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Rental car insurance is a confusing topic — some might even say it is more confusing than regular car insurance. From figuring out whether or not your credit card even offers coverage to finding out what type of coverage is provided to a long list of exclusions of things that aren’t covered, it is enough to make anyone’s head spin.
But we’ve got you covered! If you’re someone who occasionally rents a car and you want a Chase credit card that offers rental car insurance, then you’ve come to the right place.
This guide provides a breakdown of how rental car insurance with Chase works, which cards offer coverage, and the type of coverage that those cards provide.
When you rent a car and pay for the rental with an eligible Chase credit card, your rental car will be covered thanks to your credit card collision damage waiver (CDW). The CDW will help reimburse you for damages or a replacement if your rental car is involved in an accident or theft.
Why is this useful? If you hold a credit card that offers a CDW, you can confidently decline the rental car company’s policy, which almost always comes at an additional fee to you.
There are 2 different types of rental car coverage, primary and secondary, and the difference between the 2 is quite important should your car be involved in an incident.
Primary coverage is applied first before any other insurance coverage you might have. On the other hand, secondary coverage is applied after your personal car insurance and potentially after any other type of travel-related insurance you have.
As you can see, the difference in coverage here is quite significant as when you use secondary coverage, you will be required to submit a claim with your personal car insurance provider first, potentially causing your premium to increase. Your secondary coverage will kick in to help cover any damage not covered by your personal policy.
Given that, we recommend that you pay for your rental car with a credit card that provides primary coverage to serve as the first line of defense and added peace of mind should anything go wrong.
It’s worth noting, though, that the following list of cards distinguishes between the cards that offer primary vs. secondary insurance in the U.S.  If you’re renting a car abroad, the coverage offered by all of these cards will be considered primary.
Hot Tip: Don’t own a car and, by extension, have no car insurance policy? Secondary coverage can serve as primary coverage for you since you don’t have a personal policy that kicks in first. 
So if you have a credit card that offers primary coverage and a collision damage waiver, you’re good to go, right? Well, not entirely.
Your collision damage waiver is only going to cover any damage caused to your own vehicle. It will not cover any damage caused to other vehicles, property, or injuries to you and anyone else involved in the accident.
If you have a personal car insurance policy, it will likely cover these items, but make sure to review the details of your policy first. If you don’t have personal car insurance and want to ensure these exclusions are covered, then you could always purchase a supplemental liability insurance policy.
Exclusions to a rental car insurance policy can leave you holding the bill if you aren’t aware of them ahead of time. So while this is not an exhaustive list, here are some common exclusions that apply to Chase rental car insurance plans:
Some of these exclusions might seem straightforward or obvious, and others less so, but it is crucial to make sure you know what the exclusions of your policy are so you don’t end up being responsible for more than you were planning for.
Curious which Chase credit cards offer rental car insurance, and whether or not that coverage is primary or secondary? We’ve got you covered with our complete list below.
Hot Tip: Chase credit cards aren’t your only option for rental car insurance — you can also check out our post on the best credit cards for car rental insurance coverage.
Primary
Secondary
Chase Sapphire Preferred^® Card

Chase Sapphire Reserve^®

The New United Club℠ Card

The New United Quest℠ Card

The New United℠ Explorer Card
Aeroplan^® Credit Card

Chase Freedom Flex℠

Chase Freedom Unlimited^®

Chase Slate Edge℠

IHG One Rewards Premier Credit Card

The New United Gateway℠ Card
The Aeroplan card is a great option for Air Canada flyers looking to earn more points and receive automatic elite status.
Flyers based in the U.S. may think they wouldn’t have a need for a card like the Aeroplan^® Credit Card, it might be much better suited for you than you think.
Not only does Air Canada offer fantastic award redemptions, but adding the card to your wallet makes the program even more rewarding by offering elite status, more points, travel coverage, and more. Let’s take a closer look and see why the Aeroplan card might make a lot of sense for you.
Rental Insurance Coverage: Secondary in the U.S., primary otherwise
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $95
Card Earnings: 
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Chase Ultimate Rewards
Rental Insurance Coverage: Secondary in the U.S., primary otherwise
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings: 
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Chase Ultimate Rewards
Rental Insurance Coverage: Secondary in the U.S., primary otherwise
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings: 
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
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $95
Card Earnings: 
A top player in the high-end premium travel credit card space that earns 3x 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 out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Chase Ultimate Rewards
Rental Insurance Coverage: Primary
Coverage Limit: $75,000
Annual Fee: $550
Card Earnings: 
Hot Tip: Learn how to maximize your Chase Sapphire Reserve card’s car rental insurance benefits in our detailed guide.
The Chase Slate Edge card is a great option for those looking to build their credit.
Chase revamped the Chase Slate Edge℠ in 2021. It’s a no-annual-fee card designed for those looking to build their credit or those who need a low-interest APR card for a large purchase or balance transfer.
While the Chase Slate Edge card does not offer the opportunity to earn any rewards, it is a great option for those who are just beginning their credit journey, and the card still offers lucrative benefits that any cardholder would find value in.
Rental Insurance Coverage: Secondary in the U.S., primary otherwise
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.
The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.
Rental Insurance Coverage: Secondary in the U.S., primary otherwise
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $99
Card Earnings: 
Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
The New United Club℠ Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.
United frequent flyers will find that the United Club card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee:

