miles after you spend $1,000 on purchases within 90 days
  • Annual fee : $0 intro annual fee, $89 after intro period
  • Purchase intro APR : None
  • Balance transfer intro APR : 0 percent for 15 billing cycles
  • Regular APR : 18.24 percent, 22.24 percent or 27.24 percent variable

Current welcome offer

The Frontier Airlines card is currently offering 50,000 bonus miles after you spend $1,000 on purchases within 90 days of opening your account. Since Frontier award flights start at 10,000 miles, this welcome offer could get you one or even two round-trip flights.

This is a nice offer for a budget airline, in the similar neighborhood as the sign-up bonuses found with the best Southwest Airlines credit cards and the JetBlue Plus card.

The Frontier Airlines card allows you to earn Frontier miles on Frontier flights, dining and everyday spending. Frontier also has partnerships with car rental agencies, hotels, and even cruise lines, which will give you plenty of new opportunities to rack up additional bonus miles.

However, you’ll have to make a purchase with your card at least once every six months to keep your miles from expiring . Most other airline cards earn points that never expire. For example, with the Southwest lineup of cards and the JetBlue Plus Card , your points won’t expire as long as your account remains open and in good standing.

Earning rewards

As a cardholder, you’ll earn 5X miles on Frontier purchases, 3X miles on dining and 1X miles on everything else. That’s an impressive rate compared to many other cards offered by low-cost airlines. Most competing cards only earn 2X or 3X miles on flights.

For example, the Southwest Rapid Rewards® Premier Credit Card has more bonus rewards categories but only offers 3X points on Southwest purchases and 2X points in a variety of other bonus categories like local transit and commuting (including ride shares), internet, cable, and phone services (plus select streaming)

On top of this, you can also earn bonus miles when you use your card at select brands that have partnered with Frontier Airlines . These partnerships could also come with discounts. For example, when you use your Frontier card to rent a car through Budget Rent a Car, you can earn up to 1,000 bonus miles and get up to 30 percent off the cost of the rental car .

With the Frontier Airlines card, your purchases also get you closer to earning elite status. For every dollar you spend, you’ll get 1 Qualifying Mile. The first tier of elite status starts at just 20,000 qualifying miles and offers benefits like seat choice and family pooling, which allows you to combine miles with friends and family to make redemption easier.

Redeeming rewards

Your Frontier Miles can be redeemed for award tickets, starting at 10,000 miles for a one-way domestic flight when traveling in the U.S. or Puerto Rico. You can also redeem for magazines, but it would take anywhere from 500 to 3,600 miles to get a magazine subscription, which won’t give you the best value for your miles.

Frontier Airlines doesn’t have any partner airlines you can transfer your miles to, which limits your redemption options. The best travel credit cards let you transfer your points or miles to other airlines, where your rewards may be worth more. The Frontier Airlines card does let you transfer your points to select hotel loyalty programs, but your points transfer at a very unfavorable ratio, as listed here:

  • Marriott Bonvoy: 3:1 ratio
  • Radisson Rewards: 10:1 ratio
  • Wyndham Rewards: 5:1 ratio

As you can see, you’ll need to trade 3 to 10 Frontier Miles for a single point with one of these hotel loyalty programs. That’s a major dilution of your rewards value.

Instead, a better choice may be a general-purpose travel card like the Chase Sapphire Preferred® Card . Its $95 annual fee and bonus categories are comparable to the Frontier Airlines card’s, but your points are more flexible and have a higher potential value. You can redeem for travel through the Chase Travel℠  portal at a value of 1.25 cents apiece or transfer points to over a dozen airline and hotel partners, including budget airlines like Southwest and JetBlue.

Other cardholder perks

The chance to earn rewards isn’t the only perk you’ll get with your Frontier Airlines credit card — you’ll also receive priority boarding, free access to your credit score and more.

Priority boarding

As a cardholder, you’ll get free Zone 2 boarding on Frontier Airlines so you can get on board and settled in sooner, which can help you get your luggage stowed before overhead space fills up.

$100 flight voucher

If you spend $2,500 or more in a year, you’ll get a free $100 flight voucher on your account anniversary. This is a nice perk for a budget airline and could cover the card’s annual fee on its own. Many top airlines offer a similar yearly flight voucher, but most require you to spend $5,000 to $10,000 before you can earn this perk.

Award redemption fee waiver

If you book a Frontier flight with your rewards, you won’t have to pay an award fee as long as you use your card to cover any additional taxes and fees. Depending on when you book your travel, this perk could save you up to $75.

Barclays gives you complimentary access to your FICO score and sends you an alert whenever it changes so you can keep an eye on your credit.

Rates and fees

The Frontier Airlines Mastercard has an intro annual fee of $0 for the first year, then $89. This fee is slightly lower than the fee you’ll find on many mid-tier travel cards, and given the card’s $100 annual flight voucher perk and high rewards rates, it shouldn’t be difficult to offset.

Along with waiving your annual fee in the first year, the card comes with a 0 percent intro APR for 15 months on balance transfers made within 45 days of account opening (then the ongoing variable rate of 18.24 percent, 22.24 percent or 27.24 percent applies), which is a benefit missing from most airline and travel cards.

The card’s regular APR of 18.24 percent, 22.24 percent or 27.24 percent variable is fairly typical for a rewards card but higher than the national average credit card interest rate . If you’re unable to pay your balances off quickly, the interest charges along with the annual fee after the first year will cut into the rewards you earn.

How the Frontier Airlines World Mastercard compares to other travel rewards cards

Frequent flyers on Frontier Airlines will get the best value with this card. But there are other options out there for budget travelers looking for low cost ways to travel. Here’s a look at two travel rewards cards: One from a budget airline and the other a versatile general-purpose travel card.

Image of Frontier Airlines World Mastercard&reg;

Recommended Credit Score

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Image of Southwest Rapid Rewards&#174; Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 3X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

Image of Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

Frontier Airlines World Mastercard vs. Southwest Rapid Rewards® Premier Credit Card

Southwest Airlines ranks as one of the best low-cost carriers, and with the Southwest Rapid Rewards Premier Credit Card , you may be able to bring down the cost of travel even further.

