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Jarrod West
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Get ready to hit the road confidently using the best credit cards with rental car coverage.
With these cards, you don’t have to pay extra at the rental counter for insurance. Pay with your card, decline the rental car company’s coverage, and roll off the lot with peace of mind.
Card
Welcome Bonus Offer and Annual Fee
Benefits for Car Rental Insurance
Chase Sapphire Preferred^® Card
Chase Sapphire Reserve^®
Capital One Venture X Rewards Credit Card
Platinum Card^® from American Express
American Express^® Gold Card
Secondary car rental loss and damage insurance with the ability to purchase primary rental car insurance
Card
Welcome Bonus Offer and Annual Fee
Benefits for Primary Car Rental Insurance
Ink Business Preferred^® Credit Card
Ink Business Cash^® Credit Card
Primary auto rental coverage when renting for business or outside the U.S.; secondary coverage for personal rentals in the U.S.
Ink Business Unlimited^® Credit Card
Primary auto rental coverage when renting for business or outside the U.S.; secondary coverage for personal rentals in the U.S.
United℠ Business Card
Primary auto rental coverage when renting for business or outside the U.S.; secondary coverage for personal rentals in the U.S.
The Business Platinum Card^® from American Express
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A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Chase Ultimate Rewards
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.
The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.
Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!
Chase Ultimate Rewards
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
 
Capital One Miles
 
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
If you're approved and accept this Card, your credit score may be impacted.
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
American Express Membership Rewards
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
If you're approved and accept this Card, your credit score may be impacted.
The American Express^® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
American Express Membership Rewards
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Chase Ultimate Rewards
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 16.74% – 24.74% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.
Chase Ultimate Rewards
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 16.74% – 24.74% thereafter.
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
The United℠ Business Card is a compelling option for traveling business owners that are also frequent United flyers. Not only will this Chase business card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
If you're approved and accept this Card, your credit score may be impacted.
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
American Express Membership Rewards
Credit card rental insurance provides coverage for accidental theft or damage to your rental car if you pay with your credit card and decline the rental agency’s insurance. This coverage can either be primary, meaning it kicks in prior to your normal automobile insurance coverage, or secondary, which kicks in to cover items after your primary automobile coverage.
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Top factors to consider when selecting a credit card with car rental insurance include whether it offers primary or secondary coverage, whether certain countries or vehicles are excluded, and how long the rental car is covered.
Credit cards that offer car rental insurance are definitely worth having, even if you only rent cars occasionally. Not only does having a credit card with car rental insurance help save you money, it also means you do not need to purchase the rental car company’s policy. Instead, the insurance coverage provided can help keep you covered if your rental car is stolen or damaged in an accident.
At Upgraded Points, we evaluate the best credit cards for car rental insurance based on the value they offer travelers. Our evaluation analyzes each card based on essential factors, including rental car insurance coverage, benefits, earnings structure, welcome offer, redemption value and rewards program, fees, and more.
The best card for car rental insurance offer primary car rental coverage. You want the coverage to include damage to the rental car, towing, theft, and loss of use while the car is being repaired. If we had to select a single card to top the list for car rental insurance, it would be the Chase Sapphire Preferred card for its elevated earnings on travel, generous welcome offer, and flexible redemption options. Other great cards include the Chase Sapphire Reserve card, Capital One Venture X card, Amex Platinum card, and Amex Gold card.
Alternatively, if you rent cars for your business, you should appreciate the Ink Business Preferred card, Ink Business Unlimited card, Ink Business Cash card, United Business card, and Amex Business Platinum card. That said, all the cards we’ve mentioned in the article offer primary car rental coverage or make it readily available. Selecting a card that aligns with your spending and offers other benefits you can readily use goes a long way toward ensuring you get the maximum value from it.
The quickest way to find out if your credit card has car rental insurance is to call the number on the back of your credit card. You can also access the guide to benefits that came with your card. The terms and conditions, limits of coverage, and exclusions will be spelled out clearly in that document. Some guides are available online, but you can request a new copy by logging in to your online credit card account or by calling the number on the back of your card.
Put simply, secondary car rental insurance requires that you submit a claim to any other car insurance you might have access to before the credit card coverage kicks in. Primary car rental insurance becomes effective immediately and does not first require you to file a claim elsewhere.
Yes. If you use points that are associated with your credit card, you’re still covered, provided you have complied with all requirements. You must have reserved and paid for the entire rental with points, your associated card, or a combination of both. You must also decline the rental car agency’s CDW/LDW coverage. Additionally, any driver you want to be covered must be added to the rental agreement.
For rates and fees of the Platinum Card^® from American Express, click here.
For rates and fees of the American Express^® Gold Card, click here.
For rates and fees of The Business Platinum Card^® from American Express, click here.
For the car rental loss and damage insurance benefit of the

, 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.
For the car rental loss and damage insurance benefit of the

, 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.
For the car rental loss and damage insurance benefit of the

, car rental loss and damage insurance can provide coverage up to $50,000 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.
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.
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Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. The information provided is for informational purposes only and should not be considered financial, tax or legal advice.
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Many of the credit card offers that appear on this site are from credit card companies from which we may receive financial compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers and how we make money, see our advertising policy here. In addition, as an Amazon Associate we earn from qualifying purchases.
The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer.

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