Gold Benefit

Car Rental Insurance

All versions of card benefits are not created equal. Below is a quick reference on what cards are best for Car Rental Insurance benefit.

Details

Here's a "must" benefit for business travelers who rent cars. And arguably, even for the casual traveler. The car rental companies try to squeeze hundreds of dollars in rental insurance out of you. Provided you use your card for the rental, you'll receive free insurance on your rental car. But not all car rental insurance is rated equally. We've given the (+) for cards with the best multiplier in this spend category and both "primary" and "secondary" insurance in and outside of the U.S. (=) have the both insurances but lower category multipliers (-) includes only "secondary" insurance, which means they'll try to go to your normal car insurance first.

One note of caution on business cards, many state, the rental must be for business purposes for primary insurance to apply.

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Our Top Selections for Car Rental Insurance (+)

Includes Primary Insurance & Rentals Outside of U.S.

		Value
	Chase Ink Business Preferred Using this card when renting for business gives you primary car rental insurance. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.	100
	Chase Ink Business Premier Using this card when renting for business gives you primary car rental insurance. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.	100
	Chase Sapphire Preferred Using this card give you primary car rental coverage for theft and collision damage up to the cost of the vehicle in the U.S. and abroad.	100
	Chase Sapphire Reserve Using this card gives you primary coverage, providing reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad.	100

Other Cards with Solid Value for Car Rental Insurance (=)

		Value
	Capital One Spark Cash Plus Business Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.	75
	Capital One Spark Miles Business Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.	75
	Capital One Venture X Using this card gives you primary car rental insurance on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.	75
	Chase Ink Business Cash Using this card when renting for business gives you primary car rental insurance, and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.	75
	Chase Ink Business Unlimited Using this card when renting for business gives you primary car rental insurance, and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage abroad.	75
	Hilton Honors Amex Business Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .	75
	Hilton Honors Aspire Amex Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .	75
	Hilton Honors Surpass Amex Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .	75
	United Business Card Using this card gives you primary car rental insurance when renting for business purposes.	75
	United Club Card Business Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.	75
	United Club Infinite Card Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.	75
	United Explorer Card Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.	75
	United Quest Card Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.	75

Cards Offering Some Value for Car Rental Insurance with Limitations (-)

Includes Only Secondary Insurance or Other Noteworthy Limitations

		Value
	Amazon Business Amex Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	Amazon Prime Rewards Visa Using this card gives you secondary coverage for collision on your rental car, up to the value of the car.	50
	American Express Blue Preferred Secondary car rental insurance when you pay for the entire rental with your Blue Cash Preferred	50
	American Express Business Gold Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.	50
	American Express Gold Personal Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	American Express Green Business Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	American Express Green Personal Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	American Express Platinum Business Using this card gives you secondary car rental insurance coverage up to $75,000 in collision damage and theft per incident. Excludes Australia, Italy and New Zealand.	50
	American Express Platinum Personal Secondary car rental insurance coverage up to $75,000 in collision damage and theft per incident	50
	British Airways Visa Signature Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle. Any international rentals are covered by primary insurance when using this card. This benefit is excluded in Ireland, Israel and Jamaica.	50
	Capital One Quicksilver Using this card gives you secondary coverage on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.	50
	Capital One Savor One Rewards Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.	50
	Capital One Venture Reward Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.	50
	Capital One VentureOne Rewards Using this card gives you secondary coverage on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.	50
	Chase Aeroplan Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	Chase Freedom Flex Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	Chase Freedom Unlimited Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	Costco Anywhere Visa	50
	Delta SkyMiles Blue Personal Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	Delta SkyMiles Gold Business Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	Delta SkyMiles Gold Personal Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	Delta SkyMiles Platinum Business Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.	50
	Delta Skymiles Platinum Personal Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	Delta Skymiles Reserve Business Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.	50
	Delta SkyMiles Reserve Personal Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	Hilton Honors Amex Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	IHG Rewards Club Premier Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	Marriott Bonvoy Bevy Using this card gives you $75,000 secondary car rental insurance for damage or theft of a rental vehicle. If you rent outside the US, coverage is upgraded to primary insurance.	50
	Marriott Bonvoy Boundless Using this card gives you $50,000 secondary car rental insurance for damage or theft of a rental vehicle. If you rent outside the US, coverage is upgraded to primary insurance.	50
	Marriott Bonvoy Brilliant Amex Using this card gives you $75,000 secondary car rental insurance for damage or theft of a rental vehicle. If you rent outside the US, coverage is upgraded to primary insurance.	50
	Marriott Bonvoy Business Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.	50
	Premium Rewards Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	Southwest Performance Business Using this card gives you primary car rental insurance when using for business on collision and theft, up to the cost of the vehicle.	50
	Southwest Plus Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	Southwest Premier Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	Southwest Premier Business Using this card gives you primary car rental insurance when using for business on collision and theft, up to the cost of the vehicle.	50
	Southwest Priority Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	World Of Hyatt Business card Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	World Of Hyatt Card Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50