The Frontier Airlines card and the Southwest Premier card each carry a generous sign-up bonus that gives them great short-term value, but the Frontier Card can’t match the Southwest Premier card’s long-term value. Every year with the Southwest card, you automatically get 6,000 bonus miles and two EarlyBird check-ins. The card also makes it easier to earn A-list status and the Southwest Companion Pass . Combine all that with Southwest’s larger fleet and policy that allows two free checked bags per passenger, and the Southwest Rapid Rewards Premier card may be a better pick for low-budget travel.

Frontier Airlines World Mastercard vs. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card has a slightly higher annual fee and regular APR compared to the Frontier Airlines card. It also doesn’t offer an interest-free period on balance transfers. But as a general-purpose travel card, it should give you greater flexibility. It offers 2X miles on all purchases, so you’ll be able to earn bonus rewards on everything, including flights that aren’t booked through Frontier. It also allows you to redeem your rewards for flights on any airline and transfer your points to more than 15 partner airlines and hotels, potentially at a higher rewards value. And ever since partnering with Hopper, the Capital One Travel portal comes with a range of intuitive features that could help you find the lowest prices on flights and hotels.

Best cards to pair with the Frontier Airlines World Mastercard

Since the Frontier Airlines Mastercard doesn’t earn bonus rewards in many categories, you may want to pair it with a cash back card that rakes in bonus rewards in categories that fit your everyday spending. For example, the Blue Cash Everyday® Card from American Express is one of the best rewards cards for everyday spending, offering bonus rewards for U.S. supermarkets, U.S. online retail purchases and at U.S. gas stations. Plus, if you need to avoid interest charges for a limited time to help pay off new expenses or old debt, the Blue Cash Everyday Card comes with an intro APR offer on both purchases and balance transfers.

Bankrate’s take—Is the Frontier Airlines World Mastercard worth it?

The Frontier Airlines World Mastercard is a solid choice for avid Frontier flyers, especially if you can take advantage of perks like the yearly flight discount, account pooling and path to elite status. These features not only help offset the annual fee, but also add a lot of convenience and cost saving to your travel.

But if you don’t fly Frontier Airlines often, this credit card may not be worth it. It offers a high rewards rate on Frontier flights, but travel booked through other airlines will get you just 1X miles. Plus, Frontier doesn’t have any partner airlines you can transfer your miles to, so it lacks the versatility you’ll find on other travel cards.

*The information about the Frontier Airlines World Mastercard® credit card and the Southwest Rapid Rewards® Premier Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.   

frontier mastercard travel insurance

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Frontier airlines world mastercard ® review [2024]: big miles, small fee.

Matt Miczulski

This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies .

Traveling for free is ideal for anyone looking to see the world. And going with a no-frills flight experience like Frontier Airlines can help you accomplish your travel goals for even less. But even on a budget airline like Frontier, the prices can sometimes skyrocket, which can be frustrating.

But where there is a problem, there can be a solution — and that solution is to book your flights using credit card points or miles . In this Frontier Airlines World MasterCard ® review, we’ll go over all the details of this credit card and how you can use it to fly for free on Frontier Airlines.

Easy-to-earn welcome bonus

Frontier airlines world mastercard ®.

Frontier Airlines World MasterCard®

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Current Offer

Earn 40,000 bonus miles after spending $500 in the first 90 days and paying the annual fee and earn another 20,000 travel miles after spending $2,000 on purchases within the first 6 months

Rewards Rate

  • 5X miles on purchases on Flyfrontier.com, 3X miles on restaurant purchases, and 1X miles on all other purchases
  • Introductory APR on balance transfers
  • 5X miles on Flyfrontier.com purchases
  • Potential to earn annual $100 flight voucher
  • No foreign transaction fees
  • Has annual fee
  • Does not have free checked bag benefit
  • Intro balance transfer 0% APR offer: 0% for 15 billing cycles (on balance transfers that post within 45 days of account opening) then 21.24% to 29.99% (variable)

Who should get the Frontier Airlines World Mastercard?

Card basics, frontier airlines world mastercard benefits and perks, drawbacks to the frontier airlines world mastercard, earning & redeeming frontier miles, frontier airlines world mastercard faqs, other cards to consider.

The Frontier Airlines World Mastercard can be great for families due to the “family pooling” feature. With this feature, you can create a group of up to eight people who are allowed to exchange and share Frontier Airlines miles with no additional fees. All the group members must be Frontier Miles members, but you get to decide who makes up your “family” of eight. These people can be friends, coworkers, roommates; you name it.

In addition, this card is one of the best airline credit cards for people who live near airports that offer a decent amount of Frontier flights. Frontier Airlines currently operates in 81 airports around the U.S. and six internationally. Their hub is in Denver, with focus cities in Atlanta, Chicago, Cleveland, Las Vegas, Miami, Orlando, Philadelphia, Tampa, and Trenton. If you're based in any of these cities, this card could be a great choice.

Lastly, this travel card is optimal for someone who doesn’t mind flying with a low-cost carrier. It is widely known that while low-cost airlines offer low fares, their fees for bags, assigned seats, and other things can end up high. So if you aren’t particular about where you sit and travel light (or you are okay with paying those additional fees), this airline and credit card can serve you well.

  • Generous welcome offer : If you are approved for the Frontier Airlines World Mastercard, you will be able to earn 40,000 bonus miles after spending $500 in the first 90 days and paying the annual fee and earn another 20,000 travel miles after spending $2,000 on purchases within the first 6 months. Depending on when and where you travel, the 40,000 miles could be worth a round-trip flight.
  • Flight voucher : You can unlock a $100 flight voucher every account anniversary after spending $2,500 or more on purchases with your card during your cardmembership year. However, the voucher expires 180 days after it is issued, so you’ll need to stay on top of using it to cash in on this benefit.
  • Priority boarding : To ensure you have extra time to get comfortable and find room for your carry-on bags, cardholders are granted Zone 2 boarding when flying Frontier. Zone 2 passengers board after military passengers, elite status members, passengers with disabilities, passengers with children under the age of 5, and Zone 1 passengers — but before everybody else.
  • Award redemption fee waiver : When you book an award flight with Frontier Miles, you could potentially incur up to a $75 redemption fee. But when you use the Frontier Airlines World Mastercard to pay the normal taxes and fees associated with this award ticket, you can get the redemption fee waived.
  • Earn toward Elite Status: Earn one qualifying mile with every $1 spent on purchases or by flying Frontier.
  • No foreign transaction fees : If you are outside of the United States, you will not incur any foreign transaction fees on your purchases. This makes this card a good fit for global travelers.
  • Credit score access:  This card offers complimentary access to your FICO® credit score.
  • Limited rewards flexibility: If you aren’t loyal to Frontier, this card won’t make sense for you. If you don’t want to be locked into one airline, a general travel credit card like the Chase Sapphire Preferred ® Card may be more fitting for your lifestyle.
  • Balance transfer fee: This card has a balance transfer fee of $5 or 5%, whichever is greater.
  • Miles expire:  If your account has no activity for 180 consecutive days, you will lose your miles. It's possible to get them reinstated for a fee, which varies based on how many miles you lost.