Card Earnings: 
The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.
The New United Gateway℠ Card is a great option for those looking to earn more United miles without wanting to pay a credit card annual fee. Plus, the card offers other solid benefits like a 25% back on United inflight purchases, purchase protection, and rental car insurance.
Rental Insurance Coverage: Secondary in the U.S., primary otherwise
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings: 
The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
Enter: The New United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.
With an annual fee that falls between The New United℠ Explorer Card and The New United Club℠ Card, the United Quest card makes for a fantastic card option for United frequent flyers.
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $350
Card Earnings: 
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.
You should consider The New United℠ Explorer Card, because this card does all that and more!
United MileagePlus Frequent Flyer Program
Rental Insurance Coverage: Primary
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0 intro annual fee for the first year, then $150
Card Earnings: 
Business cards will typically have primary rental car coverage when renting primarily for business purposes or for personal use when renting a vehicle outside of the U.S. If you rent for personal use within the U.S., you will have secondary coverage.
The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.
IHG Rewards and Chase have teamed up to offer the IHG One Rewards Premier Business Card, a compelling option for those who travel often for their business and stay at IHG hotels.
In this review, we will cover all of the benefits of the card, including earning rates, perks, fees, and more to help you determine whether the card is a good fit for your travel goals.
Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $99
Card Earnings: 
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; variable 17.49% – 25.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Chase Ultimate Rewards
Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings: 
Earn up to 5% cash-back for your business without complex bonus earning categories!
Chase has introduced the Ink Business Premier^® Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $95
Card Earnings: 
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
Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.
Coverage Limit: Cash value of the rental vehicle
Annual Fee:$195
Card Earnings: 
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 17.49% – 23.49% thereafter
Rental Insurance Coverage: Primary when renting for business; secondary coverage for personal rentals
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $0
Card Earnings: 
The United Club Business card is a great option for frequent United flyers looking for United Club access.
The New United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.
From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.
Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $695
Card Earnings: 
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
The New 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.
Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.
Coverage Limit: Cash value of the rental vehicle
Annual Fee: $150
Card Earnings: 
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.
The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!
World of Hyatt
Rental Insurance Coverage: Primary when renting for business or outside of the U.S.; secondary coverage for personal rentals in the U.S.
Coverage Limit: Cash value of the rental vehicle
Annual Fee:$199
Card Earnings: 
When you’re considering adding a new credit card to your wallet, it is easy to focus on the glamorous items like how many points you will earn, how you’ll spend those points, and what sort of neat perks the card offers. But you’d be wise to also consider what kind of protections and insurance the card offers because doing so could save you hundreds or thousands of dollars if things go wrong during your travels.
So if you use rental cars with any frequency, it pays to hold credit cards that cover car rental insurance.
Yes, there are many Chase credit cards that offer rental car insurance. Our 2 top options are the Chase Sapphire Reserve card and the Chase Sapphire Preferred card.
If you have an eligible Chase card that offers rental car insurance and you use it to pay for your rental vehicle, it will help cover you in the event of any damages or theft to the vehicle.
In order to receive this coverage, you must reserve and charge the rental car with your eligible Chase card and refuse the car rental company’s CDW coverage.
A card that offers primary coverage kicks in prior to you needing to file a claim with any other insurance providers you have, including your personal auto insurance.
Secondary coverage requires you to submit a claim with your other insurance providers first, and will only kick in to help cover items that have not already been covered by those other insurance providers.
So, in almost all instances, you would be better off using a credit card that provides primary coverage for your rental car.
Yes, you must pay for your rental car with your eligible credit card and decline the insurance policy from the rental company.
The following Chase credit cards offer primary rental car insurance:

The following Chase credit cards offer secondary rental car insurance:

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Slate Edge℠ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 7 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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