Gold Benefit
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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.

Our Top Selections for Car Rental Insurance (+)

Includes Primary Insurance & Rentals Outside of U.S.

Value
Chase Ink Business Preferred 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 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 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 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 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 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 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 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 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 Hilton Honors Amex Business

Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .

75
Hilton Honors Aspire Amex Hilton Honors Aspire Amex

Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .

75
Hilton Honors Surpass Amex Hilton Honors Surpass Amex

Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .

75
United Business Card United Business Card

Using this card gives you primary car rental insurance when renting for business purposes.

75
United Club Card Business 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 Chase Freedom Unlimited

Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.

50
Delta SkyMiles Blue Personal 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 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 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 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 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 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 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 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 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
IHG Rewards Premier Business IHG Rewards Premier Business

Using this card gives you Primary car rental insurance on collision and theft, up to the cost of the vehicle.

50
Marriott Bonvoy Bevy 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 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 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 Marriott Bonvoy Business

Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.

50
Premium Rewards 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 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 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 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 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 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 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 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