Potential earnings in years one and two

Here's a look at how your points can add up with the Frontier Airlines World Mastercard rewards program. To calculate these values, we used a point valuation of 1.1 cents apiece.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $908.70

Year two earnings: $358.70

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model , which takes a look at points earned via spending, the welcome bonus, and the annual fee.

Note that these values account for general travel spending online, not Flyfrontier.com purchases. If you're a loyal Frontier customer and you use your card to book your flights, you're likely to see a much larger return on your spending. 

Best ways to earn

If you plan on regularly flying with Frontier Airlines, the best way to earn miles is to use the Frontier Airlines World Mastercard for your spending. When you make Flyfrontier.com purchases, you will earn 5X per dollar. You will earn Frontier miles on all purchases made by any authorized users on your account as well.

Additionally, you can take advantage of Frontier’s Family Pooling program. With this, you can join a group of up to eight people total to exchange and share Frontier Airlines miles with no fees attached.

Maximizing your redemptions

Frontier Airlines works on a static award chart when it comes to how much your flight will be when you’re paying in miles. This means, unlike some other airlines, the number of miles it takes to book a flight stays the same despite the time of year or popularity of a route. This is a great advantage to you, the traveler, as you will always know exactly how many miles you need to save up to book a particular flight.

Frontier Airlines World Mastercard partners

Frontier has 16 partners that allow you to earn and use your miles. None are airline partners, but there are still opportunities to earn and spend Frontier miles. They include:

Is the Frontier Airlines World Mastercard worth it?

The Frontier Airlines World Mastercard is worth it if you fly Frontier even only a few times per year and do not mind flying on a budget airline. Additionally, you’ll want to make sure you can take advantage of the card’s benefits to offset the annual fee. Living near an airport serviced by Frontier might make it even more appealing of a card as well.

Is Frontier Airlines part of Star Alliance?

No, Frontier is not part of any airline alliances like Oneworld or Star Alliance. This means miles earned aren’t transferable or usable for booking across a number of airlines like Delta or Alaska airlines, but the airline has 16 partners that can help you earn miles.

Do you get free bags with the Frontier Airlines credit card?

No, you do not get free bags with the Frontier Airlines credit card. However, there are other ways to get your Frontier baggage fees waived. If you like to fly low-cost airlines and are interested in a travel rewards credit card that comes with free checked bags, consider a different airline and credit card, like Southwest and the Southwest Rapid Rewards ® Plus Credit Card . Learn more about how Frontier baggage fees work.

Do Frontier Miles expire?

If your account has no accrual activity for 180 consecutive days, you will lose your miles. However, you can get them reinstated for a fee. The fee varies based on how many miles you lost.

Can I give my Frontier Miles to someone else?

Yes, you can give your Frontier Miles to someone else. Frontier Airlines has a unique program called “family pooling.” You can create a “family” consisting of up to eight people to share your Frontier miles; these people don’t have to actually be related. Then, you can gift your miles to someone else within this group. Whether they need 100 miles or 100,000, there is no limit to what you can give others within your “family,” and there are no fees attached.

If the Frontier Airlines World Mastercard does not fit your needs, there are other good credit cards to consider.

If you like the idea of flying economically on budget airlines, the Southwest Rapid Rewards ® Plus Credit Card might be a good fit for you. Southwest is famous for its outstanding customer service and baggage policy, so this card may be a better investment than the Frontier Airlines World Mastercard. With this card, you can earn 2X points on Southwest purchases and Rapid Rewards hotel and car rental partners; on local transit and commuting, including rideshare; and on internet, cable, phone services, and select streaming; plus 1X points on all other purchases. Once you are approved, the welcome bonus offers you a chance to earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

If being loyal to one airline does not fit your travel habits, the Capital One Venture Rewards Credit Card is a great choice. With this card, you can earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening. In addition, you will earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25. The Capital One miles you earn can be used for hotels, flights, gift cards, and more.

Why We Like It

See how these cards compare:.

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

  • Solid rewards rate
  • Redeem points for flights, gift cards, and more
  • 3,000 bonus points after cardmember anniversary
  • 2 EarlyBird Check-Ins® per year

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

  • Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening
  • 2 miles per dollar on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck® credit
  • 19.99% - 29.99% (variable) purchase APR
  • Rates and fees

Author Details

Matt Miczulski

  • Introduction to credit card travel insurance and standalone travel insurance
  • What are credit card travel protections?
  • What is travel insurance?
  • Credit card travel protection vs. standalone travel insurance
  • Frequently asked questions

Credit Card Travel Insurance vs Travel Insurance: A Comparative Guide

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

  • Travel insurance and some credit cards can protect you from financial loss while traveling.
  • Travel insurance offers more comprehensive coverage that includes emergency medical expenses.
  • Credit card travel protection has more gaps but comes at no additional cost for cardholders.

Anything can happen while traveling. Flight delays, lost luggage, or even unexpected injury or illness can interrupt your vacation. When these things occur, travel insurance or the travel protections included with your premium credit card may be able to help, providing medical coverage, offsetting your financial losses, or even reimbursing you fully.

But do you need both travel insurance and credit card travel protections? Here are details on both and tips for deciding what the best travel insurance is for you.

Introduction to credit card travel insurance and stand-alone travel insurance

Many credit cards offer travel protections that can help you in certain unexpected travel situations. But they aren't exactly the same as a separate travel insurance policy.

Here's how the two differ at a high level:

  • Travel insurance:  Travel insurance is coverage that you purchase for a single trip or multiple trips in a year. It typically covers the costs associated with trip cancellation, trip delays, medical emergencies, and other unforeseen events that may occur while traveling.
  • Credit card travel protections:  These are benefits automatically included with certain consumer credit cards. They often provide coverage for delays, lost baggage, rental car collisions, and other events during travel. Credit cards sometimes advertise these protections as a type of travel insurance, though they're not a separate insurance policy.

