Best Credit Card For Car Rental Insurance Benefits

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

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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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.

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Chase Ink Business Premier

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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.

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Anniversary Date Bonus Points

No Foreign Transaction Fees

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 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.	100
	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.	100
	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.	100
	Hilton Honors Aspire Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .	100
	Hilton Honors Business Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .	100
	Hilton Honors Surpass Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .	100
	United Business Using this card gives you primary car rental insurance when renting for business purposes.	100
	United Club 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.	100
	United Club 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.	100
	United Explorer 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.	100
	United Quest 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.	100

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

		Value
	Amazon Business Prime Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	Amazon Prime Using this card gives you secondary coverage for collision on your rental car, up to the value of the car.	100
	Amex Blue Business Cash	100
	Amex Blue Cash Everyday	100
	Amex Blue Cash Preferred Secondary car rental insurance when you pay for the entire rental with your Blue Cash Preferred	100
	Amex Business Gold Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.	100
	Amex Business Green Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	Amex Business Platinum 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.	100
	Amex Gold Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	Amex Green Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	Amex Platinum Secondary car rental insurance coverage up to $75,000 in collision damage and theft per incident	100
	Bank of America Premium Rewards Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	Bank of America Premium Rewards Elite Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	British Airways 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.	100
	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.	100
	Capital One Savor 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.	100
	Capital One Spark Miles Select	100
	Capital One Venture 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.	100
	Capital One VentureOne 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.	100
	Chase Aeroplan Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	Chase Freedom Flex Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	Chase Freedom Unlimited Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	Citi Costco	100
	Citi Costco Business	100
	Delta SkyMiles Blue Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	Delta SkyMiles Gold Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	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.	100
	Delta SkyMiles Platinum Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	Delta SkyMiles Platinum Business Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.	100
	Delta SkyMiles Reserve Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	Delta SkyMiles Reserve Business Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.	100
	Hilton Honors Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	IHG One Rewards Premier Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	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.	100
	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.	100
	Marriott Bonvoy Brilliant 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.	100
	Marriott Bonvoy Business Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.	100
	Southwest Rapid Rewards 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.	100
	Southwest Rapid Rewards Plus Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	Southwest Rapid Rewards Premier Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	Southwest Rapid Rewards 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.	100
	Southwest Rapid Rewards Priority Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	United Gateway 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.	100
	Wells Fargo Autograph Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	Wells Fargo Autograph Journey Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	Wells Fargo Signify Business Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	100
	World of Hyatt Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100
	World of Hyatt Business Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	100