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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Capital One Spark 2% Cash

Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 for theft and collision damage.

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Chase Ink Business Preferred

Primary rental car collision damage waiver coverage when the business related rental is paid with the card. Coverage up to $60,000 for theft and collision damage.

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Chase Ink Business Premier

Primary rental car collision damage waiver coverage when the business-related rental is paid with the card. Coverage up to $60,000 for theft and collision damage.

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Our Top Selections for Car Rental Insurance (+)

Includes Primary Insurance & Rentals Outside of U.S.

		Value
	Capital One Spark 2% Cash Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 for theft and collision damage.	100
	Chase Ink Business Preferred Primary rental car collision damage waiver coverage when the business related rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	Chase Ink Business Premier Primary rental car collision damage waiver coverage when the business-related rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	Chase Sapphire Preferred Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	Chase Sapphire Reserve Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 for theft and collision damage in the U.S. and abroad.	100
	Chase Sapphire Reserve Business Primary rental car collision damage waiver coverage when the business rental is paid with the card. Coverage up to $75,000 for theft and collision damage in the U.S. and abroad.	100
	IHG One Rewards Premier Business Primary rental car collision damage waiver coverage when the business-related rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100

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

		Value
	Air France KLM Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 for theft and collision damage.	100
	American Airlines Citi AAdvantage Business Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	American Airlines Citi AAdvantage Executive Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	American Airlines Citi AAdvantage Globe Primary international and secondary USA rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 for theft and collision damage.	100
	American Airlines Citi AAdvantage Platinum Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Atmos Rewards Summit Visa Infinite Primary auto rental collision damage waiver coverage for eligible rentals paid with the card, covering theft or collision damage for vehicles up to $75,000. Applies to rentals up to 15 days in your country and 31 days outside your country.	100
	Atmos Rewards Visa Business Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 for theft and collision damage.	100
	Bank of America Business Advantage Travel Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Bank of America Travel Rewards Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Bilt Blue Secondary rental car collision damage waiver coverage when the full rental cost is paid with the card and the rental company’s collision coverage is declined. Covers theft and physical damage to the rental vehicle.	100
	Bilt Obsidian Secondary insurance that pays the lowest of repair cost or the car’s adjusted value, which can limit payouts for major damage or total loss. Loss-of-use fees are covered separately but capped at $500 per incident.	100
	Bilt Palladium Secondary rental car collision damage waiver coverage when the rental is paid with the card. Loss-of-use coverage capped at $500 per incident.	100
	Capital One Venture Business Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 for theft and collision damage.	100
	Capital One Venture X Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 for theft and collision damage.	100
	Chase Ink Business Cash Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	Chase Ink Business Unlimited Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	Citi Strata Secondary rental car collision damage waiver coverage when the full rental cost is paid with the card and the rental company’s collision coverage is declined. Covers theft and physical damage to the rental vehicle.	100
	Citi Strata Elite Secondary rental car collision damage waiver coverage when the full rental cost is paid with the card and the rental company’s collision coverage is declined. Covers theft and physical damage to the rental vehicle.	100
	Citi Strata Premier Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Hilton Honors Aspire Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Hilton Honors Business Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $65,000 per incident for collision damage or theft.	100
	Hilton Honors Surpass Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	JetBlue Business Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 for theft and collision damage.	100
	JetBlue Plus Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Marriott Bonvoy Bold Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Marriott Bonvoy Bountiful Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	United Business Primary rental car collision damage waiver coverage when the business related rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	United Club Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 for theft and collision damage.	100
	United Club Business Primary rental car collision damage waiver coverage when the business-related rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	United Explorer Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	United Quest Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	US Bank Business Altitude Connect Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Wells Fargo Active Cash Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100

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

		Value
	Amazon Business Prime Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Amazon Prime Visa Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	Amex Blue Business Cash econdary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per rental agreement for theft or collision damage on rentals of up to 30 consecutive days.	100
	Amex Blue Cash Everyday Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per rental agreement for theft or collision damage on rentals of up to 30 consecutive days.	100
	Amex Blue Cash Preferred Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Amex Business Gold Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Amex Business Green Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Amex Business Platinum Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Amex Gold Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Amex Graphite Business Cash Unlimited Secondary rental car collision damage waiver coverage when the rental is paid with the card. Covers theft or collision damage to eligible rental vehicles. Liability coverage is not included.	100
	Amex Green Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Amex Platinum Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Bank of America Premium Rewards Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Bank of America Premium Rewards Elite Secondary rental car insurance covers collision damage or theft of a rental vehicle up to the cost of the vehicle when the rental is paid with the card.	100
	British Airways Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Capital One Quicksilver Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Capital One Savor Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Capital One Venture Rewards Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Capital One VentureOne Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Capital One VentureOne Business Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $1000 per incident for collision damage or theft.	100
	Chase Aeroplan Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Chase Disney Premier Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	Chase Freedom Flex Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	Chase Freedom Unlimited Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	Citi Costco Anywhere Visa Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Citi Costco Business Secondary rental car collision damage waiver coverage when the rental is paid with the card. Loss-of-use coverage up to $50,000 per incident.	100
	Delta SkyMiles Blue Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Delta SkyMiles Gold Secondary rental car collision damage waiver coverage up to $50,000 per incident for theft or damage when the rental is paid with the card.	100
	Delta SkyMiles Gold Business Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Delta SkyMiles Platinum Secondary rental car collision damage waiver coverage up to $50,000 per incident for theft or damage when the rental is paid with the card.	100
	Delta SkyMiles Platinum Business Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Delta SkyMiles Reserve Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Delta SkyMiles Reserve Business Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Hawaiian Airlines Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Hawaiian Airlines Business Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Hilton Honors Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	IHG One Rewards Premier Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	Lufthansa Miles and More Primary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 for theft and collision damage.	100
	Marriott Bonvoy Bevy Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Marriott Bonvoy Boundless Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Marriott Bonvoy Brilliant Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $75,000 per incident for collision damage or theft.	100
	Marriott Bonvoy Business Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $50,000 per incident for collision damage or theft.	100
	Southwest Rapid Rewards Performance Business Primary rental car collision damage waiver coverage when the business related rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	Southwest Rapid Rewards Plus Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	Southwest Rapid Rewards Premier Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	Southwest Rapid Rewards Premier Business Primary rental car collision damage waiver coverage when the business-related rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100
	Southwest Rapid Rewards Priority Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	United Gateway Primary rental car collision damage waiver coverage outside the U.S. and secondary coverage within the U.S. when the rental is paid with the card. Coverage up to $60,000 for theft or collision damage on rentals of up to 31 consecutive days.	100
	Wells Fargo Autograph Secondary rental car collision damage waiver coverage when the full rental cost is paid with the card and the rental company’s collision coverage is declined. Covers theft and physical damage to the rental vehicle up to $50,000.	100
	Wells Fargo Autograph Journey Secondary rental car insurance covers collision damage or theft of a rental vehicle up to $50,000 per incident when the rental is paid with the card.	100
	Wells Fargo Signify Business Primary rental car collision damage waiver coverage for business rentals when the rental is paid with the card. Coverage up to the actual cash value of the vehicle for theft or collision damage.	100
	World of Hyatt Secondary rental car collision damage waiver coverage when the rental is paid with the card. Coverage up to $60,000 per incident for collision damage or theft.	100
	World of Hyatt Business Primary rental car collision damage waiver coverage when the business-rleated rental is paid with the card. Coverage up to $60,000 for theft and collision damage.	100