Generally speaking, designated travel insurance is more exhaustive than the protections offered by a credit card. Still, it's worth it to compare both options, particularly if you're taking an expensive trip. 

"It is always wise to check your credit card protection against a travel insurance plan," says Carol Mueller, a vice president at Berkshire Hathaway Travel Protection . "Credit card protection may not include the full, bundled, comprehensive coverage a travel insurance plan would."

What is credit card travel insurance ?

Many premium credit cards offer travel protections to cardholders, but the exact coverages depend on the credit card. Typically, only trips booked with that card qualify for coverage.

"Credit card travel insurance has one big advantage that interests travelers: it's usually free or included in the card's annual fee," says Daniel Durazo, director of external communications at Allianz Travel Insurance , a travel insurance provider. "Credit cards' travel benefits can be useful for smaller things, like travel delays or lost bags, but only travel insurance provides reliable protection in real emergencies, like expensive medical emergencies such as hospital visits and evacuations."

In some cases, however, a credit card may cover catastrophic accidents. The Chase Sapphire Reserve, for example, offers up to $1,000,000 worth of coverage for an accident that causes loss of life, speech, hearing, or use of a hand, among other life-altering injuries.

Additionally, credit card coverage limits tend to be much lower. The Chase Sapphire Reserve® offers up to $20,000 per trip in cancellation coverage, while a basic travel insurance plan from Travel Guard offers five times as much coverage.

Pros and cons of credit card travel protection

What is stand-alone travel insurance .

Travel insurance protects you from financial losses related to travel. "There are three main areas of coverage: protecting yourself, protecting your personal items, and protecting your investment," says Christina Tunnah, general manager of Americas and global marketing at World Nomads Travel Insurance , a travel insurance and safety services provider.

Travel insurance works much like any other insurance policy. When a covered event occurs, like your trip is canceled or you're hurt while traveling, you file a claim with your insurer. If accepted, the company reimburses you for the costs up to your coverage limits.

"Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of Lugos Travel, a travel advisory. "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

Travel insurance customers typically have 90 days to file their claim. But once the event occurs, there's no waiting period, meaning travelers should file as soon as possible.

A major factor when filing a successful claim is proof of financial loss. You can use something as simple as a medical clinic receipt or a doctor's medical statement. Once the claim has been reviewed and approved, your insurer will reimburse you via check. Some modern travel insurance companies offer immediate payment via a debit card mailed to travelers before their trip.

Travel insurance providers go beyond your standard credit card or airline coverage. You can buy policies that cover sports equipment, medical, and other coverages. You can also buy Cancel for Any Reason insurance, which covers trip cancellations regardless of the reason. The best CFAR insurance can cover 100% of your costs, but many only cover a percentage. 

Buyers can also price out annual travel insurance plans , which cover all of your trips within a 12-month period. Meghan Walch, director of the InsureMyTrip website, estimates a 4% and 10% travel insurance cost based on your total prepaid, nonrefundable trip costs. If you're buying an annual policy, this figure will change.

Pros and cons of stand-alone travel insurance

Credit card travel protection vs. stand-alone travel insurance.

Deciding between stand-alone travel insurance and credit card travel protection can be difficult. That said, it's worth mentioning that these choices aren't mutually exclusive. Even if you have a credit card that provides travel protection, you can still opt for additional coverage with a stand-alone travel insurance policy.

Cost considerations

The obvious difference between credit card insurance and a stand-alone policy is the cost. While credit card insurance is usually included in the cost of the card, traditional travel insurance is an additional expense, usually between 5% to 6% of the trip's worth, though rates can range from 4% to 12%.

However, travel insurance may pay for itself, covering emergency medical expenses and evacuation."Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of travel advisory company Lugos Travel. "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

On the other hand, credit card travel protections don't come at any additional costs. However, many of the best travel credit cards come with annual fees. Additionally, a credit card's travel protection only applies to trips you book with that credit card. If you don't pay off the credit card immediately, you'll pay interest on your trip. 

If you don't already have a credit card with travel insurance included, you'll also have to determine if the coverage is worth applying for a new credit card.

Comparing coverage and benefits

In most instances, traditional travel insurance policies will have more comprehensive coverage than credit card travel insurance. They'll cover more reasons for trip cancellation, and some may cover cancellations for no reason. They'll also cover medical emergencies, while credit card travel protections don't.

"Some travel insurance policies also provide epidemic coverage endorsements, which provide coverage to customers who become ill with COVID-19 or a future epidemic, are individually ordered to quarantine, or are denied boarding due to a suspected illness," says Durazo.

Separate travel insurance policies also tend to offer more robust cancellation coverage. Credit card protections often cap reimbursement at just $10,000 a trip, while travel insurance usually goes up to $100,000. Most credit cards will only cover trips purchased with the card or reward points.

Situations best suited for each

Both travel insurance and credit card protections can prove helpful if your trip is canceled or you experience some other loss while traveling, but the right choice will depend on the specifics of your exact trip and budget. "Every trip is different, and every traveler has different needs and concerns," Walch says. 

For example, travelers with more health concerns may opt for stand-alone travel insurance. Longer, more expensive, and international trips may also warrant greater coverage that credit card travel insurance can't provide. Additionally, it may be a good idea to insure trips to high-risk areas, either politically unstable regions or areas with inclement weather.

On the other hand, Walch says, "For a short trip to a family member's house in the US, the travel insurance offered through the credit card may suffice."

Credit card travel insurance comparison frequently asked questions

Credit card travel insurance may offer basic coverage for international trips, but it often lacks comprehensive medical coverage.

Yes, you can use both for the same trip. Stand-alone policies can supplement areas where credit card insurance is limited, such as medical coverage.

Most credit card travel insurance does not cover pre-existing medical conditions. Many stand-alone policies don't cover pre-existing conditions, but you may find some coverage with certain stipulations.

Credit card travel insurance is usually automatically activated when you pay for a trip using that card. However, it's important to read the card's policy for specific activation requirements.

While credit card travel insurance can be more cost-effective since it's a benefit of the card, it may not provide as comprehensive coverage as a stand-alone policy. In the long run, you may end up losing money if you solely rely on credit card travel insurance.

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Nomadic Matt: Travel Cheaper, Longer, Better

The Best Credit Cards for Travel Insurance

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.

