Which credit card offers primary car rental insurance for your next trip?
If you’ve rented a car in the past, you probably know that the rental company offers insurance coverage to protect you on the street. The most common coverage type is loss damage exemption, which protects rentals from damage caused by theft, vandalism, collisions, etc. This coverage provides valuable protection, but may not be necessary in practice. This is because credit cards may provide the coverage you need as a free benefit.
This is the way Work and which cards offer primary insurance as a safeguard for your travel.
Credit card car rental insurance acts as an alternative protection against rental company coverage. However, there are some caveats to consider. First, you will need a credit card that offers free car rental insurance as a perk. You will also need to rent a car with your card to access your insurance benefits. And finally, if you want to rely on your credit card rental car insurance to protect you, you will need to refuse a collision damage waiver from your rental agent.
Car rental insurance options and restrictions vary by card. Secondary coverage, which complements your own car insurance, is the most common option. For example, if you return to another vehicle while driving a rental, you will first need to file a claim with a major car insurance company. Your personal insurance company can cover the cost of repairs for rentals, and secondary coverage on your credit card can be paid to something like you Insurance deduction possible.
Primary coverage is a rarer option, but it is still available with certain credit cards. Rewards your credit card. Using main coverage, there is no need to file a claim with a personal insurance company first. Instead, you simply call your credit card company after an accident or incident, and your personal insurance will act as a backup for your primary coverage. Relying on this coverage helps avoid potential premium increases that may occur later Submit a request With your personal insurance company.
No matter how often you travel, a card with primary rental car coverage is beneficial. In addition to key coverage, many of the following cards offer additional perks such as cashback, travel rewards, and credits.
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Remuneration rate
- 10x miles for hotels and car rentals are booked on Capital 1 trip
- 5x miles of flights and vacation rentals booked on Capital 1 Travel
- Double on all other purchases
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advantage
- $300 per year credit for travel booking through Capital 1 trip
- 10,000 miles per year ($100 worth of travel expenses, starting on your first account anniversary)
- Unlimited access to one lounge and over 1,300 lounges via partner network after you and two guests register
in you’ll get major car rental coverage and many other perks. Unfortunately, Capital One is less clear about the range of car rentals offered by Venture X Rewards.
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Annual fees
$795
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Welcome offer
After spending $5,000 in the first 3 months, you’ll earn 100,000 bonus points and $500 Chase Travel Credit
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Remuneration rate
- 8x points on all purchases through Chase Travel
- 4x points for direct booked flights and hotels
- 3x points for eating all over the world
- 1x points on all other purchases
- *After the first $300 is spent on travel purchases each year
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advantage
- Earn up to $150 every six months for up to $300 a year to dine in a restaurant that is part of Sapphire Ariserve’s exclusive table
- Travel cancellation/interruption insurance, car rental coverage, loss of luggage, foreign transaction fees, etc.
- You will receive a maximum of $120 every four years to cover your Global Entries, TSA Precheck, or Nexus application fee
Another premium travel reward card offering great profits and major car rental insurance. Cardholders who use their cards to rent cars will earn coverage of up to $75,000 on most rentals for up to 31 days.
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Remuneration rate
- 5x points on travel purchased Chase Travel
- Three times more points than dining, select services and online grocery
- Double points on all other travel purchases
- 1x points on all other purchases
- Chey Travel Hotel Credit for $50 a year
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advantage
- A free dash pass with a one-minute delivery fee of $0 and reduced service charges. A year to activate on 12/31/27 plus $10 per month promotion for non-restaurant orders
- Earn up to $50 in annual statement credits for hotel stays purchased through Chase Travel
- Earn bonus points on all account anniversary, equivalent to 10% of total purchases purchased the previous year
If you need primary car rental coverage, and prefer a lower annual fee, It may be worth considering. Earn up to $65,000 on primary coverage for most rental cars under $125,000. The annual fee for this card is only $95. Don’t forget that you will need to use your card to rent a car and refuse coverage from the rental agency to qualify for this major insurance.
Additionally, the card offers a 100,000 points welcome bonus if you make a purchase worth $5,000 within three months of opening an account. We offer $50 travel credits for travel booked through Chase Ultimate Rewards.
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Annual fees
$0
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Welcome offer
After spending $3,000 in the first 3 months, you earn $350, then another $6,000 in the first 6 months, and an additional $400
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Remuneration rate
- 5% cashback on your first $25,000 spend per office supply store and internet, cable and telephone service
- First $25,000 $25,000 cashback each account anniversary for each gas station and restaurant spending
- 1% cashback on all other purchases
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advantage
- Earn 5% cashback on Lyft Rides by March 2025
- Automatically check that your credit line increases by 6 months or earlier
Small business credit cards offer car rental coverage similar to Chase Sapphire’s preferred car rental range. If you use your card to book a rental car rental and refuse a rental company’s collision loss waiver, you will receive primary insurance up to $65,000 for most rental cars under $125,000. And the best part? Ink Business Cash has an annual fee of $0.
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Annual fees
$95
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Welcome offer
After spending $8,000 in the first three months, you earn 90,000 points ($900 cashback or $1,125 for your trip when redeemed on Chase Travel)
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Remuneration rate
- I spent my first three-fold account anniversary on the following categories: Purchase and purchase. Advertising purchases via social media sites and search engines. Internet, cable and telephone services. And travel
- 1x on all other purchases without revenue cap
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advantage
- Redeem points for cashback, gift cards, travel, and more
- Points are worth up to 1.75 times the points, and points boost
- Covers new purchases for 120 days for damages or thefts up to $10,000 per bill and up to $50,000 per account
A small business travel reward credit card that offers primary car rental coverage up to $65,000 on most rentals. Like Ink Business Cash, the card offers a variety of perks, including a massive 90,000 points welcome offer if you spend $8,000 within three months of opening an account.
Card members also benefit from business-centric reward categories, free employee cards and other perks. This card costs $95 per year.
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advantage
- $0 year membership fee
- A generous intro APR on purchasing
- You are not responsible for any unauthorized fees made on your card or account information.
Another great option for small businesses . This card offers major car rental coverage up to $65,000 for cars under $125,000. Unlike the other cards on our list, Ink Business Unlimited offers a generous introductory APR upon purchases for 12 months.
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