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 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 Aspire Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .	75
	Hilton Honors Business Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .	75
	Hilton Honors Surpass Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .	75
	United Business Using this card gives you primary car rental insurance when renting for business purposes.	75
	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.	75
	United Club Infinite 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 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 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 Prime Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	Amazon Prime Using this card gives you secondary coverage for collision on your rental car, up to the value of the car.	50
	Amex Blue Business Cash	50
	Amex Blue Cash Everyday	50
	Amex Blue Cash Preferred Secondary car rental insurance when you pay for the entire rental with your Blue Cash Preferred	50
	Amex Business Gold Using this card gives you $50,000 secondary coverage for damage or theft of a rental vehicle.	50
	Amex Business Green Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	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.	50
	Amex Gold Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	Amex Green Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	Amex Platinum Secondary car rental insurance coverage up to $75,000 in collision damage and theft per incident	50
	Amex Plum Card	50
	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.	50
	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.	50
	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.	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 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 Spark Miles Select	50
	Capital One Venture 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 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
	Citi Costco	50
	Delta SkyMiles Blue 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 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 Platinum 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 Reserve 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
	Hilton Honors Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident.	50
	IHG One Rewards 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 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
	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.	50
	Southwest Rapid Rewards Plus Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	Southwest Rapid Rewards Premier Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	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.	50
	Southwest Rapid Rewards Priority Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50
	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.	50
	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.	50
	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.	50
	World of Hyatt 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 Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle.	50