I talk a lot about travel insurance on this website . I know it’s not an exciting topic, but it’s the one thing I won’t leave home without.

Travel insurance has saved me — and my readers — time and time again. I’ve had my gear broken and stolen, missed flights, needed doctor’s appointments, and even needed urgent medical care abroad.

I’ve learned the hard way how vital it is — especially as a budget traveler.

Fortunately, these days, many credit cards come with travel insurance. And while I always recommend that you get comprehensive travel insurance in addition, there are a number of cards out that offer pretty robust protection at no additional cost.

If you’re thinking about getting a new credit card, or if you want to know which of your current ones you can rely on for decent insurance, here’s a list of the best credit cards with travel insurance:

Table of Contents

How Credit Card Travel Insurance Works

My top pick: chase sapphire reserve®, capital one venture x, bilt rewards mastercard, the platinum card from american express, how to use your credit card’s travel insurance, frequently asked questions about credit card travel insurance.

Travel protection offered by credit cards does not cost anything extra, although nearly all of the cards that offer such insurance — with one notable exception (see below) — come with an annual fee.

It’s one of the many reasons that getting a card with an annual fee is worth it (and why I think that avoiding cards with annual fees is one of the biggest mistakes you can make when using credit cards for travel ). If something goes wrong while you’re on the road and your card’s insurance pays for it, you’ll more than recoup the annual fee right there.

The most important thing to know is that for the insurance to kick in, you must have paid for your trip using that card. However, once you do that, you’ll be covered.

While the payout limits vary greatly, as do the conditions that need to be met before coverage kicks in, these are general categories that credit card travel insurance usually covers:

  • Trip delay: covers meals, lodging, and other expenses if your trip is delayed at least six hours (for some cards, it must be at least 12)
  • Trip cancelation and interruption: reimburses trip costs if a covered reason (such as death in the family) causes you to cancel your trip or go home early
  • Rental car insurance: in the event of an accident, covers damage to the car; injuries are not covered (primary insurance kicks in before any other insurance, while if the card offers secondary insurance, you’ll have to file with your own car insurance first)
  • Baggage: covers delay of, loss of, or damage to your baggage
  • Accident insurance: in the case of death or dismemberment, you or your beneficiaries will receive a payout

While these are categories that credit cards with the best travel insurance generally include, always read the fine print of your coverage no matter what. There’s a lot in there that can change what you’re eligible for, such as what state you live in, the length of your trip, and more.

With that in mind, here are the best credit cards for travel insurance and what they cover:  

This is my favorite premium rewards card . It offers the most comprehensive travel insurance out of any credit card and is one of the only ones to include any kind of medical insurance. The Reserve also offers airport lounge access, a fantastic roster of transfer partners, and an array of statement credits.

As a Visa Infinite® card, the Chase Sapphire Reserve’s travel insurance includes the following:

  • Primary car rental insurance up to $75,000 USD
  • Travel accident insurance up to $1,000,000 USD
  • Trip cancelation/interruption coverage up to $10,000 USD per person and $20,000 USD per trip
  • Trip delay coverage of $500 USD after delays of six hours or more
  • Lost luggage coverage up to $3,000 USD
  • $100 per day for up to five days if your baggage is delayed
  • Emergency medical and dental coverage up to $2,500 USD for treatment (minus a $50 USD deductible)
  • Emergency evacuation insurance up to $100,000 USD

LEARN MORE —> LEARN MORE

If you don’t want to pay the high annual fee for the Reserve, the card_name offers most of the same benefits for a much lower one ($95 USD). Just note that the Preferred comes with lower payouts and more restrictions (for example, trip delay coverage doesn’t kick in until a delay of at least 12 hours). Emergency medical and evacuation insurance also isn’t covered on the Preferred. You can read my review of it here .

Additionally, if you’re eligible for a business card, the card_name has the almost the same coverage as the Chase Sapphire Preferred.  

A few years ago, Capital One overhauled its cards, and the Capital One Venture X now competes with the top brands, including some of the best travel protection around. You’ll also get a generous welcome offer, lounge access, travel credits, and a solid points-earning structure. It also offers particularly unique features: you’ll earn 2x points on every purchase, and there’s no fee for up to four authorized users.

As a Visa Infinite® card, coverage is similar to that offered by the Chase Sapphire Reserve (though it doesn’t offer baggage delay, medical, or evacuation coverage, all of which the Reserve does).

The Venture X offers these protections:

  • Trip cancelation and interruption coverage up to $2,000 USD per person, per trip
  • Up to $500 USD when travel is delayed by six hours or more
  • Lost luggage up to $3,000 USD
  • Cell phone protection up to $800 USD for repair or replacement (minus a $50 USD deductible)

If you don’t want to pay the $395 USD annual fee for the Venture X, the card_name offers solid travel protection at a lower annual fee ($95 USD), though without some significant benefits, like trip interruption, cancelation, or delay insurance.  

Bilt credit card

The Bilt Mastercard is the only credit card that allows you to earn points by paying your rent (they offer bonus points and perks every Rent Day as well). It also offers the best travel insurance you can get on a card with no annual fee.

Since Bilt is a World Elite Mastercard, you’ll get access to that suite of travel insurance benefits. Notably, it doesn’t have accident insurance or medical coverage, so you’ll want to purchase additional travel insurance that does.

Bilt’s travel insurance includes the following:

  • Auto Rental Collision Damage Waiver that allows you to get reimbursed for covered damage to or theft of your rental car
  • Trip Cancellation and Interruption Protection that allows you to get reimbursement for nonrefundable common carrier tickets in the case of trip cancellation
  • Trip Delay Reimbursement that allows you to get reimbursed for eligible expenses incurred if your trip is delayed over six hours
  • Cellular Telephone Protection up to $800 USD against damage or theft (subject to a $25 USD deductible)

—> LEARN MORE

At $695 USD per year, the Platinum Card from American Express has the highest annual fee of any consumer travel card out there, but that doesn’t necessarily translate to better benefits across the board. While the Platinum does offer great travel insurance, the Chase Sapphire Reserve handily beats it in all categories.

However, the Platinum offers emergency evacuation and medical transport coverage (with no limit on cost), which can be huge if you end up needing to take advantage of it. Evacuation and transport costs can be incredibly expensive, costing upwards of $250,000 USD!

It also offers the best lounge access of any travel card, elite status benefits, travel perks, special hotel discounts, and luxury goods and service credits.

