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Continental OnePass Plus card: fine print benefits

by on Mon March 5, 2012 • 16 Comments

[NOTE AS OF MARCH 2012, THE CONTINENTAL ONEPASS PLUS CARD IS NO LONGER MARKETED. It is replaced by the United Mileage Plus Explorer, with similar features and benefits]

Continental Airlines recently upgraded its standard mile credit card to the ‘OnePass Plus’ card, with some added benefits not offered in the prior card, but at the same annual fee.

We recently received the full guide to benefits for the Chase Continental Airlines OnePass Plus MasterCard. We read through the fine print and found a few unique benefits that are stronger than those offered by most mile credit cards. We urge you to thoroughly read your own copy of the terms and conditions before relying on the benefits, and make no guarantee that they will be offered as described here. Highlights of coverage when you use the card for the purchases eligible include…

Primary car rental insurance coverage and no specific car value limit

Most credit card car rental collision insurance is secondary. That is, they will only pay if you have first filed a claim with your regular car insurance provider, which can lead to higher rates for you. With the Chase OnePass Plus, the coverage is primary, so they will be first to pay for eligible damage. Note that liability for others’ property and injury is not included.

In addition, most credit card based insurance limits coverage to vehicles valued at $40-$50,000 or less. While you’re probably not renting expensive vehicles regularly, rental car companies will sometimes upgrade you to a new, fancy car. With OnePass Plus you’re covered for nearly every vehicle offered at standard rental places like Hertz, Avis, and Budget. A list of ‘exotic’ cars not covered is in the illustration below.

SUVs are also covered. They are often excluded from coverage by other credit card rental insurance programs, though we note off road use is not covered by the OnePass Plus or any other credit card based insurance. Open-bed SUVs like the Avalanche are also excluded as they are considered trucks.


Trip Cancellation Insurance up to $1500

If you are genuinely unable to travel due to doctor-verified illness (not pre-existing), death, or injury of yourself or an immediate family member, you can receive a refund of the nonrefundable portion of your travel expenses. The limit is $1,500 but this can be valuable if for example you can’t make a nonrefundable flight.


Delayed baggage coverage up to $300

If your baggage is delayed more than 18 hours from your arrival, you can be reimbursed for $100 per day of expenses to buy essential clothing, toiletries, etc in the interim for up to three days. This is coverage the airlines themselves will often not provide. Note that most medical essentials like contact lenses and dentures are not covered.

You can read more about the replacement for the OnePass Plus, the United Explorer here with our full review.

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16 thoughts on Continental OnePass Plus card: fine print benefits

  1. Laurel Jerin

    I remember receiving a notice to change my One Pass Continental Airlines card. What do I need to do and by when? I do not want to lose my miles.

    1. MileCards

      @Laurel – You will not lose your miles. They should eventually be sending you a replacement card that says ‘United Explorer’ which has the exact same benefits, card number, and frequent flyer number. It may be worth a call to Chase at the number on the back of your card to double check it wasn’t already sent. But again, your miles are safe.

      As for Hilton hotels, there is no specific discount for using your One Pass Plus card.

  2. Laurel Jerin

    I have a Continental Airlines One Pass Plus. I want to make a reservation at a Hilton Hotel. Is there a discount?

  3. Laurel Jerin

    I have a One Pass Plus Continental Airlines card. I want to make a room reservation at a Hilton hotel. Is there a discount?

  4. Jody Fox

    I have a Chase Continental Airlines One Pass Plus Master Card card. It offered me a discount on future two future flights of between $25 – $100 depending on the cost of the flight. I do not see that offered anymore. Am I losing that with the elimination of the card?

    1. MileCards

      @Jody – As of May they were still issuing them. You receive them after the annual fee is paid on the card each year.

  5. Jake

    I got pickpocketed in Athens this week for several items, including my cell. I haven’t been able to find an answer about general travelers insurance with my card. Can anyone help?

    1. MileCards

      @Jake – Sorry you got pickpocketed on vacation. Unfortunately there is no general travelers insurance with the card (or most cards). There is insurance to cover fees and airfare if an immediate family member becomes ill while traveling on a ticket purchased with the card, but nothing for theft during your travel. But hopefully you have been in touch with Chase and have a replacement of this or another card being sent so you can charge expenses.

  6. Eugene

    For the trip interruption insurance, when a husband and wife are traveling together, if the the cardholder is the husband, and a member of the immediate family of the wife encounters a “covered” condition resulting in the interruption of the trip for both the husband and the wife, are both of their tickets covered? If not, how do you see the situation playing out?
    A further question, which should perhaps actually be a preliminary question, if the tickets are award tickets, but all the other fees were paid with the card (and the price of the award was listed as X miles plus Y dollars), if the trip is interrupted do you see the insurance as applying?
    Thank you so much.

    1. MileCards

      @Eugene – Usually only way to get a definite answer is to call the customer service line directly as conditions change, but yes, if you guys are on the same ticket itinerary purchased with the card it should apply to an event from her side of the family.

      As for covering award tickets, you can have the miles redeposited (the remaining one way amount) with or without insurance. The insurance should cover the modest fee to do the redeposit.

  7. Marcia

    I just booked a flight on US Airways with my Chase One pass credit card. This flight is also listed on the UNITED website and is listed as a United flight run by US Airways.
    I was under the impression that the CHASE One Pass card offered FREE baggage check in for the card holder and companion on United and Continental flights. Does this also apply to the US Airways flight??

  8. kenneth chien

    I am Continental OnePass Plus master card holder, I will travel to china next week. can I get first laggage check
    free? right now is one laggage per person.

    1. MileCards

      @Kenneth – The first bag you check on the China flight is free, the second will cost you a fee even with the One Pass Plus card.

  9. Pingback: United Airlines Mileage Plus Explorer credit card review – offering friendlier skies | MileCards - Reviews and Comparison Tools

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