The Platinum Card’s protections include the following:

  • Trip cancelation and interruption coverage of $10,000 USD per person, per trip (on round-trip tickets only, $20,000 per 12 consecutive month period)*
  • Trip delay coverage up to $500 USD if six hours or more (on round-trip tickets only, 2 claims per card per 12 consecutive month period)*
  • Emergency evacuation and medical transport coverage: no limit; must be coordinated via the Premium Global Assist Hotline**
  • Cell phone protection up to $800 USD minus a $50 USD deductible^
  • Lost luggage coverage up to $3,000 USD per person^^
  • Secondary car rental coverage

Ensuring that you’re covered for your trip is pretty easy. Just follow these steps:

  • Use your card (or points associated with that card) to pay for your trip (flights, rental cars, hotels, etc.).
  • Keep all receipts, and take photos of everything if you need to file a claim (just in case).
  • Submit your claim ASAP if you need to file one.
  • Always read the fine print!

Do Visa credit cards come with travel insurance? Premium Visa cards come with travel insurance, and several on this list are Visa cards. Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, and Visa Signature Business Premium all offer some form of travel insurance. Coverage varies based on the type of card you choose.

Do credit cards automatically have travel insurance? No, which is why it’s important to know which ones do so that you can use the right card when paying for your trip. Most premium travel credit cards come with some form of insurance, but coverage does vary. Always read the fine print!

What’s the difference between credit card insurance and travel insurance? There is a lot of overlap between the two, such as trip and baggage delay coverage, trip cancelation/interruption coverage, and car rental insurance. The main difference is that standard travel insurance policies offer more comprehensive medical coverage. That’s why I always buy travel insurance before I go abroad.

How do you submit a claim for credit card insurance? Every card’s process is a bit different, but generally, you’ll need to file your claim online, including all supporting documentation. You can call the hotline on your card to get more information and to open a claim as well.

Does credit card insurance cover missed flights? It depends on the reason. Covered reasons (which depend on the card) often include a delayed flight that makes you miss your connection or an issue with your airplane or airline. But if you missed your 6am flight because you overslept, you’re out of luck.

If you’re deciding on which credit card is best for travel insurance, take a hard look at your needs so that you get the one that suits you best. If you never rent cars, you might not care about having the best car rental coverage. Maybe you care most about making sure you’re covered in the event of delays (after all, these are happening more these days). Either way, prioritize what’s important to you.

But no matter what card you get, I still recommend getting a comprehensive travel insurance policy to cover you for medical mishaps that may happen on the road. That way you’re protected no matter what happens.  

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

  • SafetyWing (best for everyone)
  • Insure My Trip (for those 70 and over)
  • Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Advertiser Disclosure: “Nomadic Matt has partnered with CardRatings for our coverage of credit card products. Some or all of the card offers on this page are from advertisers and compensation may impact how and where card products appear on the site. Nomadic Matt and CardRatings may receive a commission from card issuers.”

Editorial Disclosure: “Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This page does not include all card companies or all available card offers.”

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

**You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

^Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

^^Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (oneway or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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Are safe driving discounts worth it?

Many auto insurance companies lower your rate in return for tracking your driving..

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With car insurance rates soaring in recent years , drivers are looking for ways to save on their premiums. Many insurers offer safe driving discounts that incorporate telematics programs, also known as usage-based insurance (UBI), to record and evaluate your habits behind the wheel.

If the data shows you've been a responsible motorist, you could see your rate drop by as much as 40%.

While the discounts are appealing, some companies will raise your premiums if the results show you're not considered a safe driver. Additionally, privacy advocates worry about where all that information could wind up.  "It comes down to consent," said Hayley Tsukayama, associate director of legislative activism at the Electronic Frontier Foundation , a digital privacy nonprofit. "People get upset when their data is used in ways they don't expect. Maybe you are willing to make some of those trade-offs — it's all about clear communication."

If you're thinking about a safe driving discount — or you've already signed up for one — find out how they work, how much you could save and what the risks are.

Safe driving discounts

How do safe driving apps work.

  • Which insurance companies use safe driving apps?
  • Can using a safe driving app make my rate go up?
  • Can my driving data be sold?

How accurate are safe driving apps?

How do i sign up for a safe driving discount, are safe driving apps worth it, safe driving discount pros and cons, more ways to save on car insurance, compare offers to find the best auto insurance.

Discounts for good driving are nothing new: Insurance companies often lower rates for drivers who take a defensive driving class or who haven't had an accident in several years. But the advent of wireless technology has meant insurers can now collect, transmit and evaluate day-to-day driving behavior in real-time.

Signing up for a safe driving discount usually means installing a plug-in device or downloading an app on your mobile phone. (Some insurers offer either option or use data from both.)

Tracker: These widgets, known as telematics devices, are usually plugged into a port beneath the steering wheel and use your car's sensors and diagnostic systems to track your performance.

Smartphone app: Instead of onboard diagnostics, data about your driving speed, hard braking and other behaviors is captured by your phone's internal GPS and sensors. The apps typically analyze movements — like how your phone rotates when you enter your vehicle — to determine if you're driving.

The system tracks metrics relating to your performance behind the wheel. The specifics vary, but they typically include:

  • Time of day
  • Location and route
  • Acceleration, braking and turning  
  • Phone usage while driving

Since each insurer collects, analyzes and weighs data differently, there is no one approach to getting the most out of a UBI plan. According to Progressive , limiting hard braking and acceleration, avoiding handheld phone activity and not driving between midnight and 4 a.m. will help you optimize its Snapshot program.

Which insurance companies have safe driving apps?

These are some of the top insurers offering discounts if you allow them to monitor your driving habits. Each state has different rules about how data can be used, however, and some restrict or prohibit UBI programs.

Allstate : Up to 25% off with Drivewise American Family : Up to 20% off with DriveMyWay Farmers : Up to 35% off with Signal Geico : Up to 25% off with DriveEasy Nationwide : Up to 40% off with SmartRide Progressive : Customers who earn a discount with Snapshot save an average of $231 a yea r State Farm : Up to 30% off with Drive Safe & Save Travelers : Up to 30% off with IntelliDrive USAA : Up to 30% off with SafePilot

Can a safe driving app make my rate go up?

Nationwide , State Farm and USAA all told CNBC Select that premiums are not raised as a result of telematics data. Allstate , American Family , Farmers and Travelers , however, all indicated there could be a rate increase if the app rated you as an unsafe driver.

While Geico and Progressive did not respond to requests for comment, both companies' websites indicate rate increases are possible. According to Progressive , 20% of drivers who enroll in its Snapshot program see their insurance premiums increase.

Will my driving data be sold?

Depending on your insurer, telematics information can be shared or used for other purposes, including marketing. In addition, a company that doesn't share or sell your data may still be required by law to comply with a subpoena, court order or law enforcement request.

It can be difficult to decipher an insurer's privacy policy to know exactly what is being done with your information.

"Unfortunately, it does require a little work — they don't make it easy," said Tsukayama. "Obviously, the insurance companies are incentivized to get people to sign up for these programs. So, [those agreements] are not always easy to decipher." 

Nationwide , State Farm and USAA told CNBC Select that driving data is not shared or sold with third parties.

Nationwide Auto Insurance

The best way to estimate your costs is to request a quote

App available

Policy highlights.

Nationwide offers near-nationwide availability and personalized services, such as On Your Side® Review, a free annual insurance evaluation to ensure you are adequately protected and are taking advantage of any discounts available to you.

Terms apply.

State Farm Auto Insurance

State farm is one of the largest auto insurers based on market share and has an excellent reputation for customer satisfaction. It offers 13 discounts, including ones for safe driving and young drivers.

Read our State Farm Auto Insurance review.

Farmers Auto Insurance directed CNBC Select to its privacy notice , which indicates customer data from its Signal app may be shared with third parties, including "companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements."

Farmers Auto Insurance

Farmers sells car insurance in every state except Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, Washington, D.C., and West Virginia and offers a whopping 22 discounts.

According to Progressive's privacy statement , personally identifiable data from its Snapshot app may be shared with other companies "to service your insurance policy, detect or prevent fraud, perform research, market our or our affiliates' products and services to you or as required or permitted by law." (Users can limit some of the marketing of Progressive and affiliate products and services, however.)

Progressive Auto Insurance

Progressive offers a number of lines of insurance to allow for bundling, and convenient tools to help you keep your coverage in your budget.

Read our Progressive Auto Insurance review.

"Make sure you're comfortable if your insurer is reserving the right to sell your information to data brokers," Tsukayama said. "Maybe you're willing to make some of those trade-offs. It's all about clear communication."

While your car's or phone's sensors can detect driving behavior, they're not infallible: They may register you were the driver when you were in the passenger seat or detect distracted driving when you're not even behind the wheel.

Only 38% of customers who use safe-driving apps say the data collected is always accurate, according to J.D. Power . Most programs allow users to request corrections, but the process is time-consuming and the options are limited.   Travelers Insurance , for example, gives Intellidrive users 10 days to update that they were a passenger, not a driver, on a given trip. 

Travelers Auto Insurance

Travelers auto insurance policies are affordable and backed by the sixth largest company for car insurance by market share according to the NAIC. The company also offers a number of discounts to customers, including discounts for bundling, owning a hybrid or electric car, and good student discounts.

In most cases, policyholders need to enroll in the safe driving discount within the first few weeks of their policy going into effect. The insurer then tracks their driving for the duration of their term (usually six or 12 months) and then applies any discount at the next policy renewal.

In some cases, you may need to complete a certain number of trips within that time frame to qualify.

The full discount usually isn't available until you renew, but most companies offer a smaller discount just for signing up: Nationwide , for example, takes 10% off your rate when you enroll in its SmartRide program. At renewal, the overall discount can increase to as much as 40%.

If you're a responsible motorist, safe driver apps are a great way to lower your rates. But, depending on your insurer, you could risk a rate increase.

You also need to decide if it's worth your insurance company having access to that much data.

"If there are reasons that you might want to keep that information more [private], you might say, 'Oh no, this is not for me,'" Tsukayama said. "The top thing is knowing what you're getting into. Try to understand what they collect and use that to evaluate how comfortable you are with it." Whatever you decide, Tsukayam said, it should be an informed decision.

"At the end of the day, it's your information," she said. "It's not theirs. They may be collecting it and holding it, but it's about you."

  • Lower rates.
  • Improved driving habits
  • Your rates could increase.
  • Your data may be sold.

If using a safe driving app doesn't appeal to you, there are other ways to lower your rates .

Shop for other discounts

Using safe driving apps or devices isn't the only way to save on car insurance: Many insurers offer discounts for bundling auto and home insurance , being a student with good grades , owning a home or going paperless.

Increase your deductible

Insurance Information Institute increasing your deductible by $300 could reduce the cost of full coverage insurance by up to 30% annually. Make sure you have the funds to pay out of pocket if you get into an accident.

Improve your credit

Most states factor your credit history into your car insurance premiums. You can boost your credit by paying down debts, keeping your credit utilization low, and monitoring your credit report with a service like CreditWise® from Capital One.

CreditWise® from Capital One

Credit bureaus monitored.

TransUnion and Experian

Credit scoring model used

VantageScore

Dark web scan

Identity insurance, how much can i save with a safe driving discount.

The exact discount depends on your insurance company, your policy and where you live. Nationwide cited a maximum discount of 40%, the highest among the companies we reviewed.

What are the risks of signing up for a safe driver discount?

Depending on the insurer, your rates could increase or your information could be shared with marketing companies and other third parties.

How does a safe driving app know who is driving?

Safe driving apps use your phone sensors to analyze movements and behaviors — like how your phone rotates when you enter your vehicle — to determine if you are the driver. Mislabeling of trips can happen but users can submit corrections.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Meet our experts

At CNBC Select, we work with experts who have specialized knowledge and authority based on relevant training and experience. For this story, we interviewed Hayley Tsukayama, associate director of legislative activism at the Electronic Frontier Foundation.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every car insurance article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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Gov. Katie Hobbs signs $16.1 budget that erases Arizona's nagging deficit

Arizona Gov. Katie Hobbs on Tuesday signed into law a bipartisan state spending plan that trims state agencies and makes other moves to reconcile a budget deficit over two years.

“Nobody got everything they wanted, but this bipartisan, balanced budget puts our state on solid financial ground," Hobbs said in a statement.

The budget was crafted under the shadow of a $1.4 billion deficit that spanned this year and the one starting July 1. In contrast to last year, where lawmakers were given pieces of a $2 billion surplus to allocate as they wished, this year lawmakers had to shrink the budget.

And they did, approving a $16.1 million plan, a 9.5% cut compared with the $17.8 billion budget they approved just a year ago.

The budget erased the deficit by cutting state programs, ordering most state agencies to cut their budgets by 3.5% and scooping up unspent money from various state boards and agencies. The budget also boosted revenue by pulling more money from the fees paid by various professions, such as doctors and accountants, and capping a tax credit program benefiting private school tuition.

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There were no tax increases.

The details of the final budget were hard won: After Hobbs and the House and Senate GOP leaders negotiated a deal, they rolled it out to lawmakers and pushed for quick passage.

What ensued were several long days of work to protect favored programs and cut spending elsewhere. The final product,was approved June 15 on a bipartisan vote that showed divisions within the Republican and Democratic caucuses.

The process was perhaps best summed up by House Speaker Pro Tem Travis Grantham, a Gilbert Republican.

"This is as good as it gets, folks," Grantham said as he voted "yes." In divided government, compromise was necessary, he said.

Compromises, cuts and preservation of pet projects

While the key negotiators celebrated the elimination of the deficit and the addition of border protections, they differed on what the budget accomplished.

The budget negotiations did not yield resolution of political issues that have vexed the two-year-old Hobbs administration, including creating a path to get agency directors through the Senate confirmation process a plan to extend an education funding measure known as Proposition 123.

Hobbs highlighted more support for child care, penalties on fentanyl and protection of health and human services. Republicans celebrated the cuts to state government, sparing public safety and protecting school choice.

"I am proud that we were able to protect critical services that Arizonans rely on, including state aid to public schools and the Housing Trust Fund," Hobbs said in the statement. "We also made meaningful investments that will strengthen our healthcare system, support border security and fentanyl interdiction efforts, increase affordable housing, and improve the well-being of our children."

Even as it cuts state agency funding, the budget preserves some spending on special interests.

For example, more than half of the pet projects that lawmakers funded last year out of the surplus were spared, Rep. David Livingston, the chairman of the House Appropriations Committee, estimated. Many of those were road and infrastructure projects within a lawmaker's district. Democrats' share of the pie was pooled to support state agencies, which now face cuts.

Turf Paradise, the horseracing track in Phoenix, is in line for $1.5 million — while Arizona taxpayers have already spent $12 million in recent years to prop up the tumultuous industry . A $15 million earmark for the Prescott Frontier Days rodeo approved by lawmakers last year is specifically protected in the new budget, even as it is being challenged in court by groups that claim it is an unconstitutional gift . 

What's in state budget? Funds for schools, housing and public safety

Here's a rundown of some key aspects of the budget and what it might mean to everyday Arizonans.

Public education: Schools got $37 million to continue a program that provides free and reduced price lunches to students, $37 million for schools that serve low-income populations and $29 million in additional funding for district schools. But lawmakers made those programs a one-time expense, reversing promises made two years to build them into the ongoing state budget as part of the deal that created universal school vouchers. Schools will get a 2% inflation increase — a requirement of a legal settlement from several years ago — but the amount won't cover actual inflation of 3%, so it amounts to a slight loss.

They also waived a spending cap that, if left untouched, could have forced school districts to cut their budgets by a cumulative $2 billion in the coming year. The waiver of the Aggregate Expenditure Limit was a key priority of Democrats and drew strong support from Republicans as well.

Given the deficit and a divided government, schools stayed even, said Chuck Essigs, governmental relations director for the Association of Arizona School Budget Officials.

School vouchers: An undercurrent to the budget work was what do to about Arizona's universal voucher program. Despite catchy protests to curb the program, not much of substance happened. GOP leaders doubled down in their defense of the first-in-the-nation program but agreed to a change in when families can enroll in the program, creating a $2.5 million savings in a program that costs around $400 million.

The budget also contained several provisions intended to provide more transparency in the program, such as guidelines for audits. A requirement that private school teachers must be fingerprinted fell flat with critics of the Empowerment Scholarship Account program, because they said the prints didn't need to be checked against law enforcement databases.

Hobbs said that even with those changes, she was "not done fighting to bring true accountability and transparency to protect taxpayer dollars and ensure every Arizona child gets the education they deserve.” Earlier this year, she proposed reinstating a requirement that children first attend a public school before becoming eligible for vouchers. That idea was immediately panned by GOP lawmakers.

Higher education: The budget included the creation of the Promise Scholarship program at Arizona's community colleges. Students with financial need are eligible to apply for the scholarship.

The state’s universities and their oversight agency, the Board of Regents, accounted for more than half of the agency cuts statewide: $27.9 million out of a total $44 million. The schools also were unsuccessful in their attempt to get authority to issue bonds to help fund university projects.

Apart from those cuts, a university scholarship program for the spouses and dependents of law enforcement officers took a $500,000 cut.

Taxpayer savings: Motorist can look forward to a 5% reduction in the fee they pay when they take their vehicles to be emission tested. That penciled out to an 85-cent savings on the basic onboard diagnostic test in the Phoenix area and 60 cents in the Tucson area.

Taxpayers who were used to using a corporate tax credit program that promoted private school scholarships may be unable to do so once the tax credit claims reach a $135 million cap.

Public safety: The Department of Public Safety got a $13.3 million boost to its budget, one of the very few agencies spared from the across-the-board mandate to trim spending by 4.5%.

The state’s prison system was slated for a $195 million infusion of money from the state’s share of a national opioid settlement. But Attorney General Kris Mayes was contesting the four-year payout and has threatened to sue.

Housing: The plan included a $15 million deposit in the state Housing Trust. That's on top of the $150 million lawmakers put in the program last year.

Senior services: Programs that provide in-home services to seniors will get $2 million in the coming year, down from the $5 million that helped pay for the program in the current year. The $3 million cut will dial back services, but agency administrators have not yet detailed what the would look like.

Child care: The budget includes $12 million to shore up child-care costs for working families, as well as approval to tap federal dollars.

Governor, lawmakers trim their own budgets, too

As for the people who brought Arizonans this budget, they did not spare the ax on their own line items.

The Governor’s Office is taking a reduction of $368,100, plus another $101,400 cut in her budget office.

The House of Representatives is cutting $664,100 and the Senate $587,300.

Reach the reporter at  [email protected]  or at 602-228-7566 and follow her on Threads as well as on X, the platform formerly known as Twitter  @maryjpitzl .

Reach reporter Stacey Barchenger at   [email protected]  or 480-416-5